Think about this: Could an unexpected illness or injury lead to a derailment in your career path? It's not something everyone mulls over. However, it is an essential consideration because many people develop medical conditions before retirement age, which can impair their ability to work.
There is, nevertheless, a silver lining. Federal government programs are ready to provide eligible disabled workers and their dependents monthly benefits. Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) are two programs that stem from the Social Security Act.
Eligibility for Disability Benefits
The first hurdle to cross in your quest for these benefits is a determination of your non-medical eligibility. This is decided by the Social Security Administration (SSA) and includes filters such as residency, income, and resources.
For SSDI benefits specifically, the SSA evaluates whether you have paid an adequate amount in Social Security taxes and have an acceptable length of prior work. Meanwhile, for SSI benefits, the SSA checks the extent of your financial resources. For both programs, earning at "substantial gainful activity levels" is a barrier to eligibility. As of the year 2023, this amount stands at $1,470.
Definition of Disability
Moving on from there, the SSA turns to your medical eligibility. Their definition of disability under the Social Security Act considers an individual as disabled who, due to physical or mental disabilities, is unable to work, and this impairment(s) must have lasted or be predicted to last for 12 continuous months or result in death.
Determining disability involves the SSA employing a five-step sequential evaluation process. However, they might also grant you disability benefits earlier in the process if your impairment is listed in the SSA's official listings of impairments and if you met their severity criteria.
These listings include impairments like chronic heart failure, cerebral palsy, hearing or vision loss, and mental disorders such as depression, autism spectrum disorder, and anxiety.
The Disability Application Process
Starting the initial application for disability benefits can occur online, in person, or over the telephone. It's beneficial to have the necessary documents and information prepared before starting. This includes your medical records and details of medical test referrals and health facilities visits.
Additionally, several resources can offer a detailed guide to the SSDI/SSI application process and extensive information on the appeals process, which includes stages like:
- Requesting reconsideration
- Appearing for an Administrative Law Judge hearing
- Having an Appeals Council review
- Filing a civil action in federal court
Quell Your Queries with a Social Security Disability Attorney
Does it all sound daunting? Rest assured, a competent Social Security disability attorney can provide much-needed clarity and guidance. Such professionals adeptly manage the intricacies of the application process, submission of essential medical evidence, and orchestrating the appeal process- all to increase your chances of availing the benefits you're entitled to.
Time to Seek Legal Help Is Now!
Whether you're contemplating applying for Social Security disability benefits, facing hurdles in your current claim, or needing guidance for the path ahead, seeking timely legal help can be beneficial. Engage with a Social Security disability attorney today, and make your journey towards securing your financial future less challenging.
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