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How To Apply For Social Security Disability Insurance

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My Condition Is Not Listed In The Blue Book Can I Still Receive Ssdi Benefits

How to Apply for Social Security Disability

While the Blue Book is a fairly comprehensive guide, by no means does it contain every ailment or disability that could keep a person from working. If you have a condition not listed in the Blue Book , you can still apply for SSDI. The main thing to remember is that you will need to provide substantial proof that your condition has rendered you unable to work.

Appealing Denied Social Security Disability Application

Its common for applicants to be denied. In fact, only about 1 in 3 applicants are initially approved for SSDI benefits. The two main reasons for denial are usually a lack of work credits, or that applicants do not meet the criteria for disability.

If you have been turned down, you do have the right to go through a Social Security Disability appeal process. Either you or your designated representative can file a Request for Reconsideration. Your initial appeal will then be turned over to Disability Determination Services, who will thoroughly review your file.

If you are denied again, you can proceed to the next level of appeal which is to appear in front of an Administrative Law Judge. An Administrative Law Judge will conduct a hearing in which all of your medical records and testimony will be heard before the judge renders a decision in the form of a written notice.

If you are still denied benefits, then you have a final appeal step you can take: filing a lawsuit in U.S. district court. You will need an attorney for this step if you havent already retained one. This can be an expensive and time consuming option, and as a result, less than 1% of disability claimants take their cases to this level.

What We Mean By Disability

The definition of disability under Social Security is different than other programs. Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability.

We consider you disabled under Social Security rules if all of the following are true:

  • You cannot do work that you did before because of your medical condition.
  • You cannot adjust to other work because of your medical condition.
  • Your disability has lasted or is expected to last for at least one year or to result in death.

This is a strict definition of disability. Social Security program rules assume that working families have access to other resources to provide support during periods of short-term disabilities, including workers’ compensation, insurance, savings, and investments.

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Qualifications For Social Security Disability Insurance

You pay into the systemOur Social Security System is based on a pay-in / pay-out model. In other words, when you work at your job, you pay taxes to the Social Security System. If you become disabled, you, your spouse, or your dependent children are eligible for a monthly benefit. However, just because you pay into the system, it does not guarantee that you will be automatically approved if you file for social security disability.

Your disability aligns with their criteriaThe definition of a disability under the Social Security Administration is different from other programs. Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability. You may be considered disabled under Social Security if:

  • You cannot do work that you did before
  • They decide that you cannot adjust to other work because of your medical condition
  • Your disability has lasted or is expected to last for at least one year or to result in death.

What Illness Qualifies For Short Term Disability

FREE 8+ Sample Disability Application Forms in PDF

To qualify for short-term disability benefits, an employee must be unable to do their job, as deemed by a medical professional. Medical conditions that prevent an employee from working for several weeks to months, such as pregnancy, surgery rehabilitation, or severe illness, can qualify to receive benefits.14 mai 2021

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Contact John R Colvin For Help With Your Ssdi Application

John R. Colvin helps clients apply for SSDI benefits, and he knows how to steer applicants clear of pitfalls they might encounter when submitting an application. For someone struggling with a disability, the added stress of applying for benefits can seem overwhelming. For more than 20 years, John R. Colvin has worked with SSDI applicants throughout Tennessee and Alabama to get them the benefits they deserve.

If you have questions about applying for SSDI or appealing a denial from the Social Security Administration, we encourage you to contact John R. Colvin to speak to an attorney who can help you or your loved one.

Fact: Ssdi Is Designed To Be A Long

You can apply only if the disability is expected to be long-term 12 months or longer or if the condition is so severe that it’s viewed as terminal. The program is meant for those with ”the most severe impairments in the country,” Jarrett says.

Other private programs pay out for short-term or partial disability, but Social Security disability insurance does not. Yet some states may award temporary funds to people who can’t work because of illness not caused by work. You can contact your state’s Department of Labor to see if you quality for temporary disability benefits.

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Know The Factors That Affect Your Ssdi Benefits

The Social Security Administration uses several different factors to calculate an applicants disability benefits. Depending on the specific circumstances of your case, any combination of the following may affect your Social Security disability benefits:

  • Work History:In contrast to the Supplemental Security Income program, an individual must have paid in to SSDI to be eligible for benefits. Your work history will impact both your eligibility and your level of benefits. As explained by the Social Security Administration, the number of work credits you need to qualify for SSDI benefits depends on your age. If you have questions about work history and your benefits, a Tennessee Social Security disability attorney can help.
  • Average Monthly Earnings:In calculating your SSDI benefits, the federal government uses a formula based around a number called Average Indexed Monthly Earnings or AIME. Essentially, the SSA uses a complex weighted curve to determine exactly how much should be paid in SSDI benefits based on an applicants age, work history, and career earnings. To get a better understanding of your potential compensation, the agency offers a basic Social Security benefits calculator that you can use to reach an estimate.

Can I Get Ssdi Back Pay

Qualification Steps for Social Security Disability Insurance (SSDI)

Yes. Lump sum SSDI back pay is available to claimants who are paid retroactively for those months from the time they became disabled, also known as a disability onset date, and when they applied for SSDI benefits. In addition to SSDI back pay, people who apply for SSI may also receive retroactive benefits as well.

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Types Of Disability Policies

There are two types of disability policies.

  • Short-term policies may pay for up to two years. Most last for a few months to a year.

  • Long-term policies may pay benefits for a few years or until the disability ends.

Employers who offer coverage may provide short-term coverage, long-term coverage, or both.

If you plan to buy your own policy, shop around and ask:

  • How long do benefits last?

  • How much money will the policy pay?

Myth: The Best First Step When Applying For Social Security Disability Insurance Is To Immediately Hire A Lawyer

The best first step is to talk to your doctor. “Have a candid conversation with your doctor,” Calder advises. “Does he or she think you are disabled?” That information is key.

Pay close attention to what the doctor tells you. For instance, if you’re told to try another medicine, use a wheelchair to help alleviate your MS symptoms, or get more physical therapy, your doctor may think that additional treatment will be enough to keep you on the job.

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Is Your Condition Found In The List Of Disabling Conditions

For each of the major body systems, we maintain a list of medical conditions that we consider severe enough that it prevents a person from doing substantial gainful activity. If your condition is not on the list, we have to decide if it is as severe as a medical condition that is on the list. If it is, we will find that you are disabled. If it is not, we then go to Step 4.

We have two initiatives designed to expedite our processing of new disability claims:

  • Compassionate Allowances: Certain cases that usually qualify for disability can be allowed as soon as the diagnosis is confirmed. Examples include acute leukemia, Lou Gehrigs disease , and pancreatic cancer.
  • Quick Disability Determinations: We use sophisticated computer screening to identify cases with a high probability of allowance.

For more information about our disability claims process, visit our Benefits For People With Disabilities website.

Fact: Help Is Available To Guide You In Applying For Social Security Disability Insurance

How to Apply for Social Security Disability in California

For starters, read the Social Security disability insurance booklet online. It includes a list of all the information the agency needs to begin processing your application.

Patient advocacy groups like the National MS Society also offer guidance, and Calder says that their guidebook is helpful for people with other health conditions, too, since many of the application steps are the same.

Another organization that offers online help for those applying for SSDI is the National Psoriasis Foundation. And the National Alliance on Mental Illness provides guidance on applying for disability insurance if you have a mental illness.

If your application for SSDI is denied, you may want to consider hiring an attorney for your appeal. If you do decide to hire an attorney, you can find helpful information on the website of the National Organization of Social Security Claimants’ Representatives.

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What Is The Process Of Getting Ssdi

Social Security Disability Insurance provides assistance when someone develops a disability or illness that makes them unable to work. Workers give a portion of their paychecks to SSDI. They can then access that benefit if they, or someone in their family, becomes disabled. Typically, if you are awarded a benefit, it would be in the neighborhood of around $15,000 a year, says Dr. Shapiro. SSDI is only available to those who give a portion of their paychecks to the program. It provides more monthly income than Supplemental Security Income , which provides financial assistance to older adults and the disabled.

You can apply for SSDI benefits online or by calling the National Social Security Administration office toll-free at 1-800-772-1213. However, the Social Security Administration recommends that applicants review the Adult Disability Checklist to collect the documents and information necessary to complete the application ahead of time. Heres an overview of the process:

  • Show youre unable to work. You must show you are unable to work and earn a liveable income long-term as the result of migraine. The official term is being unable to perform substantial gainful activity, explains Dr. Shapiro. You cant earn enough money to be able to live because of the disease that you have, he says. However, you or a family member must have had a recent job and paid into the program to be considered insured.
  • The Other Parts Of Medicare

    • Medicare Advantage Plan people with Medicare Parts A and Part B can choose to receive all of their health care services through plans that are offered by private companies and approved by Medicare. For more information, we recommend you read Medicare’s How do Medicare Advantage Plans work?
    • Medicare Part D helps pay for medications doctors prescribe for treatment. For more information on the enrollment periods for Part D, we recommend you read Medicare’s How to get prescription drug coverage page.

    If you receive Medicare and have limited resources and income, you may be eligible for Extra Help with Medicare Prescription Drug Plan Costs.

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    Do I Have To Choose Between Ssi And Ssdi Benefits Or Can I Receive Both At The Same Time

    Many people receive payments under both programs at the same time. However, to qualify for Supplemental Security Income , you must meet the Social Security Administrations low income and asset criteria.Just like state government welfare programs throughout the United States, the eligibility rules are fairly complex. Income both earned and unearned as well as other financial resources and assets will affect your eligibility for SSI benefits. This includes any SSDI benefits, which means only those who qualify for a relatively low monthly SSDI benefit will be able to receive SSI and SSDI at the same time. In most instances, if your monthly SSDI benefit is $794 or higher, you will not qualify for any SSI.

    Disability Benefits For Veterans

    How to Apply for Social Security Disability Benefits: The Good Law Group

    You may be eligible for disability benefits if you’re on disability from your service in the Canadian Armed Forces or Merchant Navy.

    You may get social assistance payments from:

    • your province or territory
    • your First Nation

    These payments will depend on your household income, savings and investments.

    You may also be eligible for health-related benefits from your province or territory. These benefits may include benefits that help cover the cost of:

    • medications
    • medical aids or devices

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    After Filing My Request For Hearing How Long Will It Take To Get A Hearing With A Judge

    In New Hampshire, Maine, Connecticut, Vermont and Massachusetts, after filing a Request for Hearing, you can expect to wait about 12 to 15 months for a hearing with an administrative law judge . However, since March 2020 when the Covid-19 pandemic began, the wait time to obtain a hearing date has been reduced to about 4 to 5 months.

    The Office of Hearings Operations is required to tell you the date and location of the hearing, as well as the name of the judge, at least 2 1/2 months before the hearing takes place .

    Extended Period Of Eligibility

    Following your trial work period, you will enter a 36-month extended period of eligibility. It is in this period that you can work and still receive benefits only as long as your earnings are less than what Social Security considers substantial. Social Security deducts what they consider work expenses that are a direct result of your disability from your total monthly earnings. These work expenses can range from prescription drug copays, transportation to and from work, and specialized work equipment.

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    Myth: Why Bother I’ll Just Be Denied

    Not true for everyone, says William Jarrett, a spokesperson for the Social Security Administration. While Jarrett says standards are strict, and the process is rigorous, the SSA wants to be certain the person is truly disabled and unable to work. And the rejection rate is high, he says.

    ”The allowance rates for disability claims in fiscal year 2013, the most recent data available, was around 33 percent,” he says. That means 33 percent of the applications received in fiscal year 2013 were approved.

    “In my experience, people rarely get it the first time they apply,” says Melissa Proudian, an attorney in Fresno, California, whose primary focus is on Social Security disability cases. But if you’re denied the first time around, you can appeal.

    And if the administration determines that you have a true, severe disability, they pay out.

    Some Publications That Will Give You More Information On Disability Benefits

    How to Apply for Social Security Disability Insurance in ...

    The Disability Starter Kit will help you get ready for your disability interview or online application. Kits are available for adults and for children under age 18.

    The starter kits provide information about the specific documents and the information that we will request from you.

    The kits also provide general information about the disability programs and our decision-making process.

    Here are some additional resources with information on disability benefits:

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    Fill Out And Submit The Application

    Once you have all your documentation, you can fill out and submit the SSDI application. You can file your claim online if youre over 18 and are not currently receiving Social Security benefits. Your attorney can also submit your application. Another option is to bring the paperwork to your local SSA office.

    The Bottom Line On Ssdi Today

    Applying for SSDI can be a lengthy and involved process, but the benefits it can offer are more than worth the effort. The pandemic has undoubtedly added new obstacles for claimants, but they arent insurmountable.

    Keeping up-to-date records of your medical conditions or symptoms, staying informed about the classification of COVID-19 long-haulers, and working with a disability representative are all simple and immediate steps you can take today to aid in the process of applying for SSDI, protecting both your income and your future.

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    Information Needed To Apply For Social Security Disability Benefits

    Processing claims for disability benefits can take anywhere from 3-5 months. Gathering required information prior to filing a claim may expedite the process. You will need the following information to apply online:

    • Social Security number
    • Basic spousal information
    • Basic information for any children under the age of 18 or those who became disabled before the age of 22
    • Military service, education or training
    • If you are self-employed, business type and total net income
    • If you are not self-employed, name of employer, start and end dates of employment, total earnings for the past two years
    • Direct deposit information
    • Medical information including conditions, doctors, hospitals, clinics at which youve received examinations, tests, treatments, etc.
    • Names, dosages and information of all medications
    • Employment history for the 15 years prior to becoming disabled

    To apply over the phone or in person, you will need the majority of the above as well as:

    • Medical records already in your possession
    • Medical and Job Worksheet Adult, which can be found here.

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