How to Apply for SSD Benefits

Social Security Disability (SSD or SSDI – Social Security Disability Insurance) is a federal benefit program that provides individuals and their families income when an unexpected injury or illness occurs and they become unable to work. This income can be vital to a family’s survival during recovery and may even be an individual’s primary source of income if the disability is chronic or life-altering.

SSDI benefits are only available to those who have earned enough work credits to qualify for the program. This is because SSDI is funded through payroll taxes. For those who do not have enough work credits, the Supplemental Security Income (SSI) program is available, which is funded through general fund taxes. For the purposes of this post, we are only going to look at SSD/SSDI benefits.

In order to receive SSDI benefits, you’ll need to apply for them, which can be intimidating if you don’t know what to do. Here at The Beregovich Law Firm, we help families and individuals apply for SSD benefits to minimize their chances of denial. We want to share a few tips with our readers to help them maximize their chances of getting approved for benefits.

Applying for Social Security Disability Benefits

The two most important things to understand about Social Security Disability Insurance benefits are:

  1. You can only apply for SSDI benefits if you have a work history and have paid into payroll taxes, and
  2. You should apply immediately after you get injured.

As we mentioned above, if you don’t have that work experience, you will be denied SSDI benefits.

You also want to apply as soon as possible because there is a 5-month waiting period to receive SSDI benefits, which means you won’t actually receive a payment until the 6th month. The waiting period begins with the first full month after the date that the Social Security Administration decides your disability began, so you may as well get your paperwork in early and get into the review queue.

There are several ways to apply for SSDI benefits:

  1. In person. You can submit your application for benefits in person at any Social Security Office.
  2. Online. You may apply online through the Social Security Administration.
  3. By Phone. You can call 1-800-772-1213 to apply for benefits.
  4. Through your attorney. You can work with a Social Security Disability lawyer to complete your application and apply for benefits. If you are at all confused about the process or your eligibility for benefits, we recommend you get help from our SSDI attorney in Florida.

 

Speak With An SSDI Attorney At Beregovich Law

We can’t stress enough how important it is to follow instructions and include all pertinent documentation when applying for SSDI benefits. Denials are very common with many denials occurring due to simple application errors. Don’t put your family’s finances at risk! Contact The Beregovich Law Firm at (800) 631-9009 or email us today to receive help applying for SSDI benefits.

 

5 Steps To Determining Your Social Security Disability Eligibility

Social Security Disability Insurance (SSDI) provides income for millions of Americans who become disabled and are unable to work. SSD/SSDI is just one of several entitlement programs run by the Social Security Administration (SSA). This makes it important to understand the eligibility requirements for SSDI so you can make sure you’re applying for the correct benefits, reducing your chances of being denied benefits and delayed payments.

SSDI Eligibility Requirements

The first thing to understand about SSDI is that it is only eligible to

  • people 65 and under who,
  • have worked for a certain number of years, and
  • paid payroll taxes before they became disabled.
  • You must also meet citizenship or lawful residency requirements.

The Social Security Administration uses 5 points of criteria to determine SSDI eligibility.

  1. Work Situation. The SSA will first determine if you have enough “work credits” to be eligible for SSDI. Work credits are based on the number of years you have worked. How many you need to be eligible for benefits depends on your age at the time of disability. If you have enough work credits, the SSA will then want to know if you are still working. They will not consider applicants who make more than a certain amount of money every month.
  2. Severity of Medical Condition. Next, the SSA will examine the severity of the medical condition and whether it is severe enough to be considered “disabling”. To be considered “disabled”, the medical condition must prevent the applicant from performing the basic functions of their work for at least one year.
  3. Is the Medical Condition on the SSA’s List of Qualifying Conditions? The SSA has developed a list of medical conditions that automatically qualify for disability. If your condition isn’t on the list, they’ll examine it to decide if it is severe enough to qualify as disabling. The list includes a very wide variety of medical conditions that include mental and physical conditions, diseases, and disorders.
  4. Ability to Work Your Old Job. The agency also looks at whether or not an applicant can be expected to be able to perform his/her old job despite their medical condition/injury. If not, they move on to step 5.
  5. Can You Do Other Work? The SSA will look at your age, medical condition, education, work experience, and skills to determine if you could do a different job. If it is determined that you are unable to perform another type of work, the SSA will qualify you as “disabled”.

Work With The Beregovich Law Firm To Improve Your Chances of Approval

As you may expect, there are several points along the way in their determination that the SSA may rule against you and deny your application for SSDI  benefits. The Beregovich Law Firm works hard to make sure that doesn’t happen. We help applicants through the application process and can fight for your right to benefits via an appeal if you are denied.

Contact us at (800) 631-9009 or email us for help with your SSDI situation.