subject: Social Security Disability Faq [print this page] A study showed that more than 60 percent of disability claims in the initial stage of applications and more than 80 percent in the reconsideration stage are denied.
These numbers are attributed to the claimants lack of understanding of how the Social Security Disability Insurance (SSDI) works.
To give you an idea about SSDI, here are answers to some disability FAQ:
What is SSDI?
SSDI is a payroll tax-funded insurance program that is aimed to provide income to people who are not able to come back to work because of a disabling condition.
How can I be eligible for SSDI?
To qualify for SSDI, you should meet the following requirements:
You should have a physical or mental condition that prevents you from performing any substantial gainful activity.
The disabling condition is expected to last for at least 12 months or may result in death.
Under the age of 65.
You should have worked at least 5 out of the last 10 years.
Aside from your current job, the evaluators will also test whether you are capable of doing any job in the market. They will consider your medical condition, age, education, abilities and experience in their decision.
How can I apply?
To apply for SSDI, you can visit their website at http://www.ssa.gov/applyfordisability/ or you can fill out an application at the nearest Social Security Administration (SSA) office in your area.
You can also call 1-800-772-1213 to get the address and telephone number of the office near you.
Be prepared with the list of names of the doctors, hospitals or clinics where you had treatment. Their address and telephone numbers should be included.
You also need to submit a copy of your birth certificate, your last earnings documents and copies of your medical records.
What will I get if I qualify?
If you are eligible, you will be paid retroactive benefits starting 5 full months after you became disabled, but only for a maximum of 12 months before you applied for SSDI.
Your monthly benefit will be equal to what you will receive if you retired at the full-retirement age. The total will depend on your previous work record.
What do I do if my application was denied?
Appeal! There are 4 application stages and you can be approved in either of those stages.
Do not get disheartened because as what was said above, claim denial is very common in SSDI applications.
It is recommended though that you get help from an experienced disability lawyer especially on the disability hearing stage.
When should I get help from a disability attorney?
It is recommended that you get help from a lawyer after the denial in the initial stage. The disability attorney can then review your claim according to the policies and regulations of SSA.
Your lawyer should be able to advice you of your chances so you can decide whether to pursue your claim or not.
If you do decide to pursue, your disability attorney can start developing ways to prove your disability.
If needed, your disability attorney can also provide you representation if your application goes to a hearing with an administrative law judge.
