Wednesday, July 6, 2022

How To Apply For Social Security Disability Insurance

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Applying For Social Security Disability And Ssi Benefits

You can apply online for Social Security Disability benefits, you can file in person at your local Social Security office, or by calling 772-1213.

To find your local Social Security office, click here and enter your home zip code.  Locate a Social Security Office.

Before you begin your application, you should collect certain information regarding your medical treatment, work history and other facts.  To view a checklist of the information that you will need, Disability Checklist.

When you are ready to apply for Social Security Disability Benefits, Apply for Disability. You will not have to complete the entire application in one sitting.  You will have the option of saving your application and returning to it later.

You can also complete most of your application for SSI Disability benefits online, but to finish the application process you will have to visit a Social Security office.  You canApply for SSI to begin the SSI application process for yourself or for a child.

Hire A Social Security Lawyer

If you want to make sure that you are getting the most out of your social security or have been denied, contact our team at Harris Guidi Rosner, P.A. 

The law firm of Harris Guidi Rosner, P.A. has been serving Jacksonville and surrounding counties since 1986. We have a team of social security lawyers in Jacksonville, FL who can help you in your time of need. Our experience has shown that the earlier in the case that we are hired, the more we are able to help our clients in their time of need.

To let the Harris Guidi Rosner, P.A. social security lawyers assist you, call or click our Jacksonville social security attorneys page to learn how we can help you. 

What Illness Qualifies For Short Term Disability

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

When Your Benefits Start

Generally, if your application for Social Security Disability Insurance is approved, you must wait five months before you can receive your first SSDI benefit payment. This means you would receive your first payment in the sixth full month after the date we find that your disability began.

Example: Your disability began on June 15, 2020 and you applied on July 1, 2020. Your first benefit would be paid for the month of December 2020, the sixth full month of disability.

However, there is no waiting period if your disability results from amyotrophic lateral sclerosis and you are approved for SSDI benefits on or after July 23, 2020.

Example: We found that your disability began on November 3, 2020 and you applied on January 11, 2021. We would pay your first benefit for the month of December 2020, the first full month of disability.

We pay SSDI benefits in the month following the month for which they are due. This means that the benefit due for December 2020 would be paid to you in January 2021, and so on.

Disability Application Starter Kit

FREE 8+ Sample Disability Application Forms in PDF

To assist you in creating your application, Social Security has developed a Disability Starter Kit that provides information about the documents and information that you will be requested to provide.  Because an application can be complicated and lengthy, this is a good place to start and to keep you organized. The kit also explains how Social Securitys disability programs work and what decision-making processes are used to determine your eligibility.

Social Security offers two kits, one for adults and another for children. The adult Disability Starter Kit can be found here. And the child Disability Starter Kit can be found here.

Lets Break Down The Ssdi Application Process

Before you begin: You might want to make sure you qualify for benefits. To qualify, you must have worked long enough and recently enough in jobs under Social Security, and you must have a disability that meets Social Security disability criteria. You can find out the specifications by visiting SSAs page on these qualifications.

There are also exceptions to these two criteria. For example, a person might qualify if they

  • Are blind or have low vision.
  • Are the spouse of deceased worker.
  • Are a disabled child.
  • Qualify for the Wounded Warrior & Veterans programs.

If you believe that you qualify for benefits, you should begin preparing for an application. Waiting too long can disqualify you from benefits. Delaying the application might also be causing you to miss out on the benefits you could be receiving had you applied sooner.

Step 1: Begin with the SSDI application from the Social Security Administration, which you can find here. You can also call SSA at 1-800-772-1213. If you are hearing-impaired, you can call TTY 1-800-325-0778. The third option is to visit your local Social Security office, which you can find here.

Step 2: You will need to provide personal information to SSA, including

SSA might require the originals of documents listed above, though copies certified by the issuing office will also be acceptable.

Benefits For A Disabled Child

A child under age 18 may be disabled, but we don’t need to consider the child’s disability when deciding if he or she qualifies for benefits as a dependent. The child’s benefits normally stop at age 18 unless he or she is a full-time student in an elementary or high school or is disabled.

Children who were receiving benefits as a minor child on a parents Social Security record may be eligible to continue receiving benefits on that parents record upon reaching age 18 if they are disabled.

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.

Social Security Disability Insurance

The Social Security Disability Insurance program pays benefits to you and certain family members if you worked long enough, recently enough and paid Social Security taxes. SSDI only provides benefits to disabled or blind persons who are insured. To become insured, you must meet the requirements of two different earnings tests: The recent work test The duration of work test For example, if you are 45 years of age and became disabled at age 42, then you must have worked at least five years between the age of 32 and 42 to be considered insured. Your dependents may also be eligible to receive benefits based on your earnings record. Click  to learn more about SSDI benefits.

How Can A Social Security Disability Attorney Help Me File A Claim

Applying for Social Security Disability benefits is a complex process. Nearly 90 percent of applicants end up seeking assistance from an experienced Social Security Disability attorney during the process. Having a Social Security attorney help you with your application ensures that you provide the appropriate information and increase your chances of approval. An attorney can also help by remaining in communication with representatives from the state agency to promptly address any issues that come up during their consideration of your application.

If your application is denied, an attorney can assist you in filing an appeal and represent you during that process. You must request an appeal in writing within 60 days of the agencys decision. After that, the application may pass through these levels of appeal, all of which your lawyer can help you through:

  • Reconsideration by the agency
  • A hearing with an administrative law judge
  • A hearing before the appeals council
  • Filing a claim in federal court

If your application is approved, your attorney will evaluate the Social Security Administration calculations to ensure that all information provided was used and that no errors were made. Your attorney can also answer any questions you have about your disability benefits.

Documents You May Need To Provide

We may ask you to provide documents to show that you are eligible, such as:

  • Birth certificate or other proof of birth;
  • Proof of U.S. citizenship or lawful alien status if you were not born in the United States;
  • U.S. military discharge paper if you had military service before 1968;
  • W-2 forms and/or self-employment tax returns for last year;
  • An Adult Disability Report that collects more details about your illnesses, injuries or conditions, and your work history;
  • Medical evidence already in your possession. This includes medical records, doctors’ reports, and recent test results; and
  • Award letters, pay stubs, settlement agreements or other proof of any temporary or permanent workers’ compensation-type benefits you received .


We accept photocopies of W-2 forms, self-employment tax returns or medical documents, but we must see the original of most other documents, such as your birth certificate.

Do not delay applying for benefits because you do not have all the documents. We will help you get them.

How Much Work Do You Need

In addition to meeting our definition of disability, you must have worked long enough and recently enough under Social Security to qualify for disability benefits.

Social Security work credits are based on your total yearly wages or self-employment income. You can earn up to four credits each year.

The amount needed for a work credit changes from year to year. In 2021, for example, you earn one credit for each $1,470 in wages or self-employment income. When you’ve earned $5,880, you’ve earned your four credits for the year.

The number of work credits you need to qualify for disability benefits depends on your age when you become disabled. Generally, you need 40 credits, 20 of which were earned in the last 10 years ending with the year you become disabled. However, younger workers may qualify with fewer credits.

For more information on whether you qualify, refer to How You Earn Credits.

Myth: Ssdi Will Replace Most Of Your Work

5.1 What You

“Social security disability payments are modest,” Jarrett says. “At the beginning of 2015, Social Security paid an average monthly disability benefit of $1,165.” The payment is meant to help people meet basic living needs, and the program is designed to replace some, but not all, lost income.

RELATED: 5 Things You Didn’t Know Your HSA Could Do

“It’s a safety net for those who are no longer able to work on a regular basis,” explains Proudian.

“You can’t expect that it’s going to replace your income 100 percent,” says Kimberly Calder, director of health policy for the National Multiple Sclerosis Society, and a patient advocate.

Social security disability insurance is not the same as Supplemental Security Income , a federal income supplement program. One difference between the SSI and SSDI programs is how they are funded. With SSDI, employment taxes primarily finance Social Security retirement, survivors, and disability insurance benefits. Generally, Social Security pays benefits to eligible workers and their families based on the workers earnings, Jarrett says.

You can also return to work while collecting SSDI benefits. We have special rules to help you get back to work without jeopardizing your initial benefits. You may be able to have a trial work period for nine months to test whether you can work, he explains.

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.

Step 1: Gather Documents

Along with your application, you will need to submit other paperwork proving that you have a qualifying disability, that its a long-term condition, and that it prevents you from working. Youll also need to supply documents covering your career, education, and medical history. The type of paperwork needed depends on your condition and its severity, so make sure to review the SSAs requirements.

Benefits For People With Disabilities

Frequently Asked Questions

The Social Security and Supplemental Security Income disability programs are the largest of several Federal programs that provide assistance to people with disabilities. While these two programs are different in many ways, both are administered by the Social Security Administration and only individuals who have a disability and meet medical criteria may qualify for benefits under either program.

Social Security Disability Insurance pays benefits to you and certain members of your family if you are “insured,” meaning that you worked long enough and paid Social Security taxes.

pays benefits based on financial need.

When you apply for either program, we will collect medical and other information from you and make a decision about whether or not you meet Social Security’s definition of disability. Periodically, we will need updated information about your condition.  You may receive a Disability Update Report .  This form can now be completed online.

Use the Benefits Eligibility Screening Tool to find out which programs may be able to pay you benefits.

If your application has recently been denied, the Internet Appeal is a starting point to request a review of our decision about your eligibility for disability benefits.

If your application is denied for:

If Your Application Is Denied

After we review your application and the information you provided, we may decide you do not meet the qualifications for disability benefits.

If you disagree with our decision, you have the right to ask us to look at your application again. The notice you receive from us that says you don’t qualify will explain how to appeal our decision and the time period in which you must make the request.

If we decide you don’t qualify:

  • Because you are not disabled under our rules, you can appeal our decision online.

    The online disability report will ask you for updated information about your medical condition and any treatment, tests, or doctor visits since we made our decision.

When Will I Receive My First Ssdi Payment

If the Social Security Disability application is approved, the first benefit will be paid to you for the sixth full month after the date that the disability began.

Monthly disability benefits are wholly based on your lifetime average earnings covered by Social Security. You can receive an estimate here.

What Is Social Security Disability Insurance

Social Security Disability Insurance is a government program that pays out a monthly check if youre disabled and meet the requirements. This federally-run disability insurance program is designed to help people who become disabled and cant afford to buy a private disability insurance policy.

SSDI payouts are similar to private or group disability insurance programs. Your monthly check is based on a percentage of your prior income. The maximum anyone can receive is set at $2,788 a month, compared to the $10,000 maximum typically seen with private disability insurance.

Is Social Security Disability Insurance the same thing as federal disability insurance?

SSDI is the only type of federal disability insurance. Some states also offer state-run disability insurance. Social Security is a federal program thats designed to offer social benefits. Social Security Disability Insurance is only one aspect of the Social Security administration, along with retirement and survivor benefits.

Can I Get Ssdi Back Pay

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.

What You Need To Apply

How to Apply for Social Security Disability in California

Dont be put off by the amount of documentation required to fill out the application. It may be daunting, but you can save time by gathering it well in advance. You need:

  • Personal identity information
  • Social Security number
  • Birth certificate or baptismal certificate

Medical information, including:

  • Names, addresses, and phone numbers of all doctors, counselors, hospitals, clinics, and other medical professionals acquainted with your medical situation
  • A list of all medications you take, including who prescribed them, the dosage amounts, and the frequency you take them
  • Medical records and lab results
  • Information about any prior insurance or workers compensation claims

Work history information, including:

  • Work history for the last 15 years before you became disabled

Other personal information, including:

  • Dates of marriage and/or divorce, name of your spouse, and minor children

In addition, you are required to provide the name and number of the bank account where the monthly check is to be deposited. Social Security now pays all benefits electronically.

Those Who Can No Longer Work Because Of Covid

COVID survivors who are unable to work because of lasting effects from the virus should consider applying for disability benefits, though this can be a difficult road, says Barbara Comerford, founder of the Law Offices of Barbara B. Comerford in Paramus, N.J.

Social Security disability insurance is one option. To qualify for it, generally you must have earned 40 credits during your working years, 20 in the last decade before you became disabled, though younger workers may qualify with fewer credits. In 2021, workers earn one credit for every $1,470 in wages, or a maximum of four credits after $5,880.

You must also meet the definition of disabled. That means you are unable to continue working at your job, you can’t switch to a different position because of your condition, and the disability is expected to last for at least a year. Comerford, who has represented clients that have applied for disability because of long COVID, says the Social Security Administration has been more willing to pay out benefits, especially for older workers who are close to full retirement age.

Ssdi Vs Short Term Disability Insurance

Like we mentioned earlier, the soonest youll receive SSDI benefits is at the six-month mark, and thats if youre approved immediately. It could take months or years for the appeals process to play out. Thats a long time to go without an income.

A short term disability income insurance policy can help fill the gap for SSDI applicants. Like it sounds, short term disability insurance is designed to help cover immediate needs if youre sick or injured and cant work. With Haven Disability, you can choose from elimination periods, or waiting periods, of 14, 30, or 60 days. An elimination period of 14 days means youd become eligible for disability benefits after missing just two weeks of work. You can also choose benefit periods of 3, 6, or 12 months.

Short term disability insurance also typically pays a higher percentage of your salary than SSDI. Social Security is designed to replace about 40% of your income, while short term disability insurance is usually around 60%, depending on the insurer. Haven Disability offers monthly benefit options from $500 to $5,000 per month, with a maximum of 60% of your income.

What Can I Expect At My Hearing With The Administrative Law Judge

Having an attorney represent you at this level is a very, very good idea. An attorney who has handled many disability cases before an administrative law judge will know what issues to focus on and what sort of evidence is needed to win your case. With most hearings, you will only have about one hour to persuade the judge you are disabled. Do not expect the judge to tell you at the hearing what their decision will be. This rarely happens. On average, you can expect to wait about two to three months before receiving the judges decision.

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.

How To Apply For Ssdi Benefits

The Social Security Administration put together a starter kit to help you prepare for filing an SSDI claim with FAQs, a document checklist, and a worksheet to help organize your information. You can from their site in both English and Spanish.

Once youre ready to file an SSDI claim, you can start the application process online at , or by phone at 1-800-772-1213. If youre deaf or hard of hearing, the TTY number is 1-800-325-0778.

Can I Have Two Disability Insurance Policies

The ideal disability insurance policy may not exist for your situation or needs. However, you can build something closer to the perfect coverage by combining two or more policies. For example, one policy may have a better residual disability rider while a competing policy may offer a superior future increase option.3 août 2017

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.

Is Disability Insurance Worth Getting

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

We think long-term disability insurance is the only plan worth buying. When you look at the numbers, long-term disability insurance really is your best option. We recommend getting coverage for at least 5 years or more, to cover long-term loss of income that your 3-6 month emergency fund wont cover.22 avr. 2021

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