Social Security Disability Insurance (SSDI) is a government program which helps you if you become disabled. The government will send you cash payments on a monthly basis for the period f time that you are unable to work due to your disability. If your disability lasts into retirement, your disability payment will become your retirement payment.
Disability determination is based on three factors. First, you must be unable to do the the job you were doing before your injury illness. Second, you must be unable to do other jobs due to your injury or illness. And finally, your disability must last, or be expected to last, for at least one year or be expected to result in your death. Benefits are only given for long term disabilities.
To receive benefits, in addition to being to be disabled, you must have also worked in positions covered by social security for a minimum period of time. The social security office also uses work credits to determine whether or not you qualify under SSDI. Work credits are based on how much you make per year. The amount needed for each work credit changes every year, but you cannot receive more than four credits per year. In determining how many work credits a person needs, the social security office looks at the person's age at the time of filing.
The application for disability benefits is made up of three parts: the disability application, a disability report and an authorization form. The disability application looks at whether you meet the basic qualifications, as discussed above. The disability report asks questions regarding health. This is where you will need to list medical information such as your medications and treatments as well as contact information for any medical professionals you have seen in relation to your illness. It also asks about your work history. You will need to give details regarding any positions you held for at least the previous five years. Necessary information includes contact information for your employers, draws of employment, wages during employment and description of duties. The authorization form, is a short form that gives the social security office permission to speak to necessary persons such as previous and current doctors and employers. This is necessary so they can make sure your application is correct and complete and make an accurate disability determination. You may complete your entire application online, over the phone or in person at your local social security office.
It is important to start the your disability application as soon as you believe you make qualify. On average, it takes three to five months for a decision to be made regarding benefits. And often, cases are denied and need to be appealed, making the process last even longer. You are allowed to have help throughout the application and determination process and an experienced attorney familiar with the necessary information can be a great asset. If you are think about applying for disability benefits, you should contact an experienced disability attorney.