Social Security Disability Insurance (SSDI) is a federal financial aid program which provides assistance to individuals who are unemployed as a result of a disability. While disability can be long-term or short-term, the disability must be serious enough to render the individual incapable of working. There are many people who apply for disability and are rejected. It is important that applications for SSDI be made carefully to increase the chance of acceptance.
Here are some tips to increase the likelihood that your application is accepted:
Research Eligibility Requirements
The Social Security Administration has a website listing eligibility and other requirements to qualify for SSDI aid or benefits. SSDI benefits are not paid out for partial disability or conditions that would not withstand the scrutiny of expert examination. Applicants must ascertain whether they are eligible for benefits in terms of the disability type, duration, taxes paid, and years of employment prior to disability.
Understand that SSDI Benefits Take Time to Process
After benefits are approved, there is a waiting period. Distribution of SSDI benefits can take anywhere from a month to 6 months. Further, benefits are not awarded until 6 months after the date of disability. It is important to ensure that you have access to funds or finances to carry you until the waiting period is over.
Establish Work History
Work history is a factor in determining eligibility. In order to qualify for SSDI benefits, a certain number of years of established work history is required. This does not include the recent years just before the disability. Typically, in the 10 year period prior to becoming disabled, an individual needs at least 5 years of work history.
Gather Relevant Documents
It is necessary to provide proof of disability, including medical reports and other documents to supplement a claim. Applicants should provide any relevant W-2 forms and other tax documentation, birth certificate or birth record, and documentation showing workers’ compensation received. If an individual receives disability benefits from their employer, they will not be eligible for disability benefits from the SSDI program.
Seek Professional Help
Applying for social security disability benefits can be daunting. Even with the right paperwork records, the chances of being rejected is high. Wittmer | Linehan can help you better understand your rights and assist you with obtaining approval for your disability claim.