What is Social Security Disability Insurance?

Social Security Disability Insurance (SSDI) is a federal program designed to provide financial assistance to individuals who cannot work due to a disability. It supports those who have contributed to the Social Security system but are no longer able to earn a living because of a severe medical condition. 

Understanding how SSDI works, who qualifies, and how to apply is crucial for those in need of support.

How Does Social Security Disability Insurance Work?

SSDI is funded through payroll taxes paid by workers and employers. When someone works and earns income, a portion of their paycheck goes to Social Security taxes. These contributions help fund programs like retirement benefits and disability insurance. If a person becomes disabled before reaching retirement age, SSDI provides them with monthly payments to help cover living expenses.

Unlike other government assistance programs, SSDI is not based on financial need. Instead, it is based on a person’s work history and the severity of their disability.

Who Qualifies for Social Security Disability Insurance?

To qualify for Social Security Disability insurance, a person must meet two main requirements:

Work Credits Requirement

SSDI is available to people who have worked long enough and paid into Social Security. The number of work credits needed depends on age, but most applicants typically require at least 40 credits, with 20 earned in the last 10 years. However, younger workers may qualify with fewer credits, depending on their age when the disability begins. For example, if a person becomes disabled at a younger age, they may need fewer work credits to qualify. Typically, workers earn up to 4 credits per year.

Medical Eligibility Requirement

The Social Security Administration (SSA) defines a disability as a medical condition that:

• Prevents a person from doing any substantial gainful activity (SGA): This means they cannot earn above a certain monthly income threshold set by the SSA.
• Has lasted or is expected to last at least one year or result in death.
• Is listed on the SSA’s disabling conditions list or is equivalent to a listed condition.

Common disabilities that may qualify include:

• Severe heart conditions
• Neurological disorders (such as multiple sclerosis or Parkinson’s disease)
• Mental health disorders (such as schizophrenia or bipolar disorder)
• Chronic illnesses (such as cancer or kidney disease)
• Musculoskeletal conditions (such as arthritis or spinal injuries)

How to Apply for Social Security Disability Insurance

Applying for SSDI can be a complex process, and many first-time applicants face denials. Here’s a step-by-step guide to applying:

Step 1: Gather Necessary Documents

Before applying, it is essential to collect important documents, such as:

• Medical records and doctor’s reports
• Work history and tax records
• Social Security number and proof of identity
• List of medications and treatments received

Step 2: Submit an Application

Individuals can apply for SSDI:

• Online at the Social Security Administration’s website
• By phone at the SSA’s toll-free number
• In person at a local Social Security office

Step 3: Wait for a Decision

The SSA reviews each case carefully, which can take several months. They may request additional medical records or require an evaluation by a Social Security-approved doctor. This process can extend the decision timeframe, so patience is important.

Step 4: Appeal if Denied

If an application is denied, don’t lose hope—many applications are denied initially. However, applicants have the right to appeal and request a reconsideration. The appeal process involves several stages:

• Reconsideration: The SSA re-examines the application with new evidence.
• Hearing before an Administrative Law Judge (ALJ): If the reconsideration is denied, applicants can request a hearing.
• Appeals Council: If the ALJ denies the claim, it can be appealed to the Appeals Council.
• Federal Court: If all other appeals are denied, the case can be taken to federal court.

In many cases, hiring a social security disability attorney can help improve the chances of approval by navigating these complex stages.

Common Reasons for SSDI Denials

Many applicants face rejection on their first try. Some common reasons include:



• Insufficient medical evidence: Lack of proper documentation proving the disability.
• Earning too much income: If an applicant earns above the substantial gainful activity (SGA) limit, they may not qualify.
• Short work history: If the applicant has not earned enough work credits, they may not be eligible.
• Failure to follow treatment plans: If a person does not follow prescribed treatments, the SSA may assume they are not making efforts to improve their condition.
• Errors in application: Missing information or incorrect details in the application can lead to delays or denial.

How Much Does SSDI Pay?

SSDI payments vary based on work history and past earnings. SSDI payments can also increase with cost-of-living adjustments (COLA) each year. SSDI payments can also increase with cost-of-living adjustments (COLA) each year.

Some family members, such as spouses and dependent children, may also be eligible for benefits if the disabled person qualifies for SSDI. Eligibility for family benefits depends on specific criteria, such as age and dependency status.

How Can a Social Security Disability Attorney Help?

Applying for SSDI can be frustrating and time-consuming. A social security disability attorney can help by:

• Reviewing eligibility: Ensuring the applicant meets the requirements.
• Collecting and organizing medical evidence: Strengthening the case with comprehensive documentation.
• Filing appeals: If the application is denied, an attorney can navigate the appeal process.
• Representing clients in hearings: Attorneys can advocate for clients before an Administrative Law Judge.
• Nurturing the application process: Ensuring timely submission of required documents and updates.

Hiring an experienced attorney can significantly increase the chances of approval and speed up the process.

Conclusion

Social Security Disability Insurance is a critical program that helps individuals who can no longer work due to a disability. While the application process can be challenging, understanding the requirements and seeking legal help can improve the chances of approval.

Need help with your SSDI claim? Contact our social security disability attorney at Rite Law.