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  • Social Security Disability Insurance Benefits

  • Social Security Disability Insurance Benefits

  • Social Security Disability Insurance Benefits

What is Social Security Disability Insurance?

 

Social Security Disability Insurance (SSDI) is a benefit that is tied to the social security retirement program and is available to those who contribute to social security for many years. This program pays monthly benefits to workers who become disabled before they reach retirement age and are no longer able to work.

 

Applicants need to understand that SSDI benefits are for total disability only. Applicants with partial disability or short-term disability claims are not eligible for benefits.

 

The safety of the people shall be the highest law. - Marcus Tullius Cicero

 What is Social Security Disability Insurance?

 

Social Security Disability Insurance (SSDI) is a benefit that is tied to the social security retirement program and is available to those who contribute to social security for many years. This program pays monthly benefits to workers who become disabled before they reach retirement age and are no longer able to work.

Applicants need to understand that SSDI benefits are for total disability only. Applicants with partial disability or short-term disability claims are not eligible for benefits.

 

How Does the Social Security Administration Define “Disability”?

 

The SSA has specific criteria that they look for when reviewing SSDI applications to ensure that an applicant is eligible. Workers are considered disabled if:

 

  • Applicant is unable to perform the same type of work that they did before

  • SSA determines that the applicant can’t adjust to other work due to the medical condition

  • Applicant’s medical condition has lasted or is expected to last for at least one full year or is expected to result in the applicant’s death

Who Qualifies for Social Security Disability Benefits?

 

Only workers 18-years-old and older who have worked and paid social security taxes for an extended period, qualify for SSDI. Any worker who becomes disabled before retirement age can apply for SSDI benefits. A worker’s eligibility is dependent on how many work credits they have earned. A work credit is based on the total annual wages or self-employment earnings of a worker.

 

What Medical Conditions Qualify for SSDI?

 

The Social Security Administration has an impairment listing manual referred to as the blue book. This manual includes many health and mental conditions that qualify someone for SSDI benefits if the condition meets the specified criteria for that specific situation. If you have a condition that does not appear in the blue book, know that you may still qualify for SSDI.

 

Some of the Conditions Listed in the Blue Book Include:

 

  • Back injuries and other musculoskeletal problems

  • Heart failure or other cardiovascular diseases

  • Vision and hearing loss

  • Asthma and other respiratory conditions

  • Cancer

  • Depression, anxiety, autism or other mental disorders

  • Cerebral Palsy, autism or other neurological issues

  • HIV, rheumatoid arthritis and other immune system deficiencies

  • Liver disease and other digestive conditions

  • Kidney disease

 

What Are the Most Common Reasons that Cause a Claim to Be Denied?

 

If you are planning to file for SSDI benefits, it’s crucial to understand the reasons behind many denials. Workers are denied for a variety of reasons and the most common include:

 

  • Applicant was convicted of a crime

  • Applicant committed fraud

  • Applicant did not follow their doctor’s treatment recommendations

  • Applicant does not meet the Social Security Administration’s definition of disability

  • Applicant’s condition is not severe enough or not expected to last at least a full year

  • Applicant does not supply sufficient medical evidence

  • Applicant earns more than $1,000 per month

  • Applicant fails to provide the Social Security Administration with their required documentation

  • Applicant fails to show up for scheduled medical exams

 

SSDI Helpline Has Been Established

 

Call 1-800-LAW-HELP if the following criteria apply to discover the legal options available to you:

 

  • You are a worker who is 18-years-old or older

  • You have been forced to stop or reduce work hours due to a chronic medical condition

  • You are currently being treated by a doctor

  • You can no longer perform the job duties you used to prior to your health condition

  • You earn less than $1000 a month

All calls to the SSDI Helpline are free and there is no obligation.