Social Security Disability Benefits: An Overview

Social Security Disability Benefits: An Overview

According to statistics, about 10-15% of the total world’s population or approximately 650 million people live with a disability. Heart disease, mental health conditions, hearing loss or vision impairment are some common types of disability.

In order for a person to get their Social Security disability benefits, one must have worked in jobs that are covered by Social Security. Social Security Administration provides two programs to assist people with disabilities. These are:

  1. Social Security Disability Insurance (SSDI)

The recipient must have worked for a certain number of years in a company and made contributions to the Social Security to be considered as “insured”. A disabled person’s spouse and dependents aged 18 years old and above are eligible for the benefits, called auxiliary benefits. Following the Social Security Administration (SSA) guidelines, a waiting period of five months is needed before the recipient can claim the disability benefits. The waiting period starts on the first full month the claimant became disabled.

  1. Supplemental Security Income (SSI)

This is a program that is need-based, which means previous work history is not necessary. SSI is funded by general taxes, which includes personal income taxes, corporate and other taxes. SSI pays monthly benefits to people with limited or no income and resources. Blind and disabled adults and children are eligible for this program.

In applying for either program, a collection of personal and medical information is necessary which is why seeking Rockford Social Security Disability Lawyer as a legal consultant is highly encouraged. Social Security now offers an online disability application for the claimant to complete from the comfort of their home.

How to apply for benefits?

Who can apply for disability benefits online?

  • Age 18 years and above;

  • Unable to work due to a medical condition that can last for at least a year or may result in death;

  • No Social Security benefits received;

  • Have not been denied for disability benefits in the last 60 days

To make the application easier, necessary information should be available on hand.

Personal Information

  • Social Security number, name, date, and place of birth.

  • Name, date of birth, and Social Security number of your spouse

  • May also include date and place of marriage and divorce or death dates, if applicable

  • Names and birth dates of minor children

Information About Your Medical Condition

  • Name, address, and contact number of the person who knows about your condition and can help with your application

  • Names, addresses, phone numbers of your doctors, hospitals, and clinics

  • Previous medical tests you have undergone

Work Information

  • The amount of money you earned for last year and this year

  • Company name and address of your previous work from last year and this year

  • Social Security Statement

  • List of jobs you had in the last 15 years before you became unable to work

Once you have completed the necessary requirements and the SSA received your application, they will now begin to review your claim. Undergoing a consultative exam paid by SSA is necessary. The exam is to evaluate the extent of your disability and if the condition meets the guidelines for SSDI benefits. The process usually takes three to four months.

Once your application is approved, a letter will be sent to you stating the amount you will receive monthly, the effective date and back pay, if any. If your SSDI application is denied, you will be given 60 days upon notice to appeal the decision of SSA.

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