FAQ Social Security Disability
What is Social Security Disability Insurance (SSDI)?
Social Security Disability Insurance (SSDI) is a federal program administered by the Social Security Administration (SSA) that provides financial assistance to individuals with disabilities that prevent them from working full-time. To qualify, you must have a severe medical condition expected to last at least one year or result in death, and it must significantly limit your ability to perform past relevant work or adjust to other types of employment.
Am I Eligible for Social Security Disability Benefits?
Eligibility for SSDI benefits depends on two main factors: your work history and your medical condition.
Work History: You must have a sufficient work history and have recently paid Social Security taxes. The specific requirements vary based on your age when you became disabled.
Medical Condition: Your disability must be considered “severe” by the SSA, meaning it significantly limits your ability to work. The SSA maintains a listing of impairments that automatically qualify, but even if your condition isn’t listed, you may still be eligible if it meets the severity criteria.
What Conditions Qualify for Social Security Disability Benefits?
The SSA considers a wide range of medical conditions for SSDI benefits, including:
- Musculoskeletal disorders (arthritis, back pain)
- Mental health conditions (depression, anxiety, PTSD)
- Cancer
- Heart disease
- Respiratory conditions
- Neurological disorders
This is not an exhaustive list, and any severe medical condition that limits your ability to work can potentially qualify.
How Do I Apply for Social Security Disability Benefits?
You can apply for SSDI benefits online at the SSA website (https://www.ssa.gov/disability), by phone, or in person at your local Social Security office. The application process involves submitting medical records and other documentation to support your claim.
We recommend gathering all necessary documents beforehand and potentially seeking legal assistance to ensure a smooth application process.
What Happens After I Apply for Social Security Disability Benefits?
After submitting your application, the SSA will review your medical records and work history to determine your eligibility. They may also schedule a consultative examination with a doctor to assess your disability. You will receive a decision letter from the SSA informing you of the outcome.
My SSDI Claim Was Denied. What Now?
Unfortunately, a significant portion of initial SSDI applications are denied by the SSA. However, you have the right to appeal the decision. The appeals process involves multiple stages, and seeking legal assistance from a Social Security Disability attorney can significantly improve your chances of success.
How Long Does it Take to Get Approved for Social Security Disability Benefits?
The processing time for SSDI applications can vary greatly depending on the complexity of your case and the workload at your local SSA office. Applications without complications might be decided within a few months, while complex cases involving appeals can take a year or longer.
How Much Do Social Security Disability Benefits Pay?
The amount of your monthly SSDI benefit is based on your average covered earnings during your working years. Generally, the longer you worked and the higher your earnings, the higher your benefit amount will be.
Can I Work While Receiving Social Security Disability Benefits?
Yes, under certain circumstances you can work while receiving SSDI benefits. The Social Security Administration has a program called “Trial Work Periods” that allows you to test your ability to work without jeopardizing your benefits. However, there are limitations on your earnings and how long you can participate in a trial work period. Consulting with the SSA or a benefits attorney is crucial to understand the specific rules regarding work and SSDI.
Do I Need a Lawyer to Apply for Social Security Disability Benefits?
While you are not legally required to have an attorney to apply for SSDI benefits, the application and appeals process can be complex. Having legal representation can significantly improve your chances of success. A Social Security Disability attorney can guide you through the application and appeals process, gather evidence, represent you at hearings, and ensure your rights are protected throughout the process.
What is Supplemental Security Income (SSI)?
Supplemental Security Income (SSI) is a federal program that provides financial assistance to individuals who are aged, blind, or disabled and have limited income and resources. Administered by the Social Security Administration (SSA), SSI is designed to help recipients meet basic needs such as food, clothing, and shelter. Unlike Social Security benefits, which are based on work history, SSI eligibility is determined by financial need. SSI recipients may also qualify for Medicaid and other state assistance programs.
Who is eligible for SSI?
To qualify for SSI, applicants must be aged 65 or older, blind, or disabled and have limited income and financial resources. In 2024, countable resources must not exceed $2,000 for individuals or $3,000 for couples. U.S. citizenship or certain lawful residency statuses are required. Additionally, applicants must reside in one of the 50 states, the District of Columbia, or the Northern Mariana Islands. SSA evaluates income and living arrangements, which can affect benefit amounts.
How do I apply for SSI benefits?
Individuals can apply for SSI online through the Social Security Administration’s website, by phone at 1-800-772-1213, or in person at a local SSA office. The application process requires proof of age, citizenship or residency status, income, resources, and medical evidence for disability claims. Processing times vary, and SSA may request additional information before making a determination.
Can I work while receiving SSI?
Yes, SSI recipients can work, but their earnings may affect their benefits. The SSA applies income exclusions to earned wages, but a portion of earnings will reduce SSI payments. If earnings exceed a certain limit, benefits may be suspended. However, recipients may qualify for work incentives like the Plan to Achieve Self-Support (PASS) or the Student Earned Income Exclusion (SEIE) to maintain eligibility.
How do I appeal if my SSI application is denied?
If an SSI application is denied, the applicant has 60 days to appeal. The first step is a reconsideration, where a different SSA reviewer examines the claim. If denied again, the next step is a hearing before an administrative law judge. Further appeals can be made to the Appeals Council and, if necessary, federal court. It is recommended to seek legal assistance when appealing an SSI denial.
