Many disabled people throughout the county rely on Social Security Disability Insurance to care for themselves and their families. Though disability is something many people do not like to talk about, the chances for disability are higher than you might have thought. Studies show that a 20-year-old worker has a 25 percent chance of becoming disabled before reaching retirement age. With those odds, it’s wise to know what SSDI is and who qualifies so keep reading.
What Is Social Security Disability Insurance?
Social Security Disability Insurance [ http://www.socialsecurity.gov/pubs/EN-05-10029.pdf ]is a program created to help people who have worked and paid their taxes in the Social Security system in case they become disabled. The person must have worked for a certain amount of years depending on their age before they become disabled. When the injured person is deemed disabled, they will receive SSDI benefits regardless of their personal financial situation.
Who Qualifies for SSDI Benefits?
SSDI benefits are paid to people who cannot work because of a medical condition expected to last at least one year or result in death. Social security has a firm definition of disability and does not award money for short-term or partial disability. Certain family members of disabled workers can also receive benefits.
The experts recommend that you apply for SSDI benefits as soon as you become disabled. Do not wait. Contacting an attorney to help you file your paperwork, may make the filing process easier on you and your family. To apply for SSDI benefits either go to www.socialsecurity.gov or call 1-800-772-1213.
When you apply for SSDI benefits you will need the following information prepared:
-Your Social Security number and birth or baptismal certificate
-Names, addresses, and phone numbers of the doctors, hospitals, caseworkers, and clinics that cared for you and the dates of your visits
-Names and dosages of all medication you currently take
-Laboratory and any test results
-All current medical records you have in your possession
-A work summary including what you did and where you worked
-A copy of your most recent W2 or federal tax return from last year
In order to qualify for SSDI benefits, an applicant’s request will be reviewed to ensure all requirements are met. Once basic requirements are met, the application moves to the state where the Disability Determination Services contacts your doctors and healthcare providers for more detailed information.
If approved, the disabled worker will receive a letter from Social Security stating when SSDI benefits have gone into effect and how much money you will receive. SSDI benefits will start to be paid six months after the effective date.