Social Security Disability Insurance (SSDI) is commonly the type of benefits someone seeks if they need financial assistance to make up for lost income caused by an inability to continue working due to a severe injury or illness. Since most people do not think about disability benefits before they need them, they do not know much about them. Here is some basic helpful information about SSDI benefits.
What is SSDI?
SSDI is a program that is designed to help people who have paid into the Social Security system through their payroll taxes. If you become disabled, you can apply for benefits and if a judge determines that you are disabled to the point where work is impossible, you can receive benefits.. If you have limited income, you can apply for SSI benefits, which is a need-based program.
To qualify for SSDI benefits, you need to have earned enough work credits. You can earn up to four credits per year by working at a job that takes out Social Security taxes. The number of work credits you need is dependent on your age.
Not only do you need to have worked a specified length of time, you also need to be medically eligible to receive SSDI benefits. Your condition must be severe enough that it interferes with work-related activities. If you are able to work at all, you must not earn more than $1,170 per month, or $1,950 if you are blind. It must also be expected to last for at least one full year.
Getting Approved for SSDI
You cannot get approval for SSDI until you have been disabled for at least five months. If you are approved immediately, you still cannot begin receiving checks until five months have passed. In most cases, it takes at least six months, and sometimes longer, for an application to be approved. So, once your approval comes through, not only will you start receiving checks, you will also be eligible for backpay for the months you were waiting for approval.
Getting Denied for Benefits
If your initial application is denied, you can file an appeal of the decision. If you choose to do so, you must do so within 60 days of the receipt of your denial letter. You will need to make a Request for Reconsideration, which will be reviewed by an examiner. If your application is still denied, you can take it to a higher level by requesting a hearing with an administrative law judge.
If you have questions regarding applying for SSDI, contact Fred London Law today.