Social Security Disability insurance is a federal program that allows disabled workers to receive compensation if they are permanently disabled. Payroll taxes fund the program, and it is open to people who have paid into the Social Security system.
There are many regulations that govern who is eligible to receive SSDI benefits. Before you attempt to apply for these benefits, you should know the basics. Many applicants receive denials at the initial application phase, so you should be fully informed before you submit your application to have the best chances for success.
How SSA defines disability
Disability is a broad term that the Social Security Administration, SSA, defines very specifically in its requirements for Social Security Disability benefits. The SSA defines disability for SSD differently than in other programs. To qualify as disabled under this program, you must have a disability that will last at least one year or more and that prevents you from doing your previous work. In addition, the Social Security Administration must determine that your medical condition or conditions prevent you from adjusting to a new type of work. Given the limited nature of these requirements, SSD is not applied broadly.
How to complete the SSD application
The SSA issues denials to the majority of first-time SSD applicants. SSA data show that an average of only 26 percent of applicants receives an approval at the initial stage. Due to this very narrow approval rate, you must be well-prepared before submitting your application. In addition, if you receive a denial, the SSA limits the amount of time you have to file an appeal, further reducing your window for an approved claim. For an appeal, you should consult with a disability attorney. These attorneys have the specialized knowledge to help you navigate the appeals process, and their assistance can ensure you have the best possible chance for a successful appeal.
There are many other rules and regulations that govern SSD applications; so many, in fact, that the average applicant cannot really be an expert on the process. Since the stakes are so high when you apply for SSD benefits, investing in the assistance of a professional disability attorney can be the most valuable investment you make for your future.