Flower Mound, Texas, is a mid-sized city north of Dallas that has been settled since the 1850s, and the current residents there are largely faithful, good natured and hardworking. However, a tragic physical or mental impairment may occur at any time, and you could be left unable to work. With no income, it doesn’t take long for what was once a normal life to fall apart completely.
Fortunately, most workers in the United States pay into the federal disability insurance plan, known as Social Security Disability Insurance (SSDI), and if you qualify, you will receive a monthly benefit to help you maintain a decent standard of living.
What Is SSDI?
Nearly one in four adults becomes disabled before they reach retirement age, and very few carry private disability insurance. To alleviate some of the personal and national problems this causes, the federal government established SSDI in 1956. Today, about 9.5 million people in the U.S. receive a monthly benefit from SSDI.
Those who qualify for SSDI benefits receive a modest but livable monthly income based on the average annual earnings over the course of their work lives. As of the end of 2015, the average monthly benefit for SSDI was $1,166, and although this amount is just enough to bring the recipient above the poverty line, it makes a big difference for those who are unable to work.
To qualify for SSDI, you must meet two work requirements, the duration of work test and the recent work test, both of which are based on the age of the applicant. If you are 21 to 24 years of age, you must have worked 18 months out of the last three years. If you are 24 to 31 years of age, you must have worked half the time since your 21st birthday. If you are 31 or older, you must have worked five years out of the last 10.
Once you meet the two work requirements, you then have to prove that you have a severe disability. Your condition must prevent you from performing the work you did before it occurred, and you must show that you cannot adjust to any other type of work. In addition, the disability must be on the list of qualifying disabilities maintained by the SSA, or a doctor must state that it is expected to last at least one year or end with your death.
Social Security Disability Lawyers in Flower Mound, TX
In Flower Mound, Texas, you can apply for SSDI online or at the SSA office in nearby Denton. You may complete the application yourself, but it is important to understand that you will be expected to submit your medical records and other evidence, and you must know all of the proper legal, technical and medical terms for your condition to prevent delays.
Even if you do everything perfectly, the chances are very high that your initial SSDI application will be denied because only about 35 percent of applications are approved in the first round. You will most likely have to go through a difficult appeals process, which may include a formal hearing before an administrative law judge.
Getting Help From SSD Attorney in Flower Mound
The easiest and most efficient way to apply for SSDI or to appeal a rejected application in Flower Mound is to obtain professional representation from the team at Chermol & Fishman, LLC. The average wait time to have a hearing scheduled for Flower Mound appeals is 14 months, and during this time, finances can become extremely tight. When you have us at your side, we will do all of the heavy lifting and even speak on your behalf at the hearing. If you would like more information about SSDI, contact us today.