Fortunately, an insurance program was put in place by the federal government in 1956 to provide financial assistance to U.S. workers who have become disabled: Social Security Disability Insurance (SSDI). If you have worked the minimum number of years in the recent past and are living with a qualified disability, you may apply for SSDI and receive a monthly benefit to support yourself and your family.
SSDI is a federal insurance policy under the jurisdiction of the Social Security Administration (SSA) that is meant to protect workers who are afflicted with severe, long-term disabilities that prevent them from earning a living. More than 9 million people receive SSDI benefits at this time, and it is estimated that one-third of today’s workers will rely on the program before reaching the age of retirement.
Some people who have heard of SSDI believe it is a government handout for low-income individuals, such as Supplemental Security Income (SSI), but these two programs are very different from each other. SSDI is a form of insurance, and the premiums are paid through automatic payroll deductions.
To be eligible to receive benefits, you must pass two work tests, which ensure you have sufficiently paid into the program. The first test determines that you have worked a minimum number of years for your age, and the second takes a look at how recently that work was completed. Both tests are based on your age at the time the disability occurred.
Along with the two work tests, you must pass the disability test, which uses a stricter definition of the term than many other insurance and social programs use. Disabilities that qualify for SSDI must be expected to continue for more than a year or result in death, and they must prevent you from performing your past work duties and adjusting to new types of work.
Social Security Disability Lawyers in Lewisville, TX
Although there is nothing to prevent you from going to your nearest SSA office in Denton, TX, completing an application and receiving benefits after the five-month waiting period, this is highly unusual. Approximately two-thirds of SSDI applications are rejected after the first review, and most applicants are forced to go through a complex appeals process that includes a hearing before an administrative law judge.
It is very important that your initial application is accurate and that you submit enough supporting evidence to prove the extent of your disability. Nearly 3 million applications are processed each year, and there is always a backlog of at least 1 million of them waiting to be processed. Because of this, an approval through the appeals system can take years.
Getting Help From SSD Attorney in Lewisville, TX
If you need to file a new SSDI application, or you have already filed and been rejected, an experienced professional can be extremely helpful in dealing with the system. You will be able to rest assured knowing that you have representation, and you will be able to spend more time with your family and learning to live with your disability.
If you are asked to appear before a judge at an SSDI hearing, we will know how to present your case and will be able to guide you and speak on your behalf. To learn more about how you can receive help with SSDI applications and appeals, contact us today for a free consultation.