Lewisville, Texas, is a relatively large city in Denton County that was incorporated in 1925 and has a fast-growing population, which recently surpassed 100,000 people. The city has a dependable infrastructure and diverse tax base supported by its hard-working residents who depend on their jobs. All too often, however, tragedy ensues when a disabling injury or illness prevents good people from working and earning a living.
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 a 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). It protects 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. It has been 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 satisfy two work requirements which ensure that you have sufficiently paid into the program. The first requirement is that you have worked a minimum number of years for your age. The second considers how recently that work was completed. Both requirements are based on your age at the time the disability occurred.
Along with the two work requirements, you must also fulfill the disability requirements, which use a stricter definition of the term “disability” 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. They must prevent you from both performing your past work duties and adjusting to new types of work.
Although there is nothing that prevents you from going to your nearest SSA office in Denton, TX, completing an application, and receiving benefits after the five-month waiting period, this method of receiving benefits is highly unusual. Approximately 66% of SSDI applications are rejected after the first review. Afterward, 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 three million applications are processed each year, and there is always a backlog of at least a million applications waiting to be processed. Because of this, an approval through the appeals system can take years.
If you need to file a new SSDI application or have filed one that has been rejected, an experienced professional can be extremely helpful in handling your case. Our law firm can provide you with quality representation. We will also enable you to spend more of your time with your family and learning to live with your disability.
If you are asked to appear before a judge at an SSDI hearing, our lawyers 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.