The majority of Americans work hard to contribute to the national workforce and have done so for many years. Many workers would continue to work hard to provide for themselves and their loved ones, but their disabilities prevent them from working any longer. It is in situations like these that a worker should consider applying for Social Security Disability Insurance (SSDI).
Social Security Disability Insurance
The Social Security Administration (SSA) provides many services for Americans of all ages. One of these services is Social Security Disability Insurance. SSDI is a program that provides assistance and benefits to workers who have not yet reached retirement. The benefits provided by SSDI come in the form of monthly payments that allow insured workers to provide for themselves and their loved ones when they are no longer able to work. The amount of benefits paid each month varies, but the first concern should be one of disability.
The SSA has developed set criteria to determine if an individual meets their definition of disabled. They do not provide benefits for what they consider to be "partial disability" or "short-term disability." Fortunately, the SSA has posted their criteria online so people can get an idea of what may qualify. Each case is looked into by the SSA, but their criteria provide a good starting place. If you believe that you meet the definition of disabled, you should begin to consider your eligibility.
The SSA determines an applicant's eligibility by evaluating their work history and their medical history.
· Medical eligibility - The SSA has a Listing of Impairments that contains disabilities that will make someone immediately eligible for benefits. There is a list for both adults and children. However, if your condition does not match the conditions of their lists exceptions can be made.
· Work history eligibility - The SSA determines the eligibility of an individual's work history by using what they call "work credits." These work credits are a measurement of income and contribution to the Social Security program as a whole. The calculation used to determine the value of a work credit changes every year, but as of 2016 a single work credit required $1,260 of income to earn. The total amount of work credits required to make a person eligible for benefits depends on their age and the amount of time they have spent in the work force, but you can only earn up to 4 work credits per year.
Applying for SSDI can be an involved process. It is not uncommon for the first application to be denied, but many applicants gain benefits after appealing the Social Security Administration's decisions. If you think you qualify for Social Security Disability Insurance, it is recommended that you seek out the services of a legal professional who is experienced and familiar with these types of cases. They will be able to assist you with any issues that arise and will work to ensure you get the benefits you deserve.