Living with a disability presents unique challenges, one of which is securing the financial support you deserve. Many people rely on disability benefits to cover essential expenses.

However, understanding the disability claim process can be complicated. 

According to the Social Security Administration, about 25% of 20-year-olds will become disabled before reaching old age. This highlights the importance of knowing how to navigate the system to secure adequate financial support.

In this post, we will guide you through securing the financial support you deserve.

Understanding Disability Benefits

Disability benefits are financial payments provided to individuals who are unable to work due to a medical condition. In the United States, the Social Security Administration (SSA) oversees two main programs:

  • Social Security Disability Insurance (SSDI): For individuals who have worked and paid Social Security taxes.
  • Supplemental Security Income (SSI): For individuals with limited income and resources, regardless of work history.

Determine Your Eligibility

Before applying, it’s important to determine if you are eligible for SSDI or SSI. To determine your eligibility for disability benefits, you need to check specific criteria for SSDI and SSI. 

For SSDI eligibility:

  • You must have earned a sufficient number of work credits by working and paying Social Security taxes.
  • You must have a medical condition that meets the SSA’s definition of disability.

For SSI eligibility:

  • You must have limited income and resources that fall below specific thresholds.
  • You must be a U.S. citizen or meet certain non-citizen requirements.

You can verify your eligibility by visiting the SSA website or contacting your local SSA office.

Gather the Necessary Documents

Preparing your application involves gathering various documents. These may include detailed documentation of your personal profile, medical condition, treatments, and how the condition affects your ability to work. You also need to present information about your past jobs, employers, and duties.

Fill Out the Application Form

You can apply for disability benefits online, by phone, or in person at your local SSA office. Be thorough and honest when filling out the application. Provide as much detail as possible about your medical condition and its impact on your daily life and ability to work.

Bear in mind that strong evidence is crucial for the success of your disability claim.

Handling a Denied Claim

If your claim is denied, don’t panic. Many initial claims end up being denied on the first try, but you have the right to appeal. The appeals process usually includes:

  • Reconsideration: A different person at the SSA reviews your claim.
  • Hearing: If reconsideration is denied, you can request a hearing before an administrative law judge.
  • Appeals Council: If the hearing decision is unfavorable, you can request a review by the Appeals Council.
  • Federal Court: As a last resort, you can file a lawsuit in federal court.

Get Professional Help

Navigating the disability claim process can be daunting and difficult. Consider seeking help from professionals, such as a disability attorney. These legal professionals provide support and guidance and can help you prepare your application, gather evidence, and represent you in appeals.