Considering a Social Security disability claim? Take a hard look at it before deciding. If you have a choice, you probably don't need to apply. Some things to consider:
1. It will probably not be an easy or short process. It will take about 4 months to get your initial decision and 70% of those are denials. If you must appeal, expect a wait time of an additional 18 months after you file the appeal. So, you may be looking at 2 years or more in many cases.
2. You will need good medical evidence. If you have little or no evidence from a doctor, it isn't likely you will ever be approved.
3. You cannot apply for SSDI while you are working and earning at least $1,170 a month. This work will disqualify you. Many people don't realize they will have to stop working to apply for SSDI. That's why we say, "If you have a choice, you probably don't need to apply." If working is an option, it's the best option.
4. The average SSDI benefit is around $1,130 per month. The actual benefit is based on how long you worked and how much money you earned. But SSDI is not a lucrative deal.
5. If you stopped working for any reason besides a disability (medical condition), you will have a difficult time being approved. Examples of things not covered by Social Security: can't find a job, got fired or laid off, factory closed, stay home to care for a sick family member, lost my transportation, don't have the skills to get a good job...etc.
6. You must have adequate work history to be covered by SSDI. Usually, you need 20 quarters of work out of the last 10 years. Contact a local Social Security office to see if you currently have "insured status" under Title 2. You only get Social Security insurance by working and paying FICA tax.
1. It will probably not be an easy or short process. It will take about 4 months to get your initial decision and 70% of those are denials. If you must appeal, expect a wait time of an additional 18 months after you file the appeal. So, you may be looking at 2 years or more in many cases.
2. You will need good medical evidence. If you have little or no evidence from a doctor, it isn't likely you will ever be approved.
3. You cannot apply for SSDI while you are working and earning at least $1,170 a month. This work will disqualify you. Many people don't realize they will have to stop working to apply for SSDI. That's why we say, "If you have a choice, you probably don't need to apply." If working is an option, it's the best option.
4. The average SSDI benefit is around $1,130 per month. The actual benefit is based on how long you worked and how much money you earned. But SSDI is not a lucrative deal.
5. If you stopped working for any reason besides a disability (medical condition), you will have a difficult time being approved. Examples of things not covered by Social Security: can't find a job, got fired or laid off, factory closed, stay home to care for a sick family member, lost my transportation, don't have the skills to get a good job...etc.
6. You must have adequate work history to be covered by SSDI. Usually, you need 20 quarters of work out of the last 10 years. Contact a local Social Security office to see if you currently have "insured status" under Title 2. You only get Social Security insurance by working and paying FICA tax.
Finding a way to get benefits for our clients sooner is one of our jobs. First, we want to help you win--not get another denial. Second, we want you to get benefits in the shortest time possible. While we cannot make the US Government move faster than it does, there are things we can do to avoid unnecessary delays. (256) 799-0297.
ReplyDeleteIf you are unable to continue working and need income while you wait a long time on Social Security, check to see if your employer has a Disability plan. Many employers offer short term disability (STD) which may transition to long term disability (LTD) after 6 months. These disability benefits do not interfere with Social Security benefits and may offer a survival plan while you wait on Social Security to make up their minds. Check with your company's personnel office to get information.
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