An Applicant's Guide to Social Security Disability
To qualify for Social Security Disability Insurance, you must be unable to work due to a disability or serious medical condition. If you have a disability but it does not prevent you from working, you will not qualify. Doctors must expect your symptoms to continue for at least one full year. You must also have worked and paid into Social Security in the past.
How Much You Can Get
The amount you can get depends on how much you worked and paid into Social Security in the past. To find out how much you can get, contact the Social Security Administration at 1-800-772-1213 and request a statement. You can also request a statement online (just follow this link https://secure.ssa.gov/apps6z/isss/main.html ).
How to Apply
Visit your local Social Security Administration office to begin an application for disability (follow this link to find the office nearest you https://secure.ssa.gov/apps6z/FOLO/fo001.jsp). You can also begin an application online (just follow this link http://www.socialsecurity.gov/applyonline/ ).
How Long Does It Take?
It varies but can take several months to get a response to your disability application. Many people initially get turned down, which of course prolongs the process.
If You Get Turned Down
If you get turned down, you can request a review of your case. You can submit any additional information you want to show that you qualify. If you get turned down again, you can request a hearing in which you get to go before a judge and present your case. You can hire legal representation for the hearing if you prefer.
Improving Your Chances
Improve your chances of getting approved by talking to your doctors about your difficulty working and getting their support for your disability application. Submit copies of your medical records to the Social Security Administration with your application.
What About Medicare?
After you've received disability for two full years, you will receive Medicare. You will receive information in the mail shortly before you qualify. Medicare helps pay for all sorts of medical care, including but not limited to treatment related to your disabling condition.
What About Medicaid?
Medicaid provides health insurance for some people with low incomes, and you don't necessarily have to wait two years to qualify. You need to apply at the agency that administers Medicaid in the county in which you live.
Returning to Work
You can return to work on a limited basis and still continue to receive benefits. Once you begin to earn a certain amount, however, your benefits may decrease or be discontinued. You may have a trial work period before your earnings affect your benefits, though.
Sources:
Social Security Administration. http://www.ssa.gov/pubs/10029.html#part1 . Disability Benefits.
Social Security Administration. http://www.ssa.gov/pubs/10043.html . Medicare.
Published by Kelly Morris
I am a former social worker and in that capacity, worked with teens and their families to address issues like domestic violence and school violence. I now make my living as a freelance writer. My work has... View profile
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