If you have a disability that prevents you from working, you may be eligible for Social Security Disability Insurance (SSDI). However, applying for SSDI can be a complicated and overwhelming process, especially when you’re already dealing with the challenges of living with a disability.
In this blog, we’ll walk you through the SSDI application process, from understanding eligibility to navigating potential denials, and explain how Talbot & Kesling at Capital Injury Law can help you successfully apply for benefits.
Understanding SSDI
Social Security Disability Insurance (SSDI) is a federal program that provides financial assistance to individuals who cannot work due to a qualifying disability. The program is funded through payroll taxes, so individuals who have worked in jobs covered by Social Security contribute to their own safety net over the years. If you’re unable to work because of a disability, SSDI can replace a portion of your income, and after two years of receiving benefits, you may even qualify for Medicare.
While SSDI offers a critical financial lifeline, the application process can be long, complex, and prone to errors. Many applicants are initially denied, so it’s crucial to understand the process and consider legal help to improve your chances of success.
SSDI Eligibility Requirements
Before you apply for Social Security Disability, it’s important to understand the eligibility requirements. To qualify for SSDI, you must meet two key criteria: your medical condition and your work history.
Qualifying Medical Condition
Your disability must meet the Social Security Administration’s (SSA) definition of disability. Generally, this means your condition must be severe enough to prevent you from engaging in any substantial gainful activity (SGA), and it must be expected to last for at least 12 months or result in death. Some conditions, like certain cancers, can automatically qualify you, while others may require extensive medical evidence to prove their severity.
Sufficient Work History
Unlike Supplemental Security Income (SSI), SSDI is based on your work history, not financial need. You must have earned a sufficient number of work credits based on your earnings and work history. Most people need to have worked for several years to accumulate enough work credits to qualify for benefits. The SSA uses a specific formula to determine whether your work history meets the requirement.
How to Apply for Social Security Disability
If you believe you meet the eligibility requirements for SSDI, the next step is to apply. The SSA provides several ways to submit your application:
- Online Application
You can apply online through the SSA website. This is often the most convenient option, as it lets you complete your application from the comfort of your home. - Phone Application
If you prefer, you can apply by calling the SSA’s toll-free number at 1-800-772-1213. A representative will guide you through the process and help answer any questions you may have. - In-Person Application
You can also apply in person at your local Social Security office. While online applications are more common, this option may be helpful if you need assistance or have specific questions that require one-on-one support.
When applying, you’ll need to provide detailed information, including medical records and work history documentation. You will likely be asked to submit additional forms or evidence, and even the smallest mistake or omission can result in a denial.
Decision Letter: Denials and Appeals
After submitting your application, you can expect to wait several months for a decision. Unfortunately, the majority of SSDI applications are denied at the initial stage. If your claim is denied, you don’t have to give up. The SSA allows you to appeal the decision, but you’ll need to provide even more documentation and evidence to strengthen your claim.
It’s important to act quickly—there are strict deadlines for filing an appeal. Many applicants who are initially denied are ultimately approved after going through the appeals process, which may include a hearing with an administrative law judge.
Why Hire an SSDI Attorney Before Applying?
You are not required to hire an attorney to apply for SSDI. However, it’s a smart investment that can significantly improve your chances of success. Approximately two-thirds of SSDI applications are initially denied, and half of all appeals are denied as well. With odds like that, having an experienced SSDI lawyer can make all the difference in getting the benefits you deserve.
At Talbot & Kesling, we specialize in SSDI cases and know how to navigate the system. Here’s how we can help.
Assistance with Paperwork and Deadlines
The SSDI application involves a lot of paperwork and strict deadlines. We help ensure all forms are filled out correctly and submitted on time, avoiding costly errors that could delay your claim.
Building a Strong Case
With decades of experience in SSDI law, we know what makes a successful claim. We’ll work with your doctors to gather medical records and statements that clearly demonstrate how your condition prevents you from working.
Guiding You Through Appeals
If your application is denied, the appeals process can be daunting. We’ll help you gather the necessary documentation and guide you through each step, including preparation for your hearing with an administrative law judge. Our attorneys are experienced in handling SSDI appeals and can give you the best chance of success.
Learn More and Get Help Applying for SSDI Today
Applying for SSDI can be a complex and stressful process, but you don’t have to do it alone. Talbot & Kesling at Capital Injury Law is here to help you every step of the way, from determining your eligibility to submitting your application and handling any appeals.
Whether you’re just starting the application process or need assistance with a denial, our experienced team of SSDI attorneys is ready to support you. Contact us today for a free consultation, and let us help you get the financial support you deserve.