What is Social Security Disability?
Social Security Disability is a government program that aims to help support people financially when they’ve been injured and can not work or adapt to a new line of work. It also helps to protect people who are chronically disabled and never had the opportunity to work. In this way, the program covers both those who formerly worked and those who have never had the opportunity to work due to a disability.
Social Security Disability Income (SSDI)
There are two basic kinds of disability insurance offered by the government – Social Security Disability (SSDI), and Supplemental Security Income (SSI). The first, SSDI, is meant for people with a strong history of working in the last ten years, with a total of five years out of the ten to qualify for benefits. It involves using working credits that you have earned throughout your career and gives you a monthly payment based on your income.
Supplemental Security Income (SSI)
For those who do not have a strong work history as a result of a long-term or lifelong disability, you may qualify for SSI – this program is designed to pay for minimum daily living expenses. Unlike the SSDI, The SSI program gets its funding from taxes– not the Social Security system, which is why recipients don’t have to have a work history to qualify.
These are the two largest programs by the federal government meant to help people in their time of need – and are both run by the Social Security Administration. People who meet the medical criteria for eligibility can receive these benefits. It’s extremely important to do your research before applying since over 60% of initial applications are denied.
Becoming injured or otherwise unable to work can be a very trying time for many people and families but remaining calm, doing your research, and consulting a Social Security Disability attorney to help you with your claim can be your best option for a successful claim. You should know that if you decide to hire an attorney, they are only allowed to receive 25% of your first social security payment, or $6000, whichever is less – and will not receive these payments if the application is a failure. Because of this, it is greatly in your benefit to speak with an attorney to discuss your options as there’s no need to worry that an attorney will increase your financial burden.
Regardless of how you decide to pursue your SSD application, you need to do your research before beginning the application process. This will help you avoid mistakes that can lead to application rejection. SocialSecurityDisability.com is here to help. If you are interested in evaluating your options or seeing if you qualify to receive Social Security Disability benefits, fill out our evaluation form and an experienced Social Security Disability attorney will contact you shortly to discuss your potential case.