What is disability?
To be considered under Social Security, you need to have a medical condition that will last for 12 months or longer and prevent you from working in any capacity. Social Security Disability is considered long term disability and does not provide benefits for short term disability. Additionally, Social Security does not award partial disability like the Veteran’s Administration; under Social Security you are either 100% disabled or you are not.
In addition to the medical requirements for Social Security Disability you need to have worked in jobs that pay the taxes for a minimum of 5 of the last 10 years prior to the onset of your disability to be insured under Social Security. Even if you are not currently insured for Social Security Disability, you may still qualify if you meet the insured status requirements prior to when you became disabled. For younger workers, Social Security does make some adjustments to the 5/10 rule.
What type of Disability Benefits are there?
One way to check if you are currently insured for Social Security Disability is to look at your Social Security Statement. On page two of the statement it will tell you if you have enough credits earned on your work record to qualify for Social Security Disability, and gives an estimate of your benefit amount. Again, Social Security makes some exceptions for younger workers. Because a disabled younger worker has less potential to earn credits under Social Security they typically receive a higher amount for the work that they do have.
Assuming that your doctor has told you that you will be out of work for 12 months or longer (or you have a terminal condition) and you meet the work requirements for Social Security Disability, you need to file an application. There are several ways to file. If you are already familiar with Supplemental Security Income (SSI) program and know that you do not qualify based on your household income or money you have in the bank, the simplest way to file is online at Social Security’s website. (http://www.socialsecurity.gov/applyfordisability/)
If you are familiar with the SSI program or would like a determination for SSI, you need to call Social Security’s national number 1-800-772-1213 and speak to a representative. Before you call you’ll need to gather some information. The representative will need to know the date that you first became disabled, what the nature of your disability is, and when you stopped working. They will also need to know if workman’s compensation is involved through your State. Additionally, for the SSI screening, they will need to know how much income your household has per month, and how much money you have in the bank. They also need to know about any investment accounts you have including IRAs, 401k plans, stocks, mutual funds, and CDs. They will need to know how many vehicles you and your spouse own, what kinds of property you own, and how many children you have.
This information is important because SSI is a “need based program” and if you qualify the money you receive is paid from the Federal Tax Revenues, not from the Social Security Trust fund. Once you have scheduled your appointment or applied online you will need to provide proof of citizenship or resident alien status. This is done by providing your original birth certificate, passport, or Resident Alien card to the Social Security office processing your claim. This office will provide you an application for signature and a medical release form where you will be required to list all the doctors, clinics, and hospitals where you have been seen.
After your records are complete in the Social Security office, you case is transferred to your State’s Disability Determination Service (DDS). It is important to know that Social Security does not evaluate your disability or approve your initial claim. The determination that you meet the medical requirements is made by an agency of your State’s government. Once this decision is made, and it typically takes the State 120 days to evaluate you, you will receive a decision letter in the mail.
If you are approved, your case is sent back to Social Security where your folder goes to one of the many regional payment centers that will start your payments. Once you have an approval letter from the state it will take Social Security 30-60 days to process your record for payment. At that time, you will receive an award letter from Social Security telling you how much you will receive and when.
If your claim is denied by the State agency, you will need to file an appeal. This appeal will be reconsideration with the State or a hearing before an Administrative Law Judge depending on the State you live in.
It is important to have experienced legal counsel to increase your probability of success in getting your Social Security benefits.
A person is entitled to receive Social Security Disability (SSD) benefits when they are no longer able to perform substantial gainful activity as the result of a physical or mental impairment that is expected to last at least 12 months, or possibly result in death.