When To Apply For Social Security Disability Insurance (SSDI)
For SSDI, you should apply right away when you become disabled. Why? Because with SSDI, the wait time for the initial application can take several months.
I am attorney Cory DeLellis. I help people understand their rights and when and how to apply for SSDI benefits. It is not unusual for an initial application to be denied. Even appeals are denied. However, there are things you can do to ensure your application is complete and on time. I can help.
The Difference Between SSDI And SSI
Both the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program help people who are unable to work and earn an income that is enough to sustain them. The difference is that, unlike SSI, SSDI is based on your work record and your age.
SSI is a type of disability benefit. SSI is for people who have limited financial resources and who may have never worked. A child who is disabled may qualify for SSI or a person who is visually impaired may qualify for SSI. Visit our FAQ page for more answers to disability questions.
Overview Of Eligibility Criteria For SSDI
To qualify for SSDI, you need to meet two key requirements involving your medical and work history.
You must have a health condition that the Social Security Administration (SSA) considers a disability. This means your physical condition or mental impairment stops you from doing substantial gainful activity (SGA). It must also last at least a year or be expected to lead to death.
Next, the work history requirement involves work credits. You earn these credits by working and paying Social Security taxes. Generally, you need to have worked for at least five out of the last ten years before your disability started.
The Application Process For Disability Benefits In San Diego
Applying for SSDI can seem overwhelming, but breaking it down into steps can make it more manageable. Here’s a simple guide to help you through the process:
- Choose how to apply: You can conveniently apply for monthly benefits from home by visiting the official SSA website. Alternatively, you can visit a local Social Security office.
- Gather and submit relevant documentation: You’ll need to provide detailed information about your health condition and employment history. This includes medical records and evidence of your work history.
- Await the decision: After applying, you may be contacted for an interview to discuss your case further. A claims examiner will then review your application for disability determination.
Remember, if your claim is denied, you have the right to appeal the decision. It is important to seek professional legal help if the disability application process is unclear to you.
Challenges In The Disability Benefits System
The initial application requires a lot of paperwork, and applicants must gather detailed documentation about their medical conditions, work history and financial situation. This can be overwhelming and stressful.
Moreover, the requirement for medical documentation is strict. Applicants need to provide strong evidence from licensed medical professionals to prove their disability and its impact on their ability to work. If the documentation is insufficient or if applicants do not follow prescribed treatments, it can lead to a denial of the claim.
Unfortunately, a large number of initial claims are denied. This often means that applicants must enter the appeals process with lengthy wait times, which can significantly delay the receipt of benefits.
How Much Will You Receive With SSDI?
SSDI benefits are paid monthly. It is based on how much you earned before your disability. Once you have a disability and are approved, you will receive a payment. There is no scale for the disability. It is paid out because you cannot work. This means the payouts are the same, no matter if your disability is mild, moderate or severe. In 2021, the average monthly disability payout was $1,277. The maximum benefit in 2020 per month was $3,148.
How Is The SSDI Payout Calculated?
The Social Security Administration bases your payout on how much you paid in Social Security taxes. It is a complex weighted formula. Typically, the more you pay into the Social Security system, the more you are eligible to receive, but every case is a little different. If the person who received SSDI payouts dies, their spouse or another family member may be able to still get the payout or a portion of it.
Get A Free SSDI Phone Consultation With An Experienced Attorney
As an experienced SSDI attorney, I understand what is needed for a successful application or appeal. I will work to protect your rights and do what I can to make sure you receive the full amount you deserve. Call 619-567-4462 or send me an inquiry email with your contact information.
I will answer your questions and provide a good idea of the process, timeline and what you can expect if you file for SSDI benefits. The firm has three office locations: San Diego, El Centro and Riverside. I serve SSDI clients throughout San Diego, Imperial, and Riverside Counties.