What Does Social Security Disability Insurance Cover?

In today’s world, it is important to ensure that everyone has some type of protection should they become disabled. Disability is not an easy thing to deal with. Aside from the loss of independence, a disability can cause great financial stress on a family. In such cases, it is helpful to know that you and your family can apply for Social Security Disability Insurance, also known as SSDI.

SSDI is a program administered by the federal government to provide financial support for those who become disabled and cannot work. To qualify for this benefit, you must have been employed in a job that is covered by the Social Security Administration program. You must also prove that you have a medical condition that is causing the disability. The  benefits are normally paid to anyone who is unable to work for a year or more and generally continues until you can return to work.

To ensure that you don’t miss out on your SSDI benefits, you should apply for SSDI as soon as you become disabled and stop working, as well as speak with a law firm experienced in these cases. You can complete your application online or visit a Social Security office near you. It generally takes between three and five months for your application to be considered, so the sooner you apply, the sooner you can start receiving benefits.

As part of your disability application, you will need to provide certain information, such as your social security details, medical records, and details of where you have worked. You will also need to provide your most recent W-2 form or federal tax return.

There are certain criteria that are considered by the Social Security office when deciding whether an applicant meets the necessary requirements to qualify for the disability benefits. They will look at certain factors such as whether you are currently working at any job and the severity of your disability. They will also consider whether you can do the same work you did before or whether you may be able to do some other type of work despite your disability.

The Social Security office will decide on the amount of disability benefit that you are able to receive. The amount of your monthly benefit is based on your average lifetime earnings, so the more work credits you have accumulated, the higher your benefit will be. If you are unhappy with the amount of your benefit, or your application is denied, you have the right to appeal the decision.

In addition to the monthly cash benefit, you will also be eligible to receive Medicare coverage once you have received disability benefits for two years.

Your family members may also qualify for disability benefits based on your work history, such as a spouse or unmarried child under the age of eighteen. If you have a child over the age of eighteen, he or she may also qualify for the benefit if they have a disability that began before their twenty-second birthday.

For more information about the disability benefit, you can contact the Social Security Administration directly or speak to an attorney who deals with Social Security Disability matters.