What Is SSDI? Social Security Disability Explained
When life changes, The Advocator Group can help.
Disabling conditions can unexpectedly prevent or limit your ability to work and disrupt your life. Social Security Disability can protect you financially during these times.
What is SSDI?
If you can’t work due to a disability, Social Security Disability Insurance (SSDI) replaces lost income and provides a financial cushion. After working and paying Social Security taxes for a set number of years, you may qualify for SSDI benefits. Our experienced Client Advocates guide you through the application process to determine if you’re eligible for benefits.
About SSDI Benefits
- SSDI is funded by a portion of the payroll taxes (FICA) you pay while working and determines your SSDI benefit amount.
- These benefits are paid to qualifying workers who can’t work due to severe illnesses or injuries that are expected to last at least one (1) year or result in death.
- SSDI is an insurance benefit that you have paid for and earned. SSDI is not welfare. To qualify for SSDI benefits, most disabled workers must have worked and paid FICA taxes for at least five (5) out of the last ten (10) years.
How to Qualify for SSDI
Eligibility for SSDI is based on your work history and medical condition. Here are the key qualifications:- Most applicants must have worked and paid FICA taxes for at least five (5) of the last ten (10) years.
- Your medical condition must be severe enough to prevent you from performing substantial gainful activity and must be expected to last at least one (1) year or result in death.
- Specific earnings requirements based on your work history must also be met
Why Should I Apply?
- You will qualify for Medicare health insurance coverage after you receive Social Security Disability benefits for two (2) years.
- You may be eligible to receive Social Security Disability benefits as you transition back into the workplace.
- Social Security Disability benefits may increase yearly because of an annual cost-of-living adjustment, and your COBRA coverage may be extended.
- You may have potential tax savings, increasing your Social Security retirement benefits. Your family could receive benefits as well.
How Our Advocates Help You Apply for SSDI Benefits
Applying for Social Security Disability Insurance can feel like a daunting task, but The Advocator Group is here to help you understand the necessary steps and make the process much more manageable. Here’s how we help you to apply for the benefits that you deserve:
- Gathering documentation, including medical records, employment history, and proof of earnings.
- One of our advocates will submit your application.
- Await a decision. Applications take several months to process. If you need to provide additional information, we will assist you.
- Appeal the decision if your claim is denied. Our advocates will guide you through the appeals process if necessary.
Common Reasons for Denied SSDI Applications
Many SSDI applications are denied on the first attempt due to:
- Incomplete documentation, can delay the process or even result in denial.
- Missing medical records or employment history.
- Failing to meet the required number of work credits for your age and work history.
If your condition doesn’t meet the Social Security Administration’s definition of disability, the application may be rejected. Working with an advocate reduces the chance of a denied application.
How Long Do SSDI Benefits Last?
SSDI benefits typically last as long as your disabling conditions persist. However, the SSA periodically reviews your case to determine if you remain eligible. Reviews are categorized as follows:
- Medical Improvement Not Expected (MINE): Reviewed every 5-7 years.
- Medical Improvement Possible (MIP): Reviewed every 3 years.
- Medical Improvement Expected (MIE): Reviewed within 6-18 months.
If your condition improves and you can work, benefits may be adjusted or discontinued.
