Social security disability insurance is a beneficial federal program that benefits you and certain members of your family provided you have worked long enough and paid Social Security taxes. The program is overseen by the SSA. To ensure that you receive the benefits due to you consider the following aspects.
- Ensure that you are eligible: To qualify for the program, claimants must have been disabled before attaining full retirement age (65 – 67), and must meet SSA’s definition of disabled. The applicant must be unable to work on account of a medically determinable physical or mental impairment that is expected to last at least 12 months or a terminal illness. He/she must be under full retirement age and must have worked and paid into the social security program for at least five of the last ten years.
- Ensure that you get a medical confirmation of disability: When applying for social security disability benefits, you must necessarily have a doctor’s statement confirming your disability.
- Make sure that your medical records are comprehensive: Social Security disability is determined on the basis of a detailed medical chart review. So ensure that your medical records clearly state all details of your medical condition and treatments undergone.
- Ensure that you have proof of your previous employment. Your employment records are taken into consideration during the Social Security’s evaluation of your ability to perform work.
- File the disability application as soon as possible: At present, the wait for a hearing is nearing four hundred days. Therefore you must file the application quickly. This is to ensure that you have enough time in case your SSDI application is denied.
- Do not give up health insurance. It is better that you retain your health insurance to ensure continuing medical treatment to support your SSDI benefit claim.
- Meet all deadlines: If SSDI benefits are denied at any phase of the claiming process, you have only sixty days to file an appeal.
A social security disability attorney can help individuals file an SSDI claim and also assist with the appeal process in case of a denial.