What to Expect During the SSDI Application Process
Do you have questions about the Social Security Disability Insurance, or SSDI, process?
My name is Kaitlin Wildoner, and I’m an attorney who helps disabled clients obtain their disability benefits as quickly as possible so they can focus on getting better. Today, I’m going to provide a general overview of what to expect during the SSDI process.
What Is SSDI?
SSDI is a federal program that provides financial assistance to individuals with disabilities who are unable to work due to their medical condition.
Who Qualifies for SSDI?
To qualify for SSDI benefits, an individual must:
- Have a qualifying disability
- Be under the full age of retirement
- Have earned sufficient work credits through paying Social Security taxes
Work credits are earned based on the amount of time and earnings spent in employment covered by Social Security.
How to Apply for SSDI
Applicants can qualify and apply for SSDI benefits:
- Online
- Over the phone
- In person at their local Social Security Office
The application will require detailed information about your:
- Medical conditions
- Work history
- Other relevant information
What Happens After You Apply?
The Social Security Administration (SSA) will review the medical evidence that’s provided to determine whether or not the applicant’s disability meets their criteria under the SSA’s rules.
After evaluating the application, the Social Security Administration will notify the applicant of their decision. If the application is denied, individuals have the right to appeal the decision within a specified time frame.
How Are SSDI Benefits Calculated?
The monthly SSDI benefit amount is calculated based on the individual’s average lifetime earnings and their work history as covered by Social Security.
Medicare and Trial Work Periods
After a waiting period — typically 24 months from the date when entitlement to SSDI benefits began — recipients can also become eligible for Medicare coverage.
SSDI recipients are typically allowed a trial work period, during which they can work and earn income without impacting their benefits.
Ongoing Eligibility
SSDI beneficiaries must typically undergo periodic reviews to assess their ongoing eligibility for disability and work status, to ensure continued eligibility for disability benefits.
Final Thoughts
Remember that the SSDI process can be complex, and each case is unique. Seeking assistance from a Social Security disability attorney can be helpful in navigating the process and ensuring that you meet all requirements for SSDI benefits.
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