Social Security disability benefits will allow you to keep a roof over your face and food up for grabs whenever you become disabled as a result of an accident, a sickness, or an extreme condition that is medical. That said, applying for these benefits can be a process that is cumbersome mostly as a result of various steps involved, the complicated paperwork required, in addition to prospect of in-person hearings.
Also bear in mind for yourself or eligible family members that you have to be “insured” to qualify for Social Security disability benefits. According to the U.S. Social Security Administration, this means “that you worked long enough – and recently enough paid and– Social Security taxes in your earnings.”
We’ll walk you through each step of the process, and tell you what to expect during each stage of your Social Security disability application.
If You believe you may be eligible for assistance through the Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) programs, keep reading for more information on the procedure therefore the steps you’ll have to take.
Who Are Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) Programs created for?
When you’re stuck navigating a disability or a illness that is chronic you from working a full-time job, planning for the future can seem pointless. Not only that but keeping up with bills and household expenses can truly be impossible when you are no longer able to bring in a income that is guaranteed. The uncertainty of being unsure of when you’ll be paid will make life increasingly difficult, which is the reason why the Social Security and Supplemental Security Income disability programs exist into the place that is first
According to a 2020 report from the Aspen Institute — The True Cost of Caregiving — the costs involved in taking care of adults and children with disabilities are often exorbitant and out of reach.
The report notes that disabled adults make up approximately 12% of the nation’s age that is working, yet be the cause of significantly more than 50% of those staying in long-term poverty.
Adults coping with a disability are 3 x more prone to find it difficult checking up on bills and two times as expected to skip important care that is medical a result.
The Financial impacts also apply to caregivers in the true home, that may be parents, siblings, or any other relatives. The report notes that “family caregivers who do work part-time or full-time tasks are more prone to devote some time removed from work as a result of unreliable or limited access that is affordable professional care, leading to foregone household earnings.”
Further, Approximately 28% of family caregivers provide care to both an adult and a young child, making it even more complicated to keep along with bills as well as other household expenses.
According The Social Security and Supplemental Security Income disability programs provide the bulk of assistance to disabled people, which can help take the pressure off of their caregivers as well to the Social Security Administration. While each program works differently, they are both administered by the Social Security Administration and available only to those who meet specific criteria that are medical
Social Security Disability or SSI: Which Medical Conditions Qualify?
The complexity on the application process, combined with the hoops you must jump right through to be approved, makes it burdensome for people who need these benefits most to be eligible for assistance through the Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) programs. This can indicate those who work in the need that is worst of assistance are often stretched too thin to fight when their application is unjustly denied.
Before you apply for Social Security Disability or SSI, it makes sense to find out whether your condition is commonly considered disabling, and for yourself and your family.
The whether you have a shot at securing benefits Social Security Administration lists a true number of illnesses and conditions that are applicable to individuals age 18 and over and to children under the age of 18 when appropriate. Having one of these conditions will usually lead to approval for SSDI/SSI benefits after one completes the application process — including all paperwork, medical exams, and hearings.Social Security AdministrationThe following medical conditions are considered severe and a basis that is good a disability application, relating to the
. However, not every person who is afflicted with one of these simple conditions will qualify.
Also, remember that eligible conditions are updated on a basis that is regular. This means that some of the conditions on this list may no apply, and longer that new conditions may be added with time.
|Listing Of Impairments – Adult Listings||Category|
Degenerative disc disease
Carpal tunnel syndrome (CTS)
|Heart arrhythmias||Congenital Disorders|
|Down’s Syndrome||Digestive System
Hepatic (liver) dysfunction
Inflammatory bowel disease
Short bowel syndrome
|Malnutrition||Endocrine Gland Disorders
Pituitary gland disorders
Thyroid gland disorders
Parathyroid gland disorders
Adrenal gland disorders
|Other pancreatic gland disorders||Genitourinary Disorders
Chronic obstructive uropathy
|Hereditary nephropathies||Hematological Disorders
Disorders of thrombosis and hemostasis
|Disorders of bone marrow failure||Immune system
Schizophrenic, Delusional (Paranoid), Schizoaffective, and Other Psychotic Disorders
Post-traumatic stress disorder (PTSD)
|Autism spectrum disorder||Respiratory System
Chronic obstructive pulmonary disease (COPD)
Chronic infections of your skin or mucous membranes
Genetic photosensitivity disorders
|Burns||Special Senses and Speech
If you’re planning on making an application for Social Security disability benefits, having any one of these simple conditions can really help your case. However, the complex nature of every of the conditions allows for you to definitely be denied SSDI/SSI centered on individual factors or analysis that is incomplete. The way your condition could affect your work may play a role also in if or not you be eligible for benefits, as will the viewpoint of one’s assigned judge or case reviewer.
In order to be eligible for Social Security disability benefits or SSI, you’ll need a complete evaluation from a medical professional or existing medical records that prove your trouble. You’ll should also been employed by in a position or career that gives Social Security disability benefits.
Most of times, Social Security disability benefits is going to continue until you’re able to come back to be effective on a basis that is regular. Certain programs also offer transition programs that extend benefits as you ease back into the workplace.
For Children under the age of 18, another listing is had by the Social Security Administration of illnesses and conditions used to help determine disability benefits. Just like adults, having one of these simple conditions will lead to approval usually for SSDI/SSI benefits.stated by the SSA websiteChildren under age 18 will usually be considered disabled she“has a medically determinable physical or mental impairment or combination of impairments that causes marked and severe functional limitations, and that can be expected to cause death or that has lasted or can be expected to last for a continuous period of not less than 12 months,” as
Low Birth Weight
Failure to Thrive
Major dysfunction of a s that is joint( (due to any cause)
Reconstructive surgery or surgical arthrodesis of a major weight-bearing joint
Disorders of the spine
Fracture of an upper extremity
Soft tissue injury (e.g., burns)
Special Sense and Speech
Loss of Visual Acuity
Hearing loss not treated with cochlear implantation
Hearing loss treated with cochlear implantation
Chronic pulmonary insufficiency
Growth failure due to any respiratory disorder
Chronic heart failure
Rheumatic heart disease
Chronic liver disease
Inflammatory bowel disease (IBD)
Need for supplemental daily enteral feeding
Chronic kidney disease, with chronic hemodialysis or peritoneal dialysis
Chronic kidney disease, with kidney transplant
Chronic kidney disease, with impairment of kidney function
Growth failure due to any chronic renal disease
Congenital Complications of chronic kidney disease
Disorders of bone marrow failure
Chronic infections of the skin or mucous membranes
Non-mosaic Down syndrome
A catastrophic congenital disorder
Major motor seizure disorder
Autism Spectrum Disorder and Other Pervasive Developmental Disorders
Schizophrenic, Delusional (Paranoid), Schizoaffective, and Other Psychotic Disorders
Somatoform, Eating, and Tic Disorders
Attention Deficit Hyperactivity Disorder
Developmental and Emotional Disorders
Cancer (malignant neoplastic diseases)
Malignant solid tumors
Immune System Disorders
Systemic lupus erythematosus
Systemic sclerosis (scleroderma)
Polymyositis or dermatomyositis
Undifferentiated and mixed connective tissue disease
Immune deficiency disorders
Human immunodeficiency virus (HIV) infection
- Sjögren’s syndromeSocial Security Disability Benefits: The Application Process
- The application process for Social Security disability benefits can take anywhere from a few months to several years to complete. This is partly because of the many steps involved, but also because of the many layers of government bureaucracy involved in the decision that is finalThere are many different steps involved with making an application for Social Security disability, them to qualify although you may not have to complete all of. The outline that is following each step of the process in the process, together with what to anticipate on the way.
- Initial Application: this action involves filling in the paperwork that is initial your Social Security disability claim, along with submitting required documentation such as medical records, X-rays, or letters of recommendation. This paperwork will be requested directly from your medical provider by the DDS.
in many cases: The reconsideration process begins after your application that is initial for is denied. At this stage, your case will be seen by a SSI that is different reviewer analysis.
: you have the right to appeal for an administrative hearing if you’re denied at reconsideration. At this point, your case will be reviewed by a judge who will grant a decision that is finalAdult Disability ChecklistAppeals Council
: in case your case is denied at an hearing that is administrative you have 60 days to appeal to an appeals council. The appeals council shall decide where your case goes from this point, or if perhaps it really is denied altogether.
If you’re applying for Social Security benefits by yourself, all these steps can seem to be overwhelming. The procedure becomes much easier to digest if you’re in a position to break each step down and consider its implications on its own.
Step 1: Initial Application
Filing an initial application for any of these benefits can feel like a job that is full-time. You’ll need certainly to describe your condition accurately on detailed government forms, submit doctor’s records, and complete a variety of questionnaires that will help the Social Security Administration build a case for, or against, your eligibility.
Fortunately, the U.S. Social Security Administration offers its own* that is( that will allow you to gather the mandatory information to apply.Social Security AdministrationWhile Many attorneys that represent SSDI/SSI cases offer to help once you’re denied, you may actually be better off getting an SSDI/SSI attorney or lawyer as you submit your initial application. An honest attorney’s guidance may prove helpful they can help you fill out forms, gather evidence, and submit your first round of paperwork.
If as you navigate the complex world of requirements, and at the very least you complete the application that is initial SSDI/SSI on your own, you’ll need to make sure you provide every detail and form they ask for, and in an efficient and timely manner.
Failing to submit all required forms for your application could result in a delay or denial of your case.
Step 2: Reconsideration
Reconsideration is only a factor if your application that is initial for benefits is denied. Once a denial is received by you, you have 60 days to appeal by asking for a reconsideration of your case. At this point, your claim is sent to a reviewer that is different it’s going to be analyzed again.
According on the
, only 22% of applicants received approval with regards to their Social Security benefits after their initial application at last count. That leaves one other 78% to just accept their denial or make an application for reconsideration. The percentage of applicants who have been approved after reconsideration varied from 2% to 9% from 2008 to people that are 2017.
Many a lawyer or attorney to assist them at this stage of their claim. It’s important to note, however, that some states allow you to skip the reconsideration stage and proceed directly to the next step of the process, the hearing that is administrative. States that don’t have a reconsideration stage include Alaska, Alabama, Colorado, Louisiana, Michigan, Missouri, New Hampshire, New York, Pennsylvania, and a few parts of California.
Step 3: Administrative Hearing
If your reconsideration is unsuccessful, or you reside in a situation where reconsideration is not offered, you’ll need certainly to proceed to the next phase in the process: the hearing that is administrative. During this stage of your SSI application, you’ll have 60 days to appeal the decision that is last for you personally.
At this stage, your claim is allotted to an administrative law judge who can analyze your case independently and rule on your own eligibility. All the right time, these cases will be held within 75 miles of your home so you can attend in person. Having an SSI attorney on your side could prove helpful at this stage of the process, although many SSI applicants choose to represent themselves.
To prepare, you should gather any information that is additional your case that includes arrived at light due to the fact filed your initial application for Social Security disability benefits. These records will include any doctors that are new have seen, new hospitals visited, or medical treatments or tests that have been administered. You’ll also want a list of current medications you’re taking, along with any changes in your history that is medical that taken place. Other supporting documents such as for example forms, medical reports, and written statements ought to be gathered before your hearing that is administrative date.
During your administrative hearing, you’ll have the opportunity to state your case to the judge who will make the decision that is final. The administrative hearing is considered a crucial component of your application for Social Security disability benefits.
At since many more claims find success and approval at this stage compared to reconsideration this point, you’ll need to have a full understanding of your medical condition or disability and be able to articulate how it prevents you from working and supporting yourself. Still, the Social Security Administration reports that approximately 64% of disability claims are ultimately denied.(*)Step 4: Appeals Council(*)If you’re among the majority of applicants who are ultimately denied Social Security disability benefits thus far, you’ll have another 60 days to file an appeal with the Appeals Council. An appeals council will review your administrative hearing to determine if the judge assigned to your case followed the Social Security Administration’s rules and regulations in order to reach his or her conclusion.(*)One of three different outcomes can be expected once your case is in the hands of an appeal’s council at this stage. First, your choice might be reversed, granting you the Social Security disability benefits you applied for. Second, your case may be sent back to the judge who analyzed your case during your administrative hearing. Or third, the denial for your case shall stand.(*)If You choose, you have the right to appeal your case all the real way up to Federal Court.(*)The Bottom Line on Social Security Benefits(*)Applying for Social Security benefits can seem daunting if you’re unfamiliar with the process. The complex web of paperwork, required medical visits, and the appeals process can make living with a disability or chronic condition infinitely harder at a time when you’re least able to cope.(*)The thing that is best can help you to make sure your case goes smoothly is always to stay as organized as you’re able. Keep careful records of one’s condition that is medical and seeing a doctor regularly so the Social Security Administration will have an ongoing record of your requests for care.(*)Once You begin your application for Social Security disability benefits, complete each step and form in the process completely and accurately. If required, it is possible to hire legal counsel who focuses on SSDI/SSI claims to support together with your case.(*)