Social Security Disability Benefits
Although disability is something that many of us hear about from time to time, we never expect it to happen to us. However, the unfortunate reality is that the statistics show that it’s much more likely to happen to you than you might think. In fact, studies show that 25% of people who are twenty years old now will become disabled before reaching 67 years of age.
While many of us spend lots of time working to move up in our careers, most people are not prepared for the reality of disability. However, there are approximately 374,000 people in Pennsylvania alone who are receiving Social Security Disability benefits. Whether you are currently disabled or want to know more about how to handle a disability, we are here for you.
What Counts as a Disability Under Social Security?
Although there are several definitions of disability floating around out there, the definition under the Social Security is a bit different than other programs. Under the Social Security system, you are only eligible to receive compensation if you have a total disability. You cannot receive payment for partial disability or short-term disability.
Social Security’s definition of disability is based on how your disability affects your work life and ability to make money. Social Security considers you to have a total disability and eligible for the benefits if:
- You are unable to complete your work as before;
- They determine that you are unable to complete other work because of your medical condition; and
- Your disability has lasted, or will last, for at least one calendar year or will result in death.
The Social Security definition of disability is strict. Under their rules, they believe that you and your family can find other means of income (think workers’ compensation, insurance, savings, investments, etc.) during times of short-term disability.
When to Apply?
We recommend that you apply as soon as you fell you are unable to work…even the next day after you stop. If you wait, you are simply delaying the process and even losing out on potential beneftis. Each month you wait is one less month of benefit you could receive. EVEN THOUGH THERE IS NO GUARANTEE OF WINNING YOUR CASE IF YOU DO APPLY, THERE IS ONE GUARANTEE….. IF YOU DON’T APPLY YOU WILL NEVER GET BENEFITS!
Your Options When Experiencing a Disability
For people experiencing a disability, Social Security has a program in place to help ensure that you still have enough money to live your life. There are two programs under which people receive disability benefits through Social Security:
- The first program is the Social Security disability program. Under this program, you and some family members are eligible to receive benefits as long as you worked long enough and paid into the system. Also, your adult child may qualify for benefits on your earning record as well if they have a disability that started before the age of 22.
- The second program is the Supplemental Security Income program (SSI). Through this program, Social Security benefits to both disabled adults and children with limited income and resources.
Requirements for Taking Disability Benefits
For most people, the requirements to receive benefits under both programs are the same. The process for determining eligibility is the same as well. No matter which program you apply for, you will need to provide information about your medical condition, your work history, and your education history to help determine whether you are eligible for the benefits.
Medical Conditions for SSD Benefits
Depending on the medical condition that you are facing that prevents you from working, you may be eligible for disability benefits under Social Security disability insurance. If you have a mental or physical disability that prevents you from working, our legal team can help you navigate the complex process. Before you apply for benefits, we can advise you on the requirements and the type of medical conditions that make you eligible for disability benefits.
The Social Security Administration has a list of impairments that are recognized as causing a disability when they reach a specific medical point. Your condition, however, does not need to be listed in order to qualify for benefits.
Below is a list of some disability benefits that may qualify you for benefits:
- Multiple sclerosis
- Bipolar disorder
- Cardiac/heart attack
- Cerebral palsy
- Graves’ disease
- Lyme disease
The above list is not exhaustive. You should be aware of the type of medical conditions that can result in benefits through SSDI. Determining whether you qualify for benefits may seem like a difficult task, but our firm is available to help you through the application process.
Take the Quick Social Security Disability Quiz
If you answer yes to these questions, you may be eligible for valuable monthly disability income:
√ Are you unable to work now due to a serious medical condition?
√ Are you treating with a doctor?
√ Have you had tests proving that you have this medical condition?
√ Have you worked enough and paid into Social Security? Or…
√ Do you have low income with few assets?
If you answered yes…you can be eligible for valuable monthly Social Security Income and medical insurance… and we can help you get it!
Simplifying the Process
As the process can be a bit confusing at times, it can be beneficial for you to have an experienced attorney by your side. You have the option to appoint a licensed attorney to represent you in all your business contacts with Social Security.
At Ruch & Shipon PC, our Social Security disability lawyers offer nationwide client services. Although our offices are located in Northeast Philadelphia, North Philadelphia and Cherry Hill New Jersey, you never need to leave home to receive our firm’s SSDI help! Our goal is to help clients in the most simple and convenient manner possible. For that reason, we offer complimentary phone and webcam consultations at your home. After the case evaluation, we can determine which route to pursue.
Along your journey, we can help by strengthening your claim and fighting for your rights. Our team of SSDI attorneys can represent you in court and can draft the necessary paperwork on your behalf. During each step, we are available to resolve the legal issues you are facing.