25% of today’s 20-year-old workers will be disabled before reaching age 67, according to data from the Social Security Administration. Thankfully, Social Security is much more than a retirement program for older workers; it also pays disability benefits based on a person’s work history. With that fact in mind, here are a few important things to know about SSDI or Social Security Disability Insurance.
There’s More Than One Form of SSDI
Generally, when people speak of disability payments, they’re referring to SSDI. This program replaces lost income if a worker with Social Security coverage becomes disabled. Additionally, there’s a program called SSI, or Supplemental Security Income, that’s based on financial need, not the person’s work history. For the purposes of this guide, assume a reference to SSDI.
SSDI Eligibility
To be eligible for SSDI, a person must meet two criteria.
- They must have worked in covered employment for a certain period; the minimum requirement depends on age.
- They must be disabled. Specifically, SSDI is only paid to people who cannot work due to a medical issue that’s expected to be terminal or to last for a year or more.
It’s important to note that a person must be fully unable to hold a job. There’s no such thing as short-term or partial disability payments from the Social Security Administration.
Payment Amount
Just as with a retired worker, a person’s average taxed earnings are used to determine their disability benefits. Generally, the amount a person can expect is a bit less than they would have received had they worked to retirement age. To determine the amount a client may receive, SSDI lawyers in West Chicago would refer to their most recent statement from Social Security.
The Application Process
The claims process is easy, but it’s a bit more complex than that required for retirement benefits. To apply, a client will need the:
- Social Security number
- Birth certificate
- Medical information
- Work history
- Recent tax returns
As one may imagine, the paperwork takes time. Processing an application may take up to five months according to the SSA, and if a person becomes disabled, they should consult an attorney as soon as possible.
SSDI is a great safety net, but it’s not always easy to get. For help with disability claims, consult SSDI lawyers in West Chicago. Call Harold W. Conick & Associates, Ltd. to request a consultation. You can also connect them on Facebook.
