First Time Application
Applying for Disability Benefits? Let us Help
The Social Security Disability process can seem overwhelming, especially if you are trying to navigate the system while you are ill or injured and worrying about how your family will survive without your income. Submitting an application without the proper supporting documentation or other mistakes can lead to a denial of your claim. In fact, 65% of initial applications are denied, as are 91% of applications submitted for reconsideration (the first-level appeal).
Understanding Social Security Disability Insurance
Social Security Disability (SSD) is a federally run program that provides financial benefits to individuals who are unable to work due to disability or illness. SSD benefits are paid only to individuals who suffer a total disability – no benefits are made to individuals who are only partially disabled, or whose disability is considered short-term. So what is total disability? Any illness or disability that is expected to last more than 12 months, or is expected to result in the applicant’s death, is considered a total disability.
- There are two types of disability programs. Both provide financial benefits to individuals unable to work as a result of their disability but, aside from the disability requirement, each has different eligibility requirements.
- Social Security Disability Insurance (SSDI): SSDI is funded through employee workplace contributions. In order to be eligible for SSDI, applicants must have worked a specific number of quarters within a specific number of years, in addition to being disabled. The work requirements vary depending on the applicant’s age and employment history.
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- Supplemental Security Income (SSI): SSI is limited to disabled individuals, the blind, or applicants age 65 and older, whose income and resources falls below a certain threshold, and/or do not meet SSDI work requirements. The amount of income and resources an applicant may have and still be eligible to receive SSI changes each year.
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The SSDI Application Process
The application is the first – and most critical – step in the SSD process. How it is completed, and how it is filed, can mean the difference between immediate approval or a denial that requires the applicant to go through the appeals process.
The Application
Each SSD claim begins with the application, which can be completed in person at your local disability determination field office, through the Social Security Administration’s (SSA) online application process, or over the phone. The specific circumstances of your case will dictate which application method is right for you.
Medical History
Central to your SSD application is providing documentation of your disability. The SSA maintains a list of more than 100 disabling conditions. There are very strict criteria an applicant must meet in order to be found to have one of these conditions. It is not enough to have your doctor or other medical provider submit a letter stating that you have a disability. Depending on the condition, the SSA may require the submission of MRIs, X-Rays, CT scans, genetic testing, or other specific tests that verify the severity of the disability. Submitting the wrong information can result in your application being denied and having to start the process over again.
Employment History
Because eligibility for SSDI is also dependent upon the applicant’s work history, it is important that you provide complete and accurate information regarding your employment history. Omitting any portion of your work history, no matter how minor, may mean the difference between approval or denial of your application.
Financial History
If you are applying for SSI, you will need to submit information on your income and resources. The amount of monthly income an SSI applicant may receive and still be eligible for benefits changes each year. The resource limit is $2,000, though are certain assets that are not included as a resource for SSI purposes. An experienced SSD attorney will review your finances and help determine whether you meet SSI’s financial eligibility requirements.
Don’t let mistakes derail your SSDI application
With two-thirds of all first-time applications for SSD denied, it is important that your SSD application be complete and accurate from the get-go. Denial of your application means a delay in receiving vital benefits for you and your family as you go through the lengthy appeals process. Our attorneys handle only SSD cases, so we know what information is most likely to result in your application being approved. Hiring an attorney before you file your SSD application can significantly increase your chances of approval, which means you can stop worrying about your finances and instead focus on your health.
Disability Law FAQ | Recent Articles and Videos
Applying for Disability Benefits: What You Need to Know
Struggling with your Social Security Disability application? Discover the pros and cons of the four main application methods to find the best fit for you. From in-person appointments to online forms, understand the pitfalls and advantages of each. Learn why choosing the right method can make all the difference in your application's success. Watch our detailed guide now and turn your application process from daunting to doable!
Crucial Tips for Social Security Disability Hearings
Are you gearing up for a Social Security disability hearing and feeling unsure about what to expect? Don't fret! We've compiled a concise guide packed with expert strategies to help you navigate the process with confidence and secure the outcome you deserve. Check out this short video to learn more.
What Do You Need to Know About Social Security Disability Work Credits?
Confused about how work credits determine your eligibility for Social Security Disability Insurance (SSDI)? Our new video demystifies work credits, breaking down what they are, how much you need, and why they're crucial for your SSDI case. Whether you're under 24 or over 31, learn the specific requirements that apply to you. Get insights on how to ensure your work history works in your favor, opening the door to the benefits you need. Watch now and take the first step towards securing your SSDI benefits with confidence!
What Is A Consultative Exam In The SSD Application Process
You provided the Social Security Administration (SSA) with detailed medical records from your treating physician as part of your Social Security Disability application. The information contains a medical source statement, statement of diagnosis, medical and treatment notes, and laboratory tests and other imaging that supports your disability. Why then is the SSA requiring that you undergo a consultative exam? What exactly can you expect during one?
The Role of Age in Eligibility for Social Security Disability Benefits
Are you or someone you know dealing with a Social Security disability case? Today, we’ll go over the crucial role age plays in determining eligibility. From age categories to the dynamics of retirement and disability benefits, we break down the essentials you need to know. Don't miss out on valuable insights. For more info on navigating the complexities of your case, watch this short video.
Mental Disorders and Obtaining Social Security Disability Benefits
Do you have an upcoming mental disability case? Winning these cases can be difficult, since you can’t rely on biological evidence to make your case. That’s why today, we’re explaining what factors judges look for in mental disability cases. First, you need a track record of seeing both a psychiatrist for medication and a therapist for regular treatment. To learn more, check out this video.
The Road to SSDI Benefits: How Work History Impacts Your Disability Claims
Are you wondering how your work history impacts your SSDI benefits case? Discover how your professional past impacts your eligibility and explore the age-based categorizations that could influence your case. To learn more about the impact of your work history on your SSDI benefits case, watch this short video.
Navigate Your Social Security Consultative Evaluation Confidently: Top Tips for Disability Applicants
Are you feeling anxious about your upcoming consultative evaluation? Let us guide you through expert tips to ease your worries and maximize your chances of success. From listing your medical history to navigating assistive devices and handling unforeseen challenges, our advice is your key to confidence. Discover why immediate medical attention is critical and how proper documentation can make or break your case. To learn how to prepare for your consultative exam, watch this short video.
Your child can also collect SSD if you are disabled
Many Illinois parents who live with disabilities may struggle to provide for their children. Fortunately, if disabled parents are eligible to receive Social Security Disability benefits, their children can also qualify for SSD benefits. These dependent’s benefits may continue until a child turns 18. If a child meets certain criteria, benefits may even be available after that point.
