Social Security Disability Benefits (SSDI)

Social Security Disability Benefits (SSDI)  is not something you plan.   Disability is more common than you might suspect. Studies show that more than 25 % of 20-year-olds will become disabled before they reach 67. Social Security Disability Benefits (SSDI) can offer you a safety net in the event that you become disabled and can no longer work. Who Qualifies for Social Security Disability Benefits (SSDI)? Before you are able to qualify for Social Security disability benefits, you must have held jobs that were covered by Social Security.  You must have a disability that has lasted or is expected to last a year or more. You must not be able to do your past work.  You must not be able to transition into new work. Besides meeting the definition of disability, a person must have earned enough credits  to qualify. You obtain credits by working.   Credits are earned based on how much total yearly income a person makes and a person can earn four credits a year. The amount needed to earn a credit changes each year.  In 2015, you earn one credit for each $1,220 earned. After you’ve earned $4,880, you’ve acquired your four credits for the year. Generally, someone needs 40 credits to qualify with at least 20 of them earned in the last 10 years. Younger workers may get benefits with fewer credits. How to Apply for Social Security Benefits and Get Approved As soon as you become disabled, you should apply for benefits. You can file on your own. Also a lawyer can help you apply.  If you choose to file on your own, you can complete your application online or call 1-800-772-1213. The hearing impaired are invited to call TTY1-800-325-0778. Before you apply for social security disability benefits, you will need to prepare. You will need your Social Security number and proof of age.  You will need all medical information pertinent to your disability, a summary of where you worked, a summary of what you did at each job, and and your recent W2 or tax return if self-employed. If approved, you will receive your first disability payment a full six months after the day your disability started. The amount of money you receive depends on the lifetime average earnings that has been covered by social security. When you apply for Social Security disability benefits, you can increase your chances of approval.  Chances are improved if you have a lawyer who knows the process.   A lawyer knows the judges.  Please contact us today if you or your family member has become disabled.