SSDI benefits can provide much-needed financial assistance to those who are unable to work due to a disability. However, applying for Social Security Disability Insurance (SSDI) benefits can be very daunting, but it doesn’t have to be if you know how to go about it.
In this article, we will walk you through the application process step-by-step, from understanding the eligibility requirements to knowing how to set up a Social Security Disability Insurance (SSDI) application.
What Is Social Security Disability Insurance?
Social Security Disability Insurance (SSDI) is a federal insurance program that provides financial assistance to those who are unable to work due to a disability. The Social Security Administration (SSA) manages and funds the program through payroll taxes.
You and certain family members can access SSDI benefits if you have worked long enough, paid the social security taxes on your earnings, and are insured.
The Social Security Administration (SSA) provides benefits through the Social Security Disability Insurance (SSDI) program to people who have a disability and limited resources and income. The SSDI offers varying benefits, depending on how much you have earned in the past.
Eligibility Requirements for Social Security Disability Insurance
According to the Social Security Administration (SSA), you need to meet the following requirements to qualify for benefits. They are:
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Disability
Getting Social Security Disability Insurance (SSDI) benefits requires meeting the Social Security Administration’s definition of disability which includes having a severe impairment that prevents you from doing any substantial gainful activity.
The SSA defines disability as the inability to engage in any substantial gainful activity because of any medically determinable mental or physical impairment that is expected to last for at least one year or result in death.
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Duration of Disability
To qualify for SSDI benefits, you must have been disabled for at least 5 months, regardless of the disability. This helps SSA ensure that your disability is long-term or permanent, and not just a short-term condition.
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Medical Evidence
All individuals must provide medical evidence to support their claim of disability, such as medical records, lab test results, and reports from doctors. The SSA will review this evidence to determine how impairment affects your ability to work.
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Work History
To receive disability income benefits, you must have worked and paid into the Social Security System for a certain period, called a Quarter of Coverage. The number of quarters of coverage you need depends on how old you were when you became disabled.
How to Set Up the Social Security Disability Benefits Application
To increase your chances of getting approved for Social Security Disability benefits in one go, be prepared. Provide the following to the SSA:
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Social Security Number
When you apply for Social Security Disability Benefits, provide your Social Security Number. To help SSA verify your identity and connect your application to your earnings record.
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Birth Certificate
Provide your birth certificate or other valid proof of birth to verify your age and identity. Your passport is a great alternative for this as well.
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Past work history
Provide information about your past employers’ names, addresses, and the dates you worked for them. If you are self-employed, provide records of your self-employment income.
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Medical Records
You can either attach documents of your medical condition including test results and treatment records, or you can request SSA to arrange a medical examination for you.
Wrapping Up
The Social Security Disability Insurance (SSDI) application process can be complex or overwhelming but by gathering the necessary information and being thorough, you can rest assured that your claim will be processed smoothly and efficiently.