If you live in the United States, you have a one in four chance of becoming disabled by the time you turn 67. Since earning an income is essential to survive, the loss of it can be devastating to you and your family. That’s where Social Security Disability Insurance (SSDI) steps in.
The SSDI fund is generated by taxes on employees and employers. A portion of your income is withheld from your paycheck, and employers also pay a percentage of your wages into SSDI. Should you become disabled and apply for SSDI benefits, that pool of money will be used to provide your monthly checks; in order to receive SSDI benefits, you need to have paid into the system over a number of years.
To avoid confusion, talk to a trusted SSDI attorney if you become disabled. The application process can be convoluted, and you want to put your best foot forward. One of the more difficult aspects to prove on an application is that, because of your disability, you are unable to do any kind of work, not just the work you used to do. You also need to provide thorough medical records and update them frequently, and an attorney can help make that a seamless process.
The review of your claim can take many months, and claims at the initial stage are often denied. Thus, you will likely need help filing a request to have your claim reconsidered, which will, hopefully, result in a hearing in front of an Administrative Law Judge. He or she will then reevaluate your claim and determine if you are eligible for benefits. If you are approved, continue receiving and documenting your medical treatment because your claim will be periodically reviewed to see if your condition has changed.