`Social Security Disability Insurance, or SSDI, is a separate program from the social security insurance that is taken out of your paycheck each week, though disabled persons may also qualify for SSI if they meet income and medical guidelines for coverage. SSI is a benefit received solely by the person earning the credit on their paycheck, and SSDI is a benefit for qualified persons of any age to receive income and medical coverage following a disabling event. The funding for SSI is based on a percentage of earnings, and depends on how long one has worked and their income level. SSDI deductions are static; they come from credits earned while working, regardless of income level. The guideline is one disability credit for each quarter year worked.
The criteria to determine disability is the same with both SSDI and SSI:
The applicant, or parent of the applicant if the applicant is a minor, must have worked on the books for at least five of the previous ten years
There must be a physical or mental impairment that prohibits the applicant from gainful employment
The disability must last, or be expected to last, for duration of twelve months or more prior to the application
Disability insurance isn’t just for people with “visible” disabilities, i.e. those who have obvious physical conditions you can see. Persons with emotional and mental disabilities also qualify, if their condition is severe enough to affect their ability to hold a job. Children with severe learning or physical disabilities can qualify for SSDI under their parents’ credits.
About 60 percent of people who apply for disability are turned down. Applicants who are denied benefits are allowed three appeals. The first appeal must take place within 60 days of denial, and is filed directly to SSI or SSDI. If the reconsideration is denied, there is another 60-day window to file an appeal before a judge at the Social Security Appeals Council. The third and final step in the process is to file an appeal in Federal Court.
If you think you may qualify for SSDI, they are websites such as ssdisabilityapplication.com that can help you with the process. Their representatives know the rules and regulations of application and acceptance for disability insurance, and many of them offer a free consultation to review individual cases and help qualified applicants get the benefits they need.
Brad’s disability practice became so popular that began hiring other knowledgeable Attorneys and assistants. Also developed specialized computer software to help each client’s case get through the process even more quickly. Soon was being contacted by other Social Security attorneys who wanted to know how to begin their own businesses. Brad’s unique method of representation in the Social Security Disability area of law was propelling him into the national market.
It wasn’t long before became a member of several national Social Security Administration committees and was asked to give vital feedback in changes that were about to be implemented in the national Social Security Disability process. Was among the very first to try out these new methods of submitting disability applications, and although has gotten benefits for thousands of clients, Continues to seek out ways to improve the difficult process for each individual.