Social Security Disability Insurance (SSDI): Basics To Filing A Claim
What Is Social Security Disability Insurance (SSDI)?
Social Security Disability Insurance is an insurance policy that you’ve paid into via your FICA taxes for all the years you worked. The monetary support you receive through Social Security disability benefits continues until you’re able to return to work on a regular basis or until retirement age, when it automatically converts to retirement benefits.
Basics About Getting SSDI Benefits
The Social Security Administration (SSA) reviews your work and medical history to determine if you qualify for Social Security Disability Insurance benefits.
Do I Qualify for Benefits?
- Have a medical condition, illness or injury that prevents you from working for 12 months or is terminal.
- Meet the definition of disabled under SSA rules.
- Have worked 5 of the last 10 years in jobs where you paid FICA taxes.
- Are at least 21 and have not reached full retirement age.
How Do I Claim SSDI?
To get Social Security Disability Insurance benefits, you must apply to the SSA. The initial application and the detailed information you provide are critical to getting benefits early. You can complete the application on your own, or have a disability representative like Allsup fill it out for you.
The SSA reviews applications to determine whether you qualify for monthly Social Security benefit payments. This sounds simple, but you must have medical evidence and documentation to prove you meet the legal definition of disabled, and carefully complete the forms because it’s possible to make simple mistakes that could lead to denial.
The year you were born
For SSDI, you must be younger than your full Social Security retirement age.
Your average annual income
Enter your average for the last 10 years, up to $120,000
Am I Qualified To Apply For Disability?
The SSA looks at medical and work history to determine who qualifies for SSDI benefits. Generally, to qualify for SSDI, you must:
Be between 21 and full retirement age
Have worked at least five of the last 10 years and paid FICA taxes during that time
Be unable to work in any capacity because of a mental or physical impairment that’s expected to last at least 12 months or result in death
Be under the care of a healthcare professional who can confirm severity of medical condition(s)
SSDI Is Your Gateway To A Range Of Benefits And Income
Approval for Social Security Disability Insurance unlocks access to money-saving, life-enhancing benefits beyond regular monthly income.
You’re eligible for this medical, hospital and prescription drug coverage 24 months after your SSDI benefits begin.
The length of your COBRA benefits could be extended an additional 11 months.
If you have private long-term disability (LTD) insurance, it probably requires you to apply for SSDI. Doing this can protect LTD benefits.
Approval for SSDI triggers a Social Security earnings record freeze that can result in a higher retirement income.
SSDI approval can activate benefits for your children under the age of 18, adding up to 50% more income to your monthly payments.
The SSA evaluates cost of living allowances annually, which could increase your monthly payment.
You may not have to pay income taxes on a portion of the SSDI benefit payments you get each month.
Return to Work
There are incentives if you return to work: free help from a certified Employment Network, protection to work and receive SSDI benefits, and more.
Your Medical Diagnosis And Getting Disability Benefits
Federal Or State?
Social Security Disability is a federal program. However, claims are first reviewed by SSA-funded state offices, so some administrative processes may vary based on where you live.
How Long Does It Take To Get Social Security Disability Insurance Benefits?
Unfortunately, the Social Security disability application and appeals process can mean lots of waiting, so make it your goal to get approved as early as possible in the process.
Give careful attention to initial application forms, whether you work on them alone or with Allsup’s help. Also consider taking a FREE assessment before you fill out a single line on your application, to ensure the time you invest in the SSDI process is well spent.
Good to Know
There is a 5-month waiting period for benefits, this is a big reason to apply as soon as you believe you’ll be out of work for 12 months.
Where Are You In The Social Security Disability Process?
There are five different levels in the SSDI process. Working with Allsup from the start, gives you a 23% higher chance of getting approved when you initially apply. This will save you months of waiting for a decision and gets monthly benefit money in your hands much sooner than applying on your own.
Steps of the SSDI Process
Check out your eligibility for SSDI when you first apply or move forward with an appeal, and find an expert advocate to represent you.
Don't Go It Alone. Choose Allsup To Navigate The SSDI Process For You.
With our decades of experience and record of success, Allsup delivers True Help. to all our customers. You can see by the chart below that our service far exceeds applying on your own. Do you really want to trust your SSDI journey to anyone else?
|A personal representative that assists you with your claim.||Represented more than 350,000 people nationwide to receive their SSDI benefits.||Includes help with Medicare choices.||Offers support for return to work.||Online tool that streamlines the process.||Assistance with appeals.||Advocates with SSA on your behalf.|
|Applying on Your Own|
Expert Help For SSDI From Allsup
When a disability changes your way of life, choices can be overwhelming. Allsup can make one decision easier. When you need disability assistance, you need an expert.
At Allsup, we’re here to help you find out if you’re eligible for Social Security Disability Insurance benefits. Approval for SSDI unlocks regular monthly income, Medicare and other life-enhancing benefits.
Why Allsup? We have helped over 375,000 people get their benefits in nearly 40 years. Our specialized services get results for people with disabilities, so put Allsup to work for you. Increase your chances of success and get your benefits faster.
Return To Work? Protect Your SSDI Benefits While You Work
Learn more from our Founder Jim Allsup about the incredible financial value of the Ticket to Work program (TTW), and how our experts can help you get started for free. If you’re currently receiving Social Security Disability Insurance (SSDI), you can protect your SSDI and Medicare benefits while returning to work.
Want To Find Out More About The SSDI Process?
Our founder and CEO Jim Allsup literally wrote the book on SSDI. Download his FREE eBook today!