Social Security Disability Insurance, or SSDI, is a program designed to provide benefits to people who are unable to work because of a chronic illness or medical condition. If you qualify for SSDI, you will receive a monthly benefit based on the amount of money you have paid into Social Security, as well as other factors. However, even if you are disabled, qualifying for SSDI can be challenging.
SSDI is funded by payroll deductions paid to the Social Security Administration. It is available only to applicants who can show that they have a disability that prevents them from being able to earn an income by working. Specifically, you must show that:
- You have a chronic illness or condition that is expected to last for at least 12 months or end in your death.
- You can no longer do your previous job.
- You cannot do any other type of job.
- You have accumulated enough credits by working to qualify for benefits.
The Application Process
To apply for disability benefits, you must complete and submit an application to the Social Security Administration. You can complete this process over the phone, in person or online. After your application has been processed, the Social Security Administration will send its decision to you by mail. Unfortunately, the Social Security Administration denies nearly 70 percent of all initial applications.
If your initial application is denied, you can submit a request for reconsideration. Your application will be evaluated a second time, and the Social Security Administration will mail you another decision. If your application is denied a second time, you can request a formal appeal hearing. During this hearing, you will have a chance to appear in court, present evidence and attempt to convince the judge of your need for SSDI benefits.
After your hearing, the judge will issue a decision in writing. If your application is denied once again, you can request a review from the SSA Appeals Council. If the Appeals Council upholds the judge’s decision, you can file a claim in federal court.
Supplemental Security Income
Supplemental Security Income, or SSI, is often confused with SSDI. However, unlike SSDI, SSI is funded by general tax revenues. This benefit is available to anyone who has low income and is elderly, blind and/or disabled. The purpose of this benefit is to provide the funds needed to pay for shelter, clothing, and food. Depending on your circumstances, you may be able to collect SSDI and SSI simultaneously.
How Disabilities Effect Benefits
Click on each section below to see how each disability is effected by benefits. Remember, each case is different so if you believe you qualify for SSI or SSDI benefits, be sure to contact us for a FREE consultation.
- Heart Attack
- Respiratory Impairments
- Substance Abuse
- Spinal Impairments
- Mental Illness
- Rheumatoid Arthritis
SSI Disability Benefits
If your application is approved, you will receive a maximum monthly benefit of $808 if you are single. The maximum for a couple is $1186.
SSI Disability for Children
There may be SSI benefits for children from birth to age 18 or age 22 if they are regularly attending school. The requirements for a child to be eligible for benefits are similar to those for an adult.
SSI & SSDI Stats and FAQs
Our case victories in the U.S. Court of Appeals in Social Security Cases.
Hiring an Attorney
The process of applying for disability can be complicated. In order to maximize your chances of approval, you will need to collect and submit medical evidence to support your case. You must also comply with all of the Social Security Administration’s deadlines. If you miss a deadline, you may lose benefits and/or be forced to start the process over. Because of all of these requirements, many applicants choose to hire an attorney.
The law protects SSDI claimants by limiting the amount an attorney can charge for his or her services. Under federal law, an SSDI attorney cannot charge more than the lesser of $6,000 or 25 percent of your SSDI back pay. Thus, you can hire an attorney without worrying that you will be overcharged. In most cases, you won’t owe anything to your attorney unless you win your case.
If you are planning to file for Social Security Disability benefits, or if you have already received a denial, please contact Schneider & Palcsik to learn more about your options.