A Snapshot Of Social Security Disability Insurance

Social Security Disability Insurance or SSDI is a United States federal program, the objective of the program is to pay a monthly sum to those who can prove that they are either physically or mentally disabled and the disability is expected to last more than one year or result in their death. To be eligible for SSDI you must have worked and paid into the system through payroll taxes, you must have sufficient work credit, you must not be able to do any meaningful work and the disability must meet the accepted definition of the Social Security Administration. These and other rules makes it difficult to make a successful application for benefits, the result is that many people turn to a Social Security lawyer in El Monte.

How to become eligible for SSDI:

Social Security not only is a program applicable to the disabled, it is also something that provides a monthly benefit to those who are retired. Getting retirement benefits is straight forward; this however is not the case when applying for disability benefits. To apply the applicant has to have worked long enough to accumulate enough “work credits”, it is possible to earn four credits a year and the applicant needs 40 of them to apply, as well as that, 20 of the credits must have been earned in the ten year period leading up to the disability application. If the applicant has not accumulated these 40 work credits the alternative is to apply for SSI, a program based on income not work but it does have significant limitations placed on who can avail of the program. If you are disabled and harbor doubt as to where you stand it is best to consult with a knowledgeable social security lawyer in El Monte.

Medical eligibility:

Having enough work credits is but one hurdle to overcome; having a disability that is recognized by the Social Security Administration is another. The eligible disabilities are specified in the SSA Blue Book, the disability must be severe, expected to last at least a year or thought to be fatal.

   *   A severe disability is one which interferes with your work
   *   Long term means one year at least
   *   Total means that you cannot perform any gainful activity

Approval of benefits:

The application is very complicated; it is wise for the disabled individual to hire a seasoned Social Security lawyer in El Monte. If you are approved on the first application you will be among the minority as most applicants are denied benefits but the lawyer can be of tremendous assistance when it comes time to appeal the denial of benefits.

For more information visit the site LawNJH.com.

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