According to the Social Security Administration, one quarter of the 20-year-olds today will be disabled before they reach the age of 67. That means that even if you plan to work until retirement age, it’s possible you will not be able to. That’s where Social Security can help. There is a program that pays disability based on your work history, which can be a huge benefit if this happens to you. However, there are a few other things you need to know.
Two Types of Disability Insurance
When you speak to your Bartlett Social Security disability lawyer, you may be surprised to find out there are two different types. The first is called Social Security Disability Insurance (SSDI) and is designed to replace your lost wages if you are covered by Social Security and become disabled. The other type is called Supplemental Security Insurance (SSI) and is based on need rather than income. Today we’ll be referring to SSDI.
Eligibility for Disability
There are two criteria that you must meet to quality for benefits. The first is that you have been employed somewhere that is Social Security covered for a specific amount of time. The amount is based on your age. This number can be as low as a year and a half for workers who become disabled young and as high as almost 10 years for those disabled after the age of 60.
Additionally, you must have worked for a certain period of time directly before disability. For someone who is 35 and becomes disabled, you will have to have worked for at least five of the last 10 years before you become disabled.
The application process itself is somewhat easy, but it’s also easy to make mistakes. This is why having a Bartlett Social Security disability lawyer is crucial. You will need to have your birth certification, Social Security number, medical information, work history details, and your most recent W-2 or tax return to apply. After applying there are additional forms to fill out for both you and any healthcare providers you use. The process can take months so applying quickly is recommended.
A disability lawyer can assist you with the paperwork needed to file, as well as meetings and other requirements after you have submit the application. Harold W. Conick & Associates, LTD are skilled in this process and would be happy to provide you with a free consultation.