How To Qualify For Social Security Disability Benefits

Social Security disability insurance, more often simply called “SSDI” is a Federal Government program that provides certain benefits to retired workers as well as those people who have yet to reach retirement age but find themselves suffering a physical or mental disability and not able to work.

How to qualify:

Disability law in Garden grove is that which establishes the “bar” over which individuals must hurdle if they expect to be granted SSDI. The law demands that the applicant has to have worked for so many years, depending on age, and to have accrued a specified number of work credits. The maximum number of work credits that anyone can get in a year is four; it is this that establishes the number of years an applicant must have worked to claim benefits. If you fail to meet this test you can avail yourself of SSI, Supplemental Security Income instead but the monthly benefits are considerably lower and the beneficiary of SSI must meet certain rules when it comes to assets.

As noted, the number of credits that an applicant must have to meet the disability law in Garden Grove is dependent upon the age of the individual when he or she became disabled. For example, a person who becomes disabled between the ages of 21 and 24 needs six credits which indicates he or she must have worked and contributed via FICA for one and a half years, a person who becomes disabled at 50 must have 28 credits which indicates seven years of work; five of these years must have been in the last 10 years.

Having sufficient work credits is one thing; disability law in Garden Grove also demands that the disability meet the criteria that are laid down in the Social Security “blue book.” SSDI benefits will only be grated to those applicants who are severely disabled, disabled for the long term which means one year or more or totally disabled. 

Approval for benefits:

Once your application has been approved, either on the first submission or after a successful appeal your benefits will begin five full months after meeting the eligibility requirements.

In the greatest majority of cases the applicant’s initial application will be denied meaning that he or she will have to appeal the decision, this being the case the applicant may be looking at upwards of 18 months or more. When the application is finally given approval the disability payments are backdated to the sixth month after the onset of the disability.

Once the back-payments have been received the claimant can expect a check every month. The monthly payments continue until such time that the disability no longer stops you from returning to work; you will be subjected to periodic checks by the SSA to ensure that your disability is such that you still can’t work. Browse the site for more information.

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