A Guide to Successful Social Security Disability Claims

Million Americans are unable to work due to medical limitations, and Social Security?Disability Insurance was created to provide benefits to these disabled workers and their dependents. Many people have questions and concerns about processing claims and navigating established procedures. It is important to learn as much information as possible before applying to increase the likelihood of a successful outcome.

What is Social Security Disability?

Social Security Disability Insurance (SSDI) is a social security program that dates back to the mid-1930s and the Great Depression. Planners used the early years of the program to create a framework that made a strict distinction between the unemployed and the disabled. After nearly two decades of work, the new plan became law in 1956. The agency’s strict definition of disability still leaves many seeking help with SSDI claims.

Program Rules

As a federal plan administered by the Social Security Administration, SSDI has strict guidelines to ensure benefits to some of the most vulnerable members of society. These rules can differ significantly from a private insurance disability program or from an employer-provided plan. Many private plans offer temporary or partial coverage to protect workers’ wages until they are healthy enough to return to work, while SSDI does not offer this flexibility.

The basic requirement for SSDI eligibility is that the person is unable to work because of a serious illness that has lasted for a full year or is expected to last at least that long or will result in the person’s death. In addition, the situation must prevent work in the field where the employee previously worked, as well as in other fields. Not surprisingly, with such strict rules, the death rate for SSDI beneficiaries is more than three times higher than that of the same age population,

SSDI and Work Credit

Social Security supports the program through payroll taxes paid by workers and individuals. A minimum of 0 credits must be earned to fulfill this requirement. In addition to medical conditions for SSDI, applicants must also have sufficient recent work credits to qualify for benefits. The number of annual points earned varies depending on salary and income, but a maximum of four can be earned for each year of work. The number of recent work points depends on the age of the person at the time of disability.

Lifetime work credits can exceed the

0 credit requirement, but earning extra credits does not affect the amount of SSDI benefit payment received. Earned credits are used only to determine program eligibility and survivor benefits in the event of the beneficiary’s death. Unfortunately, even if workers suffer from a serious illness, they cannot receive SSDI benefits without accumulating the required minimum work credits.

Achieving a Successful Outcome

Each SSDI case is unique and there is no magic formula for achieving a favorable outcome, but steps must be taken to move things forward. Before applying, check the current SSDI guidelines?to see what medical evidence they are looking for and whether your medical records meet those guidelines. Communicating with your doctor and making sure your information reflects the extent of your limitations will also help shape your habit.

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