If you are suffering from a disability that prevents you from working you could be entitled to disability benefits through either the Social Security Disability Insurance program or the Supplemental Security Income program (SSDI or SSI). Qualifying for either the SSDI or the SSI can provide you and your family with much needed monetary compensation. If you have not worked recently you may be concerned that this will prevent you from qualifying for benefits. The good news is that you can get disability benefits if you haven’t worked for several years as long as you meet all of the program requirements.
Both SSDI and SSI provide monthly benefits to eligible participants. Both programs are also administered by the Social Security Administration, or SSA. As such, the definition of “disabled” is also the same for both programs. To be considered for SSDI or SSI it must be determined that:
Your work history is not considered for SSI. Eligibility for SSI benefits is based entirely on your status as disabled and on your income. As long as you meet the SSA definition of disabled and your monthly income is below the current limit for SSI you should qualify for benefits.
Your work history does play a role in your eligibility for SSDI; however, you may still qualify even if you have not worked for the last several years. To be eligible for SSDI you must first be considered disabled and then you must meet the “work credits” requirement. Work credits are earned during the course of your lifetime as you earn wages. One credit can be earned each quarter if you meet the earnings requirement ($1200 as of 2014). Your age at the time you apply for SSDI determines how many work credits you need to qualify. Most people will need 40 credits, 20 of which must have been earned in the last ten years. Therefore, it is possible to qualify even if you have not worked in the last few years; however, if your unemployment status has gone on for too long it could impact your eligibility for SSDI.
If you have specific questions about the SSDI or SSI program, contact an experienced Michigan SSDI and SSI attorney.
If you are suffering from an illness, condition, or injury that prevents you from working you could be entitled to Social Security Disability Insurance, or SSDI. If you are approved for SSDI you (and your dependents in some cases) will receive a monthly monetary benefit. While the SSDI program provides much needed benefits to disabled individuals and their families, getting an application approved can be a complex and lengthy process. Getting Social Security Disability Insurance approved can take anywhere from several months to several years, depending on many factors.
The SSDI program is a federally funded and program that is administered by the Social Security Administration, or SSA. Although the programs are similar, it is important to distinguish SSDI from the Supplemental Security Income program, or SSI. Both the SSI and the SSDI program use the SSA definition of disabled which requires you to be unable to engage in any substantial gainful activity because of a medically-determinable physical or mental impairment(s):
The primary difference between the programs is that eligibility for SSDI is based on your past work history whereas SSI eligibility is determined by your income and assets.
Unfortunately, statistically speaking you only have a one in three chance of getting your application for SSDI approved at the initial application level. Furthermore, it typically takes a minimum of three to four months to receive an initial determination from the SSA. It is far from uncommon for an application to take over six months to be evaluated and a decision made as to eligibility. The good news is that is that of you application if approved you will receive retroactive benefits from the date of your application. You may even qualify for benefits for the time pre-dating your application date. Of course, those benefits don’t do you any good while you are waiting for the application to be processed and have no source of income due to your disability. Worse still, if your initial application is denied it could ultimately take over a year to get your application approved through the appeal process.
If you believe that you qualify for SSDI, consulting with an experienced Michigan SSDI attorney before you begin the application process will ensure that the application is properly filled out, thereby increasing your odds of getting the application approved without the need to appeal a denial.
Most of us depend on our ability to work for a living in order to support ourselves and/or a family. What happens though, if you suddenly find yourself unable to work because of a debilitating injury or medical condition? Fortunately, in the United States there are several federal assistance programs that might be able to help. Social Security Disability Insurance, or SSDI, is one of those programs. Only an experienced SSDI attorney in Southfield can review your specific situation and provide you with an opinion as to your eligibility; however, a better understanding of Social Security Disability Insurance in Southfield and the basic eligibility guidelines is a good place to start.
The SSDI program is a federal program that is administered by the Social Security Administration, or SSA. The SSA also administers another similar program, Supplemental Security Income, or SSI. Although both programs offer monthly monetary benefits to eligible recipients, there are some significant differences in the programs. Most notably, SSDI typically provides a highly monthly benefit amount. Therefore, it makes sense to try and get an SSDI application approved before considering SSI.
To be eligible for SSDI you must meet the definition of “disabled” and you must have earned sufficient “work credits”, or be the spouse of someone who did. The SSA defines “disabled”, for purposes of eligibility for SSDI as:
Certain medical conditions presumptively meet the SSA definition of disabled while others require further analysis.
If your condition qualifies as “disabled” you must still have earned enough work credits to qualify for benefits. As a general guideline, you need 40 credits, at least 20 of which were earned within the last ten years. Up to four credits can be earned each year. As of 2014 you earn one work credit for every $1,200 of wages or self-employment income. If you are young when you apply for SSDI the number of work credits required to qualify may be less than the typical 40 required of older workers.
The amount of your monthly benefit will also depend on your work history up to a maximum of $2,642 a month as of 2014. If you qualify for SSDI, your spouse and/or dependent children may also qualify based on your eligibility.
Navigating the SSDI application system can be difficult and time consuming. If you think you may qualify for SSDI benefits, contact an experienced Southfield SSDI attorney right away to assist you with your application.
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