About Social Security Disability Insurance
Most people think of Social Security as a mandatory financial safety net for Americans that is administered by the U.S. Government. The general assumption is that Social Security is there for when you retire or get past a certain working age. And while Social Security does serve that purpose, the program has other functions as well.
Social Security also exists to offer financial help to Americans who have been injured or become disabled for medical reasons and who find themselves unable to maintain any employment. This is called Social Security Disability Insurance. And just as regular Social Security provides supplemental income to older Americans when they stop working, Social Security Disability Insurance prevents injured and disabled Americans from having no source of income because they can’t work at all. But there are some major differences between qualifying for Social Security Disability Income or Social Security Retirement Income. In order to qualify for Social Security Retirement, all you have to do is turn 65 and have paid into Social Security during your working life. Qualifying for Social Security Disability Insurance is a different matter entirely.
When a disabled American worker qualifies for Social Security Disability, it often means that this person will be receiving disability payments for the rest of their lives. It is for this reason that the Social Security Administration is very precise and very selective when it comes to determining who qualifies for disability insurance and who doesn’t. These standards prevent people with sprained ankles from claiming that they will need government assistance for the rest of their lives, which, believe it or not, happens more often than you would think.
The standards for qualifying for Social Security Disability are as follows:
· You have to be totally disabled. Partially disabled is not enough to qualify.
· “Disability” is based on an inability to do the job that you had before.
· It is also based on an inability to do any other work due to your medical condition.
· Your disability has lasted at least one year, or is expected to result in your death.
Bear in mind that these are the standards in the broadest sense. There are all sorts of other deciding factors that need to be determined. And generally speaking, what most newly seriously disabled people need when attending a Social Security Disability insurance hearing is the assistance of an experienced Social Security Disability attorney.
A very high percentage of initial applications for SSDI are denied. These are denied for any number of reasons, including incomplete forms, missed deadlines or lost paperwork, but many of them are also denied because the applicant didn’t understand the importance of the process and didn’t do a very thorough and complete job of stating his or her case.
This isn’t anything to be ashamed of. The process can be long and confusing for anyone, much less those who have been through a severe and life changing disability or injury. Having an attorney who understands the disability standards, knows the paperwork and has experience getting a claim approved at Reconsideration, or attending the disability hearings can make all the difference between being approved for Social Security Disability Benefits and getting denied your SSDI benefits leaving you without any government assistance at all.
Another reason for having an experienced Social Security lawyer is that at some point, your case will probably be heard by an administrative law judge. Just as it would be foolish to walk into a court room with no legal representation, it would be equally foolish to have no one on your side in a Social Security Disability Hearing.
Having an attorney to both organize your data and present your case at a hearing makes an enormous difference, particularly if you live in an area with an administrative Judge who is less likely to grant favorable outcomes. If you look at the data from the Social Security Administration website, you can see for yourself that some administrative Judges are not in the habit of offering fully favorable verdicts for those who apply for Social Security Disability benefits. Those who were lacking an experienced Social Security Disability Attorney almost certainly fell into the total denial category.
At Greenberg and Bederman, our Social Security Disability lawyers have specific experience in helping the disabled get their rightfully earned Social Security Disability payments. If you or a loved one in Maryland, Washington, D.C, or Virginia have had their initial SSDI application denied, contact Greenberg and Bederman for a free review of your social security disability application process today.
To learn more about social security disability benefits please read our social security disability FAQ or watch our videos on youtube.