Learn 4 Important Aspects About Social Security Disability Insurance

The United States has Social Security Disability programs to support and improve the lives of those living with disabilities. The programs for Social Security disability benefits are the most extensive Federal plans that aid people with disabilities.

These two programs are the Social Security Disability Insurance (SSDI) and the Supplemental Security Income. Applicants of either program must provide any necessary medical and other types of information such as work history to meet the agency’s definition of having a disability and qualify for benefits.

Out of these two programs, the Social Security Disability Insurance is meant to support individuals who have worked for a minimum amount of time and are, therefore, “insured” to receive benefits.

For this reason, only applicants that have paid Social Security taxes will qualify for SSDI benefits. Applicants may appeal a denial online or by contacting their local Social Security Office if the SSA denies their Social Security Disability application for medical or non-medical reasons. 

To learn more about Social Security Disability Insurance, the program’s benefits, requirements and additional assistance, prospective applicants can read the complete information below. 

1. Learn About Social Security Disability Benefits

The Social Security Disability Insurance benefits provide coverage for disabled individuals that meet the minimum work requirements and have paid Social Security taxes.

Different from Supplemental Security income, this Social Security Disability benefits program has income requirements along with disability eligibility guidelines.

Based on the applicant’s work and his or her family’s information, individual members of the applicant’s family may also be eligible for benefits under SSDI.  

2. Find Out About Social Security Disability Requirements

The Social Security Disability program applicants must have worked in jobs covered by Social Security.

Applicants must work a minimum amount of time depending on their age to receive Social Security Disability insurance for them and their families.

Generally, the older an applicant is, the more time they must have worked while paying SS taxes.

Additionally, applicants must suffer from a medical condition to meet the social security disability requirements outlined in the program’s guidelines.

At this point, candidates must be able to provide the necessary documents to prove their disability. Relevant information regarding an applicant’s medical condition includes:

  • When the condition began.
  • How the medical condition limits the applicant’s activities.
  • Results from medical examinations and treatments. 
  • Patients ability to perform regular work-related activities like walking, carrying and remembering instructions. 

Furthermore, it is not up to doctors to decide if a patient meets or not the Social Security Disability Requirements when a candidate applies for benefits.

The Social Security Administration makes the decision of eligibility based on how the applicant’s information meets the program’s guidelines. 

Applicants can revise the Social Security Disability list of impairments to see if their disability qualifies them for benefits. Part A of the listing includes the impairments for applicants that are 18 years of age or older.

On the other side, Part B of the Social Security list of impairments has detailed information on qualifying disabilities for applicants younger than 18 years of age.

Furthermore, Social Security Disability applicants who have disabilities not listed on Part A or B are not necessarily disqualified to receive benefits.

At this point, applicants must look to satisfy additional requirements to receive Social Security Disability benefits.  

3. How to Apply for Social Security Disability Insurance

Candidates can apply for Social Security disability benefits online or by calling the Social Security Administration toll-free number.

By calling the Social Security phone number, individuals can set an appointment at their local SSA office for them or someone that helps them to file a disability claim.

At the SSA office, applicants must complete an interview that lasts around an hour and may request for a disability starter kit that helps them prepare for their meeting.

The Social Security Disability application requires that applicants provide their necessary information along with other forms. The information that the SSA requires includes:

  • The applicant’s Social Security Number.
  • Birth certificate.
  • Contact information including names, addresses and contact information of third parties.
  • Work history information, including a copy of the most recent W-2.
  • Information about the medicine the applicant takes, including dosage records.

Applicants whose Social Security Disability Application is denied can appeal the decision by filing an appeal request online.

Applicants must contact their local Social Security Office to request a review when the SSA denies the Social Security benefits application for benefits due to non-medical reasons.  

4. About Social Security Disability Insurance Assistance

Applicants have the right to have a Social Security Disability attorney present at the time of their interview and other steps in the claim process.

However, all Social Security Disability lawyers must only use one channel of communication to submit all an applicant’s documents.

Candidates and their representatives may submit documents online, via mail or fax. Furthermore, applicants must file a written appointment of their representative with the SSA.