Essex County Social Security Disability Lawyer

Social Security Disability Insurance (SSDI) is a crucial safety net for individuals unable to work due to a disabling injury or condition. Understanding how SSDI works, who qualifies, and how to apply can be complex but essential for those in need.

What Is Social Security Disability Insurance (SSDI)?

SSDI is a federal disability insurance program that provides disability income to individuals who are unable to work due to a severe and long-lasting disability. It is designed to replace lost income for those who are unable to engage in substantial gainful activity (SGA) due to their disability.

Who Qualifies for SSDI?

To qualify for SSDI, individuals must meet the following criteria:

1. Work Requirement: Applicants must have worked in jobs covered by Social Security, earning enough work credits. Work credits are earned based on your annual income and the number of years you have worked.
2. Disability Requirement: The Social Security Administration (SSA) considers you disabled if you cannot work due to a severe medical condition that has lasted, or is expected to last, at least one year or result in death.
3. SGA Limit: In 2024, the monthly SGA limit is $1,350 for non-blind individuals and $2,260 for blind individuals.

How to Apply for SSDI

Applying for SSDI involves several steps:

1. Check Eligibility: Use the SSA’s online screening tool to see if you qualify for benefits.
2. Gather Documents: Collect necessary documents such as medical records, W-2 forms, and other information related to your disability and work history.
3. Apply Online or In Person: You can apply online at the SSA website or schedule an appointment at your local SSA office to apply in person.
4. Wait for a Decision: The SSA will review your Initial Claim application and medical records to determine if you qualify for benefits. This process can take several months, and is done with the assistance of Disability Determination Services.
5. Appeal if Denied: If your Initial Application is denied, you have the right to appeal. You can Request for Reconsideration, or if your Request for Reconsideration was denied, a Hearing before an Administrative Law Judge, and further appeals if necessary.

What Happens After Approval?

If your application is approved, you will start receiving monthly benefits. These benefits are calculated by the Social Security Administration and based on your average lifetime earnings covered by Social Security. You may also be eligible for Medicare benefits (health insurance) 24 months after your date of entitlement of SSDI benefits.

SSDI benefits provides vital financial support to individuals with disabilities, helping them maintain financial stability and access to necessary medical care. Understanding the eligibility criteria and application process is crucial for those in need of assistance.

For a free legal consultation regarding your SSDI claim, please reach out online here, or call Chisholm Law at (978) 703-0300 to speak with Eric today.