Social Security Disability Insurance (SSDI) is a federal insurance program that insures workers against severe, long-term disabilities. It is funded by payroll taxes, so if you have ever worked as an employee, you may have paid into this insurance program. A portion of the Federal Insurance Contributions (FICA) taxes that you pay are set aside for this benefit (and others like Social Security retirement). You may have noticed FICA payments listed on your payroll stub each pay period.
SSDI is managed and administered by the Social Security Administration (SSA), an agency of the United States government. The program was established in 1954 and was designed to provide individuals with income in the event they become unable to work due to a disability.
In order to receive benefits under the SSDI program,the Social Security Administration must determine that you are disabled. This is a complex process that London Disability can help you with.
Are you Disabled?
You will generally be considered disabled by the Social Security Administration (SSA) if the following conditions are true:
- You are unable to engage in substantial, gainful activity due to a physical or mental impairment that may result in death or has lasted, or can be expected to last, for at least one year.
- You are unable to execute the requirements of the job you held before you became impaired.
- You are unable to adjust to other types of work because of the physical or psychological impairment combined with your level of education, age, and past work experience.
- The disability is a result of a psychological or physical abnormality that is demonstrated through medically acceptable, laboratory or clinical, diagnostic techniques. .
Filing an SSDI Claim on Your Own Is Risky Business
The good news is that if the Social Security Administration determines that you are disabled and cannot work, you will receive monthly, monetary benefits from the SSA for as long as you remain disabled. However, before committing to the ongoing cost of these payments, the SSA looks very carefully at your condition.
Because the SSA reviews your case with such a high level of scrutiny, and because the bureaucratic process is very complex, the entire experience can be extremely frustrating for those trying to figure it out without the help of a professional.
London Disability is a professional disability advocacy company and can manage your case through this meticulous process.
Social Security Disability Insurance FAQs
SSDI is a disability program administered by the Social Security Administration with benefits funded by Social Security taxes on payrolls and self-employment income. To qualify for benefits, you must be “insured” and disabled.
“Insured” means that you worked long enough at jobs or through self-employment and paid into the Social Security retirement system through the taxes on your wages or self-employment income. If a disability prevents you from working sooner than full-retirement age, you may apply for SSDI benefits.
Temporary or partial disabilities do not meet the definition used by Social Security for the SSDI program. You must have a medically determinable physical or mental impairment that prevents you from engaging in substantial gainful activity. The impairment or combination of impairments must have lasted or be expected to last for at least 12 continuous months or result in death.
A London Disability lawyer can determine whether you have a sufficient work history and disability to qualify for SSDI benefits. Contact us today for a free consultation and claim review.
It can be a challenge to get your application for benefits through SSDI approved. According to the Social Security Administration, only around one-third of applications get approved after the initial determination process. The rest either give up or appeal the denial through a difficult appeals process.
Hiring a disability lawyer from London Disability to represent you relieves you of the burden of navigating through the process on your own. It also may increase the likelihood of a favorable outcome. According to a study conducted by the federal government, claimants with a representative handling their appeal had an approval rate that was three times higher than claimants who did not.
A disability lawyer understands the importance of medical evidence. A lawyer also knows how to present evidence and frame arguments at each stage of the appeals process.
When you need a lawyer or advocate for advice and help to file an application or appeal a denial of SSDI benefits, choose someone who concentrates primarily on Social Security Disability law. This ensures that you have a lawyer and disability advocate who is experienced with the regulations and procedures that control disability benefits through the Social Security Administration.
Cost need not stand in the way of hiring an SSDI lawyer to represent you. London Disability SSDI lawyers work on what is known as a “contingency basis.” It means that an SSDI lawyer will not receive a legal fee for services until approval of your claim for benefits.
When you hire us to manage your SSDI claim for benefits, you receive a written fee agreement that must be approved by Social Security to ensure that it complies with federal regulations. If you want more information about hiring an SSDI lawyer, schedule a free consultation with London Disability.