People often erroneously associate Social Security only with the elderly or with the deduction taken out of their paycheck. While Social Security is paid out to retired individuals that have paid into a fund throughout the duration of their career, it is not a “need-based” program like Social Security Disability Insurance (SSDI). SSDI is a benefits program available for individuals that have become permanently disabled and are no longer able to work to make a living.
Applying for Social Security Benefits
Applying for Social Security disability benefits can be a lengthy and sometimes confusing process. First, an applicant must determine if they are even eligible to apply. Though the requirements can get quite specific, generally, to be eligible, you must be unable to work due to an illness or injury that is expected to last a year or longer. Not everyone is eligible on this fact alone. An individual must also have a minimum number of “Social Security Work Credits”. These credits are earned through your working years and your eligibility and the amount of benefits you can receive will be largely based on the amount of credits you have earned..
If you do qualify to receive SSDI, you will begin receiving payments after a five month waiting period or in the sixth month after you stopped working due to the illness or injury. Members of the SSDI recipient’s family may also be eligible to receive a portion of SSDI benefits in certain, limited circumstances. One important thing to note is that you do not need to be permanently disabled to qualify for SSDI. You must be expected to be unable to work for a year or more. If you are able to recover through therapy or other measures, you may return to work for a trial period without losing your benefits immediately. This incentivizes people to return to work when they are able, but provides them with security in case they find they are not ready or are unable to return to the workplace.
Boston Social Security Disability Attorneys
Applying for SSDI is an important step toward your recovery—it will allow you to focus on healing as opposed to being concerned about your finances. If you think you may qualify for SSDI benefits, you need an experienced Social Security disability attorney to help you navigate the often complicated process. Even if you have previously applied for benefits but were denied, you are entitled to an appeal. John J. Sheehan and his team of professionals are knowledgeable in this area and can help you receive your benefits as quickly and seamlessly as possible. Contact our Boston, Massachusetts office today to learn more about your legal rights.