If you or a loved one is facing a disability that prevents you from working, the financial strain can be overwhelming. Between medical bills, daily living expenses, and the emotional toll of managing a health condition, the challenges can feel insurmountable. Understanding what benefits are available and how to apply can make all the difference in securing the support you need.

What Are Social Security Disability Benefits?

The Social Security Administration (SSA) offers two types of disability benefits: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). SSDI is for disabled individuals who have worked and paid into Social Security but can no longer work due to severe medical conditions. Alternatively, SSI is a needs-based program for disabled individuals with limited income and resources, regardless of work history.

In short, SSDI and SSI benefits provide financial support for disabled persons who are unable to work. The two programs, while similar, carry distinct differences that must be navigated correctly throughout your claim. This process can be complex and overwhelming, but you are not alone!

How to Apply for Benefits

You can apply for SSDI benefits online, over the phone, or in person at your local SSA office. When applying, be prepared to provide detailed information about your medical conditions, treating medical providers, work history, and finances.

Once they receive your completed application, the SSA will review your work history and medical records before they make a determination, which can take several months.

What if I Get Denied?

Unfortunately, many initial applicants are denied, but a denial does not mean that your case is undeserving. Do not lose hope! You have the right to appeal through a process called reconsideration and, if necessary, request a hearing before an Administrative Law Judge. Having professional representation assures that any denials in your case are correctly appealed in a timely manner and can greatly improve your chances of approval.

Get the Help You Deserve

Applying for SSDI or SSI benefits can be complicated, but you don’t have to navigate it alone. Our experienced team at Weber, Kracht, & Chellew is here to guide you through the process from start to finish, and fight for the benefits you deserve. Contact us today at 215-257-5114 for a free consultation.

 

This article is designed for general information only. The information presented should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.