According to studies, a 20-year-old worker has about 3:10 chances of having a disability before he reaches his retirement age. To prepare for this, workers pay social security taxes based on their earnings which should provide them with disability and retirement benefits.
Through the Social Security Administration, the government makes sure that people with a disability will be provided with their much-needed benefits.
In fact, even those who were not able to pay social security taxes are provided with benefits under the agency's Supplemental Security Income that aims to help people with disability, are blind, and are over the age of 65. The benefits given under this program are, of course, relatively lower than what a worker can get under the Social Security Disability Insurance Program.
Requirements for SSDI
In order to receive higher benefits, some people with disability try their luck by applying under the SSDI program instead of the SSI. They should, however, be aware that their time and effort will be wasted if the following requirements are not met:
- Work history. The applicant must provide information that would prove that he has worked long enough. The work credits are measured on the amount of salary that the worker was receiving while he was paying his social security taxes as a worker can receive up to four credits each year.
- Health condition. After proving that you have sufficient work credits, you must then prove that your health condition is severe enough to keep you from working substantial amount of income and that it is perceived to last for at least 12 months or may result in death.
For the adult children of workers who died, they must prove that their condition was incurred before reaching the age of 22. Also, benefits will be given to widow/widower caring for the disabled child of the deceased.
To protect the interest of workers who earned enough points by paying the social security taxes, the agency immediately rejects an application with insufficient proof of its eligibility. For rejected applicants who met the aforementioned requirements, they can file an appeal with the help of a disability lawyer in Los Angeles.
Rejected applicants can discuss with their legal representatives the reason indicated by the agency as to why their application has been rejected.
The appeals for these decisions may take time and the applicant is expected to understand the proceedings and produce the necessary legal documents to back up his claims.
With a lawyer expert in handling social security cases, the claimant won't need to worry as they will provide the assistance and guidance that a disabled person needs in order to receive his much-needed benefits.