Disabled members of the community often have a much more difficult time financially and physically. It is hard for disabled individuals to maintain jobs and may contribute to a lot of financial stress, especially if they have dependents who need financial stability. Contrary to the belief that a small portion of people will file for disability in their life, it’s estimated that anyone over the age of 20 has a 1 in 4 chance of stopping work before retirement due to a disability. Social Security Disability was created for those who need income to support themselves and their families but cannot work due to their disability.
What is a Social Security Disability?
Social Security Disability, or SSD, is an insurance program in which workers pay via social security taxes. This insurance program exists to assist those who are on disability and to help take care of their dependents. SSD will not replace the full amount of wages lost due to one’s disability. However, the amounts given out will help replace a portion of the disabled individual’s income.
Attaining Social Security funds due to a disability is not a simple process that begins as soon as a disability is developed. To apply for Social Security Disability, a candidate must:
- Have worked in one or more jobs that have paid into the Social Security program.
- Have a medical condition that meets the definition of disability as outlined by the Social Security program.
- Have been unable to work for over a year due to a disability.
Depending on your situation and the specifics of your disability, there may be more qualifications that you must meet to be eligible for SSD payments. A full list of guidelines and qualifications is available on Social Security’s official website here.
To prevent fraud and to allocate funds to only truly disabled people who are unable to work, Social Security is selective about who is eligible to receive funds. Not all disabilities may qualify for Social Security Disability. The agency has approved disability categories in which more specific disabilities are listed. These categories cover a variety of disabilities for which applicants can receive funds if they are approved. The categories are as follows:
- Musculoskeletal Disorders
- Special Senses and Speech
- Respiratory Diseases
- Cardiovascular System
- Digestive System
- Genitourinary Disorders
- Hematological Disorders
- Skin Disorders
- Endocrine Disorders
- Congenital Disorders that affect multiple body systems
- Neurological Disorders
- Mental Disorders
- Immune System Disorders
For a full, comprehensive list of each category and what falls into each category, Social Security has provided an interactive database for those wondering if their disability follows their criteria. You can find the list here.
Filing for SSD
If you meet the qualifications and need money to help support yourself and your loved ones, you may apply for Social Security Disability here. While you do not need an attorney for your application, you may want an attorney to look over your application before it is officially submitted. Many report that having an attorney help with the application process can help it get approved without being appealed.
Why You Should Hire a Social Security Disability Attorney
Social Security Disability attorneys are incredibly useful throughout the application process. Even if the extent of their involvement is simply to get your application approved, there are many reasons why you should hire a Social Security Disability Attorney, including:
- The process can be complicated- Attorneys specializing in this field will know what goes into the application process and put you in a better situation for approval.
- They keep you organized- Your attorney will keep track of any important documentation, including medical records, that can boost your application.
- They can help expedite the process- Due to their familiarity with the process, they can help you through the process quickly and efficiently so that you can get the finances you need sooner.
- It relieves your stress- Instead of worrying about your application and everything involved with it, you can relax knowing that a professional is taking care of everything for you.
Attorney fees can be expensive but nothing compared to the financial loss of being denied Social Security Disability. Hiring an attorney before submitting your application will put you in a much better position for approval than simply completing the application independently.
When You Should Contact a Social Security Disability Attorney
When it comes to hiring an attorney, it is always best to hire one sooner than wait. An attorney can help you with your application and give you advice based on the specifics of your case. Instead of having to wonder about the details of your case, you can have an expert explain them to you to better understand your chances for approval and your options if your application is denied.
You should especially consider hiring an attorney if your case is denied. If you have received a denial, your attorney will begin to reevaluate your application and attempt to move your application back through the system. If your medical situation is serious or is progressing dangerously, your attorney can help expedite your application. In some cases, an attorney can speak privately to a judge and get your application approved without a formal hearing.
If you are simply seeking a re-application, an attorney can help you along the process, making adequate adjustments to your application. There is no guarantee that this will yield different results; however, having an attorney helps your chances.
Contact The Eichholz Law Firm
If you would like an attorney to assist you with your application or need an attorney to help you appeal your denied application, contact the Eichholz Law Firm. Our attorneys are familiar with the ins and outs of filing for Social Security Disability and will help put you in the best position possible to get the help and financial assistance you deserve.