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Social Security disability insurance is a federally run program that provides benefits to people with disabilities and their families if they are no longer able to work because of their disability. To qualify for social security disability insurance, you have to have worked in a job that paid into the Social Security fund. This is usually a payroll deduction taken out by your employer on a bi-weekly basis that is placed in the Social Security trust.
Social Security disability insurance requires that you be able to prove that you have a disability that makes it impossible for you to work and earn an income. There are also certain requirements that need to be met in order to collect benefits. If you are still working and making more than $980 a month, you cannot collect benefits. If you are not working, then you have to meet the Social Security Administration’s definition of what a disability is. In order for you to qualify for Social Security disability insurance, your condition must be severe enough that it interferes or prevents you from carrying out your regular duties. The Administration maintains a list of conditions for each body system that are so severe that they automatically qualify for Social Security disability insurance. Most of the listed impairments are either permanent conditions that will not go away or chronic conditions that will result in death. For those conditions that are not automatically on the list, the Administration makes a determination on your disability claim by evaluating your medical condition and determining whether it meets the standard for qualifying for Social Security disability insurance. Medical evidence such as a physical examination is a vital component in determining eligibility.
You can apply for Social Security disability insurance by going online to their website or by going in person to your local Social Security office. Claims for social security disability insurance take longer than most other claims, and there is a time of between 3 to 5 months between when an application is received to when it is certified. The process can be expedited by providing as much information as you can that will assist the Social Security Administration in making a decision on your claim. This information can include any medical evidence such as medical records or a statement from your physician that can demonstrate that you are in fact disabled. To fill out the application for Social Security disability insurance you will need the names, addresses and phone numbers of caseworkers, physicians and caretakers who are familiar with your case. You will also need to list any medications you are taking along with the dosages. You will also need information about your family members including their Social Security numbers.
Once you have gathered all of this information together, you can then apply for Social Security disability insurance. If you have enough medical evidence and can meet the criteria set forth by the administration, you will receive benefits when your application is approved.