Social Security Disability Insurance (SSDI) is a monthly benefit for people who are disabled or blind. In order to be eligible for SSDI, you must have worked and paid Social Security taxes long enough to be covered under Social Security insurance. SSDI benefits are paid to people who are considered medically disabled and unable to work for 12 months or more because of their disability. Claimants must go through a medical determination process. Disability is defined as being unable to engage in Substantial Gainful Activity (SGA) due to medically determinable physical or mental impairments that are expected to result in death or that have lasted or are expected to last 12 months or longer.
Individuals who are found disabled under the Social Security Act are eligible for Medicare coverage. Medicare helps pay hospital and doctor bills of disabled individuals who have worked long enough under Social Security to be insured for Social Security benefits. Medicare generally covers people who have been determined to be disabled and have been receiving benefits for at least 24 months or have amyotrophic lateral sclerosis; and people who need long-term dialysis treatment for chronic kidney disease or require a kidney transplant. Medicare pays 80 percent of reasonable charges.
Before an individual can receive Social Security Disability Income (SSDI), he or she must prove that his or her medical impairment(s) is/are severe. Individuals must prove that they suffer from a medically determinable impairment which is defined by the Social Security Administration as an impairment that results from anatomical, physiological, or psychological abnormalities, which can be shown by medically acceptable clinical and laboratory diagnostic techniques.
Medical impairments, as defined by federal law, are impairments severe enough to prevent an individual from doing any gainful activity. For a child, impairments must be severe enough to cause marked and severe functional limitations. Listed impairments have their own requirements of severity to determine if one is automatically eligible for benefits.
Physiological impairments are conditions that are cause physical harm such as muscle problems, cancer, HIV, etc. There are physical symptoms associated with a physiological impairment. Psychological impairments are those conditions causing harm to your mental health such as depression, schizophrenia, etc. The Social Security office will not simply take an individual’s word for it about his/her medical condition. Medical evidence will be required, showing a physical or psychological impairment(s) that reveals signs, symptoms and laboratory findings associated with the claim.
If you have an impairment(s) which meets the duration requirement and/or is equal to a listed impairment(s), Social Security will find you disabled without considering your age, education, and work experience. But if your impairment(s) does not meet or equal a listed impairment, Social Security will assess and make a finding about your residual functional capacity based on all the relevant medical and other evidence in your case record.
If you are suffering from physical or mental impairments, we can help. We will file the necessary applications with Social Security Administration and represent you from the initial stage of the process to the hearing with an Administrative Law Judge. Our disability specialists know what it takes to prove to the Social Security Administration that you are unable to work. We understand Social Security regulations and know how to analyze your case. We will help you gather all the necessary medical records and other crucial evidence to support your case.