The Social Security Administration (SSA) is accountable for a lot of than simply retirement funds. The SSA offers 2 sorts of incapacity insurance to those who cannot work. They are Supplemental Security Income (SSI) and Social Security Incapacity Insurance (SSDI). SSI could be a monthly payment made to those who have limited money resources and are blind, disabled, or over the age of 65.
SSI helps provide for basic needs such as food, shelter, and clothing. Several recipients of SSI conjointly qualify for other government programs like Medicaid and food stamps. SSDI may be a monthly insurance payment created to those who will now not work due to a disability. To qualify for SSDI, the employee must have a job history that has payments into the SSA system for a particular period of time, relying upon their age.
To qualify for SSDI, staff should prove that they need a disability. SSA defines a incapacity as an impairment that limits or prohibits the individual's ability to figure at their former level. Impairments are usually medical in nature, either physically or mentally, and must be supported by medical records or other evidence. The SSA has an actual Listing of Impairments that's continuously expanding. Examples of impairments embody: chronic heart failure (cardiovascular); asthma or cystic fibrosis (respiratory); epilepsy (neurological); and schizophrenia (mental). A worker will not essentially have to possess one in every of the official impairments to qualify for SSDI; the SSA reviews every case on an individual basis.
It will take several months for an application to be approved or denied. If an application is denied, the worker has the right to attractiveness the decision. The method begins at the initial level through the Incapacity Determination Services (DDS). The subsequent level is named Reconsideration, when the applicant can request a hearing. The subsequent level may be a hearing before an Administrative Law Decide where the choose will issue a written decision. If the applying remains denied, the subsequent 2 steps are the Appeals Council and then finally Federal Court.
Applying for SSI and SSDI will be terribly complicated, and it is helpful to own an attorney who specializes in incapacity law.