Understanding The Legal Process

Understanding Social Security Disability Benefits

by Eli Gregory

We have all heard of Social Security, and anyone with a typical job pays into Social Security every paycheck. But if you have never needed to use it, you might not know exactly how it works. Learn about Social Security here so you can make informed decisions if you ever think you need it.

What is Social Security?

Social security is a government program that helps people in financial need. It gives economic security to millions of Americans who can't work because of disability, unemployment, retirement, or family death. Social Security is funded by every American who gets a legitimate paycheck. That money is funneled into the bank accounts of people who currently qualify for benefits. 

What is Social Security Disability Insurance?

If you are a worker who has become disabled and cannot work anymore, you may qualify for Social Security Disability Insurance. This insurance is only available for people who previously held jobs in which they paid into Social Security every paycheck. Almost 9 million people receive these monthly benefits every year and rely on it to stay afloat in hard times. Not everybody receives the same amount of money every month; their check payouts are determined by the amount of money they were earning at their last job. If you were making $20,000 a year when you became disabled, you will receive around $11,000 a year in SSDI. 

Do I Qualify for SSDI?

You may be wondering if you qualify for this government program. There are strict guidelines that each person must meet to receive money from the government. First, your disability must prove to be long-term (lasting at least 12 months) and serious enough that you can't complete any work in any field. The Social Security Administration grants Disability on a case-by-case basis\ and will look at the following factors to determine the outcome:

  • Work history
  • Medical records
  • Age
  • Education

Common medical reasons for Disability include mental impairments, severe back pain, heart disease, cancer, diabetes, and life-threatening illnesses.

Do I Need a Lawyer?

When you file for Disability, it's quite likely that you will be rejected the first time around; the SSA is notorious for rejecting claims. When you feel like you have a valid case, you need to hire a representative to be your advocate. They will locate crucial medical records, gather statements from your physicians, and use their knowledge of the law to form a solid case for you. Hire a lawyer who can help you earn financial relief during a troubling time. One person you can all is Jim McKown Attorney At Law.