Both supplemental security income (SSI) and Social Security Disability Insurance (SSDI) provide disabled individuals with necessary financial resources. Applying for these programs, however, can sometimes seem like a daunting experience, especially for those who have never dealt with the complexities of the application process before. Below, attorney Hensley at Hensley Law Office in Flatwoods, KY, offers a step-by-step guide on how to apply for SSI and SSDI.

The Process of Applying for SSI & SSDI

1. Understand the Differences Between the Programs

SSI is a needs-based program for low-income disabled individuals; SSDI, meanwhile, is based on disability status—not income level. It’s possible to receive both SSI and SSDI if one's income falls below a certain threshold. Most applicants choose to apply for both programs to have the best chance of getting the resources they need.

2. Take the Benefit Eligibility Screening Test

The Social Security Administration (SSA) offers a tool known by the acronym BEST. It’s a relatively brief online questionnaire that asks you questions about your income level and health. You receive an automatic answer about which, if any, Social Security program you qualify for. Taking this quick test can remove a lot of the guesswork and point you in the direction of the program most suited for your needs and eligibility.

3. Complete an Initial Application

You will then need to file an application with SSI, SSDI, or both, depending on the results of the screening test. You can complete this form on paper, online, over the phone, or at your local Social Security office. Set aside a good chunk of time for this task; the application is lengthy. The SSA wants to know about your health, income, work history, and the details of your everyday life and how they are impacted by your disability.

4. Wait

You will have to wait a few months before you get an answer on your initial application. It's not uncommon for the SSA to request more information from you or your medical providers. Be patient, and provide any requested materials that are asked of you.

5. Receive an Answer

Eventually, you will receive either an approval or denial from the SSA. If you are approved, your benefits will begin on the date you specified on the application; you will be given a lump-sum back payment for the months you've been disabled, and future payments will be deposited monthly. If you are denied, you have the right to appeal. At this stage, if you have not done so already, hiring an attorney is a wise move. They will represent you in all your dealings with the SSA and work to get you the compensation and financial support you deserve.

Hensley Law Office is here to help at any stage of the SSI and SSDI application process. For more than 25 years, attorney Hensley has been representing area clients with Social Security, injury, and workers' compensation cases. Call (606) 836-3117, visit his website, or contact him on Facebook to schedule a free consultation with a Social Security lawyer today.