For those who struggle with a debilitating medical condition that prevents them from working and supporting themselves, Social Security disability might be able to provide some much-needed resources. But there are a lot of misconceptions about what this program is, as well as considerable confusion surrounding its many rules and guidelines. To help gain some clarity, here are answers to some of the more frequently asked questions about Social Security disability.

What You Need to Know About Social Security Disability

What Is Social Security Disability?

Social Security disability (SSD) is a federal program that pays monthly benefits to those who have a qualifying disabling medical condition. Under SSD rules, a disability is any physical or mental impairment that prevents someone from doing any substantial gainful activity, such as work. How much an individual receives in SSD payments is determined by how much they've paid into the Social Security system over their years as a working person. So, in addition to having a qualifying medical disability, one must also have a steady work history in which they've paid Social Security taxes from their paychecks.

How Do I Apply?

To apply for SSD, fill out an application. You can do this online, by printing the forms and sending them in, over the phone, or in person at a Social Security office. The form is extensive and will ask you about your medical and employment histories; Social Security might follow up an initial application with a request for even more information.

How Long Does It Take to Get an Answer?

There is no hard and fast rule for how long it will take to get an answer. Generally, applicants receive a determination within a few months of submitting their initial application. Bear in mind, however, that many applications are denied the first time around. All denials are eligible for an appeal, but this prolongs the approval process by a considerable amount of time.

How Do I Appeal a Denial?

To appeal a denial, fill out a Request for Reconsideration. This will reopen your case and allow Social Security to conduct more investigation into your condition. If your application is again rejected, you can request a hearing with an administrative law judge who will review the case. After that, you can bring your claim to an Appeals Council. Once all these options have been exhausted and a denial is still given, you have the option of filing a lawsuit against Social Security in federal court.

At any stage of an application or appeal, a Social Security attorney can provide guidance and legal support. The law firm of David W. Kapor & Associates can help, with over 30 years of experience helping Hamilton County, OH, residents with any Social Security matter. Call (513) 721-2820 to schedule a free consultation, or visit them online to learn more about Social Security disability.