When you’re diagnosed with a disability, you may not be able to continue at your job. Luckily, the government offers Social Security disability insurance to compensate these individuals. If you need financial assistance, here’s a guide to help you learn more about this option. 

What Is Social Security Disability Insurance?

For those whose condition is preventing them from working, disability insurance can take the place of your previous regular income. The money you receive can be used toward your medical needs and everyday expenses. Unlike private disability insurance, you don’t have to purchase Social Security disability benefits in advance.

What Are the Basic Qualifications?

If you’d like to apply for SSDI after being diagnosed with a disability, you’ll need to meet a few key criteria. First, you have to prove that you can no longer do the work required for your previous jobs. You must also show that you’ve looked for other work, but that none is available that meets your age, ability, or education level. You also need to show that you’ve worked a position that paid into the Social Security system for ten years.

How Do I Apply?

To apply, you’ll first need to get an official diagnosis from a medical professional who can verify that your disability will last a year or more (or that it will end your life before then). There are strict qualifications for what counts as a “disability,” as defined in the Blue Book.

Even if you’re not sure you meet the criteria, you should make your intent to apply known to the Social Security Administration as soon as possible, so that, if approved, you can be paid for the full amount of time you were out of work. While many Social Security disability insurance claims are denied at first, you still have a high chance of approval through the appeals process.

If you’re eager to get approved for SSDI, turn to D'Agosto & Howe LLC of Shelton, CT. They have over 40 years of experience in the industry and will be happy to help you file a claim. If you’re denied, they can also help you through the appeal process. To learn more about their practice areas, including family and real estate law, visit their website. Call (203) 538-9026 to make an appointment or schedule an off-site visit.