Published on: March 26, 2015
Receiving benefits isn't as easy as simply applying. Depending on your particular condition and its severity, the process of getting approved can be long and arduous. This is to make certain that benefits are paid only to those who qualify for them.
Disability Income Explained
As we said above, disability income is for those who are unable to work because of a medical condition that keeps them from doing so - it's meant to substitute no more than 80 percent of the recipient's income. Currently, more than 18 percent of Americans are living on disability insurance.
Although there are various forms of disability income, the single most important and popular form in the US is provided by the federal government (Social Security).
If you feel as though you're in need of these types of benefits from the government, here's how you can go about attempting to get them.
Apply Right Away
It's vital that you apply for disability income benefits as soon as you become disabled. This is because even if you are indeed granted benefits, they don 'tbegin until the 6th full month of your disability. Additionally, the waiting period for benefits starts the first full month that Social Security determines that your condition or injury began.
If you're suffering from an on-going condition that had no specific "start date," Social Security will determine when your condition became severe enough that it prevented you from sufficiently carrying out the functions of your job.
But, are you even eligible?
Remember, you'll only be eligible to receive social security benefits if:
- Your condition renders you completely unable to perform any of the functions of your job or any other job properly.
- Your condition is expected to last at least 1 year, or it's expected to result in your death.
The Application Process
Nowadays, Social Security makes it easy for people to apply for benefits by giving them an online application option. But, for those who prefer to actually speak to someone, phone and in-person interview options are available, as well.
No matter what option you choose though, you'll need the following items handy:
- Original or certified copy of your birth certificate.
- Proof of U.S. or legal residency (if born in another county).
- Your W-2 form from the previous year, or if self-employed your federal tax return.
- All workers’ compensation history.
- Social Security numbers of your spouse and children (if applicable).
- Your bank account number.
- Contact information for your emergency contact.
Next, you're going to have to fill out a form which asks for information about your doctors, types of medication you're taking, and other information about your medical history.
What if Your Application is Rejected?
Well, then you might need the assistance of a highly experienced disability benefits advocate, in order to appeal.
Even if you haven't yet applied though, we highly recommend seeking the assistance of a disability advocate. Using such a service will highly increase your chances of receiving the compensation you so rightfully deserve.
