If you are disabled and are having trouble making a living, you may have thought about filing for disability benefits. But before you do, there a many things you should know, because collecting benefits means getting approval for those benefits. And this is where many applicants learn a lesson about the complexities of qualifying for Social Security Disability benefits. The following are just a few of the highlights.

You can't collect disability right away

You will have to demonstrate that you are unable to work, and that often means that you have not been able to work for at least a year. You don't have to wait a year to apply for benefits, but even if you are granted disability, there is a five-month waiting period before you receive benefits. This is to make sure that you are not making an improvement. Of course, there are exceptions. If you have an immediate and obvious disability, then the benefits can be expedited. But this includes such things as immediate blindness or the loss of both hands. You may have a serious disability and have a doctor agree, but it may not be enough for immediate disability. Something such as a stroke may not qualify because people recover, to certain degrees, from a stroke.

The amount you receive is based upon your work history

Just as with Social Security benefits that you receive when you turn 65, your disability payment will be based upon your work history. It is not based upon your recent income, but a complex formula that creates a monthly amount. With only a few exceptions, this will be the same as your monthly Social Security retirement benefit. In fact, once you turn 65, your disability will stop, and your retirement benefits will kick in.

The majority of claims are denied

Although you have the right to appeal, the initial percentage of those denied benefits is well over 50 percent. There are many reasons for this. Many people are under the mistaken belief that their disability qualifies them for benefits when it does not. Often a person will have a disability, but it is poorly documented. At other times, it is an application that is not properly filled out or missing supporting documentation. Much of this can be prevented by consulting with an attorney with experience in Social Security Disability claims.

There are many misunderstandings and assumptions about disability. It is an important program that is there to help people who can no longer work. However, if you believe that you are eligible for this benefit, you are better off making an appointment with an attorney for a consultation. The best and most accurate information you can get is from a Social Security Disability representative. If you are eligible, your chances of approval are much better with the assistance of an attorney.

Share