If you’ve become disabled, you’ll need money to help pay for your medical and living expenses in
. Social Security Disability Insurance (SSDI) can pay up to $2,681 a month in benefits.
Some people buy disability insurance on their own or through their employer, which roughly replaces your take-home pay during the time you’re disabled or until the end of a predefined benefit period. But if you don’t have a separate disability insurance policy, you may qualify for SSDI, and it’s free. SSDI is a federal program that provides financial support to people who become disabled and lose their ability to work.
If you qualify for SSDI, these are benefits that you’ve earned by working and paying payroll taxes to the Social Security Administration. But it’s notoriously difficult to qualify for SSDI.
The vast majority of initial applications are denied, and after all levels of appeal the final acceptance rate has averaged a mere 34%. It can help to find a
disability lawyer near you to assist with your application.
Lawyers for social security disability applications only get paid if they win your case. And their fees are taken out of your SSDI backpay award (past benefits owed to you, not future payments). If you don’t get awarded SSDI benefits, you pay no legal fees.
By law, the maximum fee a
disability lawyer can charge is 25% of your SSDI backpay award up to a maximum of $6,000. Typically, the legal fee is less than the maximum $6,000 amount.
You are not required to hire a lawyer to apply for SSDI benefits. And since SSDI is a federal program, you don’t need to hire a disability lawyer near you--you can hire one from anywhere in the country. Though it may be helpful to hire a
social security disability lawyer if you intend to meet in person to discuss your case.
Get the benefits you've earned
You are eligible to receive SSDI if you are an American citizen or a legal resident. In the application process, you’ll need to prove that your disability may last for at least one year. And often you will also need to prove that you’ve been working for several years and are no longer able to earn an income above a certain threshold.
The Social Security Administration uses a five-point test to determine whether you meet the SSDI definition of disability:
Under each of these questions, the SSA evaluates various criteria to determine whether you qualify.
If you hire a
social security disability lawyer, they will handle the filing process for you. You can also apply on your own:
There is a clear financial benefit to applying on your own--if your application is successful, you won’t have any legal fees deducted from your award.
But keep in mind that less than ⅓ of social security disability applications are approved, and many fail due to incomplete forms or information.
The application process can be overwhelming and confusing, and having a
social security disability lawyer guide you through the process will increase your chance of success.
The social security disability application process requires a lot of information. There are several things you should do to prepare for completing the application.
This information will help you complete your SSDI application, the Adult Disability Report, and answer any questions the SSA may have.
Typically, it takes three to four months to hear whether you are approved for benefits. If you are approved, the SSA will send you a letter detailing your benefits and any back pay benefits as well.
If your application is denied, you have 60 days to file an appeal with the SSA.
If your social security disability claim is denied, you can appeal that decision. There are several levels of appeal your application may go through.
Below is an overview:
Each step in the process is different.
It can take anywhere from three months to over a year to receive your Social Security Disability benefits, depending on whether you need to go through the appeals process.
Below is the typical timeline for each stage:
The SSDI application process can be overwhelming, confusing, and lengthy. A
Social Security Disability lawyer can help you navigate the process and get you the benefits you’ve earned.
Get the benefits you've earned
Lancaster Social Security Office
252 Venture Place
Lancaster, OH - 43130
Columbus OH Social Security Office
220 S Hamilton Rd
Columbus, OH - 43213
Columbus OH Social Security Office - Federal Building
200 North High Street, room 225
Columbus, OH - 43215
Newark OH Social Security Office
125 Derby Downs Rd
Newark, OH - 43055
Worthington Social Security Office
1051 Worthington Woods
Worthington, OH - 43085