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What is Social Security Disability Insurance?

If you are injured or becomes seriously ill and are unable to work or provide for yourself, you become what is known as “disabled.” Fortunately for those who have been impacted in this way, you may be eligible to receive benefits to help you live your life and make your expenses through what is known as the Social Security program.

There are numerous types of benefits through this program, but the most common of which is called Social Security Disability Insurance. This is most frequently what people refer to when talking about “Social Security Disability.” SSDI functions a lot like an insurance program, where those who have paid into social security through their employment may file a claim and collect benefits, so long as they fit qualification criteria.

In order to qualify, you must be disabled and have a monthly income below the “substantial gainful activity” level, or less than $1,170 per month. This means that you may still be able to work in a limited capacity and receive some SSDI benefits.

SSDI vs. SSI

Social Security Disability Insurance is frequently confused with another program, known as Supplemental Security Income. The two programs are similar, as you must be disabled in order to receive either one. However, Supplemental Security Income is more of a welfare program than SSDI, meaning that you don’t necessarily need to have paid into social security to collect SSI.

Applying For Benefits

In order to receive these benefits, you must submit an application and make a claim with the Social Security Administration. Be advised, this is not a fast process, and the average application takes 2-4 months in order to reach a decision. During this time, the Social Security Administration obtains medical records, requires that forms be completed by various individuals, or even has you evaluated by one of their doctors to get a better opinion of your condition. It’s important that you comply with these requests as quickly as possible in order to minimize the delays between your filing your application and receiving your federal benefits.

It’s not uncommon for claims to be denied. The application process is complex, and errors in paperwork or omitted evidence to support your claim may result in your application being rejected. However, you can appeal your claim being denied. Michigan does not have a reconsideration stage, but you do have the ability to file for an appeal within 65 days of your receipt of the notice your claim has been denied.

It is advised that you seek the assistance of a skilled Detroit Social Security Disability attorney for assistance when you need to file a claim with any Social Security program. At Goodman Acker P.C., we have more than 75 combined years of legal experience that we can bring to the table to help you get the benefits you need to help you live your life comfortably. We have a vast knowledge and familiarity with social security laws, and we can help you maximize your chances of having your claim accepted the first time.

Call Goodman Acker P.C. today at (248) 793-2010 and let us assist you with your Social Security law needs, starting with a free consultation!