For readers of this blog, they know that the federal government provides financial assistance to disabled individuals through the Social Security Disability Insurance and Supplemental Security Income programs. And, this blog will go over the basics of applying for SSDI and SSI disability benefits.
SSDI versus SSI
First, it is important to know which program to apply for, SSDI or SSI. SSDI pays benefits directly to persons with disability, and in some cases, their family members. However, SSDI can only be utilized if one worked long enough to pay into Social Security through taxes on one’s employment earnings. SSI, on the other hand, is available for those, including children, who have not paid enough to qualify for SSDI. Nonetheless, while these two programs pay out to different people, the medical requirements for both are the same. Specifically, if one meets the medical requirements and that medical condition is expected to last at least one year (or is expected to be fatal), monthly benefits are paid.
The application process
Those seeking disability benefits can apply in person, by phone or online. Regardless of how one chooses to apply though, the same information and documents are required, which are included in the Adult Disability Checklist. Once the application is submitted, the Social Security Administration will review that submission. SSA checks whether one has worked enough years to qualify for SSDI (SSI does not have this requirement), analyses one’s current work duties and whether the application includes the basic information required for a disability determination. If the application package passes this point, it is sent to the Disability Determination Services office in the applicant’s state. That state agency then determines whether one’s disability qualifies for SSDI or SSI.
Contact with SSA
During this process, SSA or the DDS will reach out to applicants directly, if they have questions or need additional documentation. Once a decision has been made, a letter is sent to the applicant with that decision. However, applicants can check their status online or by call the SSA.
Denials
If a Columbus, Ohio, applicant is denied, they can appeal that denial in writing, if it is done within 60 days of receiving that denial. Though, this is usually when applicants contact a professional for help.
