In the United States, a significant portion of the population, estimated at around 36 million individuals, lives with a disability. This means that approximately 12 percent of Americans experience some form of physical or mental impairment. While the severity of these conditions varies, many individuals face substantial challenges in their daily lives, impacting their ability to work and earn a living.
Recognizing the needs of those unable to support themselves due to disability, the Social Security Administration (SSA) offers crucial support through two primary benefits programs. Supplemental Security Income (SSI) is a needs-based program for disabled individuals and the elderly with limited income and resources. Social Security Disability Insurance (SSDI), on the other hand, is designed for individuals who have accumulated sufficient work history and paid Social Security taxes.
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At Jeffrey Glassman Injury Lawyers, our dedicated Massachusetts Lawyer Social Security team understands the complexities of SSDI claims. Combining our expertise in workers’ compensation, personal injury, and wrongful death, we offer comprehensive legal support to those injured and unable to work. Our Boston-based attorneys are committed to advocating for your rights and securing the benefits you deserve.
While both SSI and SSDI aim to provide a financial safety net for disabled workers, the SSA’s application process is known for its rigor. Designed to prevent fraudulent claims and ensure benefits reach only those genuinely in need, the stringent requirements often lead to initial denials, even for deserving applicants. Given the intricate nature of the application and appeals processes, consulting with an experienced Boston social security disability lawyer is highly recommended.
SSDI Benefits: Are You Eligible?
Social Security Disability Insurance (SSDI) is an earned benefit program. Eligibility is based on your work history and contributions to the Social Security system through payroll taxes. Unlike SSI, SSDI eligibility is not determined by household income or resources. The primary factor for SSDI eligibility is a sufficient work history.
The amount of work history required for SSDI eligibility varies with age at the time of disability. For instance, individuals becoming disabled at age 24 or younger generally need to have earned six work credits in the three years prior to the disability. A work credit is earned for every $1,640 in earnings in 2023, and the amount changes annually. Older individuals typically need more work credits. The Social Security Administration provides a detailed chart on their website outlining work credit requirements based on age.
Beyond work history, applicants must also meet the SSA’s strict definition of disability, proving their condition prevents them from engaging in substantial gainful activity.
Understanding the SSA Definition of Disability for SSDI
The SSA employs a multi-step process to determine disability. Key considerations include:
- Substantial Gainful Activity (SGA): The SSA assesses if you are currently engaged in SGA. In 2023, for non-blind individuals, earning over $1,470 per month typically indicates SGA, making you ineligible for SSDI. The SGA amount is different for statutorily blind individuals.
- Severity and Duration of Condition: Your medical condition must be severe enough to limit your ability to do basic work activities. The condition must have lasted, or be expected to last, for at least 12 months or result in death.
- The “Blue Book” Listing of Impairments: The SSA publishes a “Blue Book” which lists numerous medical conditions considered severe enough to warrant disability benefits. Part A lists adult conditions, and Part B covers childhood conditions. Each listing includes specific medical criteria and symptoms. Meeting a Blue Book listing can expedite the approval process. If your condition isn’t listed, you may still qualify by proving “medical equivalence,” demonstrating your condition is as severe as a listed impairment.
To support your SSDI claim, robust medical evidence is crucial. This evidence should consist of detailed medical records from treating physicians and specialists. A well-prepared application, supported by comprehensive medical documentation, is essential. Engaging a Boston lawyer social security specialist can significantly improve the strength and accuracy of your initial application, minimizing delays and potential denials.
What Happens if Your SSDI Claim is Denied?
Despite careful preparation, many initial SSDI applications face denial. It’s important not to be discouraged by an initial denial. The SSA provides a multi-tiered appeals process, consisting of four stages:
- Reconsideration: A complete review of your initial application by a different SSA decision-maker.
- Administrative Law Judge (ALJ) Hearing: A hearing before an ALJ where you can present your case, provide testimony, and submit further evidence. This is often the most critical stage of appeal.
- Appeals Council Review: A review by the SSA Appeals Council, examining if the ALJ hearing decision was legally sound.
- Federal Court Appeal: If the Appeals Council denies your claim, you can file a lawsuit in federal district court.
The SSDI appeals process involves strict deadlines, and building a compelling case requires a thorough understanding of legal and medical criteria. The guidance of a Massachusetts SSDI lawyer is invaluable throughout the appeals process, significantly increasing your chances of a favorable outcome.
The Importance of Legal Representation in Your SSDI Claim
Navigating the complexities of a Social Security disability claim can be overwhelming, especially when dealing with a disabling condition. Having a dedicated advocate on your side can make a profound difference. At Jeffrey Glassman Injury Lawyers, we are committed to providing the support and legal expertise you need to secure SSDI benefits. Contact us today at 1-(617) 777-7777 for a free consultation and learn how our Boston SSDI attorneys can assist you in obtaining the financial security you deserve.
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