Social Security Disability (SSD) benefits are intended to compensate you if you become disabled and can no longer work.
Applying for and obtaining disability benefits involves navigating a complex process, including the evaluation and approval of disability claims by the Social Security Administration (SSA).
At Michigan Injury Lawyers, our SSDI attorneys can help determine if you’re eligible for benefits, assist with filing your claim, and provide the advocacy you need if your application is denied.
Learn about how we help you navigate the process so you can confidently pursue the compensation you deserve.
What Is Social Security Disability Insurance?
For those who have paid into the Social Security system through taxes, SSDI is a form of insurance that may provide financial assistance if you cannot work due to a disability.
This vital program is meant to be a safety net for those who become disabled and can no longer support themselves or their families. SSI benefits are also available for those who meet financial need criteria, differentiating it from SSDI.
Who Qualifies For SSDI Benefits?
To be eligible for SSDI benefits, you must have a qualifying disability that meets the specific criteria set forth by the Social Security Administration (SSA). This includes:
- Your medical condition prevents you from performing substantial gainful activity (SGA).
- Due to your medical condition, you cannot continue with your previous job or adapt to new employment.
- Your condition has persisted or is anticipated to persist for a minimum of one year or is likely to be fatal.
Additionally, you’ll need the required number of credits or work history to qualify for benefits.
Generally, most individuals will require at least 40 work credits, 20 of which were earned in the last 10 years, ending in the year your disability began.
Even if you don’t think you qualify, it is still imperative to contact a Michigan SSDI lawyer who can evaluate your case and determine the best course of action.
Who Can Receive SSDI Benefits?
SSDI benefits are not only available to individuals who have become disabled but also to their dependents, including:
- Spouses
- Children under the age of 18
- Disabled adult children who became disabled before the age of 22.
Dependents must also meet certain criteria to receive disability benefits.
It’s important to note that receiving SSDI benefits does not affect your spouse or dependent ability to receive their own Social Security benefits.
Qualifying Ailments for SSDI Benefits
One key criterion for receiving SSDI benefits is having a qualifying medical condition listed in the SSA's Blue Book that prevents you from working.
The Social Security Administration (SSA) maintains a list of impairments, known as the “Blue Book,” which outlines these conditions and provides specific criteria for each.
The extensive list of SSDI qualifying conditions recognized by the SSA includes:
- seizures despite the use of medication,
- rheumatoid arthritis,
- obesity,
- neurological disorders,
- multiple sclerosis,
- mental impairment: Individuals with mental health conditions may be eligible for disability benefits if they demonstrate significant limitations in social functioning or daily activities, as outlined in the SSA’s medical criteria,
- immune system disorders,
- HIV positive,
- extreme psoriasis involving hands and feet,
- chronic heart disease,
- cancer,
- breathing problems,
- blindness or deafness,
The SSA evaluates whether these conditions cause severe functional limitations for at least a year or are likely to be fatal.
Multiple other disabilities may qualify, even if not included in the Blue Book. In these cases, applicants must provide sufficient medical evidence and documentation to demonstrate their disability and its impact on their ability to work.
Meeting the SSDI qualifying conditions criteria is best done with the help of an experienced lawyer who can help connect claimants with the appropriate medical experts and gather the necessary evidence for a successful application.
How Can A Lawyer Help Me Claim Social Security Disability Benefits?
Though the structure of the SSDI process may seem straightforward, numerous factors can complicate your claim and hinder your chances of success. With a Michigan social security disability attorney, you benefit from:
- A thorough evaluation of your case: An experienced lawyer can review the details of your situation and provide an honest assessment of your chances for success.
- Filing assistance: Navigating through the paperwork and filing process can be overwhelming, especially when dealing with a disability. Lawyers familiar with the SSDI application process can guide you through each step to ensure everything is completed accurately and on time.
- Effective advocacy: If your initial application is denied, a lawyer can represent you in appeals hearings and present evidence demonstrating why you qualify for benefits.
- Peace of mind: With legal representation, you are assured that your case is handled carefully, allowing you to focus on your health and well-being.
Considering how challenging it is to live a life with a disability, you deserve to have the support and resources available through SSDI. Contact Michigan Injury Lawyers today for assistance in pursuing your claim and obtaining the benefits you need and deserve.
How Much Is My SSDI Claim Worth?
Assuming you satisfy all eligibility requirements in Michigan, your monthly benefits will be determined by your average lifetime earnings before becoming disabled.
The SSA uses a complex formula to calculate the amount of disability benefits you are entitled to, considering factors such as work history and income level. Unlike SSDI, Supplemental Security Income (SSI) pays benefits based on financial need and does not require a work history but has strict income and resource limits.
In addition to monthly benefits, qualified individuals may also be eligible for back pay to compensate for the time between becoming disabled and being approved for their application.
This is typically up to 12 months, but it can vary depending on individual circumstances.
A free case evaluation with an experienced SSDI lawyer in Michigan will give you a better idea of what your benefits may look like.
How Long Does It Take To Receive SSDI Benefits?
The timeline for receiving SSDI benefits can vary depending on individual circumstances, but the average processing time is around 3-5 months. This can be longer if an initial application is denied and the applicant needs to go through the appeals process.
If an individual has multiple medical conditions that together significantly limit their ability to work, they may still be eligible for assistance.
Applicants should also remember that medical evidence and documentation are crucial to the success of their claim, so it’s important to gather all necessary information before submitting an application.
The Do's and Don'ts of Michigan SSDI Benefits
DO keep detailed records.
The government will want medical records detailing your disability and its impact on your ability to work. Keep track of all treatments, appointments, and any changes in your condition.
DO communicate with your doctor.
Your doctor's opinion and documentation are crucial to the success of your claim. Ensure they understand your condition's severity and can provide the necessary evidence.
DO seek legal assistance.
A Michigan SSDI lawyer can help you navigate the complicated process of applying for benefits and increase your chances of a successful claim. They can also assist with appeals if needed.
DON'T give up.
The application process may be lengthy and require patience, but it's essential to keep pushing for the benefits you deserve. Don't be discouraged if your initial application is denied, as many claims are approved on appeal.
DON'T misrepresent your disability.
Be honest and thorough in explaining the impact of your disability on your daily life and ability to work. Providing accurate information will increase the chances of a successful claim.
DON'T wait too long to apply.
It's important to begin the application process as soon as possible, as it can take some time for an application to be processed and approved. Waiting too long may result in missed benefits or a longer wait time for approval.
DON'T give up.
Applying for and obtaining SSDI benefits in Michigan is complex and daunting. However, with the help of an experienced lawyer, you can increase your chances of a successful claim.
Qualifying SSDI Ailments FAQ
My child's disability is not included in the Blue Book. Can I still apply for SSDI benefits?
Yes, you can still apply for SSDI benefits even if your child's disability is not listed in the Blue Book. The SSA has a process called "functional equivalency," where they can evaluate a disability and determine if it is similar to one listed in the Blue Book. A lawyer can help you gather the necessary evidence and make a strong case for functional equivalency.
Can I work while receiving SSDI benefits?
Individuals can still work while receiving SSDI benefits if their earnings do not exceed a certain amount set by the SSA. This amount can change yearly, so staying updated on current guidelines is important.
What happens if my condition improves and I can return to work?
If your condition improves and you can return to work, you may no longer be eligible for SSDI benefits. However, there is a trial work period where beneficiaries can test their ability to work without losing benefits. It is essential to speak to your lawyer and the SSA before making any decisions about returning to work.
What if my initial application is denied?
If your initial application for SSDI benefits is denied, you have the right to appeal the decision. This involves requesting a hearing before an administrative law judge who will review your case and make a determination. Our Michigan SSDI attorneys can help you prepare for the hearing and present a strong case for your eligibility.
Will my SSDI benefits be taxed in Michigan?
SSDI benefits are exempt from state taxes in Michigan. However, depending on your annual income, you may be taxed at the federal level based on earnings. An SSDI lawyer can help you understand the potential tax implications of receiving benefits.
Trouble Understanding SSDI? Contact Michigan Injury Lawyers For Comprehensive and Compassionate Legal Support
Understanding SSDI qualifying conditions, eligibility, and the application process can be overwhelming, but you don't have to face it alone.
Our experienced attorneys at Michigan Injury Lawyers are dedicated to helping individuals in Michigan navigate the complexities of SSDI and fight for the compensation they deserve.Complete our online form or call 313-GET-HELP to learn more about your right to compensation when a disability keeps you from working.