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Your career and your life can be significantly impacted if you sustain a long lasting disability. Research from the Social Security Administration indicates that a 20-year-old employee today has approximately a 30% chance of becoming disabled before he or she reaches the age of retirement in the United States.
With these statistics in mind, you may be curious about what steps to take if you sustain a severe disability that impacts your life and your work.
The Social Security Administration and Disability Benefits
There are two different programs operated by the Social Security Administration to pay disability benefits to individuals who qualify. These are known as the Social Security and Disability Insurance program (SSDI) and Supplemental Security Income program (SSI).
Individuals who have been approved to receive disability benefits will receive payments as a result of the fact that your medical condition prevents you from being able to gain meaningful employment.
Individuals who have met a minimum threshold for working credits will qualify for SSDI, but those who have very limited or no work history will qualify for SSI.
How is Disability Determined?
Only individuals who have been determined by a physician to be fully disabled on a long term basis can receive social security disability benefits. Some family members of disabled individuals could also receive Social Security disability benefits so long as particular eligibility requirements are satisfied.
In order to qualify for Social Security and disability law benefits, you must have a medical condition that is expected to last a minimum of one year or to result in your death.
If your condition meets these guidelines, a doctor may recommend that you file for disability benefits. In addition to your doctor, however, you may need the insight of a New Jersey disability attorney to help with the claims process.
What’s the First Step in the Application Process?
The first thing you need to do if you suspect that you qualify for benefits is to initiate an application. Given the workload of the Social Security Administration and their general timelines, it is in your best interests to file a claim sooner rather than later.
Speak With a Social Security And Disability Law New Jersey
It’s also a good idea to set up an appointment with a New Jersey disability benefits attorney so that you have legal representation as soon as you file.