If you have a physical ailment or mental disorder, did you know you can apply for the Social Security Disability program? This program is designed by the federal government to give monetary assistance to those who cannot work, who need monthly assistance, and who cannot afford medical coverage on their own.
What disabilities qualify for SS disability?
There are many disabilities that lead to social security income (SSI). What are they? They're based upon government rules. According to the government, you have the "inability to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in death or has lasted or can be expected to last for a continuous period of not less than 12 months." Okay, what does that really mean?
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You cannot work because of a physical or mental problem. For example, if you cannot walk or be active enough to work because of a physical ailment, you would be eligible. If you have a mental problem, for example schizophrenia, you also have the right to apply. There are countless options, but the main protocol is that you are physically or mentally unable to work, and need monetary help to live on.
Will you be covered for medical?
Most states include Medicaid or Medicare programs with SSI. These are needed, because if you are on medications and have no job, the prices could literally bankruptcy you. For example, you might have to take medicine for a heart condition which might cost you thousands a year; without some form of benefit program and lacking a large income, it would be nearly impossible to keep up. The good news is that both states and the federal governments have recognized this. If you are eligible for SSI, you are usually immediately eligible for benefits.
How do you apply?
You apply with the Social Security Administration. The number is 1-800-772-1213, or you can go online to http://www.socialsecurity.gov/applyfordisability/ or even apply in person at the local office in your city. You will be asked basic questions on why you need help; if needed, you can go with a friend or family member to help you through the process. Even better, since this could dramatically change your life, you could get counsel and help from a disability lawyer.
Who do you hire?
If you want to apply for disability, there is a chance you will be rejected. This is not to scare you, but it does happen. Perhaps the government does mean believe you are incapable of work. For some with clear disabilities, there is no problem. For others, who perhaps have less noticeable or testable handicaps such as a mental disorder, you may need legal counsel. A disability lawyer can help you successfully apply for SSI. If you have trouble proving your disability, a lawyer can help.
How much can you get?
The amount you get on paper isn't very much and varies from person to person. However, if you include the benefits of Medicaid or Medicare, apply for disability is truly an important move. For instance, you might get $700 per month, be eligible for subsidized housing, and get free medical care.
If you feel you cannot work and want financial help, a disability lawyer can walk you through the process of finding if your eligible, help you successfully file with disability benefits, and get a fresh start in life.
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