Many people suffer from various medical issues that prevent them from living a functional, healthy, and active life. If you are one of them, don’t worry because you aren’t alone. In fact, studies have shown that millions of Americans suffer from different disabilities and health problems. These obstacles often keep them from living their life how they want to and also prevent them from working. So, if this sounds familiar please keep reading. Today we will explore everything you need to know about disability claims and Social Security disability insurance.
A disability claim is a request for income assistance and it is usually filed with the Social Security Administration. If you believe that your physical or mental disability prevents you from finding a job or leading a normal life, you may file a disability claim. Still, you should know a few facts before you get started.
Fact 1 – You Will Likely Need A Lawyer
A person’s legal representation may really be a game-changer when it comes to disability claims. Your whole financial future will be in the hands of your lawyer, so make sure you choose the best one for your needs. When you are coping with an injury, accident, or health problems the worst thing possible is to worry about how the lawyer is handling your case and whether or not you will be able to pay your medical bills. Experienced lawyers at www.rbrlawfirm.com explain that a successful claim is necessary for you to focus on your future and deal with all the financial burdens. After all, an injury or accident can impact every aspect of your life. It’s very stressful for you and your family and with the right lawyer at least you will have one headache less.
Fact 2 – You Will Need To Provide Specific Information
It’s important to know that applying for a disability claim means you will have to provide a lot of information. It’s always better to be well prepared and not be caught by surprise. To complete your application you will need to gather information about yourself, your work, as well as your medical condition.
When it comes to your personal information, your Social Security number or place and date of birth won’t be enough. You will need to provide all those information about your spouse (current or former) and your minor children (if applicable). Your bank info and your account number are also essential.
Make sure you prepare the name and address of your employer, the amount of money you earned over the last couple of years, and the list of jobs you had before you became unable to work. If you have served in the U.S. military, the beginning and ending dates will be required. Don’t forget to enlist information about any benefits or worker’s compensations you filed, whether they are temporary or permanent. These compensations may have been paid by your insurance, your employer, a private agency, or a government agency. Here is a list that can help you:
- Workers’ Compensation
- Longshore and Harbor Workers’ Compensation
- Black Lung Benefits
- Federal Employees’ Retirement
- Civil Service (Disability) Retirement
- Disability benefits from the military, including military retirement pensions based on disability but not Veterans’ Administration benefits
- State or local government disability insurance benefits
Providing valid medical information is essential for disability claims. Make sure you describe every detail of your injury, illness, or other condition. You will also need to make a list of all the medicines you are taking and the names and phone numbers of doctors, clinics, or hospitals.
Fact 3 – You Must Have Worked Recently To Be Eligible
To be qualified for a disability claim you need to have evidence that you have contributed some money in taxes to the Social Security Administration. These investments are called “credits” and the general rule is that you can receive four credits per year. To even qualify for Social Security Disability Insurance you will need a certain number of credits, depending on your age.
It’s important to know that these credits had to be earned in the period of 10 years before you make your claim. Basically, if you have been working for a long time it means that you have contributed to Social Security Administration continuously and your application will be very strong. The more years you have worked – the stronger your disability claim will be.
Suffering from an injury, being in an accident, or dealing with health problems is difficult enough on its own. These situations are highly stressful and may turn your life upside-down. They can affect your mental health as well and put you and your family through hell.
Disability claims may help you a lot since your financial situation should be the last thing on your mind. You should be focusing on your recovery and give yourself enough time. After all, your health is the most important thing you have.