Social Security Disability Insurance ( SSDI )

Social Security Disability Insurance (SSDI) is one of two separate income maintenance programs run by the federal government and administered by the Social Security Administration. The other is Supplemental Security Income (SSI). The law in this area is complicated and the advice of an experienced social security disability attorney can be crucial to your success in obtaining benefits.

To be eligible for Social Security Disability Insurance benefits (SSDI) you must have:
a. worked and paid into the program through payroll or self-employment taxes in the required amount as follows:

– Younger than age 24 (worked 1.5 of the last 3 years prior to your disability beginning)
– Age 24 – 31 (Your Age minus 21, divided by two) For example if you became disabled at age 29, then you would have needed to work 4 years from the time you turned 21 (29-21 / 2 = 4)
– Age 31 and older (worked 5 of the last 10 years prior to your disability beginning)

b. have one or more physical or mental impairments that prevent you from engaging in any substantial, gainful employment for at least one year.

When you make your Social Security Disability Income application, the SSA will advise you as to whether you have sufficient work credit to be eligible for SSDI. If you do not meet the employment history eligibility requirements, you may still qualify for SSI. (See the Supplemental. Security Income section.)

The procedure for applying for Social Security Disability Income can be confusing. Your lawyer can help you understand the process better and prepare your application to give you the best chance of success.

In the event that your initial application is denied, which happens in almost 70% of cases, you are entitled to appeal through several levels to have your claim approved. The assistance of an attorney in the appeal process is of great value.

We will help you with numerous essential steps in the process, such as:
Time is important. If you wait too long to apply or to file a Request For Hearing to appeal, under the law you may lose your entitlement to some or all of your benefits. Call us today to arrange a free consultation with a lawyer, without obligation.
– Proper form completion and submission of your Request For Hearing and all appeals.
– Contact your medical providers to obtain important records and customized reports.
– Arrange for medical or vocational examinations, if necessary.
– Prepare you and any important witnesses for testimony at all hearings.
– Represent you at all hearings and assist you in testifying and presenting evidence and witnesses. Also, cross-examine SSA’s expert witnesses.
– Attempt to reopen any old application for benefits that you may have filed to try to maximize your benefits.

Time is important. If you wait too long to apply or to file a Request For Hearing to appeal, under the law you may lose your entitlement to some or all of your benefits. Call us today to arrange a free consultation with a lawyer, without obligation.

The Benefits of Social Security Disability Insurance ( SSDI )

Regular Income: An SSDI award will provide you with regular monthly income, roughly in the amount that you would receive if you received Social Security retirement, with cost of living increase in most years.

Medicare benefits: Regardless of your age, 24 months after your SSDI payments begin, you will be eligible for Medicare benefits, including Part A (hospital) and Part B (medical). In addition, there are a number of other plans available to you that supplement these benefits. In addition, you will be eligible for Part D ( Prescription Drug benefits).

Dependent benefits: If you become eligible for SSDI benefits and you have dependents under age 18, they may be eligible for benefits.

Protection of SS Retirement: If you are on SSDI and reach retirement age, your SSDI will end and retirement benefits begin. Being on SSDI up to when your retire will prevent your retirement benefits from decreasing due to not paying into the system while you are disabled.

Medical Insurance Extension under Cobra: If you receive a determination that you are disabled by the Social Security Administration and have recently lost your medical insurance, it may be possible to further extend your COBRA beyond the initial extension period.

Trial Work Period: If you begin receiving SSDI benefits and have an opportunity to return to work, SSDI will continue to pay benefits to you while you attempt to become reemployed. In effect, you will be receiving both SSDI benefit and your wages during this trial period.

Considering applying or have been turned down on your SSDI or SSI application?

Please contact our office to discuss your case, without cost or obligation at 303.797.3311

Serving the entire south Denver, Colorado (CO) Metropolitan area, including Littleton, Englewood, Centennial & Aurora in Arapahoe County, Highlands Ranch and Castle Rock in Douglas County, Denver and south Jefferson County, Colorado. Evening and weekend appointments are available.