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Social Security Disability Process
Adjusting to disabilities can be as difficult financially as it is physically. When you can no longer work as a result of an injury or a chronic illness lasting a year or longer, you are entitled to receive Social Security disability benefits from the federal government. However, the application process for receiving these benefits can be a tedious one, with notoriously long wait times and confusing terms and conditions.
In fact, more than half of social security disability benefit applications are rejected simply because of this convoluted process. The Social Security Disability application requires medical documentation or proof of disability before benefits can be awarded. The process of obtaining such documentation and correctly filling out the application in a timely manner can prove extremely difficult without assistance.
If you find yourself stuck trying to navigate the disability claims process, it may be time to consult the renowned disability lawyers at Boesen Law. We can help you with the application and advise you on the best way to file your claim. We work with the best Social Security Disability attorneys in Denver who have helped clients make it through the application process and receive their deserved benefits. Our extensive knowledge about the process and the system will reduce the chances of your first application being rejected. In the event your claim is or has already been rejected, we will help you through the appeals process.
How the Social Security Administration Determines Disability Qualifications
As mentioned below, the Social Security Administration has its own set of rules to determine the eligibility of a claimant.
The eligibility is also based upon the number of years one has worked, payment of taxes, and contribution to the SSDI. Therefore, it is only available to those who have had regular tax with contributions through payroll or FICA withholdings to a federal disability funding program.
If you are considering applying for insurance, it is highly recommended that you seek advice from a disability attorney before submitting your application.
In addition to an acceptable work history, the individual must have a serious medical condition which is considered a disability by the SSDI program.
Some of these include:
- Digestive system disorders
- Cardiovascular system disorders
- Mental disorders
- Musculoskeletal system disorders
- Congenital disorders
- Special senses and speech disorders
- Endocrine disorders
- Respiratory disorders
- Immune system disorders
- Genitourinary disorders
- Cancer and other malignant neoplastic diseases
- Hematological disorders
- Skin disorders
Even if the disease one is suffering from is not mentioned in the list above, the grants can be made by SSDI if their medical condition prevents them from continuing working for an extended period of time. They can also seek the help of an attorney for Social Security Disability for clarification on eligibility and how to file a claim.
A disabled person who does not qualify for SSDI based on the aforementioned qualifications can apply for Supplemental Security Income (SSI).
The person must not be able to engage in any type of work whatsoever. – They can actually work just not a lot. We can omit that part and tell them in person.
Applicants who are thinking about applying for SSI should consult a Social Security office Denver and ask for a professional Social Security Disability lawyer in Denver right away by calling Boesen Law at 303-999-9999
How to Begin Filing an Appeal
The first appeal must be filed within a few days. This appeal can take over a year to be considered and is a reconsideration of the original claim. If the first appeal is rejected, an Administrative Law judge is assigned to hear your appeal. If the second appeal is rejected as well for some reason, you can further appeal the decision through the Social Security Appeal Council and in a federal court thereafter with the help of our disability insurance lawyer in Denver.
Short-Term Disability Insurance
As the name suggests, short-term disability (STD) insurance offers coverage of an employee’s income in part (about 66% of the total) for a certain period of time. The employee does not have to come to work during that period, which is often about 6 months or less. Despite being an insurance policy, short-term disability insurance does not assure you of job security or continuance of other benefits after the determined time period.
This insurance is more beneficial for employees since it lets them avail of insurance benefits as early as a few days from the date of filing a request. In case they are not able to return to the job despite their best efforts even after 6 months, the policy rolls over into long-term disability insurance. You may need to file a separate claim for this roll-over before the 6-month period ends.
Long-Term Disability Insurance
Long-term disability (LTD) insurance usually kicks in when an employee has crossed the fixed time limit and is now seeking coverage for a longer period. These benefits are mostly sought by permanently disabled people or those who suffer from chronic illnesses. The payout and company policies regarding employee reinstatement and other benefits are the same as those for short-term disability insurance.
While short-term disability expenses are state-sponsored, you will have to deal with long-term disability insurance expenses on your own or through your employer. The maximum cap of benefits for long-term disability insurance is also higher.
Eligibility for SSDI in Denver
Social Security Disability Insurance (SSDI) has its own set of rules to determine one’s eligibility to claim the insurance. It exists to provide government assistance to individuals who cannot work at all due to injury or illness.
In order to qualify, the individual must not be able to engage in any type of work whatsoever.
Alternatively, the disabled individual must be suffering from a serious or chronic medical condition that cannot be treated within one year.
The SSA grants no insurance benefits for partial disability or short-term illnesses.
A disease or disability can be related to physical or mental health, as diagnosed by a licensed medical practitioner. The claim does not consider the occupation you were in before the time of disability. Anyone working in any profession can make file claim with the aid of a Social Security Disability attorney in Denver, provided the above criteria is met.