When a serious workplace injury leaves you unable to work, Social Security Disability Insurance (SSDI) can provide much-needed financial assistance. Many employees in California qualify for SSDI benefits if they meet certain criteria.
Understanding how to qualify and apply for SSDI can be crucial in ensuring you get the support you need during your recovery. Below is a guide on how injured workers can qualify for SSDI benefits and the steps involved in applying. Contact PLBH at (800) 435-7542 to request a free legal consultation.
What Are SSDI Benefits?
SSDI is a federal program that provides financial assistance to individuals who are unable to work due to a long-term disability. This benefit is available to those who have worked and paid into Social Security but are now unable to continue working due to injury or illness.
Key Points About SSDI:
- SSDI is funded through payroll taxes, so you must have a work history that includes paying into the system.
- It is different from Supplemental Security Income (SSI), which is need-based and does not require a work history.
Who Qualifies for SSDI in California?
To qualify for SSDI benefits in California, injured workers must meet specific requirements related to their employment history and medical condition. The Social Security Administration (SSA) uses these criteria to determine eligibility:
1. Sufficient Work Credits
To be eligible for SSDI, you must have accumulated enough work credits through employment. These credits are earned based on your income, and you can earn up to four credits per year. The number of credits required depends on your age at the time you become disabled. Generally, you need 40 credits, with 20 of those earned in the last 10 years before becoming disabled.
2. Severe Injury or Disability
The injury or illness must be severe enough to prevent you from engaging in any substantial gainful activity (SGA). The SSA has specific guidelines to assess whether your injury qualifies, and it must be expected to last at least 12 months or result in death. Common qualifying conditions include:
- Musculoskeletal injuries (e.g., back or neck injuries)
- Respiratory disorders
- Mental health conditions
- Cardiovascular issues
How to Apply for SSDI Benefits
Once you determine that you meet the qualifications, the next step is to apply for SSDI benefits. The process can seem overwhelming, but following these steps can help ensure that your application is complete and accurate.
1. Gather Documentation
Before submitting your application, collect the necessary documentation to support your claim. This includes:
- Medical records: Detailed records from your doctors, including test results, treatments, and any notes about your limitations.
- Work history: A list of the jobs you’ve held over the past 15 years and how long you worked in each role.
- Personal identification: Your Social Security number, birth certificate, and any relevant legal documents.
2. Submit Your Application
You can apply for SSDI benefits online through the Social Security Administration’s website, by phone, or in person at your local Social Security office. Be sure to fill out all forms accurately and include the required documentation. Missing information can delay your claim or lead to a denial.
3. Wait for a Decision
The SSA typically takes three to five months to review an application and make a determination. If your claim is approved, you will begin receiving monthly benefits after a five-month waiting period from the date of your disability.
What to Do If Your Claim Is Denied
Unfortunately, many SSDI claims are denied on the first attempt. However, a denial is not the end of the process. You have the right to appeal, and many applicants are successful after doing so. Here’s how you can proceed:
1. Request a Reconsideration
After a denial, you can request a reconsideration of your claim within 60 days. This involves a thorough review of your application and supporting documents by someone who did not take part in the initial decision.
2. Attend a Hearing
If your claim is denied again, you can request a hearing before an administrative law judge. At this hearing, you can present additional evidence and make your case with the help of a legal representative.
Get Help with Your SSDI Claim
Applying for SSDI benefits can be complicated, and a denial can feel discouraging. At PLBH, we have experience helping injured workers navigate the SSDI application process and successfully appeal denied claims. We can guide you through every step and work to ensure you receive the benefits you deserve.
For more information or to schedule a consultation, contact PLBH at (800) 435-7542. We are here to help injured workers in California get the financial support they need.