You’ve worked hard and diligently for decades, but for whatever reason, you’re now disabled and no longer capable of working. Suddenly, you’re worried about bills, debts, keeping your home, and caring for your family. Speaking to an experienced disability attorney can ease your fears and anxieties. Depending on the specifics of your case, several options are available. A good disability lawyer can explain to you the details about applications, denials, hearings, and the appeals process for each of these options:
- Social Security Disability Insurance (SSDI) – Only persons suffering from long-term, total disability are eligible to receive SSDI benefits. These benefits are paid by the Social Security Administration, but only to workers who have paid sufficient taxes into the Social Security Trust Fund.
- Supplemental Security Income (SSI) – If you have not paid enough taxes into the Social Security Trust Fund, you may still be eligible to receive SSI benefits.
- Veterans Disability – You may be qualified to receive Veterans Disability benefits if you have been injured or otherwise disabled during military service. Those suffering from military-related, post-traumatic stress or other disabling psychological conditions may also be eligible to receive Veterans Disability benefits.
- Group Disability Insurance – A group disability policy is provided by many employers through the Employee Retirement Income Security Act of 1974 (ERISA). A disabled person insured through a group disability policy must present his or her disability claim to the plan’s administrator, along with evidence substantiating the disability.
- Individual Disability Insurance – These are insurance policies purchased privately and paid for directly by the insured party. Individual disability insurance benefits typically are not taxable.
Understanding Your Choices and How to Improve Your Chances of Approval
There are several disability benefits programs available, and each one has different eligibility requirements. Some programs only provide benefits if you are completely unable to work, while others may allow partial disability benefits depending on your condition and limitations.
It’s also important to be prepared for the process. Many initial claims are denied, which means applicants often need to go through an appeal. This is where proper guidance and preparation can make a real difference.
An experienced disability attorney can help you determine which program fits your situation, gather the necessary documentation, and present a strong claim. Legal support can also help move the process forward more efficiently so you can begin receiving benefits sooner.
If you’re unsure whether you qualify or which option is right for you, don’t wait. Speak with an experienced disability attorney as soon as possible to get clear guidance and protect your right to benefits.