Disability is unpredictable and often tragic; it can happen to anyone at any age, at any time. One in four workers who are now 20 years old will be disabled before reaching retirement age. When a disability robs someone of the capacity to earn a living, Social Security disability benefits can provide crucial help in a time of genuine need. An experienced Social Security disability attorney can help you receive the benefits you’ll need.
When workers “pay into” Social Security, they earn “credits” that count toward retirement, survivors, and disability benefits. The number of credits needed to become eligible for disability benefits depends on your age and on the dates and amount of your work. Younger applicants require fewer credits, but most claimants will need at least ten years of work to qualify for disability benefits.
Step-by-Step Guidance Through Applications and Appeals
To qualify for Social Security disability benefits, you must have a condition that prevents you from working for at least twelve months or from a terminal illness. If your disability meets this standard, it’s important to apply as soon as possible. Typically, the state agency reviewing your claim takes three to four months to make a determination. Once approved, your first payment is retroactive to the sixth month after the eligibility date. For example, if your claim is approved with an effective date of January 15, your first payment would cover July and be received in August.
A skilled disability attorney can guide you through the paperwork, help gather supporting medical records, and ensure your application is complete. If your initial claim is denied, an experienced attorney can handle the appeal process, which often has a higher success rate than first-time applications. Working with a good disability lawyer improves your chances of winning benefits and receiving them promptly.