Social Security Disability Insurance (SSDI) explained
Social Security Disability Insurance is provided by the United State Federal Government to individuals who may be either temporarily or permanently disabled. The process to apply for this insurance and making a claim can take months. Many claims are denied due to incorrect or inaccurate information on the first application attempt.
Individuals must be able to prove that they are disabled and expect to be dealing with the disability for at least twelve months. They must be under the age of 65 and have worked at least five out of the last ten years of their working lives. Individuals who are under the age of 22 and can prove that they acquired their disability before the age of 22 may be able to use their parents SSDI benefits with no harm to the parents.
Medical evidence is a major portion of the social security disability insurance process, say social work services experts from puswp-beth. Individuals must have hard evidence in hand such a doctors examination, laboratory tests and other information. The more information they have to prove their case, the better. Individuals may be required to visit a third party physician who will attempt to discredit their medical case. This is to ensure that only individuals who are supposed to have SSDI coverage have it. This entire process has a strict quality control method to it and any sign of the ability work will have an individual denied from coverage.
Depending upon several factors such as which state you live in and how many social security employees are on hand, there may be a backlog as long as eight months for an initial application. Hearings on an individuals SSDI benefits may take up to 18 months to be scheduled and actually occur. The SSA has been working towards reducing the backlog and increasing their efficiency so that more cases are able to be resolved quicker.
Initial applications are only given a 10% approval rate. This is due to many factors including fraud and other mistakes made during the application process. The overall approval rate through the many step appeal process is 34% on average. Individuals may make claims to their personal disability insurance policies while their SSDI benefits are being determined for approval/denial. Regardless of a persons age, 24 months after they have begun receiving their SSDI benefits they may apply and be approved for Medicare. This includes all of the coverage that regular Medicare recipients are given.