If you cannot work because of an illness or injury, you may qualify for benefits under the federal Social Security Disability Insurance program. You may be unfamiliar with the program and have questions about how you qualify, what types of benefits you may receive and how long you will be eligible for benefits.
At the office of attorney Christine M. Naper, in Chicago, Illinois, I have over 30 years of experience handling disability claims, including SSDI claims. I know from experience that many people who cannot work because of illness or injury are confused about their rights. The questions and answers below are designed to provide you with basic information about the SSDI program. To learn more, contact my office or call me to set up an appointment.
When can I apply for Social Security disability insurance benefits?
An application for benefits can be filed immediately, once you become disabled. However, you must prove your injury or illness will prevent you from working for at least 12 months (but you don't have to wait 12 months to apply).
What is the likelihood that my claim will be approved?
According to the Social Security Administration, more claims are denied than are approved (60 percent of claims are denied, according to the most recent statistics). Studies also show, however, that your likelihood of success improves when you are represented by a lawyer experienced in handling SSDI claims.
How will the Social Security Administration determine whether my disability entitles me to benefits?
SSDI benefits are only available for a total disability. You cannot recover for partial or short-term disability (less than one year). For your injury or illness to qualify as a total disability under Social Security Administration rules, you must prove that you are unable to perform the work required in the job you held before you became disabled. Furthermore, there must also be a finding that you cannot adjust to other work because of your disability.
Does the Social Security Disability Insurance program provided any health insurance coverage?
You become eligible for Medicare (Parts A and B) once you have been eligible for SSDI benefits for a period of 24 months.
What recourse do I have if my Social Security Disability Insurance claim is denied?
If your claim has been rejected, even on appeal, you may still qualify for SSI (Supplemental Security Income) payments. The SSI program is need-based and provides benefits to adults or children who are disabled or blind, fall below the required income level and meet living arrangement requirements under the program.
To schedule an appointment to get answers to your other questions, e-mail me or call me at 773-525-8952. I take all SSDI cases on a contingent fee basis. I will only charge attorney fees if I recover compensation for you.
