Due to the lengthy time it takes for the Social Security Administration (SSA) to process disability cases it’s not unusual for many disability applicants to be owed hundreds or thousands of dollars in back pay. Recently on our disability forum a user asked, “If I qualify for disability benefits will I receive a SSDI lump sum payout?”
Thousands of workers become disabled each year and are unable to work. Recently on our disability forum a user asked, “If I am sick and I cannot work why would the SSA deny my SSDI claim?”
It is not unusual for some disability applicants to have a severe health condition and believe they cannot work, but when they go to the doctor to get an evaluation of their condition, the doctor disagrees. Recently on our disability forum we had a user ask, “What if my doctor believes I am not disabled enough to stop working but I disagree with them?”
Disability lawyer bailed…what now?
What if you have done all the right things to get Social Security Disability Insurance (SSDI)? You have completed the SSDI application, you have answered on the SSA questions and you have hired a disability lawyer. Things were looking great for your case, but suddenly, without an explanation, your disability lawyer dropped your case. Now what? What are your rights? Can you hire another lawyer and keep going with the process? Do you have to start from the beginning? Recently on our disability forum we had a user ask, “What if my lawyer stopped working on my case? What do I do now?”
Benefits of SSDI
Some disability applicants wonder what the difference is between Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Social Security Disability Insurance and SSI are both disability programs which provide a monthly cash payment to disabled individuals but SSDI, unlike SSI, is contingent on the worker earning work credits and being insured by the Social Security Administration (SSA).
For SSDI, “the number of work credits needed depends on your age when you become disabled. Generally you need 40 credits, 20 of which were earned in the last 10 years ending with the year you become disabled. However, younger workers may qualify with fewer credits.”
So how do you earn work credits? According to the SSA, “Social Security work credits are based on your total yearly wages or self-employment income. You can earn up to four credits each year. The amount needed for a credit changes from year to year. In 2013, for example, you earn one credit for each $1,160 of wages or self-employment income. When you’ve earned $4,640, you’ve earned your four credits for the year.”
Some claimants may ask whether there are really advantages for qualifying for the SSDI program and the answer is yes.