Work credits are earned by working and paying Social Security taxes. The number of work credits you need to be eligible for SSDI benefits depends on your age at the time you became disabled.
Generally, it takes about three to five months to get a decision. However, the exact time depends on how long it takes to get your medical records and any other evidence needed to make a decision. How does Social Security make the decision? We send your application to a state agency that makes disability decisions.
Minus the five-month waiting period, you should receive back payments for any delays. The maximum SSDI will provide in back payments is 12 months. Your disability would have to start 12 months before you applied to receive the maximum in SSDI benefits.
SSI does not award retroactive payments. This means you cannot recover compensation for the months you were disabled before you applied for benefits.
Calculating the amount of back pay an SSI recipient receives is fairly simple. Just multiply the amount of the monthly benefit and the number of months that have passed since the date of the initial application. Back pay for SSI is not calculated using the onset date of the applicant's health problem.
The SSA takes the months between your application date and your approval date and multiples it by your monthly payment. If you receive the maximum payment of $735, and it took the SSA eight months to approve your claim, you would be entitled to $5,880 in back pay.
If you are approved for disability benefits, you will receive a monthly payment based on your average lifetime earnings before your disability began.
Yes, you can apply for disability benefits if you are already receiving retirement benefits, but the amount of your monthly benefit may be reduced.
SSDI applications are frequently denied because they don't have enough information to enable the SSA to award you SSDI benefits. It is better to appeal a denial first before submitting a new application. An appeal comprises multiple levels, so you can correct or supplement your application through this process.
Understanding What Qualifies You for 100% SSDI
Sequential Evaluation Process
The Social Security Administration uses a 5-step process to determine whether an individual is disabled. Understanding this process can be very helpful for anyone wishing to apply for benefits.
This five-step process evaluates varying aspects of an applicant's capabilities, such as monthly income, the type and severity of the medical condition(s) they may have, and the limitations or impairments caused by the condition(s). The requirements that are closely considered in these five steps, which are outlined in the Social Security Act, will determine your eligibility for disability benefits.
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