Applying for Social Security Disability Insurance (SSDI) can feel overwhelming, especially when you’re managing a serious health condition. The process involves multiple steps, strict requirements, and extensive paperwork, which can be difficult to navigate on your own.
While the Social Security Administration (SSA) provides the means to apply on your own, either online or by phone, many individuals discover that working with a skilled disability attorney greatly improves their chances of success. This article provides an overview of the SSDI application process and explains how working with experienced disability lawyers, like our disability attorneys at the GCC Law Firm, can give you a significant advantage in getting your benefits. Our law firm provides comprehensive disability law assistance to people living in Chicago, elsewhere in Illinois, and throughout the Midwest.
What is SSDI?
SSDI is a government-run program that provides financial assistance to individuals who are no longer able to work due to a serious, long-term disability. In order to qualify, you must meet certain conditions, such as proving that your medical condition will last at least 12 months or result in death and demonstrating that you have sufficient work credits based on your prior employment history.
How to Determine If You’re Eligible for SSDI
Before submitting your SSDI application, it’s important to understand whether you meet the eligibility criteria. The SSA uses a five-part test to decide if you qualify for disability benefits:
- Are You Working? If you are still working and earning more than $1,550 per month in 2024 (considered substantial gainful activity or SGA), you may not be eligible for SSDI.
- Is Your Condition Severe? Your medical condition must significantly interfere with your ability to perform basic work tasks and last for at least 12 months.
- Does Your Condition Match a Listing in the SSA’s Blue Book? The SSA maintains a list of recognized medical conditions that automatically qualify for benefits if you meet the criteria.
- Can You Do Your Previous Work? If your disability prevents you from performing any of the jobs you have done in the past, you may qualify.
- Can You Do Any Other Type of Work? The SSA will assess whether you can adjust to other types of work, considering your age, education, and experience.
Determining your eligibility under these criteria can be complicated, and it’s easy to miss a key detail. Working with an experienced attorney from GCC Law Firm helps ensure your case is thoroughly evaluated and presented to the SSA in the best possible way.
How to Apply for SSDI
There are two primary ways to submit your application for SSDI benefits: you can apply online through the SSA’s website or call their toll-free number to apply over the phone. Each method has its own set of steps.
Applying Online
Applying online may be convenient for some people. However, it requires you to gather all your information and complete the application process without live assistance. To apply online:
- Collect Required Information: Before you start, you’ll need to gather your Social Security number, birth certificate, medical records, a list of your doctors, and your employment history. Having this ready will make the process smoother.
- Create an Online Account: If you don’t already have one, you’ll need to set up a my Social Security account on the SSA website. This will allow you to start and track your application.
- Fill Out the Application: Follow the prompts to complete the online application form. Be thorough and provide all necessary details about your medical condition and work history to support your claim.
- Submit Your Application: Once you have filled everything out, you’ll submit the application electronically. You will receive a confirmation that your application has been received by the SSA.
Applying by Phone
For those who would rather not apply online, the SSA offers the option to apply by phone. By calling 1-800-772-1213, you can speak with an SSA representative who can guide you through the process. However, during the call, you will be asked to provide extensive and detailed information about your medical treatment and employment history, as well as the names and contact information for all of your healthcare providers.
Medical Evidence: The Backbone of Your SSDI Claim
The most important part of any SSDI claim is the medical evidence that supports your case. You will need to provide comprehensive documentation from your doctors, including medical records, diagnostic tests, and any statements from your healthcare providers that explain how your condition limits your ability to work. Without strong medical evidence, your claim is at risk of being denied. Many claims fail simply because they lack sufficient medical details, which is why it’s important to work with an experienced disability lawyer who can ensure all the necessary information is submitted.
At GCC Law Firm, we understand the importance of presenting thorough medical documentation. Our team works closely with you and your healthcare providers to compile all the medical evidence necessary to make your case as strong as possible.
Why a Skilled Disability Attorney Can Make a Difference
While the SSA provides resources for applying for SSDI, there are significant benefits to seeking the help of a knowledgeable disability attorney. An attorney can provide the following advantages:
- Expert Guidance: SSDI lawyers are familiar with the complexities of the system and can help you complete each step of the process correctly.
- Gathering and Presenting Evidence: A lawyer knows how to collect and present the right evidence to support your claim. This includes medical records and employment history that prove your eligibility.
- Higher Approval Rates: Statistics show that applicants who work with attorneys have a better chance of being approved for SSDI benefits, especially if they are facing an appeal.
- Help with Appeals and Hearings: If your initial application is denied, a lawyer can represent you during the appeal process, helping to ensure your case is given a fair hearing.
What to Expect When You Work with GCC Law Firm
At GCC Law Firm, our goal is to guide you through every step of the SSDI application process. Here’s what you can expect:
- Consultation: We’ll begin with an in-depth consultation where we’ll review your medical condition and work history to determine your eligibility.
- Collecting Evidence: Our team will help you gather all the medical and employment records you need to support your claim.
- Completing the Application: We’ll assist you in completing the SSDI application, ensuring that all required details are included to avoid delays or denials.
- Ongoing Communication: Throughout the process, we’ll provide regular updates and answer any questions you have about the status of your claim.
While you can apply for SSDI on your own, working with a disability attorney from GCC Law Firm can increase your chances of success. We are committed to helping individuals in Chicago and across Illinois obtain the benefits they deserve.