Any worker who is presently above the age of 20 has about a third chances of become disabled due to injury and illness. This probability assumption applies to the entire working life of the individual. Today, majority of people who work, do it for the money and this entails the dedication of time and effort on creative and productive career pursuits. To continue doing that indefinitely requires a form of cushioning against the unfortunate incidence of disability. That safety net comes in the form of social security disability insurance.
How to apply for disability
You may apply for social security disability insurance by calling the social office toll-free number and following the voice instructions. It is also possible to use a web form available on the administration’s website. The last option would be to go to the offices for social security in your city and make a physical application.
As you get out making your application, making sure, you already have social security and something such as your ID or passport that will help as proof of age. You will need names and addresses of any personnel such as doctors, caseworkers and nurses who have previously treated or taken care of you. Make sure you have the details of all your previous encounters with the health practitioners, especially the dates of visit. Get your medical records; these will include the following.
- Test results from laboratories
- Reports from clinics, therapists, hospitals or caseworkers
Be ready to provide your employment and career records as captured in the following details.
- What you presently do,
- Your previous employment,
- A recent W-2 form/federal tax return copy
Besides the above details, you will also need social security numbers for any family member and proof of the same. Married people also need proof of marriage but this only applies to a spouse that applies for the benefits.
Knowing how to apply for social security is not enough. About 12 million people go through the application process annually and 70% of the claims fail in the initial application process. It takes about 4 to 6 months to process a claim. The appeal process for rejected claims also takes a similar period. Often a case can drag to as much as a year and a half.
In the unfortunate case of a disability, you will need to apply for the social security disability claim. For you to qualify for a disability claim, you need proof to show that your impairment will last for at least a year. In some cases, your ailment may not be on the list of approved impairments and disabilities. If this is the case, then you will need to provide medical evidence. The justification should show that the illness or injury is severe and debilitating.
How to accelerate your claim application
Continue getting consistent medical treatment and care even during the period of your claim. This will help you to justify your claim with complete medical records and doctor’s opinions. Where necessary, you will have to exhaust all available mainstream medical options. The evidence to show that you tried your best, but still failed to get better helps to validate your case.
Confirm with your doctor and any other medical specialists that your claims are correct according to their opinion. Keep a close relationship with your case examiner and furnish them with all the details of your case as well as any other medical condition that arises after your claim application.
Use an attorney
Go out and get a social security disability attorney. Having a lawyer working on your case increase the odds of being approved on the first try. The lawyer will have the experience on working on the application process. He/she will fill all the paperwork and assist you in conforming to all related deadlines for submission of claim details. It will be the work of your lawyer to work directly with your examiner on the case, on your behalf.
When you are picking an attorney, opt for one whose law firm will work on the case without pay, up to the point your claim goes through to an approval. Attorney fees may be too high for you to afford without the assurance that your claim will succeed, so a little caution goes a long way in cushioning your income at this critical time.