Monthly Archives: July 2008

What is SSD?

SSD is another name for Social Security Disability, and is the type of disability benefits most “disabled” individuals seek. These benefits are paid out of the Social Security Administration.

Where does the money come from to pay disability benefits?

SSD benefits are paid out of the funds you pay into Social Security during the years that you work.

How do I qualify for SSD benefits?

The first requirement is that you must have paid into the Social Security Administration for a long enough period and in large enough amounts to be considered “Insured.” Next, you must not be “gainfully” employed. You must next be under a “disability” which has lasted or is expected to last 12 months. You must have [...]

How long do I have to apply for SSD benefits?

There is no set time limit in which to apply for benefits. However, the longer you wait, the more benefits you may lose. Also, since your insured status usually ends five years from the last date that you worked, if you wait longer than five years to apply for benefits, it may become extremely difficult [...]

When should I apply for SSD benefits?

As soon as a doctor tells you that you will be unable to work for 12 months or more, or if you have already been unable to work for at least 12 months due to a medical disability.

What is a disability?

This is a legal term used by the Social Security Administration. A disability could be any medically documented condition that keeps you from holding a full-time job for at least 12 months.

Does a disability have to be caused by an accident?

No. A disability can be caused either by an accident, a birth defect, or a hereditary disease process such as Multiple Sclerosis, Cerebral Palsy, ALS, AIDs, or a number of other physical or mental conditions.

How do I apply for SSD benefits?

The road to benefits is a long one. You must first contact your local social security office and make an application for benefits. Information will be taken and you will be informed of a decision by mail in approximately 30-90 days. Almost everyone that applies for SSD benefits is denied at this first stage.

What should I do if I am denied SSD benefits?

You should make a “Request for Reconsideration” within 60 days from the date of your denial letter. More than two-thirds of the people who are denied at the first stage fail to ask for reconsideration. If you do not appeal within the 60-day period, you will have to most likely start all over, and could [...]

Does alcoholism or drug addiction qualify as a disability?

No. In fact, if drug or alcohol addiction is considered a material contributing factor to your disability, you may be denied disability benefits.