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What Is SSDI blog header image

What is SSDI?

Social Security Disability Insurance is a program aimed toward those who are either mentally and or physically incapable of working or are very limited. This is different from Supplemental Security Income which is another program that helps those who have barely any or no income and are in need of serious assistance. Usually those who are alot older or have some disability file for this type of supplemental program.

Firstly, the amount that you would be paid in monthly benefits for Social Security Disability drastically differs from person to person. It is dependent on things such as your lifetime earnings, how many years you worked, your income during those years, your disability and your disability rating. Remember that for your payment to be calculated, there are many things the SSA uses to do so. 

Your earnings throughout your life are taken into consideration as well and there are not many things left that you can do to increase your chances of approval after you have applied. 

Looking to increase your VA rating is one of the only options. Your VA rating is your % that is given that rates your symptoms you experience after a service connected disability. This can sometimes be raised depending on if your condition has worsened and will help expedite your claims process as well.

To be eligible for SSDI you need to have a certain amount of work credits. Work credits are calculated by your earnings. For 2021, 1 work credit is equal to $1,470. The maximum work credits earnable in a year is 4 which is equal to $5,880. With work credits, the older the age you are, the more work credits are required for your eligibility. 

According to the Social Security Administration, your retirement age would be 66 years and 10 months if you were born in 1959 and if you were born in 1960 and any year after, your full retirement age would be 67 years old. Depending on whatever age your full retirement age is, this is where you will be able to receive the full benefit amount that you are qualified for. The earliest in which you can start receiving Social Security benefits is age 62, but your benefits will not be the full amount since it is not your FRA. 

Attorneys can also help improve your chances if you decide to appeal your denied claim. Your attorney through the initial claim process will be the same attorney you will work with for the appeal of the denied claim, and remember to always appeal a denied claim. Majority of the time it takes more than one try to receive those benefits so remember to keep fighting for what is yours. 

  Statistics online also show that those who use an attorney for representation were twice as likely to have a successful claim. That alone should be enough to show the importance of hiring an attorney. That all in mind, the limit for the fees attorneys can charge for representation is limited to $6,000 or 25% of your backpay. (whichever is lower!)