As the leaves change and temperatures drop, the challenges of living with a disability don’t pause. For many, bills continue to arrive, and daily responsibilities don’t stop, even when you can’t work. Social Security Disability Insurance (SSDI) benefits are designed to provide financial support during these difficult times. However, applying for these benefits can be confusing and time-consuming. Having an attorney for SSDI in Philadelphia can make the process smoother and help ensure your application is completed properly.
When Should You Apply for SSDI?
Many people delay applying for SSDI benefits, waiting until other income sources—like workers’ compensation or private disability insurance—run out. However, because the approval process can be long, it’s best to start your application as soon as your disability affects your ability to work.
The earlier you begin, the sooner you can access the financial support you need to manage daily expenses and focus on your health. Fall is a good time to review your situation and start the application before the holiday season adds additional financial strain.
How Long Will It Take to Get Benefits?
While Social Security suggests it generally takes three to five months for a decision, the reality is often longer. In recent years, the average time for an initial SSDI decision has ranged from seven to eight months.
Moreover, about 67 percent of first-time SSDI claims are denied, meaning applicants often enter a lengthy appeals process. This makes the guidance of an SSDI benefits lawyer valuable, helping you navigate the process efficiently and avoid delays.
Why the SSDI Process Takes Time
Social Security’s Disability Determination Services (DDS) must review each application thoroughly. This involves:
- Verifying your employment history and Social Security contributions
- Collecting and reviewing medical records
- Evaluating the severity of your disability and its impact on your ability to work
With staff shortages and a growing backlog, wait times have increased. Over a million applicants are currently waiting for initial decisions. For someone living with a disability, this delay can create serious financial and emotional stress. A SSDI benefits lawyer can help ensure your application is accurate, complete, and ready for review, reducing the risk of unnecessary delays.
Preparing to Apply This Fall
Before applying, you’ll want to gather important information:
- Employment history: You must have worked long enough in a job covered by Social Security to qualify.
- Current work status: If you are working, your income must remain below the substantial gainful activity limit ($1,550 per month in 2024).
- Severity of your condition: Your disability must significantly limit your ability to perform basic work-related activities and be expected to last at least a year or result in death.
- Listing of medical conditions: SSA maintains a “blue book” of recognized disabling conditions. If your disability isn’t listed, SSA will determine if your condition is equivalent to a listed disability.
- Ability to perform other work: SSA will consider age, education, and transferable skills when deciding if you can do another type of job.
A SSDI benefits lawyer can help you gather the documentation needed to show how your disability affects your ability to work.
Understanding the Five-Year Rule
If you previously received SSDI benefits and need to reinstate them, you may qualify under the five-year rule. This allows you to potentially resume benefits without completing a full application again. However, after five years, you must submit a new application. An attorney for SSDI can help you understand your options and ensure you meet the deadlines for reinstatement.
How a Lawyer Can Help
Filing for SSDI benefits involves detailed paperwork, strict deadlines, and careful documentation. Even small mistakes can lead to denials, which trigger a time-consuming appeals process.
A SSDI benefits lawyer can:
- Guide you through eligibility requirements
- Assist in gathering medical records and documentation
- Help complete your application accurately
- Provide guidance on updates and issues during the process
- Advise and represent you during appeals if your claim is denied
With legal guidance, you are more likely to get your initial application approved, helping you avoid months or years of delays.
Take Action This Fall
Don’t wait until the new year or let financial pressures mount. Fall is an ideal time to start your SSDI application or review your current status. Preparing now ensures your application is accurate and ready for submission, improving your chances of timely benefits.
Our attorneys at Silver & Silver are here to help you every step of the way. Contact us online to schedule a free consultation. Let us help you secure the support you need to manage your disability and daily life.
Disclosure:
This website is designed to provide only general information. The information presented on this website is not formal legal advice. You should not rely on any general information from any source for making legal decisions. Each legal matter is unique and requires specific attention from a qualified and experienced attorney. Unless a representation agreement has been signed with the Law Offices of Silver and Silver, we are not your legal representatives.
