filing for disability

Filing for Disability

Filing for disability is something a lot of people do but get denied for 50% of the time. What’s even more surprising is the reason behind the statistic – non-eligibility.  People can spend a lot of time and, perhaps, a little cash trying to gather the requirements, making frequent trips to their doctor in the hopes of building a case strong enough to convince the administrative judge that they deserve to receive benefits.  In the end, all their efforts fail.  Aside from cases that involve unique or isolated circumstances, most Social Security disability denials are due to misread or misunderstood information.  If you are considering filing for disability, check your facts. Learning how to apply for disability isn’t hard, but it is very specific as far as the requirements go, so be sure you know them for your highest chance of success.

Filing for Disability–Fact #1

First off,  Social Security Disability defines disability as a medical situation that renders a person completely incapable of working.  This is important to know when filing for disability. Furthermore, this medical situation should involve a sickness that can lead to death, or has affected or is expected to affect the applicant for a minimum of one year.  The term, “disability” is also strictly reserved for where the individual is completely, not partially, disabled, and knowing this is a big part of how to apply for disability correctly.

Filing for Disability: How to Apply for Disability–Fact #2

Social Security Disability has come up with a list of conditions it acknowledges as “disabling.” What most people don’t know is that filing for disability benefits is also possible for mental conditions such as bipolar disorder. However, criteria for eligibility can be stringent.  One of the first things you need to know about how to apply for disability is that the applicant’s case has to be medically documented, either continuously or per episode.  Second, the condition has to be observable by other people, where the affected person shows a dramatic decline in personal and social functioning and has, at least, a two-year history of chronic affective disorder where symptoms are managed by medications or psychological therapy.

Filing for Social Security Disability–Fact #3

If you’re filing for disability, the above are the first few points you should consider when deciding whether or not to go for claims. Next is your work history. You have to be fully insured, meaning, you have earned 40 credits in ten years spent in jobs where you were covered, where one credit equals $ 4, 480 in earnings (2011).  If you’ve been working for less than a decade, a different set of criteria will be used to assess your eligibility in terms of work duration.

Third, when filing for disability, expect to be evaluated by virtue of your latest job, where you are supposed to have earned no less than 20 credits within the last five years (still out of a ten-year work history) counting from the calendar quarter of your disability backwards.  Alternatively, young people who became disabled without possibly having spent ten years in a job will be screened using different but related tests. These are all parts of how to apply for disability that you should be prepared for, as you will encounter them in the application process.

Aside from work duration, another point Social Security will consider is your capability to work in another environment, where your age, educational and employment background, skills and medical condition all factor in when filing for disability.  The greater the possibility that they find you capable of holding a certain type of job, the lower your chances of getting benefits.

When filing for disability, make sure you have your facts and information straight in order to avoid wasting time, energy and funds.

Like this post? Subscribe to my RSS feed and get loads more!