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Western Kentucky Social Security Disability Blog

5 common mistakes when applying for disability benefits

If you find yourself unable to work because of a medical condition, you might be scared and uncertain of what your future holds. You may not know what to do or who you can turn to for help. Luckily, there are resources, such as Social Security disability benefits, available to assist you.

However, applying for these benefits is lengthy and confusing. There are various forms to fill out and lots of information to gather.

How to qualify for SSDI?

Being recently disabled can make you feel insecure. You may ask yourself how you’ll support yourself and your loved ones. How will you keep a roof over your head? Where will the next paycheck come from?

As an American, if you meet certain criteria, you could qualify for monetary benefits from the government through Social Security Disability Insurance (SSDI).

You will need to have worked to get Social Security disability

The possibility of getting hurt on the job is a reality for millions of workers each day. Workers’ compensation can help a person cover their medical bills and other expenses, but sometimes workers’ comp isn’t enough. What is an injured employee supposed to do when they suffer a significantly disabling injury?

Social Security disability (SSD) is there around for exactly that situation. Qualifying for SSD is a complex and lengthy process but is worth the effort for those it helps. Two of the biggest factors determining whether you are eligible are what your condition is and how much you have worked.

Will Social Security change in 2019? What to know now

Social Security is a crucial program for millions of disabled Americans. The benefits provided by Social Security allow people to pay their medical bills and everyday living expenses—something that may otherwise be impossible.

Every year, Social Security disability benefits change slightly. Sometime, these changes are positive; sometimes, negative. Either way, 2019 will see some important differences for many SSD recipients.

How to avoid the rejection of your SSDI claim

The approval of social security disability insurance can be strict. As you apply and go through the process, you may want to be aware of what the Social Security Administration is seeking to increase your chances of approval.

After completing the first set of forms, an examiner will interview you to determine if you are eligible. This is an important part of the approval process. If you did your research and believe that you qualify for the SSDI benefits, bring all the documentation you'll need to support your claim.

The safety net of Social Security Disability Insurance

Has an injury or medical condition left you unable to work? Social Security Disability Insurance (SSDI) may be the answer to help provide for you and your family. Funded over the years through a deduction from your paychecks, SSDI functions as a safety net for you and other workers.

To qualify, you must be under 65 years old and have a disabling injury or medical condition that leaves you unable to work. Also, you must have worked at jobs where you had money taken out of your paychecks for Social Security Disability. Additional qualification factors are:

Children, too, benefit from SSI disability benefits

Supplemental Security Income (SSI) provides benefits to millions of people in the United States. Within that group are more than 1 million children who have severe disabilities and hail from low-income households – those with little or no income and resources.

Although an estimated 11 million U.S. children have special needs, few of them meet SSI’s stringent eligibility requirements. To qualify for benefits, the child must have a physical or mental condition that seriously limits his or her activities. In addition, the condition must last or expect to last at least a year or result in death.

Will working a job affect my disability benefits?

Social Security benefits can provide crucial financial help to people with disabilities. Still, the benefits offered are not exactly huge sums of money. These payments are typically just enough to cover the costs of medical bills and everyday living expenses. To supplement your payments, perhaps you are thinking about getting a part-time job. The extra income may sound appealing, but you should think carefully about working while receiving disability benefits.

There are some instances in which working a job could affect the amount of Social Security that you receive. Depending on how much you earn, you risk losing a portion of your benefits. Before you accept a job offer, you should know more about working while collecting disability benefits.

The frustration of being denied SSDI benefits

We see this happen so many times.

Someone – we will call her Dara -- has worked for twenty-plus years and suddenly unable to work any longer, due to lung disease. She has paid into Social Security all that time. There is no question that her disability is genuine. Her doctor vouched for her disability. She applies to the insurance program. Her claim is denied.

The difference between SSDI and SSI

If you are injured, and in need of disability benefits, you've probably worked hard your entire life. When thinking about Social Security, you probably know two things: first, it helps retired and injured people; second, the rules to deciding who gets benefits are hard to understand. You've paid taxes out of your paycheck, and now you need the system to come through for you. How does it all work?

To better understand the Social Security Administration, you should be aware of the programs that provide supplement income: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Knowing the differences between the programs can better guide you when you're in need of benefits.


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Cadiz, KY 42211

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