In the U.S., the participation rate in the labor force for people with disabilities, ages 16–64, increased from 40.2% in May 2023 to 41.7% in May 2024. In May, among workers ages 16-64, 6,490,000 workers with disabilities represented 4.3% of the total 150,139,000 workers in the U.S.
The Social Security Disability Insurance (SSDI) offers many benefits for people with disabilities. For example, California Social Security Disability Insurance benefits cover essential expenses such as medical care, housing, and daily living costs. A common challenge when claiming insurance benefits is undergoing the process, which can involve delays or even denied claims.
If you have a disability and live in California, it’s important to know your rights and choices to have a better quality of life. It can be difficult to figure out if you are eligible for benefits, apply for them, challenge denials, and keep track of your ongoing benefits.
The article will explain SSDI in California and how to improve your chances of approval.
Understanding SSDI Eligibility Requirements in California
In California, you have to meet a few specific requirements before you can get Social Security Disability Insurance benefits.
The individual must have a disadvantageous impairment that prevents them from working. This impairment would have to be either expected to last for no less than twelve months or result in death, as per the Social Security Administration.
The claimant is required to present work credits. Earning work credits is based on how much you’ve worked. You need 40 credits, with 20 of them earned within the past 10 years. The requirements are different for younger workers.
The person will not be allowed to engage in substantial gainful activity (SGA) while his/her application for SSDI is still pending. Understanding these prerequisites will help serve as a benchmark for qualifying before entering professional application phases.
The Application Process for SSDI Benefits
To make the process relatively smooth, you need to break down the application process into manageable steps.
According to disability attorney Elizabeth L. Gade, you need to gather all the required documents, such as medical records and work history. You can file your application online, over the phone, or in person at the local Social Security office.
Upon completing all the information and submitting your application, it will go through an examination process, with final approval typically issued within three to five months. You may be required to provide additional information for your application.
Types of Benefits Available Through SSDI
After you apply for SSDI and the application is received and reviewed, you should consider the type of benefits you are entitled to if it gets through.
The actual bulk of the SSDI benefits consists of a monthly payment issued to the wage-loss victim for their living expenses. After 24 months on SSDI, an individual may be awarded financial benefits only if they agree to enter into a Medicare insurance agreement that covers essential healthcare expenses.
Your dependents can receive auxiliary benefits on your work record. In certain cases, you may receive a lump-sum payment of back benefits. If your health improves, you may qualify for vocational rehabilitation services to assist in your return to the workforce.
What to Do If Your SSDI Claim Is Denied
In case your SSDI appeal is rejected, you can always contest the decision.
Read the denial letter again carefully and find out the reasons for the denial. Prepare any additional medical evidence or documents to substantiate your case.
Apply for reconsideration before the Social Security Administration (SSA) within 60 days of denial. If the reconsideration fails, you can request an administrative hearing before the administrative law judge.
Consult an experienced attorney or someone experienced in SSDI claims. These specialists can provide valuable input regarding the process and prepare the appeal to give it a higher chance of success.
Tips for Maintaining Your SSDI Benefits
Regularly update your medical records and employment status so that you can promptly communicate any changes in your situation.
Consult your healthcare providers to arrange all necessary medical documentation and doctors’ statements. Another option is to consult a disability attorney before seeking employment.
All kinds of communications with the Social Security Administration (SSA) must be documented. Attend any hearing or review that has been scheduled. Missing out on even one hearing can jeopardize your case and invalidate your claim.
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