Citizens of McDonough who have a medical condition that prevents them from working can apply for Social Security Disability (SSD) benefits. Actually getting approved for those benefits, however, can be much harder. Applicants are routinely turned down, especially on the first try, which can be disheartening if you need that money to support yourself and your family.
Sometimes a simple error can lead to a rejection. Other times, there wasn’t enough information in the application to prove the medical condition is disabling you from work. Whatever the reason, it can be hard to know what the Social Security Administration is looking for if you aren’t trained in the process. This is where talking to a McDonough Social Security Disability lawyer can make all the difference in the response you get.
At John Foy & Associates, we have been helping people for 20+ years get approved for the SSD benefits they desperately need. We know how important that money is to you and your family. If you’ve already applied and been rejected, we can look at the reasons behind it and make the necessary improvements. If you’re in the process of applying or are planning to apply, we can help you with the entire process, putting together a complete application and walk you through any hearing or appeals processes.
For a FREE consultation to speak with one of our attorneys about your SSD application, contact us today. Call 404-400-4000, or fill out the form to your right for the free consultation.
How Does Social Security Disability Work in Mcdonough?
Social Security Disability, or SSD, is a program set up by the government as part of the federal Social Security Act. The purpose of SSD is to provide benefits to workers who can no longer continue working due to a medical condition. SSD benefits are what allow workers to still pay their bills, have a home, and take for themselves and their families even after they are prevented from working. If a person is approved for SSD, they will start receiving monthly payments through Social Security Disability Insurance (SSDI).
There are a few areas of confusion when it comes to Social Security Disability benefits in McDonough. Here’s what you need to know:
Social Security benefits are paid through taxes
SSD is not a handout. When you were working, you paid Social Security taxes that were taken out of each paycheck. SSD works the same way as the Social Security you can collect when you retire. When you are disabled from working, you are entitled to SSD benefits because you paid for them when you were employed.
You need to have a work history
Since SSD benefits are paid through the taxes you paid while working, to qualify you must have worked regularly over the past 10 years. This time does not need to be continuous, though. If you were unemployed or working part-time at some points during that time, you can still qualify.
(If you don’t have a long enough work history but are low income, you might still qualify for a separate but similar program called Supplemental Security Income, or SSI.)
The type or nature of disability doesn’t matter
To qualify for SSD, your condition doesn’t have to be a result of an injury on the job (unlike with workers compensation cases). Any disease, illness, or injury that keeps you from working in any line of work can qualify for benefits.
How Do I Know if I’m Eligible for Social Security Disability Benefits?
There are two main eligibility requirements for SSD benefits:
- You must have a medical condition that now prevents you from working.
- You must have enough work credits in the past to qualify for benefits.
If you become disabled at age 31 or older, you typically need at least 20 work credits within the 10 years before you became disabled. These work credits are determined by how much you earned. When the Social Security Administration is determining your eligibility for benefits, they will look at your work history and earnings.
The amount of income needed for credits increases a little each year as average income levels also increase. In 2019, for example, you can receive one work credit for every $1,360 you make. There is a maximum of four work credits “awarded” per year. These credits will stay on your record even if your job changed or you weren’t working for a while.
To be approved for SSD benefits, you’ll need to present proof you have the necessary work history and also have a medical condition that prevents you from working. Your application will need to show:
- Your medical condition has been diagnosed by a doctor
- The condition is either terminal or expected to last for at least a year
- You cannot continue to work in your line of work because of the condition
- You can also not work in other lines of work because of your condition
- Because of your work history, you have enough work credits to qualify for SSD
Does Having a Lawyer Really Make a Difference?
Yes, it can make a huge difference, especially with Social Security Disability applicants. Most people who have a disabling condition meet the above conditions easily—but you must have the right kind of documentation and thorough details in your application to convince SSA of your need for benefits.
A Social Security Disability lawyer will know what the SSA is looking for to approve someone, and they will be able to guide you in everything your application should include. The sooner you can get approval, the sooner you’ll have access to the funds you need to continue living your life.
Talk to a McDonough Social Security Disability Lawyer for Free
Don’t delay getting help with your SSDI benefits application. At John Foy & Associates, we understand how important disability benefits are to a worker. We want to help you make your application as clear and thorough as possible, so the Social Security Administration will see your medical condition is truly disabling and you need these benefits. For a FREE consultation to talk about your application, contact us today at 404-400-4000, or fill out the form to your right to get started.