How to Apply for SSDI

If a disability keeps you from working and you need to apply for Social Security Disability Insurance (SSDI), you’re already facing a stressful situation. Unfortunately, SSDI applications are notoriously complex and claims are frequently denied. 

Talbot & Kesling at Capital Injury Law are committed to equipping you with the knowledge for a successful SSDI claim. The first step to the process is simply knowing where to start and gathering what you’ll need. Let’s discuss what Social Security Disability is, how to apply for SSDI, and how legal representation can help.

What is SSDI?

Social Security Disability Insurance (SSDI) is a federal program designed to provide financial assistance to individuals who are unable to work due to a qualifying disability. This insurance is funded through payroll taxes, meaning that eligible workers have contributed to the system through their earnings over the years. 

SSDI benefits are intended to replace a portion of your income if you can’t work because of a medical condition. Disability benefits may also include Medicare after two years of enrollment.

Social Security Disability Insurance Eligibility

Before applying for SSDI, it’s important to determine whether you meet the eligibility requirements. These requirements are complex, especially regarding qualifying disabilities, which is where a lawyer can help bolster your SSDI application with the right evidence and statements. 

The general eligibility requirements of SSDI are to have a sufficient work history and a disability. 

1. Work History: You need to have a sufficient work history, which typically means having worked in jobs covered by Social Security for a certain number of years. The Social Security Administration (SSA) uses a work credit system to assess your eligibility. 
2. Medical Condition: You must have a medical condition that meets the SSA’s definition of disability. This means your condition must be severe enough to prevent you from performing any substantial gainful activity (SGA). It must also have lasted or be expected to last at least 12 months. 

How to Apply for Social Security Disability

Applying for SSDI can be done in several ways:

1. Online Application: The SSA provides an online application portal on their website, allowing you to start your application from the comfort of your home. Visit the SSA’s website and follow the instructions to fill out the online application.
2. By Phone: You can apply by calling the SSA’s toll-free number at 1-800-772-1213. An SSA representative can help guide you through the application process and answer any questions you may have.
3. In-Person: Visit your local Social Security office to apply in person. While this option is less common due to the convenience of online applications, it can be useful if you need personal assistance.

After you submit the application, you may be asked to provide additional forms or information. The application review process typically takes several months. You can check its status by signing in to your Social Security account. Finally, you’ll receive a letter approving or denying your application.

What You’ll Need for an SSDI Claim

The SSDI application process can be tedious, requiring detailed information and records with strict deadlines. Even small errors can lead to your claim being rejected. Here is an overview of what you’ll need to supply.

Medical Records

The cornerstone of any SSDI application is comprehensive medical documentation. You must provide detailed records from all medical professionals who have treated you for your disability. This includes hospital records, lab results, imaging reports, and records of any treatments or surgeries.

Statements from Medical Professionals

Statements from your doctors, specialists, or other healthcare providers can significantly bolster your claim. These statements should include your diagnosis, treatment plan, prognosis, and how your condition impairs your ability to work. It’s crucial that these statements are detailed and specific to demonstrate the severity of your condition.

Daily Living Impact Statements

In addition to medical evidence, the SSA will consider how your disability affects your daily life. Statements from you and those close to you—such as family members or caregivers—can provide insight into how your condition impacts your daily activities and overall quality of life. These personal accounts help illustrate the real-world effects of your disability beyond medical terms.

How an Attorney Can Help with Your SSDI Application

The SSA has strict deadlines and requirements, and as they sift through so many applications each year, many valid claims will slip through the cracks. A simple mistake or omission on your SSDI application is all it takes to be denied.

Individuals who are denied Social Security Disability benefits often turn to a lawyer for the appeals process. But at that point, you’ve already waited several months for the benefits you need. You can greatly increase your chances of approval by working with a Social Security lawyer from the beginning.

What a Social Security Disability Lawyer Does

With expertise in SSDI and relevant state laws, your attorney can help guide you through every step of the application. They can help manage all the details and deadlines, ensuring nothing gets missed, while also providing expert advice on improving your claim. 

Specializing in SSDI, Talbot & Kesling at Capital Injury Law will carefully oversee your application. We’ll help identify any gaps and recommend ways to make your case more compelling.

Schedule a Consultation with Talbot & Kesling

If you’re considering applying for SSDI in Washington or have encountered challenges with your claim, Talbot & Kesling is here to help. Our team specializes in SSDI and is dedicated to ensuring you receive the benefits you deserve, with a proven track record of success.

Contact us today to schedule a consultation and take the first step toward securing the financial support you need. At Talbot & Kesling, we’re committed to advocating for your rights and helping you achieve a successful SSDI claim.