Social Security disability benefits can be a lifesaver for individuals who are unable to work due to injuries or illnesses sustained during their employment. They serve as a form of insurance for workers, providing financial support and medical coverage until one can return to work. The only challenge most people face in Indiana when applying for these benefits is the high chance of denial and having to fight to prove their case. Sure, the government has set strict rules and guidelines to ensure that only those who meet the criteria receive assistance. But you can improve your chances of success by being familiar with the application process.
Medical requirement
Your injury or illness details are pivotal in determining if you are eligible for Social Security disability benefits. The Social Security Administration has a list of impairments, called the “blue book,” that automatically qualifies individuals for disability benefits. These include physical and mental health issues such as cancer, heart disease, depression and anxiety disorders.
If your condition is not listed in the blue book, you can still qualify for benefits if you can show that it is severe enough to prevent you from working. This involves providing medical evidence, such as doctor’s reports, test results and treatment history. Make sure to gather every document that can support your claim and present it clearly to the Social Security Administration.
Work history requirement
The Social Security Administration (SSA) will also look at your “work credits” to determine if you have worked long enough and recently enough to qualify for benefits. Typically, you need 40 work credits, with a minimum of 20 earned in the last ten years. Younger workers may qualify with fewer credits depending on age when they become disabled.
Keep in mind that work credits are only earned through working and paying Social Security taxes. So, check ot make sure your employer has been accurately reporting your wages to the Social Security Administration.
At the end of the day, every employee who contributes to the Social Security program has the right to receive disability benefits if they become unable to work due to a severe medical condition. If the SSA denies your first application, rest assured that you can appeal up to the federal court level to get the benefits you rightfully deserve.