Disability benefits can be a lifeline for those unable to work due to health issues. However, elderly individuals often face unique challenges when applying for these benefits.
Understanding the most common barriers can help older adults and their families prepare for the claims process. Below are some crucial points to consider.
Confusion between different types of benefits
Many older adults believe they cannot receive Social Security Disability Insurance (SSDI) once they begin collecting retirement benefits. This is partly true. After full retirement age, SSDI converts to retirement benefits automatically. However, those under full retirement age who are disabled may still be eligible for SSDI. Misunderstanding this rule often stops people from applying.
Proving disability can be harder with age
Older adults may face more skepticism when claiming disability. Some decision-makers may assume age-related limitations are natural rather than disabling. Additionally, conditions like arthritis, heart disease, or cognitive decline may not meet the strict criteria used by the Social Security Administration (SSA). It can be challenging to demonstrate that these impairments severely limit one’s ability to work.
Incomplete medical records
Successful claims often rely on detailed medical evidence. Older adults may have gaps in care or records that are scattered across different providers. Some may also struggle to gather documentation due to mobility issues or memory loss. Without up-to-date records, the SSA may deny the claim due to a lack of evidence.
Indiana follows federal rules for SSDI and Supplemental Security Income (SSI), but state resources to help with applications may be limited. Long wait times for hearings and few local SSA offices can make the process even more frustrating for older residents.
While age should not prevent someone from applying for benefits, the process can be complex. Seeking legal guidance can help move you toward a successful claim.