Richmond & Charlotte Social Security Disability Qualifications
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If you could, you’d much rather work. You’d never choose to develop health problems that make it impossible for you to continue on the job.
Sometimes, though, things don’t go as planned. And when that happens, Social Security Disability benefits can be a lifesaver.
You get monthly checks to help with essential costs, like keeping food on the table and a roof over your head.
When you worked, you paid into this system. So these benefits are supposed to be there when you need them.
The trouble is, Social Security has thousands of rules for disability benefits and a complex system to decide whether you qualify. Most people get denied when they first apply.
You’re already going through a lot, so at Hunter & Everage, our goal is to make this process easier on you.
What Qualifications Do I Need to Meet?
The requirements for Social Security Disability Insurance are divided into two categories: your work history and your medical condition.
This is the basic work record you need:
- You’ve worked and paid into the Social Security system recently, generally five out of the last 10 years.
And these are the health qualifications:
- Your health problems mean you no longer can work full-time in your past job.
- You also can’t adjust to a new kind of work.
- Your disability is likely to last at least a year, or eventually lead to death.
To prove you deserve benefits, one of the most important pieces of evidence you’ll need is documentation of your medical condition.
What Medical Conditions Qualify Me for Benefits?
Social Security maintains a “Blue Book” list of impairments that can qualify you for disability benefits.
But no matter what medical condition you have, what matters most is the severity of your symptoms and how they prevent you from working. You don’t have to have a diagnosis specifically listed in the Blue Book.
At Hunter & Everage, our first job is to establish your medical condition to Social Security.
To build your case, you need to receive regular medical treatment. And you need to follow the doctor’s orders. If you’re having trouble affording medical care, we might be able to help you find low-cost or free services
Sometimes, when you feel you urgently financial need help, it can be tempting to exaggerate your symptoms on your application.
Don’t do that. It could backfire on you later if a judge notices discrepancies in your records.
Once we’ve established your medical situation, we compare that to your past job responsibilities to demonstrate how your health now keeps you from working.
We see clients with all kinds of health problems, including these:
- Back impairments
- Cystic Fibrosis
- Hearing Loss
- Heart disease
- High blood pressure
- Liver Disease
- Lung disease
- Multiple Sclerosis
- Muscular Dystrophy
- Musculoskeletal disorders
- Parkinson’s disease
- Sickle Cell Disease
- Spine Disorders
- Speech Loss
- Vision Loss
Your exact circumstances are unique.
But with Hunter & Everage, you can get help showing Social Security how your particular health problems keep you from doing your past job — or another job.
Do I Qualify for Other Types of Disability Benefits?
Besides the disability insurance program for people who have recently worked and paid into the system, Social Security also has disability benefits for other groups of people:
- Widow and Widower’s Benefits — If you have a disability that keeps you from working, your spouse has died and you’re over 50, you could receive benefits based on the work record of your spouse.
- Disabled Adult Child Benefits — If you’re an adult with a disability that began before you were age 22 — and you depend on your parent or guardian for support — you could receive benefits based on your parent’s Social Security work record when they die, retire or develop a disability themselves.
- Supplemental Security Income (SSI) Benefits — If you lack the recent work record needed to qualify for Social Security Disability Insurance, but you have limited financial resources and a disability that prevents you from working, you could receive SSI benefits.
- SSI for Children — If you have a child with a disability that prevents him or her from functioning like other children the same age, you could receive SSI benefits to help your family, as long as you meet certain financial requirements.
Each one of these groups comes with its own special considerations when you’re trying to qualify for disability benefits.
No matter your situation, when you need to figure out whether you qualify and how to apply disability benefits, at Hunter & Everage, we’ll guide you through all the options and details.