When Do I Apply
A. You should
apply as soon as you become disabled. If you apply for
- Social Security,
disability benefits will not begin until the sixth full month of disability.
The Social Security disability waiting period begins with the first
full month after the date we decide your disability began.
- In Supplemental
Security Income (SSI), we pay SSI disability benefits for the first
full month after the date you filed your claim, or, if later, the date
you become eligible for SSI.
How Do I Apply?
A. You can
apply by calling the toll-free number, 1-800-772-1213. Representatives
there can make an appointment for your application to be taken over the
telephone or at any convenient Social Security office.
People who are deaf
or hard of hearing may call toll-free "TTY" number, 1-800-325-0778,
between 7 a.m. and 7 p.m. on Monday through Friday.
What Do I Need?
A. The claims
process for disability benefits is generally longer than for other types
of Social Security benefits, from 60 to 90 days. It takes longer to obtain
medical information and to assess the nature of the disability in terms
of your ability to work. However, you can help shorten the process by
bringing certain documents with you when you apply and helping us to get
any other medical evidence you need to show you are disabled. These include:
- Your Social Security
- Your birth certificate
or other evidence of your date of birth;
- Your military discharge
papers, if you were in the military service;
- Your spouse's birth
certificate and Social Security number if he or she is applying for
- Your children's
birth certificates and Social Security numbers if they are applying
for benefits; and
- Your checking or
savings account information, so your benefits can be directly deposited;
- Names, addresses,
and phone numbers of doctors, hospitals, clinics, and institutions that
treated you and dates of treatment;
- Names of all medications
you are taking;
- Medical records
from your doctors, therapists, hospitals, clinics, and caseworkers;
- Laboratory and
- A summary of where
you worked in the past 15 years and the kind of work you did;
- A copy of your
W-2 Form (Wage and Tax Statement), or if you are self-employed, your
federal tax return for the past year;
- Dates of prior
marriages if your spouse is applying The documents presented as evidence
must be either originals or copies certified by the issuing agency.
SSA cannot accept uncertified or notarized photocopies as evidence since
we cannot verify their authenticity. Do not delay filing for benefits
just because you do not have all of the information you need. The Social
Security office will be glad to help you.
If you do not have a birth certificate, you may request one from the
State where you were born.
If you are applying
for Supplemental Security Income benefits you also need the following:
- information about
the home where you live, such as your mortgage or your lease and landlord's
- payroll slips,
- bank books,
- insurance policies,
- car registration,
- burial fund records,
- and other information
about your income and the things you own;
How does Social Security Determine Disability?
A. You should
be familiar with the process used to determine if you are disabled. It's
a step-by-step process involving five questions. They are:
- Are you working?
If you are and your earnings average more than $700 a month, you generally
cannot be considered disabled.
- Is your condition
severe? Your impairments must interfere with basic work-related activities
for your claim to be considered.
- Is your condition
found in the list of disabling impairments? We maintain a list of impairments
for each of the major body systems that are so severe they automatically
mean you are disabled. If your condition is not on the list, we have
to decide if it is of equal severity to an impairment on the list. If
it is, your claim is approved. If it is not, we go to the next step.
- Can you do the
work you did previously? If your condition is severe, but not at the
same or equal severity as an impairment on the list, then we must determine
if it interferes with your ability to do the work you did in the last
15 years. If it does not, your claim will be denied. If it does, your
claim will be considered further.
- Can you do any
other type of work? If you cannot do the work you did in the last 15
years, we then look to see if you can do any other type of work. We
consider your age, education, past work experience, and transferable
skills, and we review the job demands of occupations as determined by
the Department of Labor. If you cannot do any other kind of work, your
claim will be approved. If you can, your claim will be denied.
How does Social Security define disability?
Security defines "disability" as the "inability to engage
in any substantial gainful activity by reason of any medically determinable
physical or mental impairment which can be expected to result in death
or has lasted or can be expected to last for continuous period of not
less than 12 months."
What kinds of benefits are there?
are several kinds of disability benefits for which a person can be eligible.
Depending on the facts, you may be entitled to one of these benefits,
or you may be entitled to more than one. The medical rules are the same
for all categories, you must be just as disabled to qualify for one as
for another. The non-medical requirements are different for each category.
Insurance Benefits (DIB) -
You are only eligible for these benefits if you have paid a certain amount
of Social Security tax over a period of time, enough to have disability
insurance coverage in force. In general, you must have paid at least a
certain amount of Social Security tax in at least twenty calendar quarters
during the forty calendar quarters before your total disability began.
In other words, you must have worked and paid Social Security tax for
about five out of the last ten years before you became totally disabled.
There is a different, easier rule for people whose disability began before
age 30. Everyone must prove that he or she became disabled while disability
insurance coverage was in force or they are not entitled to benefits,
no matter how serious the medical condition is now. If your DIB claim
is approved, the monthly payment you will receive is set by your earnings
(and Social Security tax payments) during your working career. There is
no minimum rate, and the maximum a person can receive at this time is
over $1,300 per month. There is a cost-of-living raise in the monthly
payment at the start of most years. In many cases, your dependent children
will also get benefits in addition to your own.
Security Income (SSI) -
SSI can be paid whether or not a person has paid in enough Social Security
tax to get disability insurance benefits. You must be disabled under the
same rules as for disability insurance, or be blind, or be over 65. You
must also have very little income or property, because this benefit is
based on financial need. Social Security looks at all other income and
property in the household you live in, not just your own, and also the
value of any support (like free room and board) you may get from others,
to determine whether you are financially eligible for SSI. Social Security
does this in addition to deciding if you are disabled. Also, some children
18 or younger with a severe disability can get a monthly benefit if their
family income is low enough
Widow/Widower Benefits (DWB) -
This is a special disability benefit for certain widows and widowers,
based on the Social Security tax paid by his or her deceased spouse. In
order to qualify, you must be between ages of 50 and 60, and have been
married for at least 10 years to the person who was covered under Social
Security at the time of his or her death. Also, you must have proof that
your disability was severe enough to meet these rules within seven years
of your spouse's death, with some exceptions for those already receiving
other kinds of Social Security benefits. If you are awarded DWB benefits,
your monthly rate is determined by your spouse's income and Social Security
tax payments. However, a surviving spouse's pension can usually be paid
at the age of 60, regardless of any disability.
Adult Child Benefits (DAC) -
In order to be eligible, you must be a child of a person already receiving
Disability Insurance Benefits or Retirement Benefits, or who died while
covered for Social Security. You must be at least 19 years old, and you
must prove your total disability began before the month you turned age
22, and is continuing. The monthly benefit rate is based on a percentage
of your parent's rate. Therefore, it is different in each particular case.
Is it hard to apply for Social Security disability benefits?
A. No. There
are 2 ways to apply for a Social Security disability claim. The first
is to go to the Social Security District Office and file the claim in
person. The second way is to call Social Security at 1-800-772-1213.
They will arrange for a telephone interview for you. Once the interview
is finished they will send necessary forms for you to fill out. All the
basic information will have been collected during the phone interview.
When can I file for Social Security disability benefits?
A. You can
file for Social Security disability benefits on the day that you become
disabled if you believe that you will be out of work for one year or more.
Sometimes hospital social workers can help you and your family make the
initial contact with Social Security.
Is it necessary to hire a representative to represent me in my Social
Security disability claim?
A. No. Any
claimant can represent himself in all phases of the Social Security disability
process. Claimants with representation win their cases more often than
those who are not represented.
How do representatives who help Social Security disability claimants get
are generally handled on a contingency basis. That means the representative
receives a fee only if you win your case. Normally the fee is 25% of your
back benefits and must be approved by Social Security.
If you do not win
your case there is no fee. There are also costs in each case for which
you will be responsible. These costs are generally fees paid to doctors
for medical records.
Can I get Social Security disability benefits if I expect to get better
and return to work?
A. You have
to have been disabled for at least one year or be expected to be disabled
for at least one year. So, if you expect to be out of work for one year
or more on account of illness or injury, you should file for Social Security
I got hurt on the job. I am drawing worker's compensation benefits. Can
I file a claim for Social Security disability benefits now or should I
wait until the worker's compensation ends?
A. You do
not have to wait until the worker's compensation ends and you should not
wait that long. An individual can file a claim for Social Security disability
benefits while receiving worker's compensation benefits.
I have several health problems, but no one of them disables me. It is
the combination that disables me. Can I get Social Security disability
Security is supposed to consider the combination of impairments that an
individual suffers in determining disability. Many, perhaps most claimants
for Social Security disability benefits have more than one health problem
and the combined effects of all of the health problems must be considered.
My doctor says I am disabled so why is Social Security denying my Social
Security disability claim?
Security's position is that it is not up to your doctor to determine whether
or not you are disabled. It is up to them and they will make their own
decision regardless of what your doctor thinks.
If I am approved for Social Security disability benefits, how much will
A. For disability
insurance benefits, it all depends upon how much you have worked and earned
in the past. For disabled widow's or widower's benefits, it depends upon
how much the late husband or wife worked and earned. For disabled adult
child benefits, it all depends upon how much the parent worked and earned.
For all types of SSI benefits, there is a base amount that an individual
with no other income receives. Other income that an individual has reduces
the amount of SSI which an individual can receive.
VA says I am disabled, so why is Social Security denying my Social Security
A. It is
Social Security's position that VA decisions are not binding upon them.
Social Security and VA have very different standards for approving disability
If I am found disabled how far back will Social Security pay benefits?
A. For Disability
Benefits and for Disabled Widow's and Widower's Benefit, the benefits
begin five months after the person becomes disabled. But, benefits cannot
be paid more than one year prior to the date of the claim.
For a Disabled Adult
Child benefits begin as of the onset date, but benefits cannot be paid
more than six months prior to the date of the claim.
SSI benefits begin
at the start of the month following the date of the claim.
What is the difference between Medicare and Medicaid?
A. The short
answer is that Medicaid is a poverty program and Medicare isn't. Most
disabled people who get Medicaid get it because they are on Supplemental
Security Income (SSI). To get SSI and thereby get Medicaid you have to
be poor and disabled. Medicaid pays doctors at very low rates. People
who have only Medicaid can have a hard time finding doctors willing to
take them on as patients. Medicaid does pay for prescription medications.
Medicaid can go back up to three months prior to the date of a Medicaid
claim. For Medicare it does not matter whether you are rich or poor. If
you have been on Disability Insurance Benefits, Disabled Widows or Widowers
Benefit or Disabled Adult child Benefits for 24 months you qualify for
Medicare. The good thing about Medicare is that it pays doctors at a higher
rate than Medicaid. Almost all doctors are happy to take Medicare patients.
The bad things about Medicare are that it does not begin until after a
person has been on cash disability benefits for two years and that it
generally does not pay for prescription medications.
If Social Security tries to cut off my disability benefits, what can I
A. You should
appeal immediately. If you appeal within 10 days after being notified
that your disability benefits are being ceased, you can ask that your
disability benefits continue while you appeal the decision cutting off
your benefits. You may also want to talk with an attorney about representation
on your case, but you should file the appeal immediately.