Jesse knew it was time to stop working at the construction site when every day became more painful. He tried to find other work that was less strenuous but had no luck. As he planned to quit his job, he worried about how to support his family. A friend reminded him about Social Security Disability Insurance (SSDI) benefits. Now, Jesse needed to find out when and how to apply for SSDI benefits.
The “When”
It’s usually best to apply for Social Security Disability Insurance benefits (SSDI) as soon as your disability prevents you from working. Here’s why:
- Alleged Onset Date. The Social Security Administration (SSA) considers your alleged onset date to be the date you submitted your application. Retroactive SSDI benefits are generally calculated from your alleged onset date.
- The Wait Period. Most people do not receive SSDI for the first five months they are disabled. The period you spend waiting for benefits begins on the onset date, which is decided by the SSA.
Waiting to file your application could reduce your retroactive payments and back pay. When your disability reaches the point you can no longer work, it’s time to apply for SSDI.
The “How”
As with many government programs, the application process can be difficult. You can access information and forms from the SSA’s website or by picking up forms from a local office. In addition, you may call their toll-free number, 1-800-772-1213.
Be prepared to submit supporting documents and information about:
- Your birth and citizenship status.
- Marital status.
- Information about children under the age of 18.
- Military service,
- List of medical conditions,
- Medical records already in your possession,
- Education and training history,
- Employment history, including self-employment information.
Also, the SSA will need banking information to set up direct deposit and an alternate contact number.
During the application process, an SSA caseworker will interview you by phone or in person. Have copies of your application and supporting documents at hand to make answering questions a little easier.
Remember that if your initial claim is denied, you may be able to appeal the denial.
Sound Complicated? You Don’t Have to Do It Alone.
The application process can be long and frustrating, so you need someone on your side. The attorneys at The Law Offices of Martin Taller have more than 50 years’ experience. For a free consultation, call us at 714-385-8100. Though our office is located in Anaheim, we assist clients throughout Southern California.
