The Federal government has set up programs for individuals who become disabled and cannot work through the Social Security Administration. Both Social Security disability (SSD) and Supplemental Security Income (SSI) are for disabled individuals, but they operate differently and have different requirements. A disability lawyer in Detroit can help you determine which program is most suitable for your needs and can help you if you are initially denied.
Detroit Disability Attorneys Explain How You Qualify for Social Security Disability
As your disability lawyer in Detroit will tell you, chief among the requirements for receiving SSD is that either, you have a disability that will prevent you from being able to work any job you have held in the past 15 years for at least 12 months, or you have a disability that results from a terminal condition. Meeting this bar is just the beginning, however, for the SSA has a complex process for determining disability. This is one of the reasons you might want to consider hiring a disability lawyer in Detroit to help.
A Disability Lawyer in Detroit on Other SSD Requirements
To be deemed eligible for SSD benefits, you will need to pass both a duration test and a recent work test. The duration test is keyed to your age, so a person who is, say, 55 will have a different requirement from one who is 45. It establishes the minimum total working years you must have during your lifetime. If, for example, you are in a skiing accident that renders you unable to work for at least a year and you are age 50, you will need to have worked seven total years. Your disability lawyer in Detroit will help you calculate the total number of hours you have worked.
The recent work test means, essentially, that you must have worked a certain amount in recent years. The ski accident victim above will need to have worked five of the past ten years. If he is age 45, however, he will not qualify with these numbers.
Detroit Disability Attorneys Discuss Requirements for Supplemental Security Income
As mentioned, the eligibility requirements for SSI are different. This program was designed to meet the needs of those who have little to no income or assets. As your disability lawyer in Detroit will tell you, unlike SSD, you can continue to work while collecting SSI. Moreover, you do not need to have worked for a minimum number of years.
When you apply for SSI you will need to make a full disclosure of your total assets. This includes income, bank account balances, investments, stocks you hold and their market value, insurance policies and any tangible assets you possess. For instance, you may have a car, or you might even own a home or mobile home. You might own furniture that you believe has no value except to you. Regardless, you need to list these assets.
It is important to note that if your claim for SSD or SSI is rejected, you have the right to appeal, and you absolutely should do so. What is there to lose? Generally claimants have the best chance of being found eligible for benefits when they go before the administrative law judge for a hearing.
Detroit Disability Attorneys Can Help If You Need to Apply or Have Been Denied
If your claim for SSD or SSI has been denied, don’t lose heart. You might still have a good chance of success. Call Marc Shefman, a disability lawyer in Detroit, to arrange a consultation: 248-298-3003.