Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are both programs administered by the Social Security Administration (SSA) to support individuals who cannot work due to disabilities. However, they differ in key ways:

·         SSDI is based on work credits accumulated through previous employment and is funded by Social Security taxes.

·         SSI is a needs-based program for individuals with limited income and resources, regardless of their work history.

SSDI requires a qualifying disability and sufficient work history, while SSI is available to those with limited income and resources, including older adults and people with disabilities.

To qualify for SSDI, the Social Security Administration defines a disability as a medical condition that:

·         Prevents you from performing substantial gainful activity (SGA),

·         Is expected to last at least one year or result in death, and

·         Is severe enough to impact your ability to perform past work or adjust to other types of work.

Common qualifying conditions include severe physical and mental impairments, such as chronic illnesses, musculoskeletal disorders, neurological conditions, and mental health disorders. The SSA has a specific list of impairments, but even conditions not on the list can qualify if they significantly impact your work capacity.

You can apply for SSDI benefits by:

·         Online: Visit the SSA’s website and complete the application.

·         Phone: Call the SSA’s toll-free number to start the process.

·         In-Person: Schedule an appointment at your local Social Security office.

It’s essential to gather all necessary documentation, including medical records, employment history, and proof of your condition. At Vassallo, Bilotta & Davis, we assist clients with gathering documentation, completing applications, and maximizing their chances of approval.

The timeline for an SSDI decision varies but typically takes three to five months. The SSA reviews your medical and employment records to determine eligibility. If additional documentation is needed, the process may take longer. If your initial claim is denied, appealing can extend the timeline by several months. Many applicants go through a multi-level appeals process, which includes reconsideration, a hearing, and further appeal options.

Common reasons for SSDI denials include:

·         Insufficient medical evidence proving the severity of the condition,

·         Lack of recent work credits (usually, applicants need to have worked at least five out of the past ten years),

·         Failure to follow prescribed treatment, and

·         Earnings above the Substantial Gainful Activity (SGA) threshold.

A denied claim does not mean you’re ineligible. Our experienced attorneys at Vassallo, Bilotta & Davis can review your case, address the reason for denial, and assist with the appeals process to improve your chances.

Yes, but there are strict limits. The SSA allows SSDI beneficiaries to participate in a Trial Work Period (TWP), where they can test their ability to work for a limited period without affecting benefits. During this period, you may work and still receive SSDI, provided your earnings don’t exceed specific limits. After the TWP, if you continue to earn over the SGA limit, your benefits may be discontinued. It’s crucial to report any work activity to the SSA and understand how it could impact your benefits. Consult with our legal team for guidance on balancing work and SSDI benefits.

If your application is denied, you have the right to appeal. The appeals process involves several steps:

1.       Reconsideration: A new review of your claim by the SSA.

2.       Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge.

3.       Appeals Council: If the hearing decision is unfavorable, you may take your case to the Appeals Council.

4.       Federal Court: As a last resort, you can file a lawsuit in federal court.

At Vassallo, Bilotta & Davis, we guide clients through each stage of the appeals process to strengthen their case and increase the likelihood of approval.

An experienced SSDI attorney provides invaluable support in:

·         Preparing the initial application: Ensuring all documents are accurate and complete.

·         Gathering and organizing medical evidence: Strengthening your case with proper medical documentation.

·         Handling denials and appeals: Navigating the appeals process if your claim is denied.

·         Representing you in hearings: Advocating for your case before an Administrative Law Judge if necessary.

Our team at Vassallo, Bilotta & Davis has decades of experience in SSDI cases. We work tirelessly to help clients secure the benefits they need for financial stability.