A guide to applying for SSDI benefits

Social Security disability insurance supports millions of Americans with disabilities. In fact, upwards of 11 million Americans receive SSDI benefits because they cannot work. You may want to apply for these benefits, but it can be intimidating, especially when you are dealing with income loss, stress and health concerns. 

However, you should not give up. It may seem scary at first, but you may be able to secure the money you need to manage your life with a severe impairment or illness. Keep the following tips in mind when you are applying for SSDI benefits

Figure out if you are eligible

Take a look at what the Social Security Administration considers a disability. There are various conditions that may qualify you, but you have to be certain. Generally, your impairment must be life-threatening or last over 12 months for you to reach eligibility for SSDI coverage. 

Submit your application ASAP

Do not wait around to apply for SSDI benefits. This will only drain your retirement funds and savings. If you do not have a consistent income, you will quickly start struggling financially. The sooner you apply, the better. Plus, your first application may get denied, so you may need to factor in the timeframe of appealing the denial. 

Create a budget

There is often a long wait time to receive benefits. If you are not ready, you may fall into financial ruin while on the waitlist. It may be hard to make ends meet while waiting to receive benefits, so it is crucial to start budgeting and adjusting your spending habits. 

Get help with the process

The SSDI application process can be time-consuming and stressful, so it is a good idea to have legal representation. A legal representative can help you gather important information and fight for you in your application and hearings. Plus, with the help of an advocate, you can be confident in the accuracy of your paperwork.  

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