SSDI is a program that can provide you with monthly cash benefits if you are considered disabled for 12 months or longer and have earned enough work credits by paying into "FICA." Your monthly payment is based on your age, years of employment, and salary. If you remain on SSDI for 24 months, you will qualify for Medicare beginning the 25th month.
How to apply: You need to apply for SSDI through the Social Security Administration by calling 1-800-772-1213. The Social Security operator will help you arrange a telephone interview with your local Social Security district office.
After completing your telephone interview with the Social Security worker, s/he will send you a copy of the information that you provided.
You will need to read this carefully to make sure the information is correct, sign it, and return it to the Social Security Administration. The Social Security worker will also send you a "Disability Report" which you will need to complete and return.
What to do if you are denied: Many people do not receive SSDI benefits the first time they apply, but go on to become eligible when they follow through with the SSDI appeals process. Therefore, do not give up if you are denied benefits. You can appeal the Social Security decision by taking the following steps:
- File for a "Reconsideration" at your local Social Security office within 60 days after your denial.
- If denied during the "Reconsideration" you have additional appeals options. Ask your Social Security worker to explain this process, or contact your UI Hospitals and Clinics social worker.
Links:
http://www.ssa.gov
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