Social Security Disability (SSD) is a crucial program designed to provide financial assistance to individuals who are unable to work due to a disability. The program is part of the broader Social Security system, which also offers retirement and survivor benefits. SSD benefits ensure that those who are suffering from long-term disabilities receive the financial support they need to cover living expenses when they are unable to earn a paycheck.
What is Social Security Disability?
Social Security Disability is a federal program administered by the Social Security Disability in California that provides monthly payments to eligible individuals who are unable to engage in substantial gainful activity due to a disability. To qualify for SSD benefits, an individual must have a medical condition that meets the SSA’s definition of disability, which generally means the condition must last at least 12 months or result in death.
Additionally, the applicant must have worked in jobs that are covered by Social Security and have paid Social Security taxes. The number of work credits required depends on the individual’s age at the time of the disability. For example, most people need 40 work credits, with 20 of them earned in the last 10 years before becoming disabled. However, younger individuals may qualify with fewer credits.
Qualifying for Social Security Disability
The process to qualify for SSD can be complex, and many claims are initially denied. The SSA uses a five-step evaluation process to determine if someone qualifies for Social Security Disability benefits:
-
Are you working? If you are working and earning more than a certain threshold (in 2025, $1,470 per month), you may not qualify for benefits.
-
Is your condition severe? Your disability must significantly limit your ability to perform basic work activities.
-
Is your condition listed? The SSA maintains a list of impairments that are considered severe enough to qualify for SSD. If your condition is not on the list, you may still qualify if it is of equal severity.
-
Can you do the work you did before? If you can still perform your previous job, you may not qualify for SSD benefits.
-
Can you adjust to other work? If you are unable to do your previous job, the SSA will consider whether you can adjust to other types of work.
If you fail to meet these steps, you will be denied benefits. However, many claims that are denied initially are later approved through an appeal process.
How to Apply for Social Security Disability
Applying for SSD can be done online, by phone, or in person at your local SSA office. The application will require personal and medical information, including documentation of your work history, the disability, and how it affects your ability to work. It’s essential to provide as much detail and evidence as possible, including medical records and statements from healthcare providers.
It’s often recommended to consult a Social Security Disability lawyer or advocate during the application process. They can help gather the necessary documentation, fill out the forms correctly, and navigate the complexities of the system. In some cases, an attorney will only charge a fee if your case is successful.
The Importance of Social Security Disability Benefits
Social Security Disability provides a critical safety net for millions of Americans who are unable to support themselves due to illness or injury. Without this assistance, individuals with disabilities would struggle to cover essential expenses such as housing, food, and healthcare.
In addition to the monthly payments, SSD recipients may also qualify for Medicare or Medicaid benefits after a certain waiting period. This can help alleviate the financial burden of medical care, which is often a significant concern for those with disabilities.
Social Security Disability is an essential program for individuals who are unable to work due to severe physical or mental impairments. While the application process can be challenging and lengthy, the benefits it provides are crucial for many people. By understanding the requirements, process, and importance of the program, you can ensure that you or a loved one receives the support needed during a difficult time.
If you are considering applying for Social Security Disability, make sure to gather all necessary documentation, and don’t hesitate to seek professional assistance to improve your chances of approval.
Walker Firm, operating under the client-facing brand Casa de la Justicia, helps Spanish-speaking clients with their Social Security Disability Insurance (SSDI) claims. Based in Los Angeles, CA, and founded in 2022, we maintain a remarkable over 70% hearing win rate, surpassing the national average of 55%. With our robust media strategy, we attract over 2,000 clients annually.
In addition, we partner with other local attorneys to ensure the thousands of injured Latinos that call us daily have access to experienced Spanish-speaking attorneys for all their needs, including worker’s compensation, auto accidents and slip and fall cases.
For expert SSDI support and broader legal services, we are your go-to resource. In case you need the user account we’ve created: Credentials: [email protected] walkerfirm-alpha