Are you struggling to work because of a disability? If you are, you’re not alone. Many people in Michigan face this challenge every day. That’s where Social Security Disability Insurance (SSDI) comes in.
SSDI is a program designed to help people just like you.
What is SSDI?
SSDI is a federal program that provides financial support to people who can’t work because of a disability. It’s different from other programs because it’s based on your work history. If you’ve worked and paid Social Security taxes, you might be eligible.
But here’s the thing: getting SSDI isn’t always easy. That’s why many people turn to SSDI attorneys or disability lawyers in Michigan for help.
Who Can Get SSDI?
You might qualify for SSDI if:
- You have a medical condition that prevents you from working
- Your condition is expected to last at least a year or result in death
- You’ve worked long enough and recently enough under Social Security
Before we go further, let’s clear up a common confusion. SSDI is different from Supplemental Security Income (SSI). SSI is based on financial need, not work history. An experienced Social Security attorney in Michigan can help you understand which program is right for you.
Why is SSDI So Hard to Get?
Getting approved for SSDI can be tough. The Social Security Administration (SSA) has strict rules. They deny many first-time applications. But don’t give up! Experienced SSDI lawyers can provide the assistance you need at this critical time.
Here are some reasons why applications get denied:
- Lack of medical evidence
- Incomplete paperwork
- Missing deadlines
- Not meeting the SSA’s definition of disability
An SSDI attorney knows these pitfalls and can help you avoid them.
The SSDI Application Process
Applying for SSDI can feel like a maze. Here’s a simple breakdown:
- Initial Application: You submit your claim to the SSA.
- Review: The SSA looks at your application and medical evidence.
- Decision: You’ll get an approval or denial letter.
- Appeals: If denied, you can ask for a reconsideration.
- Hearing: If still denied, you can request a hearing with an Administrative Law Judge.
Each step has its own rules and deadlines. It’s easy to get lost. That’s why many people in Michigan choose to work with disability lawyers.
How Can an SSDI Lawyer Help?
SSDI attorneys are like guides through the SSDI process. They know the ins and outs of the system. Here’s how they can help:
- Gather the right medical evidence
- Fill out the disability application forms correctly
- Meet all deadlines
- Represent you at hearings
- Guide you through the appeal process if needed
The best part? Most SSDI lawyers work on a contingency basis. That means you only pay if you win your case.
Frequently Asked Questions About SSDI
Q: Can I work while receiving SSDI benefits?
A: Yes, but there are limitations. The SSA allows a trial work period. During this period you can test your ability to work for up to 9 months while still receiving full benefits. After that, you can work as long as your earnings don’t exceed the Substantial Gainful Activity (SGA) limit set by the SSA1.
Q: How does the SSA define “disability” for SSDI purposes?
A: The SSA considers you disabled if:
- You are unable to work as you did before
- You can’t adjust to other work because of your medical condition(s)
- Your disability has lasted or is expected to last for at least one year or result in death.
Q: What medical conditions automatically qualify for SSDI?
A: While there’s no automatic approval, the SSA maintains a Compassionate Allowances list. This is a list for certain severe conditions that may qualify for expedited processing. These include some cancers, neurological disorders, and rare diseases.
Q: Can I receive SSDI and workers’ compensation benefits at the same time?
A: Yes, but your SSDI benefits may be reduced. Your SSDI and workers’ comp benefits cannot exceed 80% of your average earnings. This calculation is based on what you earned before you became disabled.
Q: How often does the SSA review my disability case?
A: The SSA conducts periodic Continuing Disability Reviews (CDRs). The frequency depends on the severity and expected duration of your condition. That can range from every 6 months to every 7 years.
Q: What happens to my SSDI benefits when I reach retirement age?
A: When you reach full retirement age, your SSDI benefits automatically convert to retirement benefits. The amount typically remains the same.
Q: Can my family members receive benefits based on my SSDI claim?
A: Yes, certain family members may be eligible for benefits based on your work record. This can include your spouse, divorced spouse, children, or adult children disabled before age.
Why Choose Michigan SSDI Attorneys?
Local knowledge matters. Social Security attorneys in Michigan understand the local SSA offices and judges. They know what works and what doesn’t in our state. This local expertise can make a significant difference in your case.
What to Look for in an SSDI Lawyer
When choosing a disability lawyer in Michigan, consider:
- Experience with SSDI cases
- Track record of success
- Good communication skills
- Compassion for your situation
- Local knowledge of Michigan’s SSA system
Remember, you’re not just hiring a lawyer. You’re choosing a partner in your SSDI journey.
Ready to Take the Next Step? Contact the Social Security Counseling Center
Living with a disability is hard enough. You shouldn’t have to fight for the benefits you deserve alone. Our team of experienced SSDI attorneys is here to help.
Don’t let the complex SSDI process overwhelm you. Call the Social Security Counseling Center, a service of Aiello Law Group, at 248-281-4247 or contact us online for a free consultation. We’ll review your case, answer your questions, and help you understand your options. Remember, you don’t pay unless we win your case.
You’ve worked hard. Now let us work hard for you. Together, we can navigate the SSDI process and fight for the benefits you deserve.
