Being disabled without money coming into the home can be a nightmare. Those who are recently unable to work may find themselves with more questions than answers. If you are wondering about filing for Social Security benefits, you may have a great deal of angst regarding the process. Most things about the process are common knowledge; however, there are some things that are not talked about as much. You may not be aware of things that can affect you personally.
1. Everyone Has A Five Month Waiting Period
The waiting period is something that many do not consider when filing for disability benefits. First, you must be disabled for at least 12 months or expect to be off work for the next 12 months to qualify. After you have been approved, no benefits will be paid for the first five months. You actually won’t get anything until the sixth month.
The Social Security Administration goes back to the date of your disability. For instance, if you were disabled on February 1, 2017, you will not get a check until August of 2017. There is no way around this waiting period, and it is difficult for those who are suddenly disabled. Most people are owed back pay when they receive their benefits, and they do not feel the pain of losing those five months. However, if you get approved right away, you may be waiting a few months to get any money.
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2. If Your Need Is Great, Then Your Case May Be Fast Tracked!
The Social Security Administration has identified the need for some people to receive benefits right away. If the applicant has a certain illness, their application may be picked to be “fast tracked.” Social Security can speed up the process when they feel a Quick Disability Determinations or a Compassionate Allowance is needed. About 60,000 applicants each year will be fast tracked. This means that the benefits can be approved in as little as three months.
The Administration just added 52 new illnesses to the list in 2011. So, they are aware of the suffering caused from those who wait for benefits for years. However, the waiting period still applies in most cases. Talk to an attorney from the Summit Disability Law Group to see if your condition is on the “fast track” list.
3. You Can Collect Both Disability and SSI Payments
Many people do not know that you can collect both SSDI and SSI. SSI is a need-based program that is used to supplement income when SSDI payments are low. All the figures are based on an average on your wage history. If you make less than a certain amount a month, then they will also give you an SSI check to help supplement your income.
While it is not a huge check, it is enough to help you cover your bills. Some people who collect both SSDI and SSI also qualify for food stamps and a medical card to help pay for incidentals. Everyone who gets SSDI gets Medicare, but they are required to pay a spin down and get supplemental insurance. Those who collect SSI on top of it will receive Medicaid and not have to pay anything.
Legal Counsel Can Help
Filing for disability can be a difficult time. It is best to have an attorney representing you during this process. Whether you are approved right away or need to go to a hearing, you will need the extra support from a legal representative. There are timelines, waiting periods, and plenty of questions that clients are concerned with. Do not try to maneuver the disability program alone, get professional help from someone that knows the ins and outs of filing for Social Security Disability.