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SSDI: Time to begin the complicated application process is now

We were recently reading a column that gave readers something to think about. If you're 20 years old and working, it's very likely that you won't think much about disability. But the reality is that more than one out of four 20-year-old workers will become disabled by injury or illness before they reach retirement.

Many in Newark have been forced by the circumstances of their health to give up their jobs and careers and apply for Social Security Disability benefits.

A recent column by a Social Security Administration (SSA) employee in an Indiana newspaper explains how SSDI can help those who have disabilities to receive a monthly benefit from the federal agency.

Social Security calculates the amount of the benefit by looking at a person's lifetime earnings, as well as other factors.

The SSA also looks at Medicare benefits eligibility; if eligible, coverage usually begins two years after a person begins receiving the monthly disability benefits.

One of the most important determinations SSA makes is whether or not a claimant's injury or illness qualifies them for benefits. The SSA requires documentation of the disability, including information from doctors and medical facilities.

Something stressed by the SSA: if your disability prevents you from holding a job, you should submit an SSDI claim now.

The initial evaluation process can take three to five months (sometimes longer). If the claim is denied, an appeals process begins.

For many people facing an appeal of their SSDI claim before an administrative judge, the best option is to make that appeal with the help of an attorney who understands how to successfully get through the appeals process and all the paperwork that goes with it.

Source: NWItimes.com, "Social Security can help those who can't work due to disability," Nov. 7, 2013

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