There are times when everyone needs help and sometimes that help needs to come from the government. As is with everything government related there are forms and factors that you need to know in order to be sure you are successful with your application. Disability benefits are no different. The process may seem confusing and long, but this is necessary in order to evaluate applicants’ needs on an individual basis. Do not let this scare you away from seeking the help that you need. With a little knowledge, understanding the process can be easy.

Disability Benefits

What are disability benefits?

Disability benefits are a program put in place by the government and overseen by the social security administration (SSA). This program allots financial help to adults and children with severe disabilities that impede their ability to work.

Who is eligible?

Social security disability benefits are payable to those who can prove need and are at least 18 years old, also permanently live in an American state or territory.

Generally, there is also a requirement that the applicant has earned a certain number or work credits prior to their application. The number required is 40 and at least 20 need to have been acquired in the last decade. But not let this scare you away as there are some exceptions to this rule.

What is considered a disability?

The SSA will evaluate each application on the information that is provided. To be considered a disability that warrants benefit is the ailment would need to interfere with the individuals everyday work related tasks. The SSA does maintain a list of what they warrant as severe disabling conditions and they will check to see if the applicants’ ailment is on the list. If it is not they will evaluate it based on the symptoms and their severity in order to make a decision. A second list is also in existence that lists compassionate conditions. The conditions contained within this list are usually terminal diseases and inoperable forms of cancer.

When your specific condition is being evaluated, they will consider how it interferes with the tasks and demands of your job and whether other types of employment might be found for you.  To do this they will look at your age, work history, and whether you have any skills that would be transferable to a position where your disability would not be aggravated.

Is there a waiting period for disability benefits?

The waiting period for benefits is 5 months now and you should receive a check in the sixth month, however; if your condition is on the compassionate conditions list there is no waiting period and you are eligible at the time of diagnosis to apply and begin receiving social security disability benefits.

Everything is not cut and dried however, for every rule there is an exception and it is hard for a person to be aware of all of them. For this reason, you may find that enlisting help would be very beneficial. There are companies, such as Myler Disability, that would be more than happy to help you complete your application for disability benefits. They will have a better understanding or the requirements, loopholes, and that can mean a greater likelihood of a successful claim for you.

Marianne Ross wrote this guest post. She is a freelance writer who shares her health and social tips on various blogs.

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