Even if you have a severe disability, getting the Social Security Disability (SSD) benefits you need is never easy. In fact, most disability claims are initially denied. Fortunately, however, there are several steps you can take to strengthen your disability claim - and thereby increase your chances of receiving the benefits you need and deserve.
Individuals who are injured or disabled and unable to work may be eligible for Social Security Disability (SSD) benefits. But the process of obtaining benefits is not always easy.
In the military, there are thousands of jobs, from combat infantry, to F-15 and A-10 pilots, to accountants and truck drivers. And servicemembers doing any of these jobs can suffer injuries that result in disabilities. Many of these disabilities may have nothing to do with combat, but nonetheless, are service-related disabilities.
The complexity of a Social Security disability insurance (SSDI) case means that the benefit determination process is typically time consuming. In addition to the increase in applications for SSDI benefits, one of the reasons the backlog of SSDI cases exists is the intricacy of the cases. For applications that involve a detailed medical record of treatment for many medical conditions, the sheer number of pages and the potential density of the records, means that assessing the claimants medical condition is not easy.
The large numbers of the Social Security programs are sometimes incomprehensible. Most people simply do not have experience working with such large numbers. The average household in Ohio earns $48,071 per year, a number most people can understand. By contrast, Tiger Woods earned $59.4 million, a number difficult to grasp. You can make some sense of it, if your break it down by hour, or $6780. This means Tiger Woods earns as much as the average Ohio household earns in a year in seven hours.
Social Security disability insurance (SSDI) is a program that provides benefits for workers who have developed a disease or suffered an injury that has left them unable to work. The program has a fairly rigorous application process, with over 70 percent of applicants being denied benefits. Yet the program is being heavily attacked due to growth in the number of recipients of SSDI benefits.
Many applications for Social Security Disability Insurance (SSDI) benefits are denied by the Social Security Administration (SSA). Statistics support this, with roughly 70 percent of initial applications failing to be approved by claims adjudicators. In 2010, SSA reports that only 27 percent of all adjudications were approved. There are probably as many reasons for this as there are applicants.
When we talk about long-term costs of Social Security Disability Insurance (SSDI), we often think about 10-, 20- or maybe 50-year time frames. Sometimes, as when chief actuary for the Social Security Administration, discussed the state of the SSDI program in the year 2085, it is hard to really come to grips with a potential event 72 years in the future.
In testimony before the House Ways and Means Social Security subcommittee., Joyce Manchester, an analyst at the Congressional Budget Office (CBO), suggested that one way to improve the economic health of Social Security Disability Insurance (SSDI) would be to reduce the number of workers who need SSDI. If employers could help keep workers healthy while they are employed and provide greater support for workers who have some disability, to enable them to remain employed, the demands on SSDI could be reduced.
As a growing chorus of voices continues to decry the growth of the Social Security disability insurance (SSDI) program, it is easy to get lost in the numbers. Yes, the program has grown and yes, the trust fund has been exhausted. Too often, underlying the outrage is the implication that the program has grown only because of fraud. If we could only kick off all the fraudulent recipients, all of our problems would be solved.