You work as hard as you can. You’ve been providing for yourself for awhile now. You want to keep working, but you have an injury or illness that makes it difficult. You’ve heard of Social Security Disability Insurance (SSDI), but you don’t know too much about it. Don’t you have to be 60 or older to get that? You’ve always associated Social Security with age, but that’s not necessarily correct.
SSDI is a program that assists those who are no longer able to work due to illness or injury. In order to qualify you will need to have paid into Social Security. If you’ve been working and contributing, it is possible that you qualify.
You will need to prove that your condition leaves you unable to work in a position that you are qualified for. This process may not be simple, but it is possible.
In order to see if you qualify, you will need to fill out an initial application. The application will require time and commitment to complete.
You will need to provide the following information:
- Work experience: You will need to provide a list of your past 15 years of employment. This includes dates, pay and responsibility. There will be questions to answer regarding physical and mental qualifications for these jobs.
- Education: You will need to give a list of your education. This includes all schooling and any job training. The point of this portion is to help determine your entire skill set.
- Medical records: You will need to provide comprehensive medical information. This will include names and locations of your doctors and the facilities where you’ve been treated. You may provide a copy of your medical records or sign a waiver allowing the Social Security Administration to access them.
If you have been working and contributing to Social Security for 15 years, then you may qualify for SSDI. If you suffer from an injury or illness that is keeping you from work, look into your options. Bills can pile up quickly. Don’t be afraid to seek the help you deserve.