The ins and outs of Social Security Disability Insurance benefits

With each paycheck you earn, a small amount is deducted to ensure that you’ll be able to receive payments should you ever become disabled and unable to work. By paying Social Security Disability Insurance (SSDI) throughout your working life, you entitle yourself to payments from the Social Security Administration if you ever become incapacitated.

While the process of this money being deducted from your paycheck is simple, collecting your payment when you need it can be anything but. Applying for SSDI requires a large amount of paperwork and filling out your application incorrectly can result in denial, even if you would otherwise be entitled to benefits.

If you think you might be in a position to apply for Social Security Disability Benefits, but aren’t sure where to start, here are some answers to some frequently asked questions to help you on your way.

Who qualifies for SSDI?

In most cases, you must be younger than 65 and those who qualify must have worked five out of the last 10 years. Applicants must have medical evidence to prove their disabilities exist and the disability must last at least 12 months or be expected to result in death. The Social Security Administration offers a list of conditions and criteria that may qualify a person for SSDI payments.

How do you apply for benefits?

The application for SSDI benefits can be found on the Social Security Administration’s website. Once you apply, the SSA will review your case and decide whether you are entitled to benefits. If your case is denied, you can appeal.

Is there anyone that can help you apply?

If you are having a hard time completing your application, you may wish to consult with a Social Security Disability advocate. When you work with an advocate, someone experienced with disability cases will help you fill out your application and work with the courts to see to it that you receive the benefit you deserve. When selecting a benefits advocate, look for a service that does not charge a fee unless you win your case, such as Myler Disability. You’ll also want to pay attention to what type of payment an advocate will expect when you win your case.

How long do applications usually take?

Myler Disability estimates that each case usually takes about six months from the time you apply to the initial acceptance or denial. However, this can vary by case and by the state in which you are applying.

How much money will you receive?

That number varies widely and depends on what’s included on your claim, as well as the number of dependents you claim and your income.

For more on Social Security Disability benefits and how an advocate can help you with your case, visit