How To Apply For Disability Insurance?

Disability insurance protects yourself, your family, and your income during challenging events in life. SSDI offers disability insurance if an illness or injury prevents you from working and earning a wage. Financial hardship from illness or injury can push you into debt, making you sacrifice your quality of life. So, applying for disability insurance is necessary to protect yourself and your family from unforeseen difficulties.

However, a small proportion of people could qualify for the program because they commit mistakes during the application process. Consulting with the best disability attorney in Sacramento can help you get approval for the application.

Eligibility

You must adhere to the following:

    • Have little or no income or resources

    • Be a US citizen or meet the requirements for non-citizens

    • Meet SSA’s standard medical disability criteria

    • Not be engaged in any significant work as defined by SSA.

How To Apply?

1. Apply Online

Fill out the application form, where you will answer a few questions and sign in to your social security account.

2. Apply By Phone

Call the Social Security Administration at (800) 772-1213 to submit a claim or connect with your Social Security office nearby if you believe you could be eligible for benefits.

3. In-person

If you believe you are a potential candidate for disability benefits, you can visit your local Social Security office with the required documents, but ensure to fix an appointment on the call before going.

If the information seems overwhelming, consult an experienced and reliable SSI lawyer in Sacramento. The application processing time may take several months. So, applying sooner with an expert can help accelerate your case response. However, you can check your status using your social security account or can call the office at 1-800-772-1213 (TTY 1-800-325-0778).

To get a faster response on your application, you need to provide the following:

    • Your Social Security number

    • Medical reports from your doctors, therapists, hospitals, clinics, and caseworkers

    • Laboratory and test results

    • Names, addresses, phone and fax numbers of your doctors, clinics, and hospitals

    • Names of all medicines you are taking

    • Names of your employers and job duties for the last 15 years

After your application submission, the state agency will review your file and make a decision. The state agency may also ask for additional documents to reach a decision.

Conclusion

Applying for disability benefits is one of the best ways to protect your future earning potential and provide your family with the financial ground. Disability insurance pays for the expenses, a percentage of your salary, if you cannot work due to illness or injury. Applying for disability benefits with the help of social security attorney in Sacramento is the best way to get through the tedious application process. Disability insurance may pay your missed wages for a few weeks or life, depending on your coverage.