For those who cannot work at their jobs due to a medical issue, the Social Security Administration (SSA) provides benefits—if you qualify. These benefits are not easy to get and many applicants have to wait a long time for an approval or a denial. Unfortunately, the multi-page application can mean that mistakes are made and problems can occur. Read on and be alert so that you don't make a mistake that could put your Social Security Disability Insurance (SSDI) claim in jeopardy.
Don't Be Tempted to Exaggerate Your Medical Condition
The SSA may ask you to undergo a medical exam to verify your condition. This exam consists of a physical examination along with diagnostic tests and some close questioning. For example, if you say you have congestive heart failure, you may be asked to supply records showing you've had an ultrasound, a stress test, and other tests. In addition, you may need to explain what treatment methods to control the disease you have tried and how they worked. For example, some people use Lasix or other "water pills" to reduce water retention and prevent heart and system damage. Proof of tests, prescriptions, and medical records are typically required before you can be approved.
Be Honest About Your Job Training and Education Levels
Some applicants are under the impression that those with more training and education are turned down for benefits more often. While your education level might allow you to more easily find another job, the SSA does not penalize those who provide accurate information on the application. More education does not always mean you can work if your medical condition won't allow it.
Understand the Importance of Your Last Day Worked
The SSA begins counting your benefit period from the date of last insurance (DLI) and that date is verified with your previous employer. The DLI stands as the date from which you will begin to accrue benefits and those are paid to applicants in the form of back pay. The more time between your DLI and your approval, the higher your lump-sum back pay benefit will be. Don't make a mistake that might hold up your approval or put you at risk for being accused of fraudulently applying for money you don't deserve.
To make sure your application is correct, let a Social Security lawyer assist you. They know what the SSA needs to know about you. Also, if your application is denied, they know how to get things straightened out at the appeal hearing. Speak to a Social Security lawyer to find out more.