Life can’t always be predicted, and even if you expected to work until the age of 65 and retire under normal circumstances, it’s possible that you have endured a serious injury or illness that prevents you from working and providing an income for your family. The federal government offers a Social Security disability insurance program that is designed to provide assistance to people with significant disabilities. However, being accepted to receive Social Security disability insurance is an uphill battle that almost always requires the help of an attorney.
Requirements to Receive SSDI in Missouri
There are certain requirements you must meet in order to be eligible for Social Security disability insurance (SSDI). First, you must have worked a certain number of years at a job in which you paid Social Security taxes known as FICA taxes. The exact number of years required depends on your age. In addition to meeting the minimum work length requirement, you also must be able to prove that you have a medical condition that meets the Social Security Administration’s definition of a severe, long-term, and total disability. This means that a broken arm is not grounds to receive SSDI, but severe back injury or vision loss could meet the definition of a disability.
Appealing for SSDI
Less than one-third of the disability applications submitted in Missouri are ultimately approved, a rate that matches the national rate of approval. Fortunately, being denied is not the end of the road if you truly do have a disability and are relying upon SSDI to meet your financial obligations. Once you receive your initial denial, you have 60 days to ask for an appeal hearing before an Administrative Law Judge at an SSA Office of Disability Adjudication and Review. If your appeal is granted, you could wait longer than a year before the appeal is actually held.
If your SSDI claim is denied and you need to file an appeal, it is critical that you utilize the support and guidance of a Social Security disability attorney like Jeff Swaney at Swaney Law Firm in St. Louis, Missouri. Attorney Swaney has been serving the St. Louis area for more than 34 years and understands Social Security law inside and out. Call him at (314) 310-8373 to get more information and begin fighting for the disability insurance that you need.