Limitations to the Social Security Disability Insurance program

Social Security Disability Insurance (SSDI or SSD) provides income assistance to those who are disabled and unable to work. Here are a few things you should know when thinking about applying for Social Security Disability. This awareness will help you and your family plan while you are disabled.

#1 – You Must Be Fully “Disabled,” i.e., Unable To Be Gainfully Employed

Unfortunately, Social Security does not approve claims where you are only partially disabled. Additionally, the medical basis for your disability must already have lasted or be expected to last 12 months or longer (or be expected to end in death).  And your claim will automatically be disapproved if you are performing substantial gainful activity.

#2 – You Must Have Past Work History

You must have worked long enough and recently enough in jobs covered by Social Security.  The 10 years immediately prior to when you become disabled are critical.

#3 – The Waiting Periods

The 5-month waiting period—Social Security does not pay benefits during the first 5 full months of disability.  The Medicare eligibility waiting period—there is a 24-month waiting period (after the first month of benefit eligibility, i.e., 29 months after being found disabled) to be eligible for Medicare.

#4 – You Might Have to Pay Taxes

If your income is over a certain threshold you may be subject to taxes. This usually happens only if you have other substantial income in addition to your benefits.

Our Roose & Ressler attorneys can help you understand these limitations and evaluate whether you may qualify for SSD benefits.  If so, we will walk you through the entire application/appeal process, making sure you have the best possible chance for approval. Contact us today to schedule your free consultation!

Roose & Ressler is a team of Social Security Disability lawyers with more than 40 years of experience handling disability claims in Northern Ohio. We have offices located throughout northern Ohio in Mansfield, Toledo, Wooster, and Lorain. We are passionate about helping you appeal or win your claim. In addition to offering a free initial consultation, we are caring lawyers committed to understanding the frustrations and delays people experience with Social Security Disability claims in Ohio.

Access our free tool:

Guide to Preparing and Applying for
Social Security Disability

For something this important, trust the team that knows.

We know our way around the process. We know what works and what doesn’t. We know specifically how to handle cases in northern Ohio and have four locations to serve you.

Hiring Roose & Ressler can alleviate the feeling of being alone throughout the process. We act as your point person and will be here to answer all your questions. We’ll make sure you meet the necessary deadlines and requirements for the appeals process.

If you’re ready to get started, call us for a free consultation.