Baltimore Social Security Disability Lawyers

The Basics of Social Security Disability Insurance

The ability to earn a living through work is something most people take for granted. The chances that a sudden injury or unexpected illness could force you to stop working are greater than you probably realize. Experts predict that just over one in four of today’s 20 year-olds will become disabled before reaching the age of 67. For those without a safety net, this can create a severe financial hardship that can affect every aspect of a person’s life.

If you are suffering from a medical condition that prevents you from working, you may be entitled to claim benefits from the Social Security Administration (SSA). Benefits are available to you regardless of your age, provided you meet certain eligibility criteria. There are two programs for which you can apply. Both provide assistance in the form of monthly cash payments. While it is not required that you hire an attorney to assist you, it is highly recommended. Maryland Social Security disability lawyers at LeViness, Tolzman & Hamilton have helped thousands of individuals obtain the benefits they need to support their families while they are unable to work.

Social Security Disability Insurance (SSDI)

Social Security Disability Insurance is available to those who have recently had to stop working because of a disability and have not yet reached retirement age. To qualify, you must have worked a certain number of years and your disability must be expected to last 12 months or more. Due to the work history requirement, SSDI is sometimes referred to as disabled worker benefits.

Supplemental Security Income (SSI)

The Supplemental Security Income program is run by the SSA in conjunction with state governments. Unlike SSDI, SSI is a needs-based program designed for people who have limited or no work history. SSI provides cash to individuals to help with basic living costs. To qualify, you must be blind, disabled or age 65 or over. Your income must be below a certain amount as established by the SSA and the state of Maryland. Some people qualify for both SSDI and SSI.

Health Conditions Covered

There are a number of different health conditions covered under SSDI, each with their own specific severity criteria. Examples of medical conditions covered include musculoskeletal problems, heart conditions, digestive tract problems, immune system disorders and cancer. Psychological disorders such as depression, anxiety and schizophrenia are also covered. In some cases, a person’s medical condition does not meet all of the exact listing requirements provided by the SSA, but is still is severe enough to prevent the person from working. When this is the case, the chances of being denied benefits are extremely high. Having an experienced disability lawyer on your side can make all the difference. A Social Security disability lawyer understands how to present a case in such a way as to significantly increase your chances of being approved.

Family Dependency Benefits

It is often assumed that only the disabled worker is eligible for Social Security disability benefits. This is not necessarily the case. On some occasions, a disabled worker’s dependent family members, such as a spouse or ex-spouse, children or in some cases grandchildren, may be able to receive benefits as well. These benefits are referred to as auxiliary benefits and are only available to recipients of SSDI.

Baltimore Social Security Disability Lawyers at LeViness, Tolzman & Hamilton Obtain SSDI and SSI for Those In Need

If you would like more information about available programs and eligibility requirements or if you need assistance applying for benefits, Maryland disability lawyers at LeViness, Tolzman & Hamilton are here to help. Call 800-547-4LAW (4529) today to schedule a free consultation with one of our seasoned and dedicated Baltimore Social Security Disability lawyers or contact us online.