When you are disabled, it’s easy to feel overwhelmed between financial and family responsibilities and getting the healthcare that you need. While you may have tried to work despite your disability, there may come a time when you realize that you are limited to the point that you cannot work anywhere near full time. Making the decision to apply for SSDI or SSI can be a hard one, but a social security attorney Kingsport TN can help you get through the process so you can start receiving the benefits that you are entitled to.
SSDI Or SSI?
One of the things that confuse a lot of people applying for disability is whether they would qualify for SSI or SSDI. There are several differences between the 2, but in the end, they are both there to offer financial support for people living with disabilities. If you have never worked or have only worked a little, you may qualify for SSI. In order to receive SSDI, you must have earned a certain amount of work credits during your lifetime. Another difference between the two is how getting married impacts your benefits. Your spouse’s income will be taken into account when you get married and it may disqualify you from the program. However, if you have earned SSDI, your financial benefits should not be impacted upon marriage.
You’ll Probably Get Rejected At First
Most people who apply for disability benefits get rejected the first time around. This doesn’t mean that you don’t qualify, it could just mean that you filled something out incorrectly or that they didn’t have the information that they needed to make the decision. Many applicants are rejected more than once before they are accepted after a few appeals. After being denied, you will have the opportunity to appeal and eventually will be able to go in front of a judge to explain why you deserve social security benefits. This process can be quite unnerving and complicated if you are trying to do it by yourself. This is why it is recommended to use an attorney when you are appealing in order to ensure that you are doing it correctly and to maximize your chance of being approved.
You May Not Have To Stop Working
The wait for approval can be quite lengthy and many people do not know what to do about the financial hardships that this period can bring. While you may be able to work a little bit in order to help make ends meet, it is unlike that you will be able to participate in substantial gainful activity. If you are making too much money at your job, you will likely be denied as it shows that you are capable of working enough to support yourself. There are certain income levels that you must earn below in order to qualify and it’s important to not go over them during the application and appeal process. Fortunately, income from other sources is not taken into consideration.