Social security is an important part of our state and federal social services. It is a form of federal insurance carried by all employers which helps you to make ends meet when you retire after a lifetime of work, or when you are too sick or injured to hold down a regular job. Unfortunately, it can sometimes be more complex to get these benefits than perhaps it should. Learn about social security disability insurance, or SSDI, and how you can file for disability benefits in California if you are elderly, sick or injured.
Social Security Disability Insurance
Social security disability insurance, or SSDI, is a form of federal insurance available to those who have worked for a given number of years, paying FICA and/or SECA taxes during that period. It can sometimes combine with supplemental security income, or SSI, for those with low assets and regular income. These programs can combine with those from other sources, such as the state supplement and sometimes from disability programs offered by your employer. California also provides short-term insurance for those whose injury or illness will keep them out of work for a limited time.
Supplementing Social Security
California offers an additional state supplement which can help to offset the cost of living from social security. It can pay anywhere from $171 to $407 each month, depending on your current living arrangements. This supplement is administered by the SSA. The total amount you can receive from both SSDI and supplemental income is between $892 and $1,483. If you have additional disability coverage from your employer as part of a benefits package, this could climb higher.
Applying for Social Security
The California state Disability Determination Service Division determines whether your application for social security will be accepted. If you are refused, it can be stunning and scary—but don’t panic. It is not uncommon to be denied on your first claim; it just means you will have to appeal.
Hiring an Attorney
It can, however, be very helpful in these cases to secure the services of a qualified social security and disability attorney. When you appeal a decision, you will need to prove that you are unable to maintain gainful employment and are in need of this supplemental and replacement income. Doing so is rarely cut-and-dried.
An attorney will know all of the ins and outs of the law and those pieces of information that are required to prove your need for SSDI. Having an attorney can not only speed up the process, but can help to relieve and reduce stress that you don’t need which makes it harder for you to recover from your illness or injury.
Social security should be a relief, not a strain. If you have been denied coverage that you sorely need, don’t wait. Learn more about California SSDI, and get in touch with us for a consultation on your case today.