An injury is one of the most frightening things that can happen at work. Severe injuries are very painful, but they also are a financial burden. This happens because you are out of work, face unexpected medical expenses and other related expenses. Psychologically speaking, many may feel like less of a person because they are not at work doing a job they enjoy.
One consolation is the fact that the federal government created Social Security Disability Insurance (SSDI) to help the injured worker when they need it most. While many have heard the phrase, and see the money deducted from a paycheck, they may not know exactly how it works.
How much money does it pay?
Once the worker’s application is approved, SSDI pays an amount that is based on the worker’s average monthly salary and age, with a maximum per month in 2019 of $2,788.
Am I eligible?
If you are unable to work and expect this to continue for at least a year or eventually result in your death, you are likely eligible for SSDI. Typical illnesses and injuries include severe back injury, traumatic brain injury, cancer, heart disease, or amputation.
How do I apply?
Fill out the applications provided by the Social Security Administration and include medical evidence gained through treatment (lab results, X-rays and doctors’ recommendations).
What happens if my application is rejected?
This is common. There is an appeal process where an attorney is often helpful in walking the applicant through the process. Not only can they help with paperwork, but they will also often coach the worker to better explain their condition.
Does it cover mental illness?
There are a variety of illnesses that SSDI covers, including depression, eating disorders, bipolar disorders, autism and intellectual disorders. As with a physical condition, there will need to be documentation.
Can I go back to work?
If your condition improves, SSDI can help workers transition back to their job if they are physically able to perform. This trial period begins once the worker earns $880 per month.
SSDI attorneys can help
The circumstances of an injury will always be unique. To get the best SSDI guidance, it is often necessary to consult with an experienced and knowledgeable SSDI lawyer, particularly if the worker needs to file an appeal.