FINDING THE LIFELINE
UNDERSTANDING THE SSDI PROCESS
For people who have become disabled and are no longer able to work, Social Security Disability Insurance (SSDI) can be a lifeline. This program, managed by the Social Security Administration (SSA), is meant to provide financial support to disabled persons and their families, acting as a vital safety net for those in need. However, applying for and receiving this important government benefit is a process few people understand. Does Any Disabled Person Qualify? The short answer is no. There are a few requirements to receive SSDI, the most important being that your disability must prevent you from being gainfully employed. This condition must either be terminal or persist for at least 12 months. You’ll also need to have paid payroll taxes for a number of years to be considered insured under the SSDI program. How Do I Apply? There are a number of ways to apply. If you have an internet connection, you can apply online at SSA.gov/planners/disability/ apply.html. To apply by phone, call 1-800-772-1213, or if you are hard of hearing, call TTY 1-800-325-0778. If you prefer to apply in person, you can visit your local Social Security office. The SSA recommends you call to schedule an appointment in advance. In each of these cases, you should have any relevant medical documents on hand to illustrate proof of your disability and the length of time it has persisted.
I Got Denied, Now What? This is extremely common but not the end of the road. In fact, according to the SSA’s own numbers, only 33 percent of initial applications are approved. Should you be among the two- thirds of applicants to receive a denial, the next step is to file a “request for reconsideration.” If this second request is denied, you then have the right to apply for an appeal hearing. When attempting to appeal an SSA decision, it helps to have an expert disability attorney on your side. Our SSD attorneys at Young, Marr & Associates are former SSA employees who have seen the system from the inside. They are extremely well- equipped to answer any questions you might have and help you get the benefits you deserve.
SUDOKU
EASY BACON AND SPINACH STIR-FRY
INGREDIENTS • 3 slices bacon • 3 cloves garlic,
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1 teaspoon crushed red pepper Salt and black pepper, to taste
coarsely chopped 2 bunches spinach
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DIRECTIONS 1. Heat a large skillet to medium. 2. While skillet is warming, cut bacon into squares. 3. Cook bacon until fat is rendered and bacon is almost to your desired doneness. If desired, you can remove bacon fat from skillet and replace with 1 tablespoon oil. However, keeping the fat is recommended for flavor. 4. Add garlic and cook for 1–2 minutes. 5. Add spinach and crushed red pepper and stir-fry for 10 minutes. 6. Season with salt and pepper, and serve.
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