Applying for Social Security Disability with a Chromosomal Disorder

Applying for Social Security Disability with a Chromosomal Disorder

When it comes to finances, oftentimes people living with a disability need extra help, especially those living with a chromosomal disorder that will affect them for the entirety of their lives. The United States government encourages people with a disability to apply for Social Security Disability benefits. The monthly payments and medical benefits that the disability programs offer can greatly help their financial burdens.

 

What is Social Security Disability?

 The government has two different programs that can help people with a disability. The Social Security Disability Insurance program, also known as SSDI, pays benefits to people that have worked and paid social security taxes in the past. This program mostly helps individuals that have worked and paid Social Security taxes for a certain period of time and before becoming disabled. The Supplemental Security Income program, also known as SSI, is designed to help those that have little or no income and lack a sufficient work history.

 

Technical and Medical Requirements

 Individuals looking to apply for Social Security Disability benefits must meet certain requirements. When applying for SSDI, you must meet work history and medical eligibility requirements. On the other hand, to qualify for SSI, you must only meet the medical and income requirements and asset limits.

A person’s work history determines whether or not a person is eligible to receive Social Security Disability benefits. In order to qualify for SSDI, the applicant needs to have earned enough work credits, meaning you paid Social Security taxes, depending on your age. Work credits are earned each year that you work, and a worker can earn up to a maximum of four work credits per year.

To be eligible for SSI benefits, your household income can’t exceed $761 as an individual or $1,082 as an adult. Your household assets also can’t exceed $2,000 as an individual or $3,000 as a couple.

In addition to meeting the technical requirements of the SSI and SSDI programs, you also need to meet the medical criteria. The SSA published the “Blue Book”, which lists all of the disabling conditions that could qualify you for benefits. Each condition has its own set of criteria that must be met in order to prove that your condition is in fact disabling. http://www.disability-benefits-help.org/disabling-conditions

Chromosomal disorders are covered under Sections 10.00 (adult listing) and 110.00 (child listing) of the SSA’s Blue Book. In order to be approved for disability benefits under this section, you must be able to provide the SSA with clear evidence of:

 

  • A diagnosis;
  • A copy of a laboratory report of a conclusive karyotype analysis;
  • Medical records showing physical manifestations of the condition are present; and
  • Evidence that your condition interferes with your ability to function.

 

Applying for Social Security Disability

You can apply for Social Security Disability benefits online or in person at your local Social Security office. Applications for children must be filed in person at an office. If applying in person, you should call the SSA’s toll-free number at 1-800-772-1213 to make an appointment with the local Social Security office. This option also allows you to make an appointment to apply for Social Security Disability over the phone. Once a disability appointment has been made, you will be sent a disability starter kit in order to prepare for the interview.

 

What Is Needed to Apply

 When starting the application process, you will need the following information:

  • Social security number
  • Copy of the birth certificate
  • Names, addresses, and phone numbers of the doctors or hospitals that addressed the disability.
  • Complete medical record of all visits associated with disability.
  • Laboratory and test results.
  • Summary of work and the type of work completed.
  • Copy of the most recent W-2 form.

In addition to this information and the basic application, applicants will need to fill out other forms. One form will describe the medical condition and how it affects the applicant’s ability to work; the other form simply gives health care professionals the authorization to give out personal medical information. http://www.disability-benefits-help.org/content/application-process

 

Benefits after Approval or Denial

 Once the disability application is approved, you can expect to receive a monthly payment to help cover basic needs of living. This notice will be received two to four months after the date of the initial application. If the claim was denied, you have 60 days to appeal that denial from the date of the notice. A good number of applicants may be denied during the initial stage of the application process, but are awarded benefits as the result of an appeal.

Considering Legal Representation

 Although there’s not always a need for legal representation during the application process, having a lawyer’s help can greatly improve your ability to be approved for disability benefits. A lawyer will know how to handle all situations and can correctly fill out all necessary forms. As an expert in the field, a lawyer knows what laws affect your particular disability case and will be able to put those laws to work for you.

 

Lisa Giorgetti
Community Liaison
Social Security Disability Help