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If you are unable to work due to a long-term disability, you may be eligible for Social Security Disability Insurance (SSDI) benefits administered by the Social Security Administration (SSA). However, in many instances, SSA representatives deny benefits for first-time applicants. This might be due to a lack of sufficient medical documentation or incomplete paperwork.

Instead of trying to file a claim alone, consider seeking the help of an experienced attorney. A lawyer familiar with the system could explain the different types of SSDI benefits in Raleigh to determine which benefits you might qualify for and work to help you pursue those benefits in an efficient and timely manner.

Disability Insurance Benefits

One of the many types of SSDI benefits in Raleigh, disability insurance benefits (DIB) are in place to assist disabled individuals who have worked for at least five out of the most recent ten years. These benefits are payable based on a social security earnings record. In other words, the disabled individual’s income does not affect the determination for their eligibility for benefits.

Disabled Widow or Widower Benefits

Disabled widow or widower benefits (DWB) are in place to compensate individuals who are at least 50 years of age. In order to qualify, the applicant must meet both of the following criteria:

  • They became disabled within a specified period of time after their wife or husband passes away
  • The recently-deceased spouse paid into their Social Security for a sufficient period of time

As with DIB, eligibility for DWB is not dependent on the disabled person’s wealth or poverty level. However, because of the specific nuances involved in determining DWB eligibility, a person who has recently lost a loved one may benefit from speaking with a Raleigh attorney about pursuing this particular type of SSDI benefit.

Benefits for a Disabled Adult Child

Disabled adult child benefits (DAC) go to children of individuals who have passed away or who are not taking retirement benefits or Social Security disability benefits. For a child to qualify, they must have become disabled before they reached the age of 22. As with other forms of disability benefits, neither poverty nor wealth serves as a factor when considering eligibility for DAC benefits.

When Are SSDI Benefits Available?

In most cases, there is a five-month waiting period for an applicant to obtain any form of SSDI benefits. Essentially, the SSA will not pay out on an applicant’s benefits during the first five months immediately after they become disabled.

Furthermore, once this waiting period ends, the value of a successfully applicant’s monthly benefits usually depends on their record of earnings. A meticulous attorney could help a disabled claimant seeking coverage in Raleigh to understand the process and how it may affect the types of SSDI benefits they could receive.

A Lawyer Could Explain the Variances of SSDI Benefits in Raleigh

If you are seeking more information on the types of SSDI benefits in Raleigh, or if you are appealing a denial from the SSA, you might benefit from the counsel of an experienced lawyer. Having a legal representative advocating for your interests might be an important step toward filing a successful claim or negotiating a successful appeal.

Every person’s circumstances are different, and it might be difficult to determine which kind of social security disability benefits fit your unique circumstances. A seasoned attorney could help you find how you might be covered and work to build a thorough claim to seek benefits. For more information about your eligibility for coverage, call today.