According to the Centers for Disease Control, 1 in 4 adults in the U.S. has some kind of disability. However, not all disabilities are visible, and not all of them qualify for Social Security Disability Insurance (SSDI).
For instance, dyslexia is a learning disability, but it doesn’t stop someone from reaching their career goals.
To qualify for SSDI, your condition must match the Social Security Administration’s definition of disability.
Before searching for “disability lawyers in Miami,” it’s a good idea to understand what counts as a disability and see if your situation qualifies for help.
Most Common Disabilities
There are many ways a person can become disabled. For example, someone might be born with a disability, or they could get one after an accident at work or a car crash. Older adults are more likely to have a disability than people under 64.
The disabilities that qualify for financial help aren’t always the most common ones. Some of the most approved disabilities by Social Security include:
- Arthritis
- Heart disease
- Back problems
- Breathing issues
- Mental health conditions
- Cancer
- Stroke
- Nerve disorders
- Diabetes
- Immune system problems
In general, if a condition stops you from working for at least 12 months, you may qualify for benefits.
It can be hard to tell if you’ll be approved for disability. However, your chances are better if your condition matches the SSA’s definition and you have strong medical records to back it up. It’s also important to hire a lawyer who specializes in disability cases.
An experienced lawyer can guide you through the complicated SSDI process, gather important evidence, and help build a strong case to make sure you get the support you need.
Long-Term Vs. Short-Term Disability
Both short-term and long-term disability insurance help cover part of your income if you can’t work.
Short-term benefits pay 40 to 70% of your salary for a few months, while long-term benefits can pay about 60% of your yearly income and continue for at least two years or until you retire.
What Qualifies for Short-Term Disability?
Short-term disability helps if you can’t work for a short time due to things like pregnancy, illness, or injury (like from an accident).
Examples of situations that might qualify for short-term help include:
- Mental health issues
- Serious injuries (like back problems)
- Recovery from surgery or an accident
- Severe illnesses (like COVID or cancer)
- Pregnancy or childbirth
Elective surgeries (surgeries that aren’t urgent) usually don’t qualify for disability benefits.
What Medical Conditions Qualify for Long-Term Disability?
To qualify for long-term disability, your condition must be serious and ongoing.
In addition to common conditions, some other examples that may qualify for long-term disability are:
- Parkinson’s disease
- Alzheimer’s disease
- Traumatic brain injury
Before applying for disability benefits, make sure to get medical treatment. You will need a report from your doctor to start the process.
Do You Qualify for Disability Benefits?
Living with a disability is tough, and getting the financial help you need shouldn’t be harder than it has to be.
If you think you qualify for disability benefits, it’s important to talk to a social security disability lawyer in Miami. They can guide you through the process so you can focus on getting better.
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