Seeking SSDI benefits when an injury results in disability
For an otherwise healthy and able-bodied individual, a physical injury can be both personally and financially devastating. A serious and painful injury can result in an individual losing the physical ability to perform normal everyday tasks, be independent and participate in previously-enjoyed activities. In some cases, an individual's injury may make working prohibitive.
Social Security disability insurance is intended to aid U.S. workers who are no longer able to work due to a physical or mental disability or a disabling medical condition or disease. In order to obtain SSDI benefits, an individual must meet strict qualifying criteria and complete a lengthy application process. According to the Social Security Administration, from 2001 through 2010, only roughly 28 percent of initial SSDI applications were approved.
For individuals who are dealing with a disabling injury and are not able to work or earn an income, SSDI benefits can provide a much-needed lifeline. It's critical, therefore, to ensure that an initial application for SSDI benefits is complete and provides comprehensive and compelling documentation of one's injury and the resulting negative effects on one's life and ability to work.
Upon submitting an application for SSDI benefits, steps are taken to determine whether or not an individual's injury is severe enough in nature to prevent one from working. Supporting documentation like medical records and notes from physicians and medical specialists can aid in helping the SSA determine that an individual's injury is debilitating in nature and prevents an individual from returning to a previous job or any other type of job.