If your condition affects your work ability in South Carolina, file for disability
If an illness or injury (of a physical or mental nature) is impairing your ability to work and earn what the social security administration refers to as a substantial and gainful income, then you may wish to consider filing for disability benefits.
Disability applications fall into two categories: Social Security Disability and supplemental security income benefits, otherwise known as SSI disability.
Resources:
1. How to Apply for Disability - Where do I go to apply?
2. How to File for Disability - Tips for Filing
3. How do you get an SSI disability application and Claim started?
4. What medical conditions can you apply for?
Which benefit you will be eligible for will depend on whether you have paid enough into the social security system to be considered "insured".
Disability applications for individuals in South Carolina who are insured will be taken in the SSD (Social Security Disability) program and individuals who have not worked enough to either become insured or stay insured (you can lose your insured status if you have large gaps in your work history) will be taken in the SSI program.
Are disability applications treated differently in the two programs. No, they are not. In fact, both types of disability applications are indistinguishable in how they are processed. For both SSD and SSI, disability applications are taken at local social security offices and are then sent to state disability agencies (usually called DDS, or disability determination services) where medical records are gathered and evaluated for the purpose of rendering a decision on a disability claim.
When should you file for disability? Probably as soon as you feel your condition has become severe enough to affect your ability to support yourself. Should you seek representation for your disability case? Typically, most claimants would be advised to find representation at the point at which their case is heard by an administrative law judge at a disability hearing. However, most disability attorneys will usually offer free consultations to claimants who have been denied, have a pending claim, or are simply considering whether or not to file a disability claim with the social security administration.
About the Author: Tim Moore is a former Social Security Disability Examiner in North Carolina, has been interviewed by the NY Times and the LA Times on the disability system, and is an Accredited Disability
Representative (ADR) in North Carolina. For assistance on a disability application or Appeal in NC, click here.
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