- An obstacle in many people’s minds about applying for SSD benefits in particular is the misconception that it is a government handout. Social Security is not a charity paid for by taxpayers. Rather, it is an insurance program that happens to be government-administered. If you have been working and paying FICA taxes for a number of years, you have been participating in this insurance program. If your doctor agrees that you cannot work full time for a year or more because of a medical condition, you are a likely successful candidate for SSD benefits.
- Perhaps you have been supported by a spouse or you have been receiving workers’ compensation benefits and/or private disability insurance benefits. You may not have made the mental leap to the notion of applying for SSD benefits because it carries stigma in your mind. You don’t want to be considered “a disabled person living off of government payouts.” However, keep in mind that qualification for SSD benefits can and will expire if you do not apply in a timely manner. The expiration period is usually five years.
- Furthermore, the longer you wait to apply for SSD benefits, the more back benefits you stand to lose. You could end up losing thousands of dollars of back benefits if you do not apply as soon as you know you are disabled or will be disabled for a year or more.
- One additional reason to apply for SSD benefits that you may not be aware of is a powerfully persuasive factor for many people. Namely, your retirement benefits may be reduced if you do not work for several years — but if you are on SSD, your retirement benefits will not be at risk in this way.
Apply For SSD Benefits In Chicago — Contact Our Illinois Disability And Social Security Income Lawyers
With more than 50 years of experience handling SSD applications and appeals, Jeffrey A. Rabin & Associates, Ltd., has much valuable information to share with you if you are unable to work because of a medical condition. Schedule a free initial consultation with one of our Social Security Disability benefits attorneys. Learn how to apply — and whether and when you should apply — for Social Security Disability by calling 847-299-0008 or 888-529-0600 toll free, or contacting us online.
We work on a contingency fee basis. You will not owe fees up front. Our fees will not be hourly, but rather, a percentage of your back benefits when they are paid out. These fees must be approved by the Social Security Administration (SSA) and comply with SSA guidelines. We file our fee agreement with the SSA in every case.