If someone has told you that you cannot apply for disability, please don’t give up hope until you have looked into all your options.
Even if the person who told you this is a lawyer, or a caseworker, or someone who works at Social Security!
We cannot make any promises, but we can tell you that many people are told this and it turns out not to be true. Or it turns out to be somewhat true and then they find a clever way to make it no longer true!
Why did someone tell you that you couldn’t get disability?
WHY DO YOU THINK YOU CAN’T YOU APPLY?
To get SSI, you need to be poor:
SSDI is different then SSI. To get SSDI, you need to have a work history:
Employer Disability – Check with your employer to see if they offer disability insurance.
Government Employees – Contact your employer to see if they have their own disability system
State Disability – NY, NJ, RI, CA and HI offer short term disability through the state.
Widows – If you are disabled, you can collect widow’s benefits earlier than most people. Benefits can begin at age 50 if you are disabled (age 60 if you are not).
Ex-Widows – If you were previously married for at least ten years and then got divorced, you may still be able to do the widow thing mentioned above.
Disabled Adult Children – Does not matter what age you are now. If you were under 22 when you first became disabled, you may be eligible for Disabled Adult Child benefits.
Retirement Plans – Some plans offer disability retirement
Life Insurance – Some plans offer disability payouts
If you get a medical denial, you should always appeal. This means they did not find that you are disabled, but there are many many many things you can do to Appeal and Improve Your Chances.
If you get a technical denial, something has gone wrong. It may help to schedule a meeting with someone from your local office (can be a phone meeting). Ask them to review your case with you and explain the denial. Do not just call and talk to the random person who answers the phone.
Once you know the problem, you may be able to fix the problem by following the regulations mentioned above, and then reapply. Or, if you believe they made a mistake, you can appeal the denial and contact your congressperson for help.
MORE SOCIAL SECURITY MYSTERIES
WHAT DO YOU THINK?
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Updated May 2018. If you found this page helpful, please share it with others by pressing one of these magic little buttons: