Once you become disabled and unable to continue working, Social Security Disability benefits are one option to consider. These benefits are given to those who are no longer able to work due to a mental or physical disability. However, not everyone is approved for benefit. The following are some things you need to know before you apply for Social Security Disability benefits:
Do You Use Alcohol or Drugs?
The application for benefits contains a section pertaining to drug and alcohol use. Do not be dishonest when you complete this section, but be straightforward and do not exaggerate or elaborate more than necessary. The SSA can deny benefits to you if they deem your alcohol and drug use contributed to your current disability.
Are You Planning to Get Married?
Getting married is an exciting time, but if you plan to apply for Social Security Disability benefits, keep in mind the marriage can impact your case. The SSA has limits to income and resources. Once you get married, your spouse's income will be included with yours. Because the SSA provides money to those deemed most in need first, your marriage and subsequent increase in income can delay or deny your claim.
Can You Also Receive Unemployment Benefits?
Social Security and unemployment compensation are completely different entities. When you apply for unemployment insurance, you make a statement that says you are healthy and able to take on work when or if it becomes available. When you apply with the SSA, you state that you are disabled and unable to work. If you apply for unemployment, you are decreasing the likelihood to receive Social Security benefits since you state you are able to work.
However, there are some circumstances when the unemployment claim will have no impact on your claim with the SSA. If you became disabled after you lose your job, the statues will not be altered. If you are over a certain age with a disability that does not allow you to do the same job you had before the disability, but can do other types of work that may require additional education, you can still apply for Social Security benefits.
Keep in mind that getting benefits from the SSA is often an uphill battle. Some applicants have to hire an attorney to appeal an initial denial. If this is the case for you, be sure to contact a social security disability lawyer to help get your case approved.