Applying for Social Security Disability (SSD) benefits can be a stressful process, especially when you’re dealing with a serious medical condition. The process is filled with many steps, detailed paperwork, and strict eligibility criteria. Many initial claims are denied, even when applicants clearly qualify. That’s why working with a knowledgeable SSD attorney can make all the difference.
At Dudley DeBosier, we help people right here in Lafayette and across Louisiana apply for benefits, appeal denials, and get the financial support they need. If you have a disability and are unable to work, we’re here to help you through this complex system and fight for your rights.
Understanding SSD Claims
Social Security Disability benefits provide income to individuals who can no longer work because of a medical condition expected to last at least one year or result in death. These benefits are not handouts or entitlements. They’re part of a safety net you’ve paid into, and qualifying for them involves more than just proving you’re sick or injured.
To qualify for SSD, you must have a condition that significantly limits your ability to work. The Social Security Administration (SSA) maintains a listing of impairments that automatically qualify, but you may still be eligible even if your condition isn’t listed.
Some common medical conditions that may qualify for SSD include:
- Severe back or neck injuries
- Cancer
- Heart disease
- Stroke
- Traumatic brain injuries
- Epilepsy
- Bipolar disorder
- Schizophrenia
- Anxiety and depression
If you’re unsure whether your condition qualifies, it’s worth reviewing the SSA’s complete list of impairments and talking with one of our experienced disability lawyers.
Two Main Types of SSD Benefits
There are two main types of Social Security Disability benefits: SSDI (Social Security Disability Insurance) and SSI (Supplemental Security Income). Both programs provide benefits to individuals with disabilities, but they differ in how eligibility is determined.
- SSDI is designed for people who have worked and paid into Social Security through payroll taxes. To qualify, you must have earned a certain number of work credits based on your age and work history.
- SSI is a needs-based program. It does not require any work history but does have strict income and asset limits. It is primarily intended for people with limited resources who are disabled, blind, or over the age of 65.
The Application Process for SSD Benefits in Lafayette
The SSD application process can be time-consuming and difficult to understand without legal help. Many applicants are denied because of paperwork errors, missing documentation, or misunderstandings about the requirements. Here’s a general outline of what you can expect:
- Initial Application Form: You can start your application online, but it’s wise to consult with an attorney to make sure it’s filled out correctly.
- Gathering Required Documentation: This includes medical records, employment history, tax documents, and any evidence showing how your disability affects your ability to work.
- Application Review: After you submit your application, the SSA reviews it and may request additional information. This step can take several months.
During the review, the SSA will examine:
- Your work activity and history to determine if you’ve earned enough work credits (for SSDI) or meet income limits (for SSI)
- The severity of your condition, and whether it significantly limits your ability to perform basic work functions
- Whether your condition is considered disabling according to SSA guidelines
Even if your disability is as clear as day, the SSA may still deny your claim for a minor technical reason. That’s why accuracy and thoroughness are essential.
Common Reasons SSD May Be Denied
The sad truth is that most initial SSD applications are denied. This can happen for many reasons but can be avoided with the right legal guidance.
Common reasons for denial include:
- Incomplete application or errors in your paperwork
- Failing to meet the SSA’s definition of disability, such as applying for a condition that doesn’t significantly impair work ability
- Insufficient medical evidence to prove the severity or duration of your condition
- Failure to follow prescribed treatment, which the SSA may interpret as a lack of effort to improve
If you’ve been denied, take a breath and don’t panic. Our Lafayette SSD lawyers can help you strengthen your claim and refile or appeal effectively.
Why You May Need a Lafayette SSD Lawyer
While it’s possible to apply for SSD benefits on your own, having legal representation greatly increases your chances of success. This is especially true if your initial claim is denied. The team at Dudley DeBosier can help by:
- Assisting with your initial application to ensure it’s thorough, accurate, and free of mistakes
- Helping you gather sufficient medical evidence, including detailed doctor’s statements, test results, and treatment history
- Filing appeals and preparing your case for reconsideration, hearing, or further review if your application is denied
- Representing you at disability hearings, where an administrative law judge will hear your case and may ask you or your doctor to testify
We work closely with clients to ensure that no stone is unturned in the preparation of your SSD claim.
Contact Dudley DeBosier Today
If you’re living with a disability and unsure how to get the support you need, Dudley DeBosier is ready to help. Our team understands the SSA’s complex requirements and knows how to build strong claims that stand up to intense scrutiny.
Call us today to schedule your free consultation. We’re here to fight for the benefits you deserve.
