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Applications for Social Security Disability Reach 2.6 Million
Date:1/30/2009

re of previous employment. As noted above, individuals must have worked for five of the previous 10 years to qualify for benefits. A 15-year work history is needed.

7.   Meet deadlines. If benefits are denied at any stage of the process, claimants have only 60 days to file an appeal. If the deadline is missed, the process starts over from the beginning, which could decrease the amount of retroactive benefits to which one is entitled.

8.   Reduce spending. The long wait for benefits means that people lose their savings, their cars and sometimes even their homes. Cut out unnecessary spending as quickly as possible and prepare for the long haul. And don't use credit cards. Allsup reminds applicants that high-interest debt will add to long-term problems. There may be other, more affordable options for handling expenses. More insights on Financial Matters can be found on Allsup.com.

9.   Maintain health insurance. There will be a temptation to cut spending on health insurance, but Allsup notes that even after individuals begin receiving disability benefits there is a two-year waiting period for Medicare eligibility.

10.   Don't give up. The Social Security Administration denies more than 60 percent of all initial applications, but two-thirds of the people who appeal and reach the hearing level eventually will receive their disability benefits.

1 - SSA Performance and Accountability Report FY 2008, November 2008 (ssa.gov).
2 - Ways and Means Committee-Subcommittee on Social Security, September 2008 (waysandmeans.house.gov).
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