Applying for SSI Disability Benefits in South Carolina
The Social Security Administration offers two separate disability benefit programs. The first is covered under title II of the social security act and is known as Social Security Disability. Often, Social Security Disability is referred to as SSD, SSDI (Social Security Disability insurance), RSDI (retirement survivors disability insurance), and DIB (disability insuance benefits).
An application for Social Security Disability in South Carolina may be taken on anyone who has paid enough into the system to be considered "insured". And, in this sense, SSD is very much like other types of insurance because when a person stops paying into the system (through the deductions on their paychecks), their coverage for Social Security Disability will eventually stop at some point.
For a person who was previously insured for SSD but has stopped working, the point at which they will no longer be covered for Social Security Disability is known as a DLI, or date last insured.
What happens if your coverage for Social Security Disability runs out? That is where SSI disability steps in. SSI is short for supplemental security income. The SSI program provides disability benefits for individuals who were A. never insured for Social Security Disability, B. used to be insured for Social Security Disability but lost their coverage, and C. children.
Is applying for SSI disability benefits different than applying for SSD? No, the process is identical and the social security office will determine whether your disability application will be for SSD or SSI when you go to apply. Likewise, filing an appeal for SSI (if your claim gets turned down) is also identical in every way.
For both SSD and SSI disability, if your case is denied, you are given sixty days to file an appeal and this is always the preferred route (versus starting over with a new application). Also, with both SSD and SSI disability an individual is allowed to find representation at any point in the process, while the claim is pending or after it has been denied.
Fortunately, disability lawyers offer free consultations regarding their services and no fees are charged upfront (a disability lawyer is paid 21% of a person's backpay only after a case has been won).
About the Author: Tim Moore is a former Social Security Disability Examiner in North Carolina, has been interviewed by the NY Times and the LA Times on the disability system, and is an Accredited Disability
Representative (ADR) in North Carolina. For assistance on a disability application or Appeal in NC, click here.
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