How Do I Qualify for Disability Benefits in Indianapolis?
To qualify for disability benefits you need to show that you have a health problem, plus more. Your medical issue must keep you from working any job for 12 months or longer.
And Social Security runs two different disability programs with their own qualifications regarding your work history and finances.
Social Security Disability Insurance (SSDI) is a program for people who have been working and paying into Social Security for years.
Supplemental Security Income (SSI) is a need-based program. You can qualify even if you’ve never worked, but you must meet strict criteria for having few financial resources to draw on.
Here is a breakdown of the requirements for the two programs:
| Qualification | SSDI | SSI |
| Your health problems prevent you from working any job | YES | YES |
| Your health problems and inability to work will last 12 months or longer | YES | YES |
| You have worked and paid a qualifying amount into Social Security | YES | NO |
| Your financial resources (savings, investments, property) are extremely limited | NO | YES |
If you aren’t sure which benefits you qualify for, or if you think you could be eligible for both SSDI and SSI, we can help you understand your options.
Get a FREE disability claim evaluation.
Applying for Disability in Indianapolis, Step by Step
The work it takes to apply for disability benefits often surprises people.
This process can be intimidating, so it helps to take it step by step.
Step #1: Gather your medical records.
A claims examiner won’t rely only on your word when you say you have a medical condition that stops you from working.
They need objective evidence, like results of medical tests, doctors’ notes about your treatments, and your doctor’s appraisal of your capabilities and limitations.
It can be tough to gather and organize all of this evidence, especially if you see multiple specialists, and when your health is draining your energy and concentration.
Our disability advocates can help with this crucial step.
Step #2: Be ready to prove your work history (for SSDI) or your financial need (for SSI).
If you’re seeking SSDI benefits, you need to verify your work history and show that you’ve paid into the system.
If you’re applying for SSI benefits, you need to have bank records and other evidence that shows you meet the program’s strict limits on financial resources—$2,000 for individuals and $3,000 for couples.
Step #3: Submit your application for disability benefits.
You can apply for disability benefits online, over the phone, or in person at a local Social Security office.
When you work with the Indianapolis disability advocates of Hanley Disability, we’ll make sure your application is complete and backed by evidence that the Social Security Administration (SSA) looks for.
Focus on your health, and let our local disability advocates assist you with your claim.
What Happens if My Disability Claim Gets Denied?
Getting denied disability benefits is a common outcome. Only around 35-40% of initial claims get approved in Indiana.
You do get multiple chances to appeal. If you applied on your own and got denied, our Social Security Disability advocates can help you with your next steps.
Each stage of appeal gets a bit more complicated.
The first step is asking for reconsideration. Social Security will have another claims examiner look at your application for benefits and make another decision.
Chances of winning are still quite low at this stage, so most people move to the second part of the appeals process—the disability hearing.
This gives you the chance to make your case to an administrative law judge (ALJ) in person, but Social Security could also have expert vocational and medical witnesses who give their own assessment of your situation.
An experienced Indiana disability advocate can prepare you for this important step and cross-examine any expert witnesses if they suggest that you don’t need benefits.
Appealing can take a long time, but it’s all worth it when you receive benefits that can return peace of mind and stability to your life.
