How To Apply For Disability In New York

If you have ever needed to apply for Disability in New York but are unsure of the necessary steps, or you’re just intimidated by the process, we may have some answers to your questions! Here we can provide legal advice and walk you through the steps of applying for disability. It can seem intimidating and complicated to go through, but we are here to help you navigate!

What qualifies for disability in New York?

SSDI (Social Security Disability) and SSI (Social Security Income) are available for qualified applicants in the United States and those who can no longer work due to disability and are open for these individuals to apply for. These resources are designed to be available for those who are unable to work and are struggling with little to no income, and are having a hard time acquiring their basic needs due to injury, illness, or any other disability.

To qualify in New York, you must not be able to work due to a medical condition, you are unable to do the work you were doing before, you decide that you cannot adjust to working because of your medical condition, your medical condition or disability is expected to last for a minimum of one year and or will result in death. If any of these apply to you, you may be eligible to apply for disability in New York.

Is it difficult to get approved for disability in New York State?

The short answer to this question is yes, getting approved in New York is a bit difficult. Roughly 60% of people who apply for disability or Social Security Income do not get approved due to not meeting the criteria. To get approved in New York, applicants must be able to prove their disability or medical condition will last at least 12 months.

The medical conditions do not have to be occupation related. However, the disability must prevent the applicant from working. This may be difficult for some applicants to prove, as disabilities may range regarding the time required to be taken off from work.

How long can I expect to wait for approval?

The initial disability claims can take anywhere from 30 days to 90 days before getting approved, and if you do get approved you will not be able to receive your benefits right away. You will not be able to receive your benefits until after you have completed a five-month mandatory waiting period. The first benefit will be received on the sixth full month after your disability is found to begin.

How much does disability pay in New York?

Disability benefits are cash benefits paid to the individual who is now rendered unable to work due to a lasting medical condition or disability. The benefits are equivalent to about 50% of the former employee’s weekly work wage for the last eight weeks worked. The maximum benefit payment is capped at $150 a week, whether that’s long- or short-term disability benefits.

What should I know before applying for benefits?

You should know a few things before beginning the application process. You can not get benefits solely based on your doctor saying you are disabled; the SSA has a strict definition of disability, so to be considered disabled you must meet the criteria set by the SSA. You will receive an interview with a Social Security Representative, this will either take place over the phone or in your local Social Security Office. This interview will take at least 1 hour, but you can cut your interview time in half by having all the necessary documents on hand. You should also apply for these benefits as soon as you become disabled, as there are mandatory waiting periods involved in the process—the sooner you apply the better.

Can I submit an online application?

Fortunately, we have a couple of ways to apply for Social Security Benefits. You can apply with a physical copy on paper, or you can apply online. The best way to go about applying is to first see if you are eligible to apply. Then, gather all the necessary information needed to apply.

The necessary items to have on hand and ready for applying are:

  • Birth and citizenship records
  • Marriage or divorce information
  • Names and birthdates of all children
  • U.S. Military Service Information
  • Employment records (for the current year and previous 2 years)
  • Bank information (including direct deposit information)
  • Name and contact info so someone can help you with the disability claim
  • Contact information for all doctors, hospitals, and clinics you have been seen or treated at
  • Job history regarding when the disability began and you became unable to work
  • Your education and training information

These will help the application process go by much quicker and more efficiently. Then you can go to the application page for Social Security Benefits, and complete the application process. After that, submit the completed application, and an NYS Division of Disability Determinations will review your application and decide whether or not you are eligible for benefits.

Can you work while on disability in New York?

Once you have received Social Security Benefits, you are allowed what is called a trial period of up to nine months total over a five-year period to work. This means eligible employees are allowed job protection for this amount of time and still receive disability benefits. This testing period also allows individuals to test their strength and endurance in the work field to see if they are able to return to work without risking the loss of benefits.

How can Trajector help me?

Here at Trajector, we are here to help those who are struggling with disability get the medical and financial help they legally deserve. We know it can be hard or intimidating to get benefits, and we aim to help alleviate any of the additional stress that can come with applying for your benefits. We understand that it can be a very draining and emotional process and seek to help every individual client on a real and personal level.

We empathize with those who have had a difficult time trying to receive benefits and aim to help alleviate these struggles by helping navigate what may seem to be a very complicated and drawn-out process. That’s why we offer legal advice and additional resources to any qualified applicants looking for Social Security Disability benefits in New York State or anywhere in the United States.

A Guide to SSI Benefits for Children with Disabilities

Introduction

Caregivers of children with disabilities can be financially and emotionally strained, not to mention overworked. These young people often require extra care, not just from their parents and schools but also from physicians and therapists. Special equipment, like wheelchairs and hearing aids, can be expensive, so parents of disabled children might wonder what family benefits are available and how to qualify for them. To receive protection under the Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) programs, you need to know eligibility requirements and income guidelines. This article will explain how to qualify and apply for SSI disability benefits for children and how Trajector can help you get started.

Can children qualify for SSI?

In most cases, low-income children and young adults with disabilities qualify for Supplemental Security Income (SSI) benefits and cash assistance. As a program administered by the Social Security Administration, SSI is not only available to young ones who qualify for the disability program but also to certain foster children placed under foster care with an approved adoption agency or adoptive parents. The rules and regulations for eligibility are slightly different in each situation.

What might qualify a child for social security disability insurance?

Consideration for children’s SSI benefits differs slightly from the general disability criteria. When applying for a child who is disabled, the standards for meeting SSI requirements are strict. As a parent with limited income, your little one must have a medically determinable severe impairment that will last at least 12 months or result in death. Some of the most common types of disabilities related to children that the social security benefit covers include:

  • musculoskeletal disorders
  • mental retardation
  • blindness or visual impairment
  • deafness or hearing impairments
  • speech disabilities
  • neurological disorders
  • cancer, heart condition, or respiratory disorders

Read this article for more information about what qualifies as a disability for a child.

How much money can you receive to take care of a disabled dependent?

Social Security offers cash benefits to families caring for severely disabled dependents. One parent can usually receive up to $914 per month, and a married couple can receive up to $1,371 per month. Benefits for dependents with disabilities vary by state, so the amount received will depend on where you live. Also, the SSI disability benefit the family is entitled to is subject to any countable income your disabled child receives from other sources. Take that into consideration when applying.

How do you apply for disability on behalf of a child?

Once you’re confident that your child meets the childhood disability SSI eligibility criteria for a severe medical condition, begin putting together the necessary documentation to establish their disability. A medical opinion by a doctor, a diagnosis of the child’s disease, and evidence of how it affects your child’s educational and developmental progress are needed. Then you can inform the Social Security Administration that you want to apply for SSI for your qualifying child. Alternatively, call them at 1-800-772-1213 and ask to file for disability for your child.

 

Here’s our extensive guide on how to file for disability.

Is it hard to get approved for child benefits?

Yes, this is an all-around tough process. A denied disability claim is usually not always the fault of the applicant. Not all children with disabilities are eligible for benefits, and not all eligible children are approved or have a correct account. Strict interpretation of disability, income limit criteria, and lengthy paperwork mean you must jump many hurdles to get the support you need. You will likely be rejected at least once, so don’t get discouraged! Take another look at your application and ensure you’ve followed the instructions carefully.

Does the SSA qualify ADHD as a childhood disability?

Yes. SSA recognizes ADHD as a Neurodevelopmental Disorder under the umbrella of mental health disorders for which Social Security disability benefits are available. More specifically, if severe functional limitations cause marked restrictions in primary aspects of life, the SSI benefits for children with ADHD can be approved. Remember, though, that it is up to the SSA’s discretion whether or not a minor deserves coverage. So the SSI payment is not guaranteed no matter how qualified you are as an applicant.

Do mental illnesses qualify as childhood disabilities?

Yes. The SSA has to come up with a decision on how to classify your child’s disability. The Blue Book of Mental Disorders includes schizophrenia, bipolar depression, autism, and other mental health conditions that psychiatrists commonly treat. Since mental illness is a psychological or behavioral disorder that seriously affects a person’s thinking, feeling, and mood, the SSA will likely accept it as a childhood disability. While the SSA considers what qualifies as an extreme dysfunction on a case-by-case basis, mental illness would probably be eligible.

How will I know if my child is approved for SSI?

SSA will write you a letter that includes their decision. Typically, it takes 3 to 5 months to receive this notice. Sometimes they will contact you to clarify or get more information. If you disagree with their determination, you can request a hearing to dispute the matter. Within 60 days of receiving the letter of disapproval, you must complain about the denial by filling out a complaint form or reaching out to a local Social Security office near you.

For how long will my child be able to collect SSI?

An SSI recipient will receive benefits until age 18 when the teenager becomes ineligible. Monthly payment amounts change each year. So it’s important to check the Social Security website for updates. Besides receiving SSI, the physically impaired or special needs child can qualify for other benefits. For example, Medicaid coverage, a health care program for low-income earners, can cover these children’s medical costs. Also, your child may qualify for special education programs available in your state.

How soon can survivor benefits be set up for a child?

As soon as the child’s parent passes, the surviving spouse or guardian can make a formal request on behalf of the child to access the financial aid cover. Immediate survivor benefits may not be available for the month of the parent’s death because records need to be processed and approved. Automatic payment cannot happen right away. How quickly the Social Security Administration grants or disburses the benefits depends on various factors, such as the time it takes to receive the required documentation and review the suitability of the case.

What should I know before applying for disability for my child?

  1. Supplemental Security Income (SSI) funds the child support, medical, and living expenses of disabled children from low-income families.
  2. Children with disabilities are eligible for other government assistance programs like the Supplemental Nutrition Assistance Program (SNAP) under the Social Security Act, depending on their needs and circumstances.
  3. Apart from Medicaid services, a child who has a disability and needs additional assistance may also qualify for health insurance under a State Children’s Health Insurance Program (SCHIP) or an equivalent program like the Federal Employees Health Benefits (FEHB) or the US Family Health Plan (USFHP) and the National Guard or Reserve Members and Families health plan.

How can Trajector help me?

Trajector will work with you to explore all possible paths to obtaining government or private health insurance for your children. By working with a physician and allied health specialist, Trajector can assist in gathering the medical evidence needed to qualify for medical and physical therapy benefits.

A special needs child’s parent with low income and limited resources stands a better chance of gaining from a support system if they have a professional advocate to guide them through the perplexities of the medical assistance system.

Trajector represents families at all levels of appeal, helping them to gain approval with the Department of Human Services while working with the family to pursue maximum medical or financial compensation from insurance companies.

Government Benefits for Seniors Over 65

Whether it’s government benefits or financial assistance, finding the right benefits for senior citizens is challenging, especially with the influx of confusing information out there.

In this short guide, we’ll discuss all you need to know about government benefits and list the available benefits for seniors in the United States.

What are all the available benefits for senior citizens?

There are many benefits for senior citizens over 65.

These programs offer reduced or free cost options, including:

  • Health care
  • Housing assistance
  • Transportation services
  • Food and dining
  • Recreational activities

Some of these programs include:

Social security Administration

The Social Security Administration (SSA) is a government agency that offers financial support to American seniors who are over 65.

The funding source is payroll taxes withheld from the paycheck of working Americans.

The Social Security Administration tracks everyone that pays into the system.

This ensures seniors have sufficient retirement savings by investing the money into special securities systems accessible through specific programs like the Medicare savings program and social security retirement insurance benefits.

Reverse Mortgage Program 

Seniors who meet the requirements of the Reverse Mortgage program may qualify for a guaranteed monthly income payment. The requirements include the following:

  • Minimum age 62
  • Have their home
  • Have reasonable Value in home equity

The most appealing feature of the HUD Reverse Mortgage program is that as long as they reside in their home, older homeowners don’t have to:

  • Repay the money received from the program; or
  • Pay for interest on it

Medicare

Retirees don’t have to worry about their health coverage or the expensive cost of insurance plans. Thanks to Medicare – one of the most popular federal government programs for seniors.

Here’s how Medicare works:

Medicare Part A offers hospital insurance that is free of charge for most retirees.

Medicare Part B offers medical care and doctor’s visit at $148.50 monthly- some retirees may pay more.

Medicare Part B premiums can be removed from the beneficiary’s security payment, meaning there’s no bill.

Some Retirees may qualify for supplemental Medicare Part D, meaning that the Government covers the prescription cost.

These senior benefits can help people above 65 live a healthy and financially secure life.

Other additional benefits for seniors above 65 are:

  • Social security disability insurance (SSDI)
  • Supplemental Security Income
  • Veterans Health Administration (VHA)

What are medical flex cards, and how do I get one? 

A Medicare flex card is a debit card preloaded with a specific amount of money designed to cover certain health expenses.

Despite being called the Medicare flex card, this card is not issued by Medicare. But, a promotional process from private health insurance companies encourages people to apply for their Medicare plans.

Getting a medicare flex card starts with knowing the right private health insurance provider that gives away this card to encourage people to sign up for their Medicare Advantage Plans.

The flex card is scarce despite the recent uptick in internet advert.

For instance, the card may be offered by a specific private insurance company in a state and only available for customers who meet specific criteria and are on a select plan.

To apply for this card, contact a Medicare Advantage provider. Ask for information about the amount available, services covered, etc.

What are the criteria for senior benefits? 

Individuals classified as seniors have different eligibility requirements for receiving disability benefits. However, the employment requirements do not determine them.

To become eligible for senior benefits, you must be over 60 (assuming you pass other eligibility areas like the citizenship requirements).

The resource and income limits are higher to enable seniors to live comfortably.

In some cases, individuals above 60 must be unemployed to receive these benefits (although they may still be working). That’s why it’s important to know when to apply for social security.

Other programs are designed for seniors, depending on their location and eligibility.

These programs are funded through state and federal programs but run through local agencies like food banks and social service agencies.

To become eligible as a disabled senior, there are some options.

These programs have strict eligibility requirements and lots of documentation.

However, once a disability application is approved under SSI or a related state program, you can become approved for other disability services and programs.

When your application is approved, the SSA will assign a caseworker. A caseworker can help apply for other programs. In addition, you can assign someone to represent you for meetings or interviews regarding your benefits.

How much do you receive in monthly retirement payments?

It’s difficult to predict how much a senior can receive in monthly retirement payments.

The average social security benefits are expected to reach $1,827 per month in 2023. The highest possible social security benefit for a senior who retires at the full retirement age is expected to be $3,627 in 2023.

Can you work while receiving social security benefits? 

One of the most common questions among people is whether social security counts as income and whether an individual may work while receiving benefits.

It is still possible to get social security retirement and work simultaneously. However, remember that there’s a limit to how much they can receive.

SSI may reduce their benefit if a senior is younger than the full retirement age and earns above the yearly earning limit.

If they’re under full retirement age for the whole year, $1 will be deducted from the benefit payment for every $2 they earn above the yearly limit. The limit for 2022 is $19,560.

If their earnings are above the limit for the year and they’ll receive retirement benefits for some parts of the year, some special rules apply to earning for a year. For example, the special security disability rules after 50 allow social security to pay a full advantage for any month they consider you retired, irrespective of the individual’s yearly earnings.

How long does it take to get approved for senior benefits?

The social security approval process can be speedy, but because it is a government program with many applicants, waiting for up to six weeks to get approval is normal.

Remember that this timeframe only applies if everything works as expected.

Suppose your application contains incorrect information, such as an error in your social security number or birth date. In that case, you can expect a denial and start the whole process again.

Remember that non retirement social security benefits like disability may take up to 5 months for approval.

How Trajector can help me 

Trajector is committed to helping older Americans receive their entitled benefits on time.

With over 45 million American seniors above the age of 65 and more retiring and aging out every year, using the help of a benefits expert is a good step.

Trajectory works with industry professionals to support the legal protection and care that older adults desire.