Social Security offices have been closed to the public for in-person meetings and appointments due to the COVID-19 pandemic. Now, with vaccinations beginning, we anticipate the eventual re-opening of these field offices—however, we also anticipate significant wait times and delays in getting in-person meetings and appointments to help with the filing and process of disability claims. Fortunately, Regas & Haag is here to help.

Important Information for Disability Insurance Applicants
Each year about 2 million people apply for SSDI benefits, but the Social Security Administration (SSA) only approves about 37% of first-time applicants. That leaves 700,000 ineligible applicants who are denied; most after waiting for more than two years. At Regas & Haag, we’re here to help you through the steps of the application process for Social Security Disability Benefits. Here is what you need to know about applying for SSDI:

1. You must meet the duration of work test, meaning you are fully insured, and record at least 40 quarters of paying FICA taxes throughout your entire working career.
2. You must meet the recent work test of 20 quarters or credits (5 years) of earnings during the last 10 years.
3. If your disability is determined to be long term, permanent or terminal, you can apply for SSDI. But don’t wait too long before applying, as a delay could render you ineligible.
4. You must meet the SSA’s definition of disability to receive SSDI benefits.
5. Once approved, plan for your benefits to begin five months after the date you last worked.
6. Disability benefits convert to retirement benefits once you reach 65–67 depending on your birthdate.
7. Confirm your eligibility before you apply. Regas & Haag will help you determine if you are eligible before you apply, and help navigate the SSDI process.
8. Considering applying alone? Applicants with representatives have a higher chance of success at the application and appeal levels of the SSDI program.
   At Regas & Haag, we handle all the steps of the application process for Social Security Disability Benefits so you don’t have to. This eliminates the need for applicants to wait for hours on-hold or in line. We also anticipate appointments being filled months into the future upon the
   reopening of Social Security offices. When you file your application can affect how much money you receive, so it’s important to submit your application early. Contact us to speak to a representative today and learn how Regas & Haag can help!