In New Jersey, residents who have disabilities could qualify for federal Social Security Disability Insurance (SSDI). Disabled workers who have contributed to the Social Security Trust Fund (and their dependents) could also be eligible for Supplemental Security Income (SSI).
Navigating these benefits – and the resources available – can be challenging. So, here’s a brief guide to help you on your way.
What Is SSDI?
SSDI provides monthly payments to people in New Jersey and other states who have a disability that prevents (or limits them) from working.
Those who are eligible receive payment amounts that are based on their work history – prior to the start of their disabilities.
To qualify, you must have a recognized disability or blindness that affects your ability to work for a period of one year or more.
You must also have enough work history to be eligible for SSDI. If you are over the age of twenty-four, you must have worked for at least five of the previous ten years. The rules are different for those under the age of twenty-four – so you may not need to have worked for as long.
If your disability limits you from working full-time but you are able to continue to work, as of 2024, you must earn less than $1,550 per month if you are disabled or $2,590 if you are blind in order to qualify.
All those who qualify may be able to receive Medicare and a monthly payment.
What Is SSI?
If you are disabled, blind, or over the age of sixty-five and have little or no income or resources, you could qualify for SSI, which provides monthly payments.
The amount you could receive is dependent on your income level, your assets, your living situation, and other factors.
How to Apply
For SSDI and/or SSI, the easiest way to apply is online via the official website of the Social Security Administration.
You can also call the SSA at +1 800-772-1213 to set up an appointment to apply for the benefits. The appointment could be over the phone or in person at a Social Security office.
In New Jersey, Social Security offices are in these locations:
- Brick.
- Bridgeton.
- Bridgewater.
- Cherry Hill.
- Clifton.
- East Orange.
- Egg Harbor Twp.
- Glassboro.
- Hackensack.
- Hoboken.
- Iselin.
- Jersey City.
- Mount Laurel.
- Neptune.
- New Brunswick.
- Newark.
- Newton.
- Parsippany.
- Paterson.
- Rio Grande.
- Toms River.
- Trenton.
- Union.
Available Resources
You can visit the SSA website to access additional information and resources concerning SSDI and SSI.
Additionally, you may want to explore resources like Medicaid and the Supplemental Nutrition Assistance Program (SNAP) – which can help you take care of basic needs and save you money when you qualify for SSI. SNAP helps you to pay for food while Medicaid provides you with funds to pay healthcare bills.
You’ll also find a plethora of helpful information concerning both SSDI and SSI (as well as workers’ compensation and veterans disability claims) online at DisabilityApprovalGuide. It’s the go-to hub for learning things like what to expect when you visit a Social Security office and determining how long it takes to receive disability benefits.
Consulting a Lawyer Could Be Beneficial
When navigating SSDI or SSI claims in New Jersey, consulting a lawyer offers several advantages. They understand the complex legal processes and paperwork involved. This expertise helps avoid common mistakes that could delay or deny your claim.
Attorneys also provide valuable insights into medical evidence requirements, ensuring all necessary documentation supports your case effectively.
Additionally, having legal representation often improves communication with the SSA. Lawyers know how to advocate on your behalf during hearings or appeals if needed. Hiring an expert saves time and reduces stress throughout this demanding process.
Ultimately, investing in a lawyer could increase your chances of successfully securing benefits.
The Bottom Line
Navigating Social Security Disability benefits in New Jersey might seem daunting. However, understanding the basics of SSDI and SSI eases the process.
Utilizing online resources, visiting a local Social Security office, and possibly consulting with a lawyer simplifies this journey. With proper guidance, accessing these vital benefits becomes manageable for those in need.
Take advantage of the available resources to ensure you receive the support you deserve for financial stability and well-being during your difficult time.