Frequently Asked Questions (FAQs)

The Disability Claim Builder FAQs

  • The Disability Claim Builder is an innovative, user-friendly platform that guides applicants through the Social Security Disability (SSD) application process. It simplifies the filing process, helping applicants submit accurate and complete claims, increasing their chances of approval.

  • The Disability Claim Builder streamlines the entire application process by offering clear, step-by-step guidance. It ensures that all necessary documentation is submitted correctly and on time, reducing the chances of delays due to incomplete or inaccurate applications. Our platform helps users build stronger claims, which can lead to quicker approvals.

  • Traditional Social Security Disability (SSD) representation can be costly, with legal fees taking up a significant portion of an applicant’s benefits. The Disability Claim Builder offers an affordable alternative, allowing applicants to handle their applications with the same care and attention without the high cost of legal representation.

  • Yes! The platform is designed for anyone, regardless of their experience with legal matters or technology. It breaks down the complex Social Security Disability (SSD) process into simple, easy-to-understand steps that anyone can follow.

  • In addition to guiding applicants through the Social Security Disability (SSD) application process, the Disability Claim Builder offers real-time assistance with FAQs and tips for filling out each section. Users can feel confident knowing they are submitting a well-supported claim.

  • Yes. If an applicant has already been denied, the Disability Claim Builder can help users build a stronger appeal by addressing weaknesses in the initial application and submitting a more comprehensive case.

  • The platform prompts applicants to provide all the necessary details, such as medical records, employment history, and other required documentation, which ensures that claims are thorough and complete. This reduces the likelihood of errors or missing information, which can delay or hinder approval.

  • The Disability Claim Builder is designed to assist a wide range of SSD applicants, including those with physical disabilities, cognitive impairments, and chronic health conditions. Its customizable process ensures that the unique circumstances of each individual are considered when building the claim.

  • Absolutely. Non-profits and other organizations that assist people in need, such as veterans or the homeless, can use the platform to streamline their clients’ applications, helping them secure benefits faster and with fewer barriers.

  • The Disability Claim Builder has an approval rate of 89%, with some applicants receiving decisions in as little as four weeks. Our proven system helps applicants submit stronger, more complete claims that lead to faster approvals.

    If you have further questions, feel free to reach out to our team at helpme@unboundclaims.com. We’re here to help you get the benefits you deserve!

  • While the primary focus of the Disability Claim Builder is on Social Security Disability (SSD) applications, successfully obtaining SSD benefits can lead to automatic Medicaid eligibility in many states. By simplifying the SSD application process, the tool indirectly facilitates access to Medicaid benefits, as individuals who are approved for SSD are often eligible for Medicaid.

  • To get started with the Disability Claim Builder, visit the Unbound Disability Claims website and follow the instructions to create an account and begin the application process. The platform will guide you through each step, providing assistance and resources to help you complete your SSD application efficiently.

  • The Disability Claim Builder may have associated fees, which can vary based on the level of service and support needed. It’s important to contact Unbound Disability Claims's support team for more information about costs and available options.

Social Security Disability FAQs

  • Social Security Disability (SSD) is a federal program that provides financial assistance to individuals who are unable to work due to a qualifying disability. The program is administered by the Social Security Administration (SSA) and aims to support those who have severe disabilities that prevent them from performing substantial gainful activities.

  • To be eligible for SSD benefits, you must have a medical condition that meets the SSA's definition of disability, which means it is severe enough to prevent you from performing any substantial gainful activity.

  • You can apply for SSD benefits online through the SSA's website, by phone, or in person at a local SSA office. The application requires detailed medical documentation, proof of work history, and personal information. It’s often helpful to seek assistance from a disability advocate or attorney to ensure your application is completed accurately.

  • SSD benefits are available for a range of medical conditions, including both physical and mental health impairments. The SSA provides a list of qualifying conditions in the "Blue Book," which includes detailed criteria for various disabilities. Conditions such as cancer, heart disease, musculoskeletal disorders, mental health conditions, and neurological disorders can qualify, provided they meet the SSA's severity and duration requirements.

  • To apply for SSD, you will need to provide several types of documentation, including:

    • Medical records and evidence of your disability

    • Work history and records of earnings

    • Personal identification information (e.g., Social Security number, birth certificate)

    • Proof of any other benefits or income

  • The SSD application process can vary in length depending on several factors, including the complexity of your case and the workload of the SSA. On average, it can take several months to over a year to receive a decision. If your initial application is denied, the appeals process can add additional time.

  • If your SSD application is denied, you have the right to appeal the decision. The appeals process involves several stages, including requesting reconsideration, attending a hearing before an Administrative Law Judge, and potentially appealing to the Appeals Council and federal court. It is advisable to seek assistance from a disability attorney or advocate during this process.

  • The amount of SSD benefits you receive depends on your work history and the amount of Social Security taxes you’ve paid. The SSA uses a formula based on your average lifetime earnings to determine your benefit amount. You can use the SSA’s online benefits calculator to estimate your monthly payments.

  • If your SSD application is approved, you will start receiving benefits in the month after the SSA’s decision. However, there is a mandatory five-month waiting period from the onset date of your disability before you can begin receiving benefits. The benefits are typically paid monthly.

  • SSD benefits can be adjusted or stopped if there are changes in your medical condition or work status. For example, if you return to work and earn above a certain income threshold, your benefits may be reduced or terminated. Additionally, if the SSA determines that you are no longer disabled, your benefits may be discontinued.

  • You can work while receiving SSD benefits, but there are limits on how much you can earn. The SSA has specific guidelines on substantial gainful activity (SGA), which defines the maximum income you can earn while still qualifying for benefits. Exceeding these limits may affect your eligibility.

  • If you need assistance with your SSD application, you can seek help from a disability advocate or attorney who specializes in Social Security claims. These professionals can guide you through the application process, ensure that your paperwork is completed accurately, and assist with appeals if necessary.

  • You can check the status of your SSD application online through the SSA’s My Social Security portal. You can also contact the SSA by phone or visit a local office for updates on your application status.

Social Security Disability Insurance (SSDI) FAQs

  • Social Security Disability Insurance (SSDI) is a federal program that provides financial assistance to individuals who are unable to work due to a severe and long-term disability. SSDI benefits are based on the individual's prior work history and the amount they have paid into the Social Security system through payroll taxes.

  • To be eligible for SSDI benefits, you must meet the following criteria:

    • Have a qualifying disability that prevents you from engaging in substantial gainful activity.

    • Have worked and paid Social Security taxes for a sufficient number of years, generally five out of the last ten years.

    • Have earned enough work credits, which are based on your total earnings.

  • SSDI benefits can be granted for a wide range of medical conditions, including both physical and mental impairments. The condition must be severe enough to prevent you from working and expected to last at least 12 months or result in death. The SSA maintains a list of qualifying conditions, known as the "Blue Book," which includes various impairments and their severity levels.

  • You can apply for SSDI benefits online through the Social Security Administration (SSA) website, by phone, or in person at a local SSA office. The application process requires detailed information about your medical condition, work history, and personal details.

  • To apply for SSDI, you will need to provide:

    • Proof of identity and citizenship or immigration status.

    • Detailed medical records and documentation about your disability.

    • Your complete work history, including employment and earnings information.

    • Any other relevant documents, such as tax returns and proof of income.

  • The SSDI application process can take several months, often up to five months or longer. The time required depends on the complexity of your case and the SSA’s workload. If your initial application is denied, you have the right to appeal, which can further extend the process.

  • If your SSDI application is denied, you have the option to appeal the decision. The appeals process includes several stages: requesting reconsideration, attending a hearing before an Administrative Law Judge, and potentially appealing to the Appeals Council and federal court.

  • The amount of SSDI benefits you receive depends on your earnings history and the number of work credits you have accumulated. SSDI benefits are calculated based on your average lifetime earnings before your disability began. The SSA provides an estimated benefit amount when you apply.

  • SSDI benefits typically begin six months after the onset date of your disability. There is a five-month waiting period from the onset date before benefits can start. Benefits are paid monthly and are typically deposited directly into your bank account.

  • SSDI benefits can be adjusted or stopped if there are changes in your disability status, work activity, or if you reach full retirement age. If your condition improves and you are able to work, the SSA may review your case and determine if benefits should be reduced or terminated.

  • Yes, you can work while receiving SSDI benefits, but there are limits on how much you can earn. The SSA has work incentives and trial work periods that allow you to test your ability to work without immediately losing your benefits. Reporting your earnings to the SSA is crucial for maintaining your benefits.

  • You can check the status of your SSDI application online through the SSA’s My Social Security portal. You can also contact the SSA by phone or visit a local office for updates on your application status.

  • If you need assistance with your SSDI application, consider seeking help from a disability advocate or attorney who specializes in SSDI claims. They can guide you through the application process, ensure that your paperwork is completed accurately, and assist with appeals if necessary.

Supplemental Security Income (SSI) FAQs

  • Supplemental Security Income (SSI) is a federal program that provides financial assistance to individuals who are aged, blind, or disabled, and have low income and limited resources. Unlike Social Security Disability Insurance (SSDI), SSI benefits are not based on prior work history but are intended to help those with financial need.

  • To be eligible for SSI benefits, you must meet the following criteria:

    • Be aged 65 or older, blind, or disabled.

    • Have limited income and resources that fall below the program’s thresholds.

    • Be a U.S. citizen or a qualified alien.

    • Reside in the United States.

  • As of 2024, the SSI income limit for an individual is $1,710 per month, and for a couple, it is $2,284 per month. The resource limits are $2,000 for an individual and $3,000 for a couple. Resources include cash, bank accounts, and other assets. Some resources, like a primary residence and a car, may not count toward these limits.

  • You can apply for SSI benefits online through the Social Security Administration (SSA) website, by phone, or in person at a local SSA office. The application process requires personal and financial information, including proof of income, resources, and medical records if applying due to disability.

  • SSI benefits can be granted based on disability if your medical condition is severe enough to prevent you from working and is expected to last at least 12 months or result in death. The SSA provides a list of qualifying conditions in their "Blue Book," including mental and physical impairments.

  • To apply for SSI, you will need to provide:

    • Proof of identity and citizenship or immigration status.

    • Proof of income and resources.

    • Medical records and documentation if applying based on disability.

    • Information about your living arrangements and housing costs.

  • The SSI application process can take several months. The length of time depends on the complexity of your case and the workload of the SSA. If your application is denied, you can appeal the decision, which can add additional time to the process.

  • If your SSI application is denied, you have the right to appeal the decision. The appeals process involves several stages, including requesting reconsideration, attending a hearing before an Administrative Law Judge, and potentially appealing to the Appeals Council and federal court.

  • The amount of SSI benefits you receive depends on your income, resources, and living arrangements. The federal SSI benefit rate is subject to annual adjustments based on the cost-of-living. For 2024, the maximum federal SSI benefit is $914 per month for an individual and $1,371 for a couple.

  • If your SSI application is approved, benefits typically begin in the month after the SSA’s decision. However, there is a mandatory one-month waiting period before you start receiving benefits.

  • SSI benefits can be adjusted or stopped if there are changes in your income, resources, or living situation. For example, if your income increases or if you accumulate additional resources, your benefits may be reduced. Additionally, if the SSA determines that you are no longer eligible, your benefits may be discontinued.

  • Yes, you can work while receiving SSI benefits, but there are limits on how much you can earn. The SSA has specific rules and work incentives that allow you to earn income without immediately losing your benefits. Reporting your earnings and understanding the SSA’s work incentives are important for maintaining your benefits.

  • You can check the status of your SSI application online through the SSA’s My Social Security portal. You can also contact the SSA by phone or visit a local office for updates on your application status.

  • If you need assistance with your SSI application, you can seek help from a disability advocate or attorney who specializes in SSI claims. They can guide you through the application process, ensure your paperwork is completed accurately, and assist with appeals if necessary.

 Medicare Eligibility For Social Security Disability Insurance (SSDI) FAQs

  • Medicare is a federal health insurance program that provides coverage for individuals aged 65 and older, as well as certain younger people with disabilities. It helps cover medical expenses such as hospital stays, medical services, and prescription drugs.

  • Yes, SSDI recipients can qualify for Medicare. Individuals who have been receiving Social Security Disability Insurance (SSDI) benefits for 24 months are automatically eligible for Medicare, regardless of their age.

  • SSDI recipients become eligible for Medicare after they have been receiving SSDI benefits for 24 consecutive months. Medicare eligibility begins on the 25th month of SSDI benefits.

  • Medicare consists of four parts:

    • Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.

    • Part B (Medical Insurance): Covers outpatient hospital services, doctor visits, preventive services, and some home health care.

    • Part C (Medicare Advantage): Offers a way to receive Medicare benefits through private health plans that include coverage from both Part A and Part B and often additional benefits.

    • Part D (Prescription Drug Coverage): Provides prescription drug coverage through private insurance plans.

  • Medicare Part A covers inpatient hospital stays, nursing home care (under certain conditions), hospice care, and some home health care. Most beneficiaries do not pay a premium for Part A if they have worked and paid Social Security taxes for at least 40 quarters.

  • Medicare Part B covers outpatient care, doctor services, preventive services, and some home health care. Beneficiaries usually pay a monthly premium for Part B coverage.

  • Enrollment in Medicare for SSDI recipients is automatic. You will be enrolled in Medicare Parts A and B beginning on the 25th month of your SSDI benefits. You will receive a Medicare card in the mail about three months before your Medicare coverage begins.

  • While Medicare Part A is usually free for those who have paid into Social Security, Part B has a monthly premium that varies based on income. There may also be deductibles, copayments, and coinsurance for both Part A and Part B services. Medicare Part C and Part D plans may also have additional costs and premiums.

  • If you are interested in enrolling in Medicare Part C (Medicare Advantage) or Part D (Prescription Drug Coverage), you need to choose a plan offered by private insurers and enroll during the annual enrollment period. You can compare plans and enroll through the Medicare website or by contacting Medicare directly.

  • Medicare provides comprehensive health coverage, including hospital and outpatient care, preventive services, and prescription drug coverage. It helps reduce out-of-pocket medical expenses and provides access to a broad range of healthcare services.

  • While Medicare provides extensive coverage, it does not cover all medical expenses. There may be costs for certain services, including deductibles, copayments, and coinsurance. Some services may require prior authorization or have limitations.

  • Yes, SSDI recipients with limited income and resources may qualify for extra help with Medicare costs through programs like Medicaid or Medicare Savings Programs. These programs can help pay for premiums, deductibles, and other out-of-pocket expenses.

  • For more information about Medicare, you can visit the Medicare website, contact Medicare directly, or speak with a Medicare counselor. Additionally, Social Security Administration (SSA) offices and local Medicare offices can provide guidance and assistance.

  • If you have issues or questions about your Medicare coverage, contact Medicare Customer Service at 1-800-MEDICARE (1-800-633-4227) or visit the Medicare website for resources and assistance. You can also seek help from a Medicare counselor or advocate who specializes in Medicare benefits.

 Medicaid FAQs

  • Medicaid is a state and federal program that provides health insurance to low-income individuals and families, including those with disabilities. Eligibility and benefits can vary by state, but generally, Medicaid covers a broad range of healthcare services, including hospital and doctor visits, prescription drugs, and long-term care.

  • SSD beneficiaries may qualify for Medicaid if their income and assets fall below their state’s Medicaid eligibility thresholds. In many states, receiving SSD benefits automatically qualifies individuals for Medicaid, particularly if they meet other low-income criteria. Eligibility rules can vary, so it’s important to check with your local Medicaid office or a benefits advisor for specific requirements.

  • Yes, Medicaid coverage can be retroactive in some states. This retroactive coverage can help pay for medical expenses incurred before the application was processed. It is best to check your state’s coverage rules, as rules vary by state.

  • Medicaid applications can be completed online, by phone, or in person at your local Medicaid office. You’ll need to provide information about your income, assets, and household size. Many states also have streamlined application processes for individuals who are receiving SSD benefits.