If you live in Michigan and are unable to work due to a disability, you might qualify for Social Security Disability Insurance (SSDI) benefits. SSDI provides financial support to individuals who have worked and paid into Social Security but can no longer maintain employment due to a serious medical condition. This guide explains what SSDI benefits are in Michigan, how they work, and how you can qualify.
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Understanding SSDI Benefits in Michigan
SSDI is a federal program, but the application process and disability determinations are handled in part by Michigan’s Disability Determination Services (DDS). SSDI provides:
- Monthly Cash Payments: Based on your prior work history and average lifetime earnings.
- Medicare Eligibility: After 24 months of receiving SSDI benefits, you become eligible for Medicare coverage.
- Dependent Benefits: Certain family members, like minor children or a spouse, may also qualify for benefits based on your SSDI record.
- Protection of Work Credits: Receiving SSDI freezes your earnings record, ensuring your disability doesn’t negatively affect your future Social Security retirement benefits.
Who Qualifies for SSDI in Michigan?
To be eligible for SSDI benefits in Michigan, you must meet these criteria:
- Work Credits Requirement: Typically, you need 40 work credits (about 10 years of work), with 20 earned in the last 10 years. Younger applicants may qualify with fewer credits.
- Severe Disability: You must have a medical condition that prevents you from engaging in substantial gainful activity (SGA) and is expected to last at least 12 months or result in death.
- SSA’s Definition of Disability: Your condition must meet or equal a listing in the SSA’s Blue Book or limit your ability to work in any capacity.
How Are SSDI Payments Calculated in Michigan?
SSDI benefit amounts are calculated based on your average indexed monthly earnings (AIME), not your current income or the severity of your disability. For 2025, the average SSDI payment is approximately $1,500 per month, but it can vary.
- Payments can increase with annual cost-of-living adjustments (COLA).
- You can check your estimated SSDI benefits by creating a mySocialSecurity account on www.ssa.gov.
How to Apply for SSDI in Michigan
You can apply in several ways:
- Online at www.ssa.gov.
- By phone at 1-800-772-1213.
- In person at a local Michigan SSA office.
Make sure to submit thorough medical documentation and provide a detailed work history to support your claim.
How Hogan Smith Can Help
Applying for SSDI benefits can be complex, and many initial claims are denied due to incomplete information or insufficient medical evidence. Hogan Smith can assist Michigan residents by:
- Evaluating your eligibility and work credits.
- Collecting and organizing comprehensive medical records.
- Ensuring your application is correctly filled out and filed on time.
- Communicating with Michigan’s DDS and the SSA.
- Representing you in appeals if your claim is denied.
Contact Hogan Smith Today
Don’t navigate the SSDI application process alone. Contact Hogan Smith for a free consultation and let our experienced team help you secure the benefits you deserve. We’re here to guide Michigan residents every step of the way.
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