Kay Derochie

Kay Derochie

Content Editor

Kay Derochie has decades of experience as a Social Security claims representative and as a disability benefit analyst. As our Chief Content Editor, she brings a depth of Social Security and disability knowledge to her writings on Social Security Disability (SSDI) and Supplemental Security Income (SSI). First serving the public at the Social Security Administration (SSA) office in Miami, Florida and then in Portland, Oregon, Kay guided English- and Spanish-speaking disability claimants through both the SSDI and SSI claim process. Later as a long-term disability (LTD) benefit analyst, Kay determined whether claimants met the required definition of disability. Always keeping her finger on changes in Federal regulations, she assessed whether claimants were likely to qualify for Social Security Disability or SSI benefits so that they could be appropriately referred to the Social Security Administration.

When should I file my Social Security Disability application?

By / June 26, 2018 / Social Security Disability Benefits / 43 Comments

File Your Social Security Application Early Disability Advisor recommends that you file your Social Security Disability application as soon as it appears that you may be disabled for twelve months or that you are not expected to survive for twelve months. Except for compassionate allowances for terminally ill individuals and a few other expedited claims, most disability claims take from three to five months to get a medical decision and longer for benefits to start. Unless you have a clear-cut disability, you might even have to appeal, which would extend the time before an approval even more. So, the sooner...Read more

How do I file an application for Social Security Disability benefits?

By / February 18, 2018 / Social Security Disability Benefits / 18 Comments

Filing an Application for Social Security Disability Online Social Security provides several ways to file your application for Social Security Disability. If you age eighteen or older and not receiving disability benefits on your own earnings record, you can file an application online on the Social Security Administration website, www.ssa.gov. If you have limited income and assets and are not blind and wish to apply for Supplemental Security Income (SSI) at the same time as you apply for SSDI, you can also file an SSI application online. For information about Social Security benefits for disabled dependents, visit our article How Can...Read more

Supplemental Security Income—SSI—the Other Disability Benefit

By / May 1, 2018 / Supplemental Security Income / 559 Comments

Supplement Your Income or Get Disability Benefits without Work Credits Supplemental Security Income (SSI) offers a source of income or a source of supplemental income for disabled adults and children and for adults age sixty-five and over who have limited income and assets. The Social Security Administration (SSA) handles SSI claims. In looking at your SSI application, the first thing that your local SSA office will check for is whether your assets and income including in-kind support and maintenance in the form of free or subsidized shelter or food are within the SSI limits. (Note that all income and assets...Read more

How Much You Will Receive and What to Expect after Your Social Security Disability Claim Is Approved

By / April 21, 2018 / After You’re Social Security Disability Benefits are Approved / 1,230 Comments

What to Expect after Approval of Your Social Security Disability Claim After you have been found disabled, Social Security’s central payment center double-checks that the earnings record on which you are claiming benefits has enough credits to insure you for Social Security benefits. The payment center then calculates benefits, applying any necessary offsets, pays your attorney or other representatives if you have one, and authorizes your payment. It also decides whether benefits can be paid directly to you or whether you need assistance with managing your benefits Once payment starts, benefits will continue as long as you continue to be...Read more

If I am getting workers comp, do I have to wait until it ends before applying for disability benefits from Social Security?

By / February 18, 2018 / Social Security Disability Benefits / 74 Comments

Apply Early for Social Security Disability Applying for Social Security Disability while you are receiving workers’ compensation payments or while your workers’ comp claim or appeal is pending is just fine. In fact, it is especially advisable if the following conditions apply: you are disabled not only from the occupation you were in when you were injured, but also from performing other occupations; or you have been in one occupation all or most of your working years or at least the last fifteen years and can’t do that job any longer; and you believe that your disability will last longer...Read more

Can I apply for Social Security Disability while I am still getting sick leave or long term disability from my employer?

By / February 18, 2018 / Social Security Disability Benefits / 583 Comments

Apply Early For Social Security Disability You can apply for Social Security disability while you are receiving sick pay or short-term disability benefits from your employer and while you are using vacation pay or annual leave to cover sick days. You can also apply if you are receiving or expect to receive long-term disability from your employer’s plan. If you think that your disability will last longer than twelve months or that it is expected to result in your death, you should apply for Social Security Disability as soon as possible without waiting for your other benefits to expire. File...Read more

What is Supplemental Security Income Disability—also known as SSI—and how is it different from Social Security Disability Insurance, known as SSDI or SSD?

By / February 18, 2018 / Supplemental Security Income / 824 Comments

The Difference Between SSI and SSDI Supplemental Security Income, SSI for short, is a Federal needs-based assistance program for people who are either disabled or over age sixty-five. The Social Security Administration administers both Social Security and SSI Disability, but some of the requirements for SSI eligibility are different from those for Social Security. SSDI requires a certain number of work credits and payment of Social Security taxes. In most cases the SSI program does not require work credits. Only non-citizens in a certain immigration status must have work credits to get SSI and that work-credit requirement is different from...Read more

What requirements do I have to meet for SSI Disability eligibility?

By / February 18, 2018 / Supplemental Security Income / 219 Comments

Factors That Govern SSI Disability Eligibility In addition to either being age sixty-five or meeting the SSI Disability eligibility text, which is discussed in What Medical Conditions Are Required to Meet SSI Disability Qualifications and to Get an SSI Approval? you have to meet several non-medical and non-age requirements to get SSI. Citizenship and Alien Status You must be either a U.S. citizen or national or a qualified noncitizen. A qualified noncitizen is a person who is in an immigration status that allows payment of SSI and who meets other noncitizen requirements. For more information about SSI eligibility requirements for noncitizens,...Read more

How will I know whether my application for Social Security Disability benefits has been approved?

By / February 18, 2018 / After You’re Social Security Disability Benefits are Approved / 2,945 Comments

Disability Approval Letters and Other Indications of Approval The Social Security Administration will send you a letter telling you whether your application for Social Security Disability (SSDI) benefits has been approved or denied; however, an approval letter may not be the first indication that you have been approved on initial claim or reconsideration appeal. If you gave Social Security your banking information for direct deposit, you are likely to receive a deposit to your bank account before you receive a letter. So, if you think that it’s about time for you to get a decision, check your accounts every few...Read more

What can I do to improve my chances for a Social Security Disability approval?

By / February 18, 2018 / Social Security Disability Benefits / 32 Comments

List All the Conditions That Contribute To Your Disability There are several things you can do to improve the chances for receiving a Social Security Disability approval. First, be sure to list all medical problems you have, regardless of how severe they are or when they began. Include old injuries if you have any ongoing limitations related to the injury. It’s easy to forget limitations that we’ve had for a long time, because we’ve learned to live with them. Sometimes old limitations combined with new problems result in a disability approval. More details about filing for disability can be found...Read more

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