Qualifying for Social Security Disability Benefits in Alabama

Applying for Social Security Disability (SSD) benefits can be a challenging and complex process, especially in Alabama. The requirements for qualifying are strict, and the approval rate for first-time applicants is relatively low. However, working with an experienced Social Security Disability attorney like Thiry & Caddell can increase your chances of a successful claim.

What Are Social Security Disability Benefits?

Social Security Disability (SSD) benefits are federal assistance programs managed by the Social Security Administration (SSA). These benefits are designed to provide financial support to individuals who are unable to work due to a disabling medical condition.

There are two main types of SSD benefits:

• Social Security Disability Insurance (SSDI): Based on work history and payment into the Social Security system through payroll taxes.
• Supplemental Security Income (SSI): Based on financial need and limited income, regardless of work history.

Eligibility Requirements for Social Security Disability Benefits

To qualify for Social Security Disability benefits in Alabama, you must meet specific medical and financial requirements established by the SSA.

1. Medical Eligibility

To meet the medical requirements, you must:

• Have a medically diagnosed condition that prevents you from working.
• The condition must be expected to last at least 12 months or result in death.
• The condition must prevent you from engaging in substantial gainful activity (SGA), which in 2025 is defined as earning more than $1,550 per month for non-blind individuals.

2. Work Credits

To qualify for SSDI, you must have earned enough work credits through Social Security payroll taxes.

• You can earn up to 4 credits per year based on your income.
• Generally, you need at least 40 credits to qualify, with 20 earned in the last 10 years before your disability began.
• Younger applicants may qualify with fewer credits depending on their age.

3. Financial Need for SSI

For SSI, your income and resources must be below certain limits set by the SSA:

• In 2025, the maximum federal SSI payment is $943 per month for an individual and $1,415 per month for a couple.
• The resource limit is $2,000 for individuals and $3,000 for couples (excluding a home and one vehicle).

Common Disabilities That Qualify for SSD Benefits

The SSA maintains a list of qualifying impairments, known as the Blue Book. Common disabilities that qualify include:

• Musculoskeletal disorders – Back injuries, arthritis, scoliosis
• Cardiovascular conditions – Heart disease, hypertension
• Neurological disorders – Parkinson’s disease, multiple sclerosis, epilepsy
• Mental disorders – Depression, bipolar disorder, schizophrenia
• Respiratory disorders – Chronic obstructive pulmonary disease (COPD), asthma
• Cancer – Depending on severity and type
• Immune system disorders – HIV/AIDS, lupus, rheumatoid arthritis

How to Apply for Social Security Disability Benefits

Applying for Social Security Disability benefits involves a detailed and structured process. Mistakes or missing information can lead to delays or denials.

Step 1: Gather Documentation

You will need to provide:

• Medical records, including test results and treatment plans
• Work history for the past 15 years
• Proof of income and financial resources
• List of medications and side effects

Step 2: Complete the Application

You can apply:

• Online – Through the SSA website
• By phone – Call the SSA office
• In person – Visit your local Social Security office

Step 3: Wait for a Decision

After submitting your application:

• It can take 3 to 5 months for an initial decision.
• If approved, you will begin receiving benefits after a five-month waiting period.
• If denied, you have the right to appeal.

What to Do If Your SSD Application Is Denied

It’s common for initial SSD applications to be denied, but that doesn’t mean you should give up. There are several steps you can take to challenge the decision and improve your chances of securing benefits:

1. File a Request for Reconsideration

If your SSD application is denied, you have 60 days to file a request for reconsideration. During this stage, a different claims examiner will review your application, including any new evidence or medical records you provide. This is your first opportunity to address any weaknesses in your initial application and clarify any discrepancies.

2. Request a Hearing

If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is often the most critical stage of the appeals process. During the hearing, you (or your attorney) can present medical evidence, call witnesses, and explain how your condition prevents you from working. An experienced attorney from Thiry & Caddell can represent you and strengthen your case with compelling arguments and expert testimony.

3. Appeal to the Appeals Council

If the ALJ denies your claim, you can appeal to the Social Security Appeals Council. The council will review the ALJ’s decision to determine whether it followed proper legal procedures and considered all relevant evidence. The Appeals Council can either uphold the decision, send the case back to the ALJ for further review, or overturn the decision in your favor.

4. File a Federal Lawsuit

If the Appeals Council upholds the denial, your final option is to file a lawsuit in federal district court. This step requires filing legal briefs and presenting arguments before a federal judge. While success rates at this level are lower, it can still lead to a favorable outcome if you have a strong case. Having an experienced attorney like Thiry & Caddell is essential at this stage to handle the complex legal procedures and present a solid case.

5. Strengthen Your Case with New Evidence

At any stage of the appeal process, providing new and compelling medical evidence can significantly improve your chances. This includes updated medical records, statements from doctors, and proof of how your condition limits your ability to work. Working with a knowledgeable attorney can help you gather and present this evidence effectively.

SSDI vs. SSI – Key Differences

Why Choose Thiry & Caddell

1. Experienced Legal Team – Over decades of experience handling Social Security Disability cases in Alabama.

2. Personalized Approach – Tailored legal strategies based on your unique situation and needs.

3. Proven Success Record – High success rate in securing disability benefits for clients.

4. No Upfront Fees – You only pay if they win your case, making legal help accessible.

5. Comprehensive Support – From filing applications to handling appeals, they guide you through every step.

Tips for a Successful SSD Application

• Provide detailed and accurate medical records.
• Keep a record of all doctor visits, treatments, and medications.
• Follow your doctor’s treatment plan consistently.
• Be honest about your limitations and how they affect your ability to work.
• Work with an experienced attorney like Thiry & Caddell to strengthen your case.

Contact Our Reputable Mobile, AL Social Security Disability Attorneys

Qualifying for Social Security Disability benefits in Alabama can be challenging, but with the right legal support, you can improve your chances of success. Understanding the eligibility requirements, gathering the necessary documentation, and following the proper application steps are important for securing benefits. Thiry & Caddell has the experience and dedication to help you navigate this complex process and secure the financial support you need. Don’t wait—contact Thiry & Caddell at (251) 478-8880 today to get started on your Social Security Disability claim.