How to File for Disability Benefits if You Can No Longer Work
ARPI Editorial Team

I have a married female client Annette born 6/1958, who is undergoing 8 week spinal treatment and then possible back surgery. The doctors are saying this has a 50% chance of success. If she cannot work due to this pain, what is the best approach or process for filing for Disability? Is getting an attorney needed or is it a matter of filling out the correct form, etc? Btw, she was looking at retirement and filing FRA with PIA $2,900 current.
If Annette is unable to work and is expected to earn less than $1,470 per month due to her spinal condition, she may be eligible for Social Security Disability benefits. The primary advantage of disability benefits over early retirement is that disability benefits are not reduced for age, meaning Annette could receive her full Primary Insurance Amount (PIA) of $2,900.
The process of applying for disability can be initiated online through the Social Security Administration (SSA) website. Annette will need to provide detailed information about her medical condition, including the names, addresses, and contact information for any doctors, hospitals, or clinics that have treated her. This information is crucial as it supports her claim for disability.
Hiring an attorney is not necessary for the initial application. Many individuals successfully file on their own by carefully completing the application and providing thorough medical documentation. However, if Annette feels overwhelmed or if her initial application is denied, she may want to consider consulting with a Social Security Disability attorney to assist with the appeals process.
If she prefers more personalized assistance, Annette can also call the SSA at their toll-free number (800-772-1213) to schedule an appointment to file her application in person or over the phone.
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The content on this blog is for informational purposes only and is not legal, financial, or professional advice. Social Security and Medicare rules change periodically, so some information may become outdated. For the most accurate advice, consult a certified National Social Security Advisor (NSSA®) or IRMAACP™-credentialed advisor. Social Security Professionals, LLC, NSSA®, and the Advanced Retirement Planning Institute (ARPI) are not responsible for any errors, omissions, or actions taken based on this blog's content. Use of this blog does not create a client relationship, and all information is provided "as is" without guarantees. By using this blog, you agree to hold Social Security Professionals, LLC, NSSA®, and ARPI harmless from any claims or liabilities arising from its content. For personalized guidance, connect with an ARPI-credentialed professional.


