When you pay your FICA taxes on every paycheck in New York, that money goes into a fund that helps pay Social Security Disability benefits. You and every other worker have rights to collect on this money if you meet the requirements for SSDI. However, those requirements are quite strict. Most people who apply for SSDI receive a denial. That is why you must prepare before you apply.

Kiplinger suggests that you begin with understanding the requirements set by the Social Security Administration for SSDI benefits. These include meeting work requirements and meeting the definition of disability set by the SSA. People of SSDI have severely debilitating conditions that prevent them from working and that will last at least one year.

You also need to complete the application fully. Do not leave out any information. Leave nothing blank. Provide clear and concise information. Make sure to include all documentation.

Understand that if the SSA does approve you for SSDI benefits, you will not get a lot of money. These benefits equal out to below minimum wage. You may need to cut your expenses to survive on these benefits or look for additional government benefits to supplement your income.

If you do not understand the application or you cannot find the information you need, make sure to get assistance. You must make sure you apply early, too. Do not wait because the approval process can take some time. If you receive a denial, it will take even more time to go through the appeal process. This information is for education and is not legal advice.