When Disability Happens Suddenly: What You Need to Know About SSDI
Can you get SSDI for emergency disability or unexpected diagnosis? What are your options if you face disability completely by surprise?
We’re talking about unpredictable tragedies. Maybe it’s a car accident. A stroke. A shocking health diagnosis. Whatever it is, you go from being independent to struggling just to get through the day. And now you’re wondering: How do I make ends meet now? Can I get Social Security Disability Insurance (SSDI) for this?
There are a few important things you need to know if your disability came on suddenly. But perhaps most importantly, know you do have options.
SSDI for Long-term vs. Short-Term Crises
SSDI is designed for people with disabilities that are expected to last at least 12 months or result in death. If your condition is temporary – even if it’s severe – you probably won’t qualify. For example, if you break a bone and can’t work for three months, SSDI won’t cover that.
But if you’ve been through something life-changing – like a traumatic brain injury, paralysis, cancer diagnosis, or an autoimmune disease that isn’t getting better – then SSDI may be the right path.
Work History and Other SSDI Rules Still Matter
Even if your health changed overnight, the Social Security Administration (SSA) will still look at your work history and other factors, just like with any other application.
For example, to qualify for SSDI, you need enough “work credits.” These are earned by paying into Social Security through your job. Most people need about 5 years of recent work to qualify, but this can vary based on your age.
If you haven’t worked much, or your condition started while you were between jobs, you may not be eligible. But don’t give up until you speak with a lawyer and get an idea of what to expect in your situation.
What Kind of Evidence Do You Need?
If your disability came out of nowhere, the good news is you’ll likely have strong medical records from the start. ER visits, hospital stays, and follow-up appointments all help show how serious your condition is.
But you’ll also need to prove:
- That your condition makes it impossible to work full-time.
- Your symptoms are ongoing and not likely to improve soon.
- You’re following medical advice and still unable to function normally.
This is where working with an experienced SSDI lawyer can make all the difference. We can help gather and present this evidence in a way that makes your case clear and convincing.
Other Options Than SSDI for Emergency Disability or Unexpected Diagnosis
If you’re dealing with a sudden health crisis but don’t qualify for SSDI – or perhaps you’re waiting on a decision – there may be other forms of help available.
If your injury happened at work, workers’ compensation might apply.
In addition, short-term disability insurance (through your employer or a private policy) can sometimes provide faster income replacement.
You could also explore Medicaid, SNAP (food stamps), local disability programs, and nonprofit aid depending on your income.
And if medical debt is piling up while you wait, we can help you look at bankruptcy options to stop collections and get relief.
Our attorneys have experience with a lot of these examples and offer a free consultation. SSDI is important, but it’s not your only option—and we’re here to help you figure out the full picture.
Don’t Wait Too Long to Get Help
If you’re recovering from a sudden injury or diagnosis, it’s tempting to wait and “see how things go.” But if your doctor believes your condition will keep you from working for a year or more, it’s smart to start your SSDI application now. The process takes time, and the sooner you apply, the sooner you could get the help you need.
And if you’ve already applied and been denied, don’t give up. Most people are denied at first. That’s when it’s time to talk to a lawyer and file an appeal within 60 days.
We’re Here to Help You Through the Shock
At our Memphis law firm, we work with people who’ve had their lives turned upside down overnight. You didn’t plan for this. You didn’t expect it. But now you need help, and we’re here to guide you every step of the way.
If you’re facing a sudden disability and aren’t sure what to do next, contact us today for a free consultation. We’ll look at your situation, talk through your options, and help you fight for the benefits you deserve.