Applying for Social Security disability benefits can be a long and frustrating process. Fortunately, the Social Security Administration (SSA), recognizing that waiting months for a decision can cause extreme financial hardship, has set up a process to make immediate payments to those applicants who are likely to qualify for SSI (Supplemental Security Income). This is called "presumptive disability" since the applicants are presumed to be disabled.
This presumption, and the payment of disability payments, lasts six months. If the SSA hasn't made an initial disability determination on your case at the end of six months, the payments will stop until the SSA makes a disability determination. If the SSA denies you benefits because it finds you aren't disabled, you won't have to pay back any presumptive disability payments (unless the SSA finds that you were never financially eligible for SSI).
The following conditions may qualify for presumptive disability:
Babies who were born at a significantly low birth weight are eligible for presumptive disability (whether or not the baby was premature). To qualify for presumptive disability for low-birth weight, your baby must be six months or younger and have a birth weight below:
If your baby meets the above weight requirements, you will receive SSI payments for up to six months while your case is decided. Your baby will also be able to receive free medical care through Medicaid. Your SSA representative will have to confirm your child's birth weight by contacting the hospital or doctor before granting you presumptive disability.
Your local SSA field office is able to make presumptive disability determinations in many cases. For some conditions, the field office must get confirmation from a reliable source of information, such as a doctor, a social worker, or school personnel.
If the SSA declines to grant you disability benefits, you may still qualify when your file moves to Disability Determination Services (DDS), the agency that determines whether you qualify for regular disability benefits. The DDS has more leeway in granting presumptive disability, and can grant benefits to applicants with illnesses and conditions that aren't included on the above list.
You apply for presumptive disability benefits when you apply for SSI. Call the SSA at 800-772-1213.