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Disability Insurance: The Benefits

from Brodbeck Porter Insurance Agency

May 7, 2015

The State of Ohio does not provide short-term disability benefits, unlike some other states, but Ohians can apply for disability benefits through the Social Security Administration (SSA). The SSA provides two different programs for people that meet its definition of disabled: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). While the federal government provides most of the funding for these programs, Ohio adds on an extra payment for some SSI recipients. Here are some of the details about receiving Social Security disability or SSI in Ohio.

What Will My SSI Payments Be in Ohio?

For the year 2013, the SSI payment from the federal government may be as high as $710 per month (if you have no other income). You may also be eligible for the SSI supplement paid for by the state of Ohio, depending on your living situation.

To learn more, you can visit the Ohio Department of Aging or the Department of Job and Family Services websites. However, the SSA administers the Ohio State supplement, so you don't have to apply for it separately.

Who Decides Whether You Are Disabled in Ohio?

The Ohio Division of Disability Determination (DDD) is the state agency that works with the SSA and determines whether you are eligible for disability. The DDD will collect and review your medical information and may schedule examinations by SSA doctors for you as well. Here is the DDD's contact information.

Am I Eligible For Medicaid in Ohio?

If you meet the SSA’s definition of disabled, you should be eligible for Medicaid if:

•You are a U.S. citizen or qualified alien ( you can see if you are a qualified alien here).

•You are an Ohio resident.

•You have (or you can get) a Social Security number, and

•Your individual income doesn’t exceed $589 a month, and your resources (like bank accounts or property other than your home) don’t exceed $1,500.

If you otherwise meet the requirements for Medicaid but make too much money, you still may be eligible through the Medicaid “spend down” program. This would let you deduct certain medical costs from your income. For more information, visit the Ohio Department of Job and Family Services website.

How Can I Apply for Disability in Ohio?

The SSA provides three different ways to apply for disability. Your options depend on whether you are applying for SSI or SSDI.

You can apply online. If you are applying for SSDI, the SSA gives you the option of applying online at www.ssa.gov/pgm/disability.htm. To begin the online application you will need to provide your Social Security number and basic personal information such as your address and phone number, information about marriages, other names you have used, and your work history. You will also need to provide the names and contact information for your doctors.

You can apply in person at your local field office. The SSA also gives you the option to apply in person at your local field office. This option is for both SSI and SSDI applicants. You can find your local field office by visiting the SSA’s website and entering your zip code in the locator. Make sure you call the SSA ahead of time to see if you need to make an appointment.

You can apply by telephone. You also have the option of applying by phone. This is available to both SSI and SSDI applicants. Call 800-772-1213 to apply by phone.

Should I Hire an Attorney?

Because the disability hearing process is challenging, if you are denied benefits and have to appeal, it makes sense to talk to a disability lawyer. Your chances of winning benefits at your hearing increase significantly if you're represented by a lawyer. You can find a disability attorney in your area of Ohio by requesting a legal consultation here.

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