Social Security Disability Help in New Jersey

When illness or injury stops you from working, the last thing you need is a maze of government forms. Social Security Disability can be a lifeline, but the rules are strict and many first applications are denied. That does not have to be the end. DGS Benefits has helped New Jersey residents understand insurance and government benefit programs for 35 years, and we will explain the process in plain English.

What is Social Security Disability?

Social Security Disability Insurance, or SSDI, pays monthly benefits to people who cannot work because of a serious medical condition and who have worked and paid Social Security taxes. A separate program, Supplemental Security Income (SSI), is for people with limited income and resources. We can help you figure out which applies to you.

Who qualifies for SSDI?

Social Security looks at two things: your work history and your medical condition.

• Work credits. Most people need 40 credits in total, with 20 earned in the last 10 years before the disability began. In 2026, you earn one credit for each $1,890 in earnings, up to four credits a year.
• The definition of disability. You must be unable to work at a substantial level because of a condition that is expected to last at least a year or result in death. Social Security does not pay for partial disability or short-term disability.
• Earnings limit. In 2026, earning more than $1,690 a month (or $2,830 if you are blind) is generally considered substantial work.

How the process works

1. Apply. You can apply online, by phone, or at a Social Security office.
2. Review. Social Security reviews your medical records and work history. Strong medical evidence makes a big difference.
3. Decision. You receive a decision by mail.
4. Waiting period. There is generally a five-month waiting period, and your first payment comes in the sixth full month after Social Security finds your disability began.

If your claim is denied

Do not start over. Appeal instead. There are four levels of appeal: a request for reconsideration, a hearing before an administrative law judge, a review by the Appeals Council, and a case in federal court. You may not need to go through all four. The deadline to appeal is generally 60 days from the date you receive the notice, so read your letter carefully and act quickly.

SSDI and Medicare

After you have received SSDI for 24 months, you generally become eligible for Medicare. If you are under 65, New Jersey has special rules about Medicare Supplement plans. See our page on Medicare Supplement plans in NJ. While you wait, you may need other health coverage. Look at health and medical insurance and the NJ health insurance marketplace.

Other income protection

SSDI is not the only source of help. New Jersey's Temporary Disability Insurance covers many workers for a limited time, and private coverage can protect your income going forward. Read about disability insurance in NJ.

How we help

We help you understand what Social Security requires, organize your medical and work history, prepare your application, and understand your options if you are denied. We are not attorneys and cannot give legal advice. If your situation calls for a lawyer, we will tell you and point you in the right direction.

Frequently asked questions

How long does it take?

It varies a lot, and appeals add time. We will give you realistic expectations for your situation.

Do I need a lawyer?

You are not required to hire one. Some people do, especially for appeals. You may hire an attorney or another qualified person to help.

Can I work while I apply?

Only up to a limit. Earning above the substantial gainful activity amount can affect your claim, so talk to us before you take a job.

Will I keep my health insurance?

That depends on your situation. If you lose job-based coverage, we can review your options.

Is a consultation really free?

Your first consultation is free. Contact us to get started.