Navigating disability claims — whether SSDI, SSI, or private insurance — is one of the most paperwork-intensive processes there is. Lumeway helps you understand the steps, meet the deadlines, and build the strongest possible case.
What to expect
Critical deadlines
SSDI has a 5-month waiting period from your disability onset date. The sooner you apply, the sooner benefits can begin.
You have 60 days plus 5 days for mailing to appeal a denial. Missing this window means starting the entire process over.
SSDI has a mandatory 5-month waiting period. Benefits begin on the 6th full month of disability.
Medicare coverage begins 24 months after your first month of SSDI entitlement. Plan your healthcare coverage accordingly.
If you receive SSDI and return to work or earn income, you must report it to SSA immediately to avoid overpayment issues.
Short-term disability typically has a 7-30 day waiting period. Long-term disability kicks in after 90-180 days. Check your policy.
National resources
Apply for SSDI and SSI online, check your application status, and find your local Social Security office.
ssa.gov/disability →NOSSCR directory of Social Security disability attorneys who work on contingency — no upfront cost.
nosscr.org →Comprehensive government guide to SSDI eligibility requirements and the application process.
benefits.gov →Department of Labor guide to private disability insurance rights and how to appeal a denied claim.
dol.gov →Lumeway walks you through every step of the disability claims process — from application to appeal — so nothing gets missed.