Those approved for Social Security Disability Insurance (SSDI) benefits must either set up a bank account with direct deposit or use a special debit card. Read below for what recipients need to know and what to do if your claim is denied.
No More Checks
Because of security issues, the Social Security Administration (SSA) no longer sends SSDI recipients a paper check. That means those receiving benefits might need to set up a checking account if they do not already have one in place. The SSA now uses direct deposit for your payments. The money goes directly into your bank or credit union account on your payment date. Several aspects of this will benefit recipients, including the following:
- There is no chance of misplacing the check.
- The money typically arrives the same day each month.
- The recipient does not need to go to a bank to cash or deposit the check.
Setting Up Things
In anticipation of being approved for benefits, it's advisable to open a checking account and get a direct deposit set up. The US Treasury Department is working with the SSA to provide recipients with a form that should be submitted to allow the direct deposit to begin. Speak to your local SSA office about the form, which requires you to enter your banking information. Once set up, you can use your banking debit card to remove funds or access cash at ATMs.
The Debit Card
All federal benefit programs now use the Direct Express card. This card is a second option for those who don't have a bank account, cannot open a bank account, or just don't want to open a bank account. Your benefit payment is paid directly to your Direct Express card. This card can be used to pay for things as well as withdraw cash from an ATM.
Many people are denied SSDI benefits. Don't miss your opportunity, however, to ask for an appeal hearing. At this hearing, claimants can speak about their medical or mental health issues one-on-one to an administrative law judge.
It's advisable, however, to prepare for your appeal hearing by speaking to a Social Security lawyer. They can examine the reasons the SSA turned down your application and help you get things straightened out. The Social Security lawyer will attend the hearing and speak on your behalf. Don't go to the hearing without professional help from a lawyer. Speak to a social security disability attorney today and find out you can be represented without paying any money upfront.