Tuesday, February 22, 2011

Social Security Disability Benefits Claims Process - Bureaucracy at it Worst


You're disabled. You know it, your family knows it, your employer knows it, your doctors know it. Everybody agrees that you are disabled. So why does it take an average of three years to get approval for disability benefits from the Social Security Administration?

The criteria for obtaining disability benefits is very strict. According to the Social Security Administration you qualify for Social Security Disability benefits when your disability is permanent and prevents you from performing any gainful activity. It's that second part of the equation, performing other gainful activity, which is the most problematic. This second test means that even if you cannot perform your regular duties, you are not considered disabled if you can do some other work. There are many sub-variables that are evaluated in determining your ability to work, such as your age, your education and your work experience. Consequently, most claims for disability benefits are denied on the first application and you are forced into the appeals process, as often, these denials are reversed. The first level of review after the initial, inevitable denial is referred to as reconsideration. This is essentially a paperwork review and nothing more. You have sixty days from the date of the initial denial in which to request a reconsideration. After the reconsideration process and, likely, another denial, the next level or review is a hearing before an administrative law judge. This level offers the best chance of reversing the denial because you will be able to appear in person to present evidence. there are five levels to this process of obtaining disability benefits. It's a long, drawn out process and made intentionally hard in order to limit the number of claims that are approved. It's the federal government after all.

I must emphasize the need for you to secure a competent attorney who handles such disability claims. Those who do will accept your case on a contingency basis. If your attorney prevails they are entitled to either 25% of the past-due benefits or $6,000, whichever is less. Any fee arrangement must be approved by the agency. You can find a qualified representative through the National Organization of Social Security Claimants' Representatives (800-431-2804); web site is: nosscr.org or at the National Association of Disability Representatives (800-747-6131); web site is nadr.org or from Allsup; web site is: allsup.com (non-attorney representatives).








Tom is a Certified Public Accountant, a Certified Financial Planner, CLTC (Certified Long-Term Care) and President of Cerefice & Company, the largest CPA firm in Rahway, New Jersey. Tom works with clients helping them manage their money, retirement planning, college savings, life insurance needs, IRAs and qualified plan rollovers with an eye towards maximizing tax benefits and minimizing taxes. Tom is founder of the Rich Habits Institute and author of "Rich Habits".


Determining Your Eligibility For Social Security Disability Benefits


Many people do not realize they are eligible to receive Social Security Disability Insurance (SSDI) benefits. Misunderstandings and confusing government processes prevent people from receiving the disability benefits they deserve. Unfortunately, many Americans exhaust their own savings and financial resources before finally applying for these benefits. Even worse, some people go without necessary medical care that could have eased medical problems, helping them to live better and possibly get back to work sooner.

People with chronic, debilitating disabilities and illnesses often face overwhelming difficulties due to their unfortunate medical condition(s). Aggravating the problem, living on no income or a reduced income can keep these individuals from receiving the healthcare they deserve. This article looks at the confusion surrounding applying for SSDI benefits and shows how Social Security disability benefits can make a huge difference in people's lives.

Expert Advice Is Key

All conditions and illnesses covered by Social Security disability benefits have certain criteria that deem a person eligible or not. This is why expert advice from a professional company is crucial to receiving an award. For example, a person with AIDS may receive SSDI benefits due to the symptoms of AIDS, including neurological and hematological abnormalities.

Medical conditions like fibromyalgia, bulging discs, anxiety, skin and sleep disorders, chronic liver disease, diabetes, and others can qualify a person for Social Security disability benefits. It's always in your best interest to find out if you might qualify to receive SSDI benefits before you start the application process. Unfortunately, if you don't understand the application process, you may not receive your entitled benefits. Luckily, a professional SSDI representation expert has the expertise necessary to ensure you receive the maximum Social Security disability benefits possible.

Qualifying for SSDI

The eligibility, application, and awarding of SSDI benefits processes baffle most people and rightly so. While basic determining factors can give a person an initial look at the possibility of qualifying during the application process, professional companies have a far better likelihood of success. Unfortunately, individuals unfamiliar with the complexities of the process don't usually fare as well as those who consult an expert. A professional company can keep the process simple, eliminating frustration, confusion, stress, and time wasted on lengthy appeals.

Determining eligibility for Social Security disability benefits involves a step-by-step process. First, you must have held gainful employment where you paid into the Social Security Administration program for five of the last 10 years. You must become disabled and unable to work prior to reaching your retirement age, which has a range of 65 to 67. You also must qualify as disabled due to illness or debilitating disability under the SSA's definitions. A professional SSDI representative stays up-to-date on the recent changes and additions to these definitions and is familiar with this complicated evaluation and application process.

The first questions asked by the Social Security Administration are about income and employment for five of the last 10 years. If a person engages in "substantial gainful activity" and earns more than $980 per month, they do not qualify for SSDI benefits. Next, they factor in the severity of a person's disability and the extent to which it interferes with job performance. In addition, the disability must either meet or exceed a suitable medical listing.

The Social Security Administration then evaluates work the applicant performed in the past despite the disability, denying SSDI benefits if an applicant demonstrates they can still work. However, if an applicant cannot perform their job, the Social Security Administration evaluates his or her work experience, age, mental and physical status, and education to determine if the applicant can perform another type of work.

What SSDI Provides

After being a productive and self-sufficient worker, many individuals with debilitating illnesses and disabilities find themselves at a loss as to how to function in their daily lives. SSDI benefits provide a regular monthly income and annual increases generally tied to the rise in the cost of living. Recipients also receive Medicare medical benefits 24 months after cash entitlement to Social Security disability benefits. Medicare includes Part A hospital benefits, Part B medical benefits and Part D prescription drug coverage, plus the option of choosing from several Medicare Advantage plans. Those qualifying for benefits also may receive an 11-month extension of their COBRA benefits.

The complex process of applying for Social Security disability benefits often prevents qualified people from receiving their SSDI benefits. However, individuals can increase the likelihood of receiving an award by consulting a professional SSDI benefits company that can help protect long-term disability, retirement and dependent benefits. A professional claims services company also can make the complicated application process simple and stress free. Once you receive SSDI benefits, you also receive access to return-to-work incentives, which allow you to try returning to work while continuing to receive Social Security disability benefits.








Jim Allsup writes for Allsup, an SSDI benefits representative. They offer a free, no-obligation Social Security Disability Evaluation.


FAQ's About Social Security Disability Benefits and Answers From Social Security Disability Lawyers


Question: I filed for Social Security Disability benefits and the Social Security Administration denied my claim. What do I do now?

Answer: It is not uncommon for the SSA to deny an initial application for benefits. If you get denied, you need to act immediately. You only have 65 days from the date stamped on the SSA letter denying your application to file an appeal and preserve your disability claim.

Question: If the SSA approves my application for disability benefits, what will I get?

Answer: Disability benefits may include Medicare health care insurance, individual benefits, and family benefits. Your monthly financial benefits will be based on the formula in the Social Security Act, as well as the amount that the federal government counts as your Social Security earnings from employment before you became disabled.

Question: How do I know if I am disabled for purposes of receiving disability benefits?

Answer: According to the Social Security law, an eligible disability means the "inability to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to last for a continuous period of not less than 12 months or result in death." If you are not sure if you qualify, you should check with both your family doctor and our Michigan lawyers about a potential claim for disability benefits.

Question: I have not worked in recent years. Could I still qualify for disability benefits?

Answer: The SSA requires a specific amount of Social Security earnings, or "work credits," to qualify for disability benefits. As a general rule, if you worked for 5 out of the last 10 years, you probably have enough "work credits." You certainly should contact the SSA or consult with an experienced Michigan disability lawyer to find out whether or not you qualify.

Question: I have a serious mental or psychological condition that prevents me from working. Can I still receive disability benefits?

Answer: According to the Social Security Act, a "disability" can be either physical or emotional, or a combination of both. The key is that a doctor finds "objective medical evidence" that you your condition prevents you from working for at least 12 months.

Question: Can I apply for disability benefits on my own?

Answer: Yes. You can file your own application for disability benefits, and represent yourself in all legal proceedings. However, statistics show that people with legal representation, especially on appeals, win their disability claims much more often than those who try to represent themselves.

Question: I cannot afford to pay an attorney fee now. Can I still get legal help with an appeal of the SSA decision to deny my application for disability benefits?

Answer: Yes. Some law firms waive their attorney fees, unless they convince the SSA to approve your claim for disability benefits. If they win, their fee is defined by the Social Security Act and kept very reasonable.

Question: I was denied disability benefits last year, but my medical condition has gotten worse. Can I try again to get disability benefits?

Answer: Yes. There is no limit to the number of times you may apply for benefits. If you feel that you now qualify, you should file another application with the SSA.

Question: If the SSA approves my claim, how long will these benefits last?

Answer: You can get benefits for as long as you remain disabled from employment and meet all other SSA requirements. From time to time, the SSA may review the level of your disability by sending you for a medical evaluation.

Question: My disability was brought on by alcoholism or drug addiction. Can I still qualify for disability benefits?

Answer: Maybe. To determine whether you still have a potential claim, you should consult an experienced attorney. The Social Security law states that you cannot get benefits, if alcoholism and/or drug addiction is a contributing factor that is material to the determination that you are disabled. However, people who used to abuse alcohol or drugs can qualify for benefits, based on other unrelated and disabling health problems.








Attorney Marya Sieminski joined the Sam Bernstein Law Firm in 2003. She is admitted to practice law in Michigan state courts and in the U.S. District Court for the Eastern District of Michigan. She earned her Bachelor of Science degree at the Massachusetts Institute of Technology and graduated magna cum laude from Wayne State University Law School. Marya has worked as a trial lawyer for 10 years and exclusively represented victims in personal injury litigation and in workers compensation claims. She also was appointed by the Governor to serve on the State of Michigan Workers Compensation Qualifications Advisory Committee.

The Sam Bernstein Law Firm, our Michigan personal injury law firm, has protected the rights of the injured and disabled for three generations.


How Much Can I Get From 2009 Social Security Disability Benefits?


How much will the SSA grant in supplemental income, and what benefits can you receive?

When you or a family member is unable to work due to a work-related injury or a severe medical condition, you can apply for Social Security benefits from the Social Security Administration.

How soon, and how often, will I receive Social Security disability benefits?

Once your application is approved, you will start receiving benefits in about 6 months. You will receive your Social Security benefits on a monthly basis.

How much will my benefits be?

The amount of your monthly disability benefits is based on your average lifetime earnings. You can get an estimate of your benefits from the SSA's Benefit Calculator on their website. For guidance, below are the 2008 v. 2009 Social Security disability thresholds:

- 2008: Substantial Gainful Activity (SGA) - Non-Blind ($940 / month), Blind ($1,570 / month), Trial Work Period ($670 / month)

- 2009: Substantial Gainful Activity (SGA) - Non-Blind ($980 / month), Blind ($1,640 / month), Trial Work Period ($700 / month)

What kinds of benefits can I get?

In addition to a monthly amount, you may be eligible to receive other benefits. Additional Social Security benefits that you may be eligible for are:

- Supplemental Security Income (SSI) if you are 65 or older, blind, or disabled

- Food stamps

- Medicaid

- Medicare (after 2 years)

- Services under the Ticket to Work Program (allows you to go to work to earn more money)

When do I get Medicare coverage?

You will get coverage after you have received disability benefits for 2 years.

Is my family eligible to receive benefits?

Yes. Certain family members may qualify for benefits. They include:

- Your spouse, if he or she is 62 or older

- Your spouse, if he or she is financially supporting a child of yours who is either disabled or under the age of 16 younger

- Your child, if he or she is under the age of 18 and in school full time

- Your child, over the age of 18, if he or she has a disability that started before age 22

How much can a family member receive in benefits?

Each family member may be eligible for a monthly benefit of up to 50% of your disability rate.

Adjustments to your benefits:

Your Social Security benefits may change as necessary. Your benefits may change or be stopped if:

- The cost of living has gone up (in which case, your benefits would increase)

- Your medical condition improves

- There is any change in your ability to work

- You get married or divorced

- Your citizenship changes

What may cause my Social Security benefits to be temporarily or permanently stopped?

- You have an outstanding arrest warrant

- You are convicted of a crime

- You are also receiving Railroad Retirement benefits

- You earn more than $980 or more per month ($1,640 if you are blind)

- You violate a condition of your probation or parole

What may cause my Social Security benefits to be reduced?

Your Social Security disability benefits may be reduced if you receive other government benefits.

Your Social Security benefits may be reduced if:

- You are receiving workers' compensation

- You work for an employer that does not withhold Social Security taxes from your salary (Windfall Elimination Provision)

- You receive a pension from a federal, state or local government based on work where you did not pay Social Security taxes (Government Pension Offset)

Social Security Attorneys and 2009 Social Security Disability:

What 2009 Social Security Disability changes will occur? A Social Security Disability attorney is an expert on disability law. Hiring a disability lawyer helps improve your chances of winning disability benefits and can impact the speed from date of application that you start to receive benefits. If you have questions about the 2009 Social Security Disability application, or if you have a case from a prior year that has not been awarded benefits, consider contacting an experienced disability lawyer.








Matt Berry is an Atlanta SSI disability lawyer focused on disability law. His team of Social Security attorneys is experienced with the 2009 Social Security Disability [http://www.nationaldisabilitylawyer.com/index.php/2009-Application-for-Social-Security-Disability.html] law.


Questions You Should Ask Yourself Before Applying For Social Security Disability Benefits


Every year the Social Security Administration (SSA) receives more than 2 million applications for Social Security Disability benefits. Of these applications, only 30 percent are approved at the initial stage of the application process. Oftentimes, initial applications are denied due to a lack of information, misunderstanding of the disability requirements or improper preparation of the evidence provided. If you are filing an application for disability benefits, understanding the requirements and what is expected of you can help increase your chances of a favorable decision. Before filing your application for Social Security benefits, ask yourself the following questions.

Do You Have Enough Work Credits?

There are two types of Social Security benefits available to disabled individuals. Social Security Disability Insurance benefits (SSDI) are for individuals who have enough work credits accumulated to qualify for disability benefits. Workers who pay into the Social Security program usually receive four credits per year. The number of credits needed to qualify for SSDI benefits will vary depending on your age and your work history.

If you do not have enough credits to qualify for SSDI benefits, you may qualify for Supplemental Security Income benefits (SSI). Supplemental Security Income is a needs-based disability program. To qualify for SSI payments your household income and assets will need to be below a certain level.

Do You Have Proper Medical Evidence?

Your medical records play the biggest role in whether or not you are qualified to receive Social Security Disability benefits. If you do not have the proper medical records, your application for disability will be denied. Get copies of your medical records before filing your disability claim and make sure those records include documentation of your disability and how it interferes with your ability to work.

Will Your Doctor Provide a Statement?

If your doctor is willing to provide a written statement attesting to the fact that your disability prevents you from working you will be much more likely to be approved for disability benefits. Discuss your plan to apply for benefits with the doctor or doctors who are treating your condition and ask them if they are willing to provide a written statement regarding your condition and how it affects your ability to perform substantial gainful work activity.

Do You Need to Get Treatment?

Some people assume that they will be more likely to get Social Security Disability benefits if they don't follow recommended treatment for their condition. Although it is true that your condition may be more severe without advised treatments, the SSA is unlikely to approve your claim for disability benefits if you do not follow recommend treatment options. The examiner will want to see how your condition responds to treatment prior to approving your Social Security Disability claim.

Do You Have to Attend the Consultative Exam?

In some cases the SSA examiner will request that you go in for a consultative exam to determine the extent of your disabling condition. Many applicants wonder if they are required to attend this exam in order to receive disability benefits. The answer to this question is yes. If you hope to receive disability payments, you will need to attend the consultative exam if one is requested.

Can I Work While Applying for Disability?

It can take months or even years to be approved for Social Security Disability benefits. Because of this, many individuals wonder if they are allowed to work while going through the Social Security Disability application process. While there is no law stating that you can not work when applying for benefits, your chances of being approved for benefits are significantly reduced if you do so. This is due to the fact that you are applying for benefits due to your inability to work. If you are working when applying for benefits, it will invalidate your reason for needing Social Security Disability payments.

Do You Need a Lawyer?

You do not need a lawyer to apply for disability. If your initial application is denied, however, it may be in your best interests to retain the services of a qualified Social Security Disability attorney. Statistics show that individuals who are represented by an attorney during the disability appeal process are more likely to receive a favorable outcome than those who are not.

Filing for disability can be a complex and confusing topic. Understanding the information above can help you in obtaining a favorable decision regarding your disability application. If, for some reason, your application for disability benefits is denied, you should consider hiring a Social Security Disability attorney to file an appeal regarding the decision.








Social Security Disability
Apply for Disability


Looking at Applying For Social Security Disability Benefits


When you become disabled, you are already disabled, you need to know that you have the right to apply for social security disability benefits. You will need to know that it is not an easy process. However, there are ways that exist that will make the journey easier for you. The other thing that you need to keep in mind is that you may not be approved your first time around, but that does not mean that you have to give up. We are going to explain everything you need to know about the social security disability benefits below.

The first thing that you have to know is that there are two ways to apply for policy. The first is the traditional way where you have to go and stand in a long queue behind a lot of other people looking to apply as well. This takes up a lot of your time and is very tiring to stand around all day.

The other way, is a newer fast version of the traditional method. You log into your internet account go online and start to apply for your service via the Social security website. There are a whole lot of tools that you can use, that will make the administration process easier for you, so make sure that you read as many of the documents on their site.

The one thing that you will have to keep in mind is that you may not be approved first off, as mentioned above. In this case you will want to get a lawyer and appeal the denied application. You need to know that this is not the end of the road and that more than 90 percent of all applicant go through the same thing. You simply have to appeal and you will get your denial overturned, if you have a good enough lawyer.

You also have to know that you your can represent yourself for your social security disability benefits appeal, but chances are that you will not win the appeal and applying would have been for nothing. So make sure that you have a professional with your at all times. There are quite a number of lawyers out there waiting for your call, who specialize in these matters.

Before you get to that though, you will actually have to go through the application process. This is easy, and if you are going to do it online you will find a like to the application forms right on their home page. You will have to choose an age group that you are the applicant belongs to. You will then be promoted to do a few other things.

The one thing that you will have to be comfortable with is allowing the social security to enter your medical records. Of course, you have to know that they cannot make a decision unless they know your full medical history and if your really do need a policy like this, because anyone can say they do.








Read more about social security disability benefits. Visit Social Security Appeal.


Social Security Disability Benefits Are Not Just for Seniors


Millions watched as Farrah star of the show, "Teen Mom" struggled to claim Social Security benefits for her daughter on behalf of the deceased father. Until she contacted an attorney, Farrah was unaware that her daughter could collect these benefits. Don't make the same mistake! Social Security isn't just for senior citizens. Social security is designed to cover a wide range of troubles.

Here are some less-known ways that you or your family may be entitled to benefits:

Family benefits: If you've been granted Social Security disability benefits, your children could be entitled to family benefits. They must be minor children still residing in your home, or under special circumstances, older but attend school or college.

Widow benefits: If you're a widow or widower and unable to work because of a disability, you may be eligible for certain benefits.

Supplemental Security Income: If you haven't worked long enough to be insured, you could be eligible for Supplemental Security Income. Most often, Supplemental Security Income applies to stay-at-home moms, younger people, and those who have just gone through a divorce without having the opportunity to work. Like Social Security disability, there is a test you have to take and you must provide medical proof.

Mental disorders: Many people suffer from depression. Let's be honest - mental disorders can be just as troubling as the physical ones. It can impair your ability to focus on tasks and remember procedures that are necessary for you to do your job. If you suffer from depression, anxiety or another mental disorder and it's debilitating enough, you could be entitled to benefits. You could also receive benefits if you have post traumatic stress syndrome or postpartum depression.

Neurological disability: Neurological conditions such as epilepsy, multiple sclerosis, or a stroke could limit your ability to function in a regular 9-5 position. A person with such disorders might struggle to perform seemingly simple tasks like grasping a pen or speaking into the phone, which would make the search for just the right job that much tougher.

If one of these sounds like you, look into receiving Social Security benefits or hiring an attorney to find out what benefits you're entitled to. It's only a phone call away!








Darren Hamels is from a family of social security disability lawyers and with over ten years of experience he maintains a blog discussing the field of law.


Monday, February 21, 2011

10 Ways To Help Win Your Social Security Disability Benefits Claim


1. See a doctor regularly

The best thing you can do for your case is keep your medical records consistent and up to date. When Social Security (or an Administrative Law Judge) reviews your claim, these records are the most important factor in their decision, so see your doctor often and keep him or her informed on your conditions. If you can't afford a doctor, we have a list of no/low cost medical resources by state.*

2. Comply with your doctor's orders

It is important that you comply with the treatments that your doctors prescribe for your conditions. If you refuse to take medications or follow other prescribed methods of recovery, the SSA is likely to think that your actions are keeping your conditions from improving. By following all of your doctor's orders, you show that you are doing everything in your power to help your condition improve.

3. Make sure that your lawyer gets your medical records

As previously said, a solid medical history is the best thing for your disability case. Medical records are what make up this history, and therefore it is extremely important that you inform your attorney when there are new records to collect. It is also important for your lawyer to know when you are going to the doctor, as they may have forms or questionnaires for your doctor to complete regarding your case.

4. Refrain from drug and alcohol abuse

Social Security no longer pays benefits if drugs or alcohol are contributing factors to a disability. Your case will be denied your medical records show that you have abused drugs or alcohol. If you have used drugs or alcohol in the past, it is important that your medical records show that you have stopped.

5. Be detailed on your applications and paperwork

It is extremely important for your paperwork to include a very detailed description of how your disability affects your day to day activities. For example, you would not want to fill out a report by saying "I watch TV all day," because SSA will say "If you can sit and watch TV for 8 hours a day, you can sit and answer phones at a job for 8 hours a day." Rather, you would want to explain how long you can sit in one place before having to readjust, stand up or lay down.

6. Keep in contact with your lawyer and the Social Security Administration

Every day, applications are denied for benefits because they are not able to find the applicant. If you move or change your phone number, it is important that you give the new information to the SSA. In the same regard, it is important that your lawyer knows how to get a hold of you, as they may have forms you need to complete or update information on your claim.

7. Comply with Social Security's requests

Through the decision process, the SSA makes many requests of applicants. It is important that you fill out any paperwork and go to any exams that they request you to go to. If you do not, you may be denied benefits for non-compliance.

8. Keep an eye on your earnings

There are very specific qualifications that must be adhered to in order to qualify for benefits, and the monthly earnings limit is one of the most important. When you are applying for SSDI, this limit is called SGA (Substantial Gainful Activity). For 2011 the limits are as follows:

? Non-Blind Individual = $1,000

? Blind Individual = $1,640

If you are applying for Supplemental Security Income benefits, the amount differs depending on marital status and state of residency.

9. Write your local congressman

This is a good time to call in the artillery. You elected them, now use them. Write your local congressman a letter outlining your situation and they may make an inquiry about your case. While a letter from a congressman cannot influence the decision on your social security claim, it may speed up the process (especially in dire need situations).

10. Don't give up

Receiving disability benefits is a long and difficult process. We are here to help you in your fight for benefits. Denial rates are high and the majority of cases will not be resolved until an Administrative Law Judge hearing. Keep this in mind and trust that we are doing everything within our power to get you the benefits you deserve.

SSDI Benefits


Monthly cash benefit checks, with an average monthly check of $500-$2000
Medicare benefits after 1 year wait period

* http://www.socialsecuritylaw.com/help-center/








Disability Group Inc.

Disability Group Inc was founded on the principles of dignity and respect. We are a national law firm focused exclusively on helping people receive the Social Security Disability benefits they deserve. For more information about Social Security, or to see if you qualify for benefits, visit us at http://www.socialsecuritylaw.com


How Will Social Security's Mental Health Proposal Affect Social Security Disability Benefits?


Everyone talks about Social Security reform and it is no secret that changes are being made to how Social Security Disability benefits are handled, but some of the proposed changes have certain groups up in arms as to whether or not the proposed changes are really in the best interests of the public. Recently, mental health advocates have become one of the groups of concerned individuals. Why are mental health advocates upset about the proposed changes to the disability qualification process? To understand what has so many people so concerned, you must first understand how mental illness is diagnosed and why certain individuals might not qualify for disability once these changes take effect, even though they may honestly be in need of them.

The Commotion

Why is everyone up in arms about the proposed changes to the way the Social Security Administration may qualify mentally disabled applicants? Right now standardized testing is not required to qualify for disability benefits. In the wording of the proposed changes to the qualification process, it is not clear whether or not applicants for disability benefits whose claims are based on mental disabilities will need to undergo standardized testing in order to qualify for the benefits they need to survive.

Part of the wording of the proposed changes state that standardized testing will not be required to qualify for Social Security Disability benefits. However, the proposal goes on to explain the testing that applicants would be required to undergo if requested by an adjudicator. This leaves many wondering whether or not disability applicants really will need to undergo standardized testing to qualify for benefits.

A Lack of Evidence

The reason that so many mental health advocates worry about using standardized testing as a qualification for disability benefits is the fact is that no one has been able to determine whether or not standardized testing can accurately diagnose whether or not an individual's mental illness prevents him/her from being able to work. There are currently no adequate tests available to prove that a disabled individual can or cannot work due to a mental illness. Many fear that the goal of this requirement is actually to reduce the number of mentally ill individuals who would be able to qualify for Social Security Disability benefits, rather than benefiting the public as the SSA claims.

Currently, applications are reviewed by adjudicators who take medical records and recommendations of doctors and psychiatrists into consideration when deciding whether or not to approve a Social Security Disability claim. If standardized tests become a part of the determining criteria, people who should be rightfully entitled to benefits may fall through the cracks due to the fact that no standardized tests exist to accurately determine whether or not a person is mentally fit to work. A person may not be able to perform day-to-day work activities but may pass a standardized test. This could result in a person being denied benefits due to nothing more than the fact that a test cannot accurately make this determination.

Beyond the Financial Ramifications

The proposed change to the way mentally ill patients qualify for disability may have effects that go well beyond an individual's access to monthly Social Security Disability payments. In some cases, individuals who need additional assistance, such as state-funded medical insurance, are required to be on Social Security Disability in order to qualify for these benefits. If the proposed changes to the qualifying criteria come to fruition, these people may not qualify for state assistance due to the fact that they would no longer qualify for Social Security Disability payments.

For Those Already Receiving Benefits

If you are already receiving benefits from the SSA, you should not worry about how the proposed changes to the determining criteria will affect your personal benefits. The SSA has stated that the changes will not affect individuals who are already receiving benefits from the SSA.

With that being said, it is important to note that the SSA has also stated that the standardized testing is not intended to be a mandatory requirement, but rather an alternative resource for adjudicators who need to determine whether or not an individual is truly disabled according to SSA guidelines. However, mental health advocates state that the language in the proposed changes is too vague and needs to be modified to protect individuals who may need Social Security Disability benefits due to a mental illness.








Social Security Disability
Disability Claim


Your Medical Story Is Key to Getting Social Security Disability Benefits


To say that you have a medical disability that has kept you from working is not enough of a reason to be eligible for Social Security disability insurance (SSDI) benefits. You must prove it. Your medical history is critical to your Social Security disability claim. To build a strong case you must get accurate medical reports from all your doctors and other treatment sources. This information is what the Social Security Administration (SSA) will scrutinize in order to make absolutely certain that you are unable to work at a job to earn income and that your physical and/or mental condition is deemed a medical disability that qualifies you for benefits. Unless you clearly have a condition that meets SSA's definition of disability, you will have to make absolutely sure that the medical history you collect from your physicians is complete and that all information they provide to support your claim is, in fact, supportive.

Watch for Inaccurate Medical Documentation How you interact with your doctors about your condition is very important if you are in the process of documenting your medical disability to SSA. For example, if you are following your doctor's recommendations to minimize physical activities that could worsen your condition, that is what you should do. But if you tell your doctor that you are feeling better and your doctor writes that down in your medical file and then duplicates this information on the medical forms that are required for your case, that statement could mislead SSA to incorrectly interpret your condition as not severe enough to prohibit you from working at a job. Be careful that you do not minimize your symptoms when interacting with your doctor. Something as seemingly minor as saying "I'm better" when you actually mean, "I am doing what you told me to do," could affect the accuracy of how your doctor documents your symptoms.

Quick Tips for the Doctor's Office


Remind your doctor that you are applying for Social Security disability benefits.
Be factual about how you describe your symptoms to your doctor.
Keep a journal about your condition to remind yourself of what to tell your doctor at appointments.
Tell the doctor to expect that SSA will be requesting your medical records.
If you go to a new doctor be sure to explain how your condition impacts your daily activities.

Be Sure Your Medical History is Current It can take many months for SSA to make a decision on your Social Security disability case. If anything changes in your medical history, be sure that SSA has received updated information from your doctors. Any new evidence you provide will help you get the favorable decision you want from SSA about your medical disability.








Suzanna is an expert author on the subject of Social Security Disability and is employed with Freedom Disability in Shelton, Connecticut. Suzanna writes about information and educational resources on all topics regarding Social Security Disability Insurance (SSDI).


Do I Qualify for Social Security Disability Benefits?


Since Social Security is a government-subsidized program, the answer to this question is never simple. Basically, Social Security disability benefits are intended for those who cannot work, or at least cannot work enough to get by each month.

If left to that definition, of course, many more people would be receiving Social Security disability benefits. The part that prevents some from being approved is that Social Security has what they call "the listing," which is simply a list on paper of the medical problems that qualify and their severity. It is the government's way of categorizing something that is very difficult to categorize.

This presents two hurdles to anyone interested in receiving Social Security benefits. First, you have to present evidence that you meet the listings; or that you cannot work, or at least enough to support yourself. This evidence is usually in the form of medical records. The problem with this is that many people cannot afford to see a doctor, which is why they are applying in the first place. Second, many applicants don't fit nicely into a certain category, or listing. For instance, what if a person has a minor physical disability that, by itself, does not entirely disqualify them from employment. But they also have a mental disability, and the combination makes it very difficult to work. This person may still qualify under Social Security's rules.

There are two ways to find out if you meet their listings. First, you can check with a Social Security disability attorney. They can usually let you know within minutes if you qualify. They will likely ask you the following questions:

What is your age?

What prevents you from working? (List your medical problems)

How long have these problems been going on?

Are you currently working? If so, how many hours/week?

How long have you been working/not working?

What jobs have you held previously?

What doctors have you seen? How long have you seen him/her?

What has your doctor said about you working or applying for Social Security? *

(*This is an important question, because if your doctor is supportive of your receiving benefits, you'll likely have good medical evidence of your disability. However, if he/she is not supportive, you still have the option of getting another medical opinion.)

The second option is to contact Social Security directly and ask if you qualify. They will likely ask you many of the same questions. However, you may not get an answer right away. The worker will probably want to see more information from your doctor and/or employer and have you complete an application. (For information about applying for Social Security, see my blog on the application process.)

So, do you qualify for Social Security disability benefits? If you're having a difficult time working, the answer may be yes. Now that you know how to find out, don't hesitate. It's a long and paperwork-filled road, but it is possible. And definitely worth it.









New Book is Taking the Pain out of Applying for Social Security Disability Benefits!


This gem of a book, recently published, is unique in that it helps guide applicants through the process of sifting through the incredibly bureaucratic Social Security System using a proven system. Nothing like this has ever been written before! Created with the disabled in mind, it includes real live examples that will guide applicants step-by-step toward the completion of their application, and with the goal to acquire disability benefits on their first try.

With more than 60% of applicants for Social Security Disability Benefits being denied each year, this Practical Guide to Social Security Disability Benefits is timely indeed.

A Practical Guide to Social Security Disability Benefits, written by a young woman who went through the entire process herself when she became seriously ill and had to apply for Social Security Disability Benefits, clearly outlines all the pitfalls of the application process. This is her first book and she has written it from her home since she has not totally recovered from her condition. She wrote it because she knew the frustrations and time-consuming reams of paperwork that a disabled person must go through in order to gain disability benefits.

When Michelle Toole first became ill with a disabling condition of unknown causes, she thought her whole world had come to an end, yet it took a while before she actually accepted that she had become disabled. "Disability" is a hard word to own. One of the hardest things she had to do was to accept that she was indeed disabled and that she could no longer work.

To have to give up a job that she loved wasn't easy. Once she came to the conclusion that she needed financial help, it was up to her advocates, her parents, to help her through the endless bureaucratic process. She just did not have the energy and the mental ability to sift through all the paperwork and deal with the system. It actually took the support of her advocates and of her entire immediate family for her to survive emotionally, physically and financially.

At that point, she and her support system were all blind to the system. They did not know where to turn for help, how to file for Social Security Disability Benefits, how to effectively answer the questions on the application, or what information to send to the caseworker handling the case.

But, little by little, step-by-step, her advocates persevered and were able to walk through the entire process and win disability benefits on her behalf in less than 6 months after she applied!

Knowing how difficult it would be for a disabled person to sift through the process, especially if they don't have advocates who can help with the work, she decided to share her experience. By publishing her book, A Practical Guide to Social Security Disability Benefits she knew that she would be able to help many others win Social Security Disability Benefits.

Written in an easy to read style, this book is designed to help applicants document all aspects of their illness, such as physical and mental activity level, current medications, proof of the disorder, and support letters from doctors, friends, relatives and co-workers. This specific guidelines in the book help the applicant answer the application questions in a consistent and clear way, how to communicate effectively with the caseworkers, and how to present comprehensive supporting information to validate their claim.

Throughout the book, Michelle stresses the fact that the Social Security caseworkers are there to support the applicant and that it is up to each individual to enlist their help. At the same time, she points out that "with Social Security, you are guilty of NOT having a disability and it is YOUR JOB to prove that you do!"

With this book, applicants will cut through the bureaucracy; they won't have to worry about how to fill out their application, how to deal with their caseworker, what information to include with the application, and, most importantly, which information to compile and forward to Social Security in advance to expedite the process.

Michelle Toole's Practical Guide to Social Security Disability Benefits is an asset to all applicants in their journey with Social Security. Books are available at healthy-holisitc-living.com








Prior to her illness, Michelle Toole was Executive Director of a non-profit organization in Prescott, AZ. Her contribution to the community was extensive where she developed and fully implemented a multifaceted information, referral and crisis intervention center capable of meeting the needs of both the general consumer and non-profit agencies. She took a leadership role within the community to develop programs that would eliminate gaps in services and ensure continuity of services for clients amongst non-profit organizations. Michelle is also the author of http://healthy-holistic-living.com a successful web site that she designed and which includes extensive information about how to walk back to wellness through holistically improving your health.


Sunday, February 20, 2011

What to Do If Your Social Security Disability Benefits Are Under Review


Oftentimes, when people are approved for Social Security Disability benefits, they feel that the battle is over. They are under the assumption that those benefits will continue for as long as they need them. The fact of the matter is that Social Security Disability benefits are reviewed on a regular basis. How often they are reviewed and what happens during the review process depends on a number of factors. If you've been approved for Social Security Disability benefits and are wondering exactly how the review process will affect your future benefits, there are a few things you need to know.

Review Periods

The Social Security Administration reviews all disability benefits recipients on a regular basis. The period between Social Security Disability reviews will depend on your specific medical condition and whether or not improvement is expected. If you receive disability benefits and improvement of your condition is expected, the SSA will usually review your case within 18 months. If improvement is possible but cannot be predicted, your case is likely to be reviewed every three years. If improvement of your disability is not expected, you can expect a disability review once every seven years.

Notification of a Review

If your Social Security Disability benefits are being reviewed, you will receive a written notice. Disability recipients will normally receive a notice in the mail asking whether or not medical treatment has been received during the past two years, whether or not you feel better than you did two years ago, whether or not you have discussed your ability to work with your doctor and whether your doctor has cleared you to work. You will also be asked if you engaged in any work activity during the last two years. The answers to these questions will impact the outcome of the review.

Are Your Benefits at Risk?

Individuals receiving disability benefits often worry that their benefits are at risk when they go under review. This is not necessarily the case. The SSA must have evidence proving that your case has improved in order to stop benefits. If this evidence does not exist, the chances of your Social Security Disability benefits being revoked are slim to none. If, for some reason, the SSA does decide that you are no longer entitled to Social Security Disability benefits, you will be given notice of this finding.

Your Appeal Options

In most cases, if you are still unable to work, the SSA will not revoke your disability benefits. If they do decide to stop your benefits, your Social Security Disability payments will not stop immediately. You will still receive Social Security Disability payments for a period of two months. This will give you time to find employment to cover future expenses.

If you really cannot work and feel the decision to revoke your benefits was wrong, you have the right to appeal the decision. It is very important to understand that time is of the essence when filing your appeal. You technically have sixty days to file the appeal, but if you file within ten days your Social Security Disability benefits will continue while the appeal is under review. You need to understand, however, that if you file an appeal within ten days and the appeal is denied, you will be responsible for paying back any benefits that you received during the appeal process.

The Appeal Process

During the appeal process you will be entitled to have a face-to-face interview with an employee at the Social Security office. This person is not an Administrative Law Judge. Many people who are appealing revoked disability benefits assume that this hearing will be like the appeal hearing of an initial Social Security Disability application. However, it is more informal and, at this stage, your appeal will not be heard by a judge.

If you have your face-to-face meeting and Social Security still upholds the decision to revoke your benefits, you can ask to appear before an Administrative Law Judge. At that point, you may wish to have legal representation with you. Your chances of winning your case will increase with legal representation at this stage of the appeal process.

Again, it is important to remember that most people do not have to worry about the review process. The SSA routinely reviews all disability cases and most of the people receiving disability benefits will not have their benefits revoked. If you do receive a letter from the SSA stating that your benefits will be discontinued, keep the above advice in mind and, if you feel the decision was unjust, file an appeal.








Social Security Disability

Disability Claim


Getting Your Social Security Disability Benefits - What You Need to Know


The Social Security Act was enacted by Congress, and signed into law seventy-five years ago, in 1935, by President Franklin Roosevelt. The Act was created to assist the individuals during challenging economic times very similar to today. During the past seventy-five years, the Social Security Administration, or SSA, has helped many millions of people, by offering essential aid. In 2010 alone, more than 10 million citizens will get some type of assistance from the SSA.

One of the main pillars of the system is to offer some amount of economic security to elderly and retired people by way of a fund where employees fund their individual retirements. Another critical facet of the law is to supply a source of financial aid to individuals that are either temporarily or permanently unable to work.

Though it is not anything which people typically think of or plan for, the possibility of becoming disabled at some place in your lifetime is great. According to the Social Security Administration (SSA), a 20 year old person has a greater than 25% chance of becoming impaired before he or she reaches retirement age.

Applying for SSD

Recent media reports have stated that more than three million citizens will apply for Social Security disability benefits this year. Over 2/3 of those claims will be refused on first consideration. With the proper representation for their claim, many people who have been initially denied will prevail with their claim and get their benefits at one of the following levels of the claims process. The length of time it takes to receive benefits can vary, and in many, many cases it can take up to 24 months to process an application.

Processing the initial application can take a significant amount of time. Up-to-date estimates by the Social Security Administration make note that it takes three to five months to even process the initial application. This, coupled with the time it takes to appeal an adverse conclusion, is a good cause for an individual to file an application as soon as you are determined to be disabled.

Determining Benefit Eligibility

Once your application is processed and the Social Security Administration finds that it meets the primary criteria to get benefits, the application is then forwarded to a state agency which will find whether the benefits should be granted. Usually, claimants will begin to receive payments after they have been impaired for more than five full months. In order to be qualified for disability payments an applicant must show that their disability is one will last for a time period of more than twelve continuous months. Furthermore, one must prove that they are unable to perform any type of gainful employment, even work which is sedentary.

The Five Step Analysis

To determine if somebody is impaired and eligible for Social Security disability benefits, the Social Security Administration employs a 5 step analysis. These 5 questions help decide the amount and type of social security benefits you will receive.

Are you presently working at a job? If you are employed and reach a certain earning level or greater every month, the state agency in all likelihood will find that you are not disabled. If you are unable to work, or your income is under the threshold, the government agency will look further into your physical issue.
Is your medical condition serious? In order for your medical condition to be found to be severe it must last for a least 12 months, and limit your physical ability to accomplish typical employment activities.
Can your medical condition be found on the scheduled list of health conditions? There are some medical disabilities that are severe enough to automatically qualify you for SSD benefits. These disabilities are set forth on a scheduled list of conditions provided by the SSA. If your condition is not on this list, the governmental agency will decide if your disability is as serious as one of the listed impairments.
Can you perform the type of jobs which you have executed in the past? In the event that you are able to execute the work you did previously, in all probability you will not be eligible for SSD benefits. If you are not able to execute those tasks, the fact finder will check the final question in the disability process.
Are you able to do any work? If you are not able to perform any of your previous jobs, the agency will the check to decide if you can perform any kind of work. Your health condition, age, education level, prior work experience and any other applicable job skills will be taken into account during this process.

Can I Appeal a Denial of Benefits?

Reconsideration, sometimes referred to as an appeal, is the next step in the claims process. Your petition will be reviewed by a fact finder who was not involved the first decision. If your appeal is once again denied, you can then appeal this decision and request a hearing before an administrative law judge (ALJ). You will once again have the chance to put forth your case as well as present other information, evidence and the appropriate witnesses, which may include medical and/or vocational experts, to help your claim. If you are once again denied Social Security benefits, you may request one more review by the SSA Appeals Council and eventually appeal to the Federal Court if need be.

In order to move your case efficiently, it makes the most sense to find a lawyer at the beginning of the application process, to help ensure that you have fully completed your application with the appropriate information. This will reduce that chance that your claim will be refused. Since most applications are denied at the initial stage, an experienced attorney will be essential to help move your application through the reconsideration and hearing stages.








Please visit our Ohio Social Security Attorney website for a no fee discussion regrading your Social Security claim. Feel free to email, call or fill out our contact form, and an experienced Ohio Social Security Attorney will reply to you within twenty-four hours.


Applying For Social Security Disability Benefits


Filing for Social Security Disability Benefits

When it comes to filing for disability benefits from the Social Security Administration (SSA), many individuals are concerned about which method will provide them the best chance for acceptance of their claim. Persons may be disabled in a work-related accident, car collision, or other incident. Still others may suffer from early childhood or birth-related disabilities.

Regardless of the nature of the impairment, persons living with disabilities may be eligible for compensation if they find themselves unable to work or support themselves and their family members. In some cases, people may be able to perform duties for their employer or employers in a reduced capacity, but may not be able to make enough money to pay their debts and maintain a comfortable lifestyle without assistance from the SSA.

There are several methods for applying for disability benefits and all of them are designed to process requests and help individuals get the compensation they need. In general, there is no "secret" to getting your application approved, and the method of applying will not help or hurt your application. In the end, it is important to pay attention to detail, fill out the application truthfully, and provide the necessary documentation to support your claim.

Disabled individuals may apply for benefits online, by walk-in appointment, or by scheduling an appointment with their local office. Online applications have become popular in recent years and allow applicants to complete their applications on their own time. They can often complete the paperwork from the safety of their own homes and do not have to trouble themselves with a visit to the office. Unfortunately, the information on websites and online pages may be outdated or may have been changed before the update could go into effect.

People may also choose to walk into their local office and speak with an SSA professional about their claim. As with many other offices, attempting to be seen without an appointment may result in uncomfortable waits and frustration at not being able to deal with the issue right away.

By making an appointment to visit with a professional at the SSA, you may be able to get one-on-one attention for your claim. Applicants can often ask valuable questions and have their concerns addressed while at their appointment. Unfortunately, the office workers may be rather busy at times and may not be able to give your case the thorough attention you would like.

Persons who are considering filing for Social Security disability benefits may find it helpful to discuss their case with an experienced disability attorney. Attorneys can give your case the thorough analysis it needs and can answer any legal questions that may arise. By having an attorney on your side, you can make sure that your livelihood is represented, especially in the event of a denied application.








For more information on applying for Social Security benefits, visit the website of the Indianapolis Social Security disability attorneys of the Charles D. Hankey Law Office, P.C.

Joseph Devine


Why You Should Apply For Social Security Disability Benefits Right Away


Procrastination seems to be the rule rather than an exception when it comes to filing applications for social security benefits. There are quite a few out there who end up creating unprecedented delays in filing their applications. Most of these people end up waiting for more than several months before applying for these benefits that they are entitled to. Some people decide to wait, as they remain unsure about their eligibility while others do not realize the benefits that these schemes can offer. For those who have very little information about these Social Security Disability Benefits it is important to learn why these schemes are so useful. The entire procedure is fast and simple; making it easier for you to avail the benefits right from the day you make the request.

You can easily get in touch with a law firm or an advocacy group to learn whether you are eligible for these benefits. You must select a firm that specializes in dealing with these cases. A reputed firm can provide you the necessary inputs and consultation within a few hours. These firms can help you to decide if you should pursue this process. It is further interesting to note that these law firms receive payment from you only when you qualify for the benefits under the Social Security Disability schemes. Therefore, these firms ensure that they provide you the right consultation and advice.

By choosing the best law firm that specializes in these benefits, you can reduce the time period significantly. After receiving these benefits for 2 consecutive years, you automatically become eligible for the Medicare scheme. The 2 year time span also referred to as the 24 months period refers to the time when you receive benefits under this scheme. This makes it further important to apply at the earliest. A prompt action can secure your health and make you eligible for the best medical care.








Roland Poitevin is a dedicated writer with a passion for business and environmental issues. You can check out his new website at Best Dog Foods which helps people find the Healthiest Dog Foods and where you'll find reviews of Innova Dog Food and information they are looking relating to this subject.


Social Security Disability Benefits - Steps in Filing a Claim


Social Security Disability is a part of the Federal Social Security Act. It encompasses several programs that provide monthly disability payments and other benefits to disabled workers and their families. SSD benefits may consist of cash payments and medical coverage.

Filing a Social Security disability (SSD) benefits claim can be an overwhelming process. If you are unsure of who is eligible for SSD benefits, what the claims process involves, or what to do if your claim is denied, the following information can help answer your questions.

Length of Claim Processing

Not counting appeals, the average processing time for an SSD claim is 120 days. The actual amount of time it takes to process your claim will depend upon the state in which you live, the nature or your disability, how quickly Social Security receives medical evidence from your doctor or other medical source, and whether you need to go for a medical examination.

Eligibility Requirements

To receive Social Security disability benefits, an injured worker must meet a variety of criteria. The first set of criteria concerns the medical condition of the applicant. The person who is applying for benefits must have a "medically determinable impairment." This means that the applicant must have a physical or mental impairment that can be medically diagnosed and established by evidence consisting of signs, symptoms, and laboratory findings. Additionally, this impairment must have lasted, or be expected to last, at least one year or be expected to result in death. Finally, the impairment must result in the inability to work.

The second set of criteria regards the applicant's work history. In order to be eligible for SSD benefits, the applicant must have worked long enough, and recently enough, to have sufficiently contributed to the Social Security system. Otherwise, you would be eligible for Supplemental Security Income (SSI).

Filing the Initial Application

If you are disabled, cannot work, and have determined that you meet the eligibility criteria, you can apply for Social Security disability benefits as soon as you become disabled. You can apply by contacting the Social Security Administration or by filling out their online application.

Approval of Benefits

If you are approved for SSD benefits, it is regarded as a permanent benefit. There are several circumstances under which your benefits could be terminated:


If you engage in "Substantial Gainful Activity" - any activity that is substantial enough to negate eligibility for benefits, including going to school or working full time.
If the Social Security Administration reviews your case and decides that your condition has improved.
If you become incarcerated or institutionalized against your will for more than 30 days, you are ineligible for benefits during this time.

Denial of Benefits and the Appeals Process

If you believe that you are wrongfully denied SSD benefits you can appeal the decision. The most important thing to remember is that you only have 60 days to appeal.

The first step in the appeals process is an administrative hearing. The hearing will be conducted by an administrative law judge who will ask a variety of questions about your medical condition and your work history. There may also be a vocational expert at the hearing to present an opinion as to whether or not you are capable of working. The administrative judge will consider the following questions:


Are you currently engaged in gainful work?
If you are not currently performing gainful work, is your physical or mental medical condition considered medically severe enough to be labeled a disability?
Has your condition lasted, or is it expected to last, for at least one year, and does it meet or medically equal a listed impairment?
Does your condition prevent you from working in your established profession?
Does your condition prevent you from working in any other profession in which jobs are available?

If the administrative hearing does not yield the desired results, the claim can be taken to the Appeals Council for further review. The Appeals Council can choose to do one of the following: review your claim and render a decision, decide not to review your claim, or remand you claim to the Administrative Law Judge for further consideration. The average processing time for the Appeals Council is 18 to 24 months.

If the outcome of the Appeals Council is not favorable, the claim can be pursued in Federal Court. A civil suit can be filed in Federal District Court and appealed all the way to the United States Supreme Court.








Those interested in learning more about the Social Security Disability claims process, including how to decide if you need an experienced SSD lawyer to represent you and listings of eligible physical and mental impairments, can visit http://www.edgarsnyder.com


What You Should Know When Applying For Social Security Disability Benefits


There is a certain stigma against the disabled in this country that leaves people feeling like second-class citizens if they need a little help paying their living expenses due to an injury or illness. While it may not be preferable for you to go on the public dole, you'll be happy to know that it is possible for a person to collect social security disability benefits and still work part-time at a job. As long as you make less than $980/month at your job, you can collect SSDI benefits from the Social Security Administration as well.

The first step to applying for social security disability benefits is to visit your local Social Security office, call 1-800-772-1213 or visit SSA to fill out a social security disability application and adult work history form. Once you file your initial disability insurance claim, you'll need to wait 90 to 120 days for a decision. Since there are millions of applications submitted each year and no mandated deadlines, you could feasibly wait even longer. Your claim will be reviewed to see if you fit all the qualifications. Generally speaking, for SSDI benefits, you must have worked 5 out of the last 10 years, you must fit their classification of "disabled" and you must not make more than $980/month (as of May 2009).

The next stage of applying for social security disability benefits occurs if your application is rejected. Approximately 64% of all applicants are initially denied assistance, so you shouldn't take it to heart and give up. By law, you are entitled to file a social security disability appeal and request reconsideration. During the reconsideration, an administrator will look over your files again.

Sometimes circumstances change and another 14% of claimants get approved this way. If you are still denied, then you can file a second appeal that is called a "request for hearing," which will have you meet with an administrative law judge within 50 miles of your home. Over 60% of the people who appear at a hearing get approved, so it often pays to persevere, and get a lawyer!

When filing for disability, you should plan on making several appeals before your case is won and your social security disability benefits are awarded. This means that it could take more than a year to finish the process. In the meantime, you will need to be conscientious about not incurring new debts and in restructuring existing debts. You may also need to apply for other aid programs like food stamps, HEAP or prescription drug assistance programs as you wait.








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Saturday, February 19, 2011

Applying For Social Security Disability Benefits - The Long and Winding Road


Those who apply for disability benefits from the Social Security Administration (SSA) can qualify under two programs. Social Security Disability (SSDI) is for people who have worked for a period of years before becoming disabled. Supplemental Security Income (SSI) is for people who haven't worked enough to contribute a substantial amount through their payroll deductions to qualify for SSDI. Those who apply for SSI must also meet certain income and asset requirements. For either program, aside from the employment and financial requirements, the medical portion of the application process is essentially the same.

The first step in applying for Social Security disability coverage is to set up an interview with the SSA. You can apply in person at a local Social Security office, online or over the phone. I recommend an online application if possible. You can complete it at your own pace and in the convenience of your home. If you do an online application be sure to print out your re-entry number. This allows you to go back and finish the application in more than one sitting. In addition, you will get a receipt verifying the date that you applied should any of the paperwork get lost, which does happen.

You should have a significant amount of information available when you apply, including your birth certificate; your work history for the 15 years prior to becoming unable to work; tax information for the previous year; military discharge information (if applicable); names, addresses and phone numbers for all of the doctors you've seen for your disabling condition; names, addresses and phone numbers for all of the hospitals where you have been treated for your disabling condition; names of any medications you're taking; and Social Security numbers for your spouse and minor children, if applicable.

After your application is filed, your information will be forwarded to a disability examiner, who will review your application and gather all of the remaining information necessary for a determination on your case. Sometimes you'll be required to submit to a medical examination, to be paid for by SSA, to assess your current health situation. Once your case has been processed, you'll receive a notice in the mail stating whether or not your claim has been approved. In about 70% of cases, the claim is denied at this stage.

The next step is to file a request for reconsideration. This request must be filed within 60 days of the denial. You must also submit an Appeal Report outlining any changes in your condition since the initial application. A reconsideration involves another review of the paperwork you initially submitted as well as any additional records that Social Security has obtained or your lawyer has submitted. Frequently the claim for benefits is denied again.

After the reconsideration stage, you can request a hearing before an administrative law judge. You must file your request for this hearing within 60 days of receiving the denial of your claim. The wait for an appeal hearing takes an average of sixteen months nationwide and in the state of Maryland. The hearing before the administrative law judge is a courtroom proceeding. You will testify. There may be experts present to testify. If you have an attorney, he or she will argue to the judge what evidence supports your claim for disability benefits.

If you are turned down by the administrative law judge, you can appeal to the Social Security National Appeals Council in Washington, DC. If that appeal also fails, you have the option of filing a lawsuit in federal court.

Copyright (c) 2010 Sharon A Christie








Sharon Christie is a nurse and an attorney in Timonium, Maryland. She handles Social Security disability and serious personal injury cases. Find out more about Sharon A Christie and request her popular free book, the Unofficial Guide to Social Security Disability Claims at http://www.SharonChristieLaw.com You can also reach her at 410-823-8200.


Little Known Rules Help Over - 50 Claimants Get Social Security Disability Benefits


I recently represented a client in a Social Security hearing that made me think to write about some little known rules used by the Social Security Administration to make disability decisions. The SSA calls these rules the Medical-Vocational Guidelines. My client was disabled by arthritis and fibromyalgia. She was 50 years old at the time she became disabled. She had only a 9th grade education. In all her past jobs she had always worked as a laborer or factory worker, jobs that required her stand all the time and lift heavy weights. She had never done a sit-down job. Her doctor gave the opinion that the most she would be able to do was a sit-down job.

Based on the Medical-Vocational Guidelines, my client was disabled and eligible for benefits. The Guidelines say that if a person is age 50 or older, has a limited education and has never done a sit-down job, it is assumed by these rules that they are considered disabled from all work, even sit-down jobs. These rules make it easier to prove that a person in these circumstances is disabled because a large category of jobs is already eliminated. So, if a person can only do a sit-down job, like my client, they are disabled according to the rules. The rules become even more lenient when a person turns 55 years old and then again at 60 years old. Also, other rules can come into play that are very helpful in different situations. However, many Social Security Administrative Law Judges do not remember to use the rules or apply them incorrectly.

At her hearing, I argued that my client was disabled and eligible for Social Security disability benefits according to the Medical-Vocational Guidelines. Happily for her, we expect a favorable decision from the Administrative Law Judge. You have a better chance of a happy ending to your hearing by talking with an attorney about your claim before going to a hearing. Make sure the rules work for you.

Sondra L. Burger,

Attorney at Law








Sondra L. Burger

Attorney at Law

Charles D. Hankey Law Office

434 E. New York Street

Indianapolis, IN 26202

317-634-9818

800-520-3633

Website: http://www.hankeylawoffice.com

The author is an attorney in Indianapolis, Indiana who focuses her practice on Social Security Disability and Indiana Workers Compensation. She is a partner in the Charles D. Hankey Law Office P.C. and has practiced law for 19 years. She attempts to provide results with compassion. Copyright 2008.


Obtaining Social Security Disability Benefits for Persons With Lupus


Social Security disability benefits are often the ultimate safety net for persons suffering from medical impairments that make it impossible for them to work. For most people, however, struggling through the Social Security Administration's bureaucracy is frustrating, confusing and slow. For people suffering with Lupus, the requirements of the Act can appear overwhelming. This article briefly explains the essence of the Social Security Disability program and how it applies in claims related to Lupus.

General Description of the Law

The Social Security disability program is designed to pay monthly benefits to people suffering from medical problems causing symptoms so severe that it becomes impossible to function at any type of work. Issues of employability, insurability and location or desirability of alternative work will not be considered, although age and education are often important factors. This is a medical program that focuses upon medically proven symptoms and their impact on the ability to perform work activities.

Therefore, the focus in on function, not on diagnosis; SSA often admits that claimants have medical problems and are "impaired," however, it denies that they are "totally disabled." The debate is over what the claimant can "do" despite the medical problems.

The determination of disability focuses on "proof" of both the medical problem and the severity of the symptoms. The difficulty in claims based upon Lupus is in proving the severity of the symptoms - particularly the fatigue that is often the most disabling feature.

What is proof?

The Act and Regulations require an analysis of medical records such as doctors' office notes, physician reports and medical test results. The written statements of the Claimant, and the testimony of the Claimant at a hearing, are generally given little weight if not supported by the medical evidence. It is important that a Claimant seeking this assistance actively treats with appropriate medical specialists and involves those doctors in the application process.

It is difficult to have a claim approved if the treating doctors report that the Claimant retains the ability to work.

The Medical Standards

Essentially there are two ways to prove disability in Social Security claims. The first requires medical proof that meets certain medical standards contained in Social Security's Regulations. If the medical proof meets or equals the appropriate standard the Claimant may be presumed disabled and benefits awarded, as long as the non-disability requirements of the law are also met.

The second is used in claims where the medical standards are not met, but the proof establishes that there are not a significant number of jobs the Claimant can perform considering the remaining functional abilities, age, education and work experience.

A. Meeting or Equaling the Listings of Impairments.

The medical standards are known as the "Listings of Impairments." The standards in the Listings cover many different body systems and illnesses, including Systemic Lupus Erythematososus hereinafter "SLE").

The Listing for SLE is found at Section 14.02 of the Listings of Impairments. First the Listing discusses proof of the existence of the disease. Second, the Listing contains two different mechanisms for proving the impact of the disease and its symptoms on function.

To establish the diagnosis the Listing notes that the medical evidence will generally show that the patients fulfill the 1982 Revised Criteria for the Classification of Systemic Lupus Erythematosus of the American College of Rheumatology. SSA will review the clinical notes, test results and other medical evidence for proof of the diagnosis of SLE. The Listing acknowledges the various "constitutional symptoms and signs" such as fever, fatigability, malaise and weight loss." It notes that there is often involvement of several body systems and frequently findings of anemia, leukopenia or thromobocytopenia.

Once the diagnosis is satisfied, the Listing then turns to the impact the disease has on function. There are two ways to meet this issue in the Listing. The first is to demonstrate significant involvement of a major body system. The Listing, unfortunately, is unclear as to the degree of limitation in the secondary system. The second means of proving functional impairment is in subsection (B) which requires lesser involvement of two body systems, along with evidence of significant constitutional symptoms such as severe fatigue, fever, malaise and weight loss.

14.02 Systemic lupus erythematosus. Documented as described in 14.00B1, with:

A. One of the following:

1. Joint involvement, as described under the criteria in 1.00; or

2. Muscle involvement, as described under the criteria in 14.05; or

3. Ocular involvement, as described under the criteria in 2.00ff; or

4. Respiratory involvement, as described under the criteria in 3.00ff; or

5. Cardiovascular involvement, as described under the criteria in 4.00ff or 14.04D; or

6. Digestive involvement, as described under the criteria in 5.00ff; or

7. Renal involvement, as described under the criteria in 6.00ff; or

8. Skin involvement, as described under the criteria in 8.00ff; or

9. Neurological involvement, as described under the criteria in 11.00ff; or

10. Mental involvement, as described under the criteria in 12.00ff.

B. Lesser involvement of two or more organs/body systems listed in paragraph A, with significant, documented, constitutional symptoms and signs of severe fatigue, fever, malaise, and weight loss. At least one of the organs/body systems must be involved to at least a moderate level of severity.

The Listings are intended to be a difficult standard that will not be met by many claims. However, if a Claimant can meet these requirements, benefits will be awarded as long as the other requirements of the program are met. A Claimant with SLE should provide a copy of this Listing to the treating physician to obtain a medical opinion as to whether this standard has been satisfied.

C. Residual Functional Capacity is reduced to extent that no work activity could be performed. The alternative means of proving a claim for Social Security Disability benefits is to provide medical proof of symptoms from the impairment which are so severe that the person could not function at any type of work. The focus is upon the medical proof as it relates to the ability to perform work activities. The difficulty, however, is in proving the both the symptoms and their severity.

For SLE it is fatigue which most often persuades Social Security Administrative Law Judges to award this assistance. It is critical that patients fully describe this problem, if it exists, every time they visit the doctor's office. Social Security will obtain and review all of the medical records and search for consistent complaints of severe fatigue. One of the most common problems is the failure of the patient to fully discuss symptoms with the physician creating a lack of evidence relating to severe fatigue in the doctors' notes.

This article has not attempted to review the application process or any of the applicable Rulings and related case law. Nor is this article intended to provide specific legal advice or to create an attorney-client relationship. Hopefully, however, this brief analysis will provide some insight into the disability system and assist Claimants in obtaining this assistance.








At the law firm of Jeffrey A. Rabin & Associates, located in Des Plaines, Illinois, representing veterans, SSDI and SSI claimants throughout Chicago, Illinois, if you need a Social Security Disability lawyer to assist you at any stage of the process, we can help, even if you have a claim that has been denied. We will assist you with your Social Security Disability or disabled Veterans appeal. Contact us for a free consultation at Jeffrey A. Rabin & Associates, ltd at 847-268-3304.


What Is the Difference Between Social Security Disability Benefits and VA Disability Benefits?


Many of the individuals who receive VA disability benefits assume that they will also be eligible for Social Security Disability benefits. When these applicants go on to apply for disability benefits from the Social Security Administration (SSA), some are surprised to find out that their application for disability has been denied by the agency. Why is it that some people are eligible for VA benefits but not for disability from the SSA? To understand the answer to that question you must understand the differences between the two programs and how the regulating agencies determine whether or not an individual is disabled according to their guidelines.

The Determination Process

When an individual applies for VA disability benefits, he/she must prove that he/she is a military veteran who has not received a dishonorable discharge and that the injuries that caused his/her disability is related to his/her service in the military. The VA's two-step process qualification process is much less stringent than the SS Disability application process, which often makes it easier for applicants to qualify for VA benefits. Individuals who are applying for benefits from the SSA must go through a five-step qualification process, proving that they are unable to earn more than $1,000 per month, that their medical condition prevents them from performing gainful work activity, that the disability falls under the published SSA impairment listings (or that it is equal to one of the listed conditions) and that the specific condition results in a residual functional impairment, which prevents the applicant from performing any type of work in the national economy.

Since it is often harder to qualify for Social Security benefits than it is to qualify for VA benefits, it is not uncommon for individuals who are receiving VA disability to be denied disability payments from the SSA. On the other hand, veterans who do not qualify for VA benefits may be able to qualify for disability payments from the SSA in some situations. For example, if the disability that a person is suffering from did not occur as a result of service-related activities, but falls under the Social Security impairment guidelines, that veteran may indeed be able to qualify for Social Security Disability benefits if the extent of their disability can be proven, even though they can not qualify for VA benefits due to the nature of the disability.

The Ability to Work

Another distinct difference between VA disability benefits and Social Security Disability benefits is that individuals cannot qualify for Social Security Disability benefits if they are able to perform any type of work activity. If the individual is able to work, they will not be awarded disability benefits from the SSA. VA benefits work differently. The ability to work does not prevent an individual from being able to receive VA disability benefits. A VA disability beneficiary can maintain their benefits even if they are able to perform work and earn an income, although individuals who are not able to work are eligible for additional compensation under the VA disability program.

Benefit Amounts

In addition to distinct differences in how the VA and the SSA determine a disability, there is also a significant difference in the amount of benefits paid to the individuals who are eligible for benefits under these programs. VA disability benefits tend to provide more financial assistance than Social Security Disability benefits. The average VA disability benefit payment is approximately $2,700 per month while the average SSA disability payment is only about $1,100 per month.

Qualifying for Both

There is nothing preventing an individual who qualifies for VA disability from receiving Social Security Disability. If you have earned enough work credits to qualify for Social Security Disability payments and you meet the disability guidelines set forth by the SSA you could technically receive both VA disability benefits and Social Security Disability payments. Participation in one program does not prevent you from receiving benefits from the other.

Appealing a Denied Application

If you are receiving VA disability benefits and feel that you are entitled to Social Security Disability payments as well, you need to apply for disability through the SSA. If your initial application for benefits is denied, you will need to go on to file an appeal. Nearly 70 percent of applications are denied at the initial stage of the application process so it is not uncommon for an applicant to have to go through the appeal process.

If you need help applying for or appealing Social Security Disability you should consider retaining the services of a qualified attorney. Hiring a qualified attorney can help increase your chances of receiving a favorable decision during the disability appeal process.








Social Security Disability
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Some Tips on Applying For Social Security Disability Benefits


For many individuals who have recently suffered a medical condition that prohibits them from working, the process to file for Disability benefits from the Social Security Administration can be a long, tedious process in many cases. Applying for benefits will require that you submit lots of documentation that will include proof of identity, citizenship, work history, medical condition and any other documentation to prove your inability to return to work. However when you are ready to take the first steps toward filing, there are a few helpful tips to help move the process along a little bit faster.

Before applying, be sure to get a copy of your medical records from your doctor, health clinic or any hospitals that you have been to where you may have been treated. This will be very important for the examiners to review all the facts about your condition and medical history. You should have this in your hand when you apply for disability. It will help examiners determine limitations you face at a job.

You will also need to have ready a good description of your past employment and work history. This helps Social Security disability examiners review if your condition will not allow you to work or if you can go to a different type of work. It is also important to give a list of former managers or supervisors that you have worked with. The administrator working on your case may need to speak with them as part of the verification process.

You should also get a very detailed statement from your doctor on your medical condition. Although many doctors are busy, if you have a statement in your arsenal when you apply, it may help your case. You will need to have enough proof to show that your medical condition prohibits you from returning to work as the administrators will need to see this.

It is also important that you don't miss any Social Security medical exams! Be sure to mark the dates of your appointments on your calendar.

If you are denied benefits, you need to request an appeal immediately. Many people are denied the first time they apply for benefits, but that does not mean that you should give up. Instead of waiting for appeal forms, you can also get them yourself at your local Social Security office. An advocate or an attorney can assist you with the appeal process as well.








For more tips and information on applying for Disability benefits visit: http://socialsecuritydisabilityhelp.info