When stacked against the deluge of applications for Social Security Disability Insurance, applicants who sought representation prior to filing fared better than their counterparts who completed applications on their own. The reason is that representatives who specialize in preparing Social Security Disability Insurance (SSDI) applications understand the terminology and know how to answer questions so that reviewers have a clear understanding of the applicant's condition.
With more than 1.3 million people waiting for approval, individual applicants who submit applications that are prepared correctly, using the proper terminology with the correct supporting documentation, stack the odds in their favor. Given that the process can average between two to four years, it is important to do as much due diligence in the beginning as possible.
While some cases are simple to evaluate, the reality is that too many get stuck in the system because of missing documentation, unclear answers and missing details. Ultimately, many of these applications are denied. After denial, many of these applicants will find an attorney to represent them at appeal.
Do You Need a Social Security Disability Representative?
If yours is a clear-cut case involving simple answers, a common condition, and requiring a minimal amount of paperwork, the answer is probably no. However, if your case is complex, involves more than one condition, questionable circumstances, or requires multiple care providers to provide documentation, you may want to find a qualified Social Security Disability Insurance (SSDI) representative to help you.
While some representatives, especially attorneys, will not consider your case until it has been denied, there are many organizations and individuals who will offer help in the early stages.
Questions to Ask Potential Social Security Disability Insurance Representatives
When seeking SSDI representation, people typically think of retaining an attorney. However, there are many organizations that hire specialists and representatives to help handle Social Security Disability claims for specific conditions. These firms often have extensive experience with specific conditions while attorneys have legal expertise and an understanding of the laws that are pertinent to your case and state.
When interviewing the representative, don't be afraid to ask questions. Remember, it's in your best interest to choose wisely.
When interviewing candidates consider the following questions:
What experience do you have representing people with this specific disability? At minimum you want someone with several years of experience and a solid understanding of your condition and the relevant terminology.
How long have you been in business? Again, this answer may vary greatly, but you want someone who has been in business for at least two years. Ten or more is preferable.
Are you accredited by the Better Business Bureau? Don't take this answer at face value. Verify it by going online or calling the Better Business Bureau to check their status.
What are your fees? Fees may vary, but most disability attorneys and advocates charge a fee only if they are successful in obtaining benefits for you.
Will you provide counsel to complete necessary paperwork? The company that represents you should take responsibility for your case. If they don't complete the paperwork, they should, at the very least, provide advice to you about the answers.
Will you track forms and appeals to ensure timeliness? They should advise you as to which forms to submit and monitor the status of your case.
What documentation will you provide for me? Bi-weekly updates regarding the status of your case will keep you abreast of the progress and ensure that important deadlines aren't missed.
Will you attend any appointments or hearings with me? Is there an extra fee for this service? Any representative who accepts a fee should also be present for appointments or hearings. Those with lower up front fees may charge extra for this service. Organizations that charge a larger up front fee, will typically appear with you for no extra charge.
Will you contact my doctors to obtain medical records for my file? This should be part of the service.
Is there a limit to the number of times I can call with questions? Unlimited access is preferred.
How often will you check with the SSA about my claim? Every two weeks is fair.
Will you be responsible for confirming that my claim file is up-to-date? This should be their responsibility.
How long should I expect the process to take? The answer on this may vary, however currently files are taking anywhere from nine months to four years to be finalized.
Can I talk to any of your previous clients? Interviewing previous clients can give you an idea about what to expect.
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