“We often hear insurance companies requesting that you apply for Social Security disability benefits. Always check your certificate or your policy for the offsets, the other income provisions. Your insurance company can offset, dollar for dollar, for the money that you received or that you’re eligible to receive from Social Security disability.”
“It helps if you apply and you’re found disabled, because if you’re in the own occupation period, where you’re protected because you can’t do your occupation, and Social Security finds that you’re disabled from any occupation, they must give that finding significant weight.”
“If, on the other hand, you don’t have a very good treatment record, you haven’t been able to afford medications or to see the doctor because you lost your coverage, probably not the time to apply for Social Security disability. One of those tricky areas that you probably should get some help before you do anything.”
SSDI denies nearly 60 percent of first-time applicants. If you are denied, it doesn’t necessarily mean that you’re ineligible. You may simply need to provide additional information to the state agency to allow it to properly reevaluate your application. An experienced Social Security lawyer can help you compile the convincing medical and financial evidence and properly and timely complete the paperwork needed for a successful application or appeal.
Social Security may have denied you because:
Special rules pertain to individuals who are blind. A Social Security Disability attorney can explain those rules to you.
Toqualify for Social Security Disability, you must work the required amount of quarters to meet the duration test. This amount of time may vary depending on your situation. A general rule is that, you must work a sufficient number of years, based on your age at the time of your disability:
In addition to having worked a sufficient number of quarters, the Social Security Administration will review your application to ensure that you meet basic eligibility requirements, such as being at least 18 years old, and a U.S. citizen or legal alien. You must have a medical condition that will prevent you from working for at least 12 months and you cannot already receive benefits or have applied and been denied benefits within the last 60 days.
Your application will be forwarded to your state agency, who will evaluate your medical condition to determine your ability to work, how your condition limits your activities, and the medical treatments and care you have received. The doctors don’t determine whether you’re disabled, but provide information for the state agency to make its decision.
Applicants will need thefollowing information to apply for Social Security Disability:
Social Security may also require you to show documentation to prove your eligibility for benefits, including:
Applying for Social Security Disability benefits is a complex process. Nearly 90 percent of applicants end up seeking assistance from an experienced Social Security Disability attorney during the process. Having a Social Security attorney help you with your application ensures that you provide the appropriate information and increase your chances of approval. An attorney can also help by remaining in communication with representatives from the state agency to promptly address any issues that come up during their consideration of your application.
If your application is denied, an attorney can assist you in filing an appeal and represent you during that process. You must request an appeal in writing within 60 days of the agency’s decision. After that, the application may pass through these levels of appeal, all of which your lawyer can help you through:
If your application is approved, your attorney will evaluate the Social Security Administration calculations to ensure that all information provided was used and that no errors were made. Your attorney can also answer any questions you have about your disability benefits.
Thelength of time it takes to receive a decision on your application depends on
the nature of your disability