Frequently Asked Questions
1. How does Social Security Disability Insurance
differ from workers' compensation,
state DI, and private DI coverages? Answer
2. My wife doesn't have enough work to qualify
for Social Security or Medicare. Can she
qualify on my record? Answer
3. How long must you be married to a spouse to
collect benefits when the spouse dies? Answer
4. Can I apply for my ex-husbands benefits if we
are divorced?
A claimant can apply for benefits based on his or her divorced spouse’s
earnings record. If you were married to your
ex-spouse for 10 years, are, at least, 62 years old and are currently
unmarried you would qualify.
5. Can a non-citizen receive Supplemental Security
Income benefits? Answer
6. I am receiving Social Security disability benefits.
Will my benefits be affected if
I work and earn money? Answer
7. What are the requirements for a survivor to
receive Social Security benefits? Answer
8. If I reapply for disability, will my wait be
as long as it was the first time? Answer
9. Can Veterans gets Social Security Disability
Benefits and VA Benefits? Answer
10. What does the Social Security Administration
("SSA") mean by the term, "disabled?"
SSA considers a person "disabled" if he or she: (1)
lacks the ability to engage in any substantial gainful activity;
(2) the incapacity is due to one or more medically determinable
physical or mental impairments; and (3) the incapacity has lasted
or can be expected to last for a continuous period of at least 12
months or to result in death. (Other guidelines govern blindness
and claims of disabled children.) Applicants must supply SSA the
evidence that proves that their condition meets these criteria.
"Substantial gainful activity" is defined as working on a regular
and continuing basis and earning over $830 a month (in 2005).
11. If I get approved for social security
disability or ssi, how far back will they pay me? Answer
12. How Do I Qualify for
Social Security Disability? Answer
13. How do I apply for Social Security Disability Insurance
benefits?
You can apply for Social Security Disability Insurance benefits
in-person at any SSA office, or by telephone and mail. Going in-person
for your disability interview will get you free advice from the
claims representative, an examination of your papers for errors
and oversights, an opportunity to correct them before the papers
are filed, and the opportunity to demonstrate your honesty and credibility
to a representative of SSA. However, to save time, SSA may try to
persuade you not to come to the office and may instead propose a
telephone interview. For the reasons given above, an in-person interview
may be more beneficial to your claim. You have the right to an in-person
interview. If SSA does not allow you one, ask the office of your
U.S. Senator or Member of Congress how to obtain an in-person interview. Or
visit ssdhelplineattorney.com
14. What information do I submit with my Social Security Disability
Insurance claim? Answer
15. My doctor says he will not write a report; will only
fill out the SSA forms; is that okay?
Very few doctors in private practice know how to write disability
reports that satisfy the exacting standards that SSA applies in
evaluating medical evidence. This is not surprising, because SSA
typically does not furnish treating doctors a full set of evaluation
criteria. However, SSA evaluates their reports as if treating doctors
knew the criteria.
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Treating doctors typically fill out an SSA form
that has10 questions. Government doctors then evaluate these
SSA treating doctors' forms, using other SSA forms that have
more than 100 questions and multiple choices on physical function
and another 100 on mental function. Therefore, it is not surprising
that SSA often finds treating doctor reports inadequate; the
agency looks for answers to questions it did not ask. The system
seems designed to promote inadequate reports.
16. What Can I Do To Help Win My Case? Answer
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What does SSA do after I file my claim?
After you apply for Social Security Disability
Insurance benefits at an SSA office or by telephone or mail,
a claims representative interviews you and identifies all your
sources of medical evidence. The representative also confirms
that you meet the Social Security Disability Insurance insured
status requirements, and sends the case to a state disability
determination service ("DDS"). The DDS, operating as an agent
of SSA, makes the initial determination of disability or non
disability.
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Requesting Reconsideration:
If SSA denies the claim initially or makes a serious error in
an otherwise favorable decision, you can request reconsideration
within 60 days after receiving the notice of decision. The state
agency reconsiders the claim, but assigns a different decision-maker
than the one who decided the claim initially.
Note:
Ten states do not offer a "reconsideration" appeal stage. As
part of a test, SSA has eliminated the "reconsideration" appeal
stage in: Alabama, Alaska, California (Los Angeles North and
West areas), Colorado, Louisiana, Michigan, Missouri, New Hampshire,
New York (Brooklyn and Albany areas), and Pennsylvania. In these
states and locales, applicants whose claims are denied in the
initial SSA decision can appeal directly for a hearing before
an administrative law judge ("ALJ"). This appeal must be made
within 60 days of the SSA notice of decision.
Requesting a Hearing:
If SSA reconsiders the claim and denies it, you can request
a hearing before an administrative law judge ("ALJ") within
60 days of receiving the notice of decision. An ALJ
hearing is like a court hearing or trial, but less formal. You
normally testify under oath and submit additional evidence.
Asking Appeals Council Review:
If the ALJ denies your appeal, you may request review by the
Appeals Council within 60 days. The Appeals Council also may
review an ALJ decision on its own initiative within 60 days
after the date of the decision.
Typical Actions by the Appeals
Council: The Appeals Council may affirm, modify or reverse
the decision of the ALJ, or may send the case back to the ALJ
for further action. SSA notifies you in writing of the final
action of the Appeals Council, and of the right to obtain further
review by filing suit within 60 days in a U.S. District Court.
Many appeals result in benefit awards.
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Are there recent changes in
Social Security Disability Insurance procedures that I should
know about?Several important changes come to mind. Recently
SSA gave state disability examiners greater latitude to approve
meritorious claims in the initial claim decision. That happened
because the agency found that many denied claims eventually
were approved when claimants appealed them.
Also, in ten states SSA is testing a major new disability decision-making
process (see " Different Disability Decision Process in Ten
States").
At the same time, SSA is trying to restrain ALJs because the
agency thinks they make too many decisions favorable to applicants
At the same time, SSA is trying to restrain ALJs because the
agency thinks they make too many decisions favorable to applicants.
These changes are important because they remove
one level of appeal (reconsideration) in ten states and de-emphasize
reconsideration in the other states, commonwealth, and territories.
We conclude that wise applicants will focus their maximum effort
on proving disability at the initial stage of the claim process,
rather than doing a mediocre job at the initial stage and hoping
to overcome an unfavorable decision by appealing.
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Where can I find out about
other federal or state assistance for my disability?
To learn about federal or state assistance that may be available
to people with disabilities, check with the social services
department of your clinic or hospital; state and local social
services agencies; private nonprofit health groups; and your
state vocational rehabilitation agency. Click here for examples
of state and local resources. Or go to http://www.govbenefits.gov/ for
a federal perspective.
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Where can I get more help
with my disability claim?
For information about legal representation, visit
ssdhelplineattorney.com
or socialsecurityhelpline.com
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I Am Receiving Workers' Compensation Benefits
- Should I Wait To Apply?
No. Your receipt of workers' compensation benefits will
not affect your eligibility for Social Security benefits. Thus,
you should not wait to apply. However, you should consider consulting
with an attorney prior to applying as your receipt of workers'
compensation benefits may reduce or eliminate the Social Security
disability payment you would otherwise receive.
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What you don't know about Unemployment Insurance
can hurt you.
If you are unable to work due to a disability, you should not
apply for Unemployment Insurance. Some people who have a disabling
condition at the time of job loss--for example, a lay off--apply
for Unemployment Insurance instead of State Disability Insurance.
They may not know about the State Disability Insurance (SDI)
program. The SDI benefit may provide a higher benefit for a
greater period of time if you are unable to work due to a disability.
An application to Unemployment Insurance can lead to problems
if you are unable to work due to a disability. If you learn
about SDI after applying for Unemployment Insurance, it is possible
to transition from Unemployment Insurance to SDI when you would
normally have continued on Unemployment Insurance benefits.
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