The Truth Is......
You should file
as soon as it is determined that you will not be able to work
during the next 12 months or your condition is expected to lead
to death. However Social Security is not a short term disability.
Therefore if you have an accident where you cannot work for several
days or even a few months, you will not be entitled to Social
Security Disability benefits.
If
you are disabled from performing substantial employment, you may
be eligible for Social Security Disability (SSD) or Supplemental
Security Income (SSI) benefits.
Your doctor does not declare you
disabled.
Social Security has its own criteria for determining if you are
disabled by their standards, and your doctor’s opinion of your
ability to work is not part of them. Althought in a social security
disability (SSA) claim, federal law gives the greatest weight
to the opinions of treating physicians. It would be best to your
doctor to write a narrative letter supporting your disability
and give the basis for the conclusion of disability, any lab tests,
observed symptoms, experience with dealing with your conditions,
etc.
Under the law, "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." In other words, you may qualify if:
You have a physical or mental disability (which can be proven
with medical records, lab tests, evaluations) and
Your disability will last at least 12 months or may result in
death
Stages
of the Social Security Disability Claims Process:
Do
not be surprised if you are denied at the initial stage (good
reason why it is wise to have an attorney). Only about 40% of
the claims are approved at that stage. The next stage, Reconsideration,
about 20% of the individuals win at that stage. The last stage,
the Hearing stage is where the individual actually has a hearing
in front of an Administrative Law Judge. The hearing is informal
with only the judge, his secretary and often times the judge will
have a vocational expert present to testify as to what jobs the
individual can perform.
Regardless
of what anyone tells you, it's good advice, if you are disabled
and unable to work, to pursue a claim for Social Security disability,
or ssi based on disability, and get it filed immediately. Reason:
disability claims can take a very long time to process. This isn't
true in all cases, but it is in most. Unfortunately, many claimants
for disability benefits have experienced severe problems and hardship
simply because they had no idea how long the process would be,
and only realized when it was too late that they should have filed
an application much much sooner.
Social Security doesn’t care whether
or not you get benefits.
Despite concern
over the growing federal deficit, there is no concerted effort
to keep people from receiving benefits or incentive to turn people
down as might happen with private insurers. The individual persons
who determine your eligibility are quite happy to approve a claim
if it meets their criteria.
It’s a matter of following the
rules, not really trying to see if an individual can work or not.
The Social
Security Administration is a huge bureaucracy. In an effort to
make the process uniform throughout the country there are volumes
and volumes of rules that must be followed. This, complicated
by the fact that the staff is tremendously overworked, has caused
Social Security to stop relying on one analyst’s ability to carefully
analyze a particular claimant and independently conclude they
are disabled enough to collect benefits. Sadly, it has become
a matter of examining medical records to see if the right “boxes”
can be checked off on their list. If so, the claim is approved;
if not, the claim is denied. It is all the more important that
you know the process before applying for benefits.
Typically,
at the time social security first evaluates the claim, it will
not have been one year from the date of injury. If, at that
time, the doctors are saying anything like: "We will just have
to wait and see," social security may turn the application
down with the following language: "We have determined that your
condition is not expected to remain severe enough for 12 months
in a row to keep you from working." The doctors won't say
how fast the survivor will improve, which leaves social security
with the opportunity to conclude that some work will be possible
within a year. Thus, the initial application gets turned down.
The good news
is that social security takes so long to process applications,
that by the time a hearing is finally heard, there should be no
question that the disability has lasted a full year because a
full year will have lapsed.
Also,
because of this, it is imperative that a claim be tracked by someone
– either the claimant or a professional– to make sure that all
requested medical records are submitted and that the medical records
accurately reflect your condition and contain the necessary documentation
to support the claim of disability.
Having
an attorney makes good sense:
No
fee is collected if your social security disability claim is not
won, and fees are only collected on the back end. Lawyers receive
25% of the back benefits up to a certain amount which has been
set by law. Statistically claimants that are represented by an
attorney are much more likely to win their claim. An experienced
attorney knows what proof social security and ssi disability system
requires Using legal help eliminates both the necessity of waiting
in long government lines and the chance that a government clerk’s
incorrect notation on your condition jeopardizing your claim.
All aspects of your case including complicated paper work will
be handled professionally.
If
you are denied on your Initial Claim, it's good advice to get
an attorney or non attorney Representative to provide representation
and help you with your claim for continuing and past due benefits
(back pay). Reason: the way the disability system works, a claimant
will, typically, either be approved on an initial application...or
will be forced to follow the appeal route, at least to the point
where their case is brought before an Administrative Law Judge
at a social security disability hearing. This is not always the
case, but it is generally a predictable rule of thumb (*reconsiderations
usually have a much higher rate of denial than initial claims--and
initial claims are denied 60 to 70 percent of the time,
depending on the state in which you filed. For this reason, most
claimants will have to go to a hearing if they hope to be approved--and
going to a hearing unrepresented is foolish).
What
we do for you: Your
Social Security Disability or SSi Disability Claim will be handled
at any stage in the process including application and appeals.
Remember, there are no fees unless you win your case and you collect
benefits. We will:
• Provide you
with a thorough evaluation of your Social Security Disability
or SSI claim
• Obtain from Social Security the benefit amount you can expect
to collect
• Act as your liaison with the Social Security Administration
• Help you complete and process all paperwork and applications
for your disability claim
• Investigate all medical documentation and obtain additional
reports for your Social Security Disability or SSI Disability
Claim
• Prepare you for any Social Security required hearings. And see
to having an experienced legal professional to represent you before
the ALJ.
• Make sure you receive all the Social Security Disability and/or
SSI Disability benefits you are entitled to.
If
you think you may have problems doing the paperwork for your social
security disability Claim, take some advice and call us immmediately
1-866-
432- 0382. An extraordinary number of persons who
apply for benefits, or file an appeal following a denial, fail
to properly complete their paperwork, or fail to submit their
forms in a timely manner (*all appeals for disability must be
filed within 60 days of the date of the last denial).
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