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Common Mistakes Made On A SSDI Application

mhAMTHQWhenever you have to do something that concerns a government agency it usually means that there is a lot of paperwork that needs to be filled out. This is no different when you are going to apply for your SSDI. It is quite well known that a great many of these types of applications get turned down. This knowledge has prompted many people who are going to apply for SSDI to use the services of a SSDI attorney to help them with their filing for this.

One of the common mistakes is the assumption that you have enough work credits to qualify. You really won’t know this unless you understand the criteria that is used by the SSA agency for determining this. Another mistake is you make too much money. This may not be as straight forward as you think. If you happen to be on unemployment benefits when you apply for SSDI then this may be taken into account when the Agency is determining our income. Another big mistake is determining what your disability is and whether it qualifies. Many people who are turned down for SSDI are shocked to learn that their disability doesn’t meet the criteria for disabilities as set in place by the Agency.

Another issue you may end up facing is that this government body may determine that you can work, but perhaps in a different type of work that you were doing prior to your becoming disabled.

There is far more to just filling out the application form when it comes to SSDI benefits, so you want to make sure you get this right the first time.

Why Do Only Some People Qualify for SSDI?

trapSo many people live with false security thinking that if they become unable to work because of illness or injury that they will automatically be able to rely on social security disability. Many are shocked when they apply for this financial help and discover they have been denied.

Representation Helps

Based on the large number of denials that has become public knowledge, a lot of individuals will retain the services of a disability attorney to help them through the application process. The first thing the SSDI agency will check out is whether you qualify based on the financial criteria that is set in place for this financial relief. Following this your application gets send to the Disability Determination Services agency. They decide whether your particular disability qualifies for benefits.

Not every disability meets the criteria that is set for SSDI and this is one of the reasons why only some people end up qualifying. Even after qualifying there is a lot of paper work that has to be done, and done right. If it isn’t then this is another reason why the application may get turned down.

When determining whether an individual has a disability that qualifies there are a lot of factors that are considered. If the individual applying doesn’t meet all of the criteria then again they could be denied. The agency making this determination with consider whether the disability is one that is on the accepted list, whether it is sever enough to prevent an individual from doing their previous job, and perhaps other types of considerations.

How Do You Start a SSDI Review?

reviewMany people make an application for their SSDI then wait weeks for their application to be processed only to discover that it has been denied. The next step they now may have to take is a request for a review.  This means you will now have to contact the agency and tell them that you disagree with their denial and you want to move forward with an appeal. This now gives the agency formal notice which is necessary because there is a deadline for doing this. The Admin. Department now has to send you the proper forms to fill out to register your appeal.

In a lot of the States the first level of the appeal will be for reconsideration. If this is available in your State there are specific forms that will have to be filled out. These are the Request for Reconsideration Forms and the Disability Report-Appeals form.

If you have been denied your SSDI it may be most beneficial to you to hire a disability attorney. While the forms are fairly simple to fill out for your appeal, if they are not done correctly then it could result in your being denied once again. There are many reasons why you could have been turned down in the first place and these may not be entirely clear to you. Yet, these have to be fully addressed or your appeal will serve no purpose. Filing for an appeal is time sensitive so you want to begin your appeal immediately after your denial, and get the proper forms filed within the 60 day deadline.

What are the Earning Requirements for SSDI?

The rules and regulations can change at any time for SSDI and often do. There are a lot of rules that have to be followed regarding SSDI, and many times people that are applying for this disability become confused and frustrated. They aren’t even sure how much money they will be receiving if they are approved. Most often now individuals who are looking to apply for this benefit are using a SSDI lawyer to help ensure that they won’t be denied, as appealing can be a very long process

One of the stipulations for being able to receive SSDI is that you have to meet the earning requirement criteria, which is comprised of two different tests. One of these is comprised of a recent work test which is based on your age at the time you became disabled. The second one is in reference to duration which confirms that you actually worked long enough to be able to qualify for disability insurance.

The significant ages that you have to look at are the quarter in or before you turned age 24. The quarter after you turned 24 but have not reached the age of 31, and finally the last quarter in which you turned 31 or later. These age groups dictate what the working requirements will be. For the duration of work it can begin at the age prior to 28 and increases up to past 60. The minimum work requirement depending on your age can be as low as 1.5 years of working up to 9.5 years or more.

These are just a few of the requirements that you are going to have to look closely at if you are considering applying for SSDI.

What Information Do I Need to Supply to Get SSDI?

disability applicationIf you are thinking about applying for social security disability then you are in for a most frustrating time. Very seldom will you ever hear anyone say that it was easy to get, or that they didn’t really need to fight for it.

A Tough Process

It all begins with the application. Sounds easy enough doesn’t it. You just need to fill out the application, which you can even do online. Now the waiting begins. You can either follow up with the status of your claim by calling your local SSD office, and how success you will be at gleaning any information will depend on whether you can get through or not. Then if you are good with computers there is an option to check online. The application status will show the date your application was received. What other documents are required, which office is processing your application, and even if a decision has been made regarding your case.

These are the basics and it all seems pretty easy. Where the problem arises is during any segments of the process. It could be in your application. It could be the information you are asked to provide. You may be asked for proof of your income, and you will definitely be required to prove your disability through medical records. You may be thinking that just a note from your Doctor will do it, but this never the case. The government want absolute proof of your disability and usually the medical records for backing this up have to be pretty detailed. In fact, you may not have gone through enough medical assessing according to the Government to support your claim.

To avoid a lot of problems and to avoid delays it is well getting a SSDI lawyer to assist you from start to finish.

Why SSDI Applicants Need A Lawyer

disabledAt first when you end up in the position where you need SSDI benefits it looks like a pretty simple process. In your opinion you have incurred a disability and you need financial help, and you assume that you meet the criteria so it is just a matter of applying for it. That is when the first reality that this is no easy task sets in.

The Power Of Representation

Even in your initial attempts to get the ball rolling which is filling out your application has proven to be quite a challenge. You have tried repeatedly to get through to your SSDI office to no avail, and the long line ups at a local office are just too much to endure. If you are one of the fortunate ones that do manage to get past this level and go through all the procedures and believe that you have proven that you have met the criteria for SSDI you are anxiously awaiting your first payment. Then you receive a notice that your application has not been accepted. This is virtually mind shocking. There could be a whole gambit of reasons why your claim has been denied, and this is extremely common.

Whatever the reason is if you feel that the decision is unjust you would do well to utilize the services of a disability lawyer. This expert will be able to discern the reasons for denial and help you provide the supporting evidence of your case that may be lacking. Trying to get your claim approved could take months and in the meantime you are depending on that money. In cases like this you simply cannot afford not to get some legal help on your side.

What Can I do if I am denied SSDI?

applicationThe  first thing you have to do if you are denied your SSDI is not give up. There could be one or several reasons why your application for SSDI was denied. You may not have applied properly or you did not have enough supporting evidence for your disability. It is not uncommon for individuals to be denied on their first application.

Why Reapply?

Technically you should have been given some type of explanation as to why you weren’t accepted but this can often be vague and confusing. You do have an option to apply for reconsideration, and if this is granted then it is highly important that you understand why you were denied the first time and you aptly address these issues. It could be that your file is lacking pertinent medical information and you have the right to see what your file contains and what material the decision was based on. If reconsideration is denied that doesn’t mean that’s the end of your chances to be eligible. You now have the right to request a hearing, but there is a time limit for doing this. If you have any doubts that your SSI may be denied initially you might want to have a consultation with a SSDI lawyer, who can advise you as to whether you would benefit from legal counsel throughout the application process. If you are going to a hearing you will certainly benefit from having a SSDI attorney who specializes in SSDI represent you.

Why You Don’t Qualify for Disability

bankruptcy questionsHundreds of people are injured every day. Many of them are injured so badly that they are unable to work in their previous jobs, and some are injured to the extent that they are unable to work at all. In these cases, disabled persons are typically due to receive Social Security Disability Income (SSDI). This is usually enough to keep the injured person and his or her family on their feet until the injury is healed or until income comes from another source.

Unfortunately, many people who seem to qualify for SSDI do not receive payments, usually because of some exclusive criteria they were unaware of. A few of these criteria include:

  • Earning more than $1,040 a month as an employee. Many injured persons either take a part time job or some sort of minor employment to stay busy and fill their time while they try to recover. If during that employment they make just over $1000 a month, they are considered to be working and their SSDI can be cut off.
  • Being able to work in some capacity. If a person can work in some capacity that the Social Security Administration deems suitable for that person’s age and condition, they will be expected to find employment in that field and will be denied SSDI.
  • The injury not being severe enough to limit job performance. If a person has use of all senses and can carry out instructions in a minor work capacity despite heavy injuries, he or she may be deemed unqualified to receive SSDI.

To find out more about SSDI, contact the Social Security Administration or a Social Security Disability attorney.

Ask Questions When it Comes to Disability Insurance

If you have questions concerning disability insurance, you are not alone. As a disability lawyer will tell you, disability insurance is often misunderstood and overlooked among people. The reasons why vary, but most people simply don’t think they will ever have a need for it. While this is certainly true for some people, a recent poll from The Life and Health Insurance Foundation for Education suggest that 1 in 4 men and 1 in 3 women will have a disability in their lifetime that will keep them out of work for three or more months. Here are a few questions you should be asking when it comes to disability insurance.

1. Does my employer provide me with disability insurance?

This should be a quick and easy question to find an answer to, but it is the most important. You need to understand what type of coverage you are currently being offered.

2. What are the terms and conditions of my insurance?

If you do have disability insurance, the next step is to understand what it offers you in the form of time and coverage. You will want to understand the limitations to your coverage as well.

3. Is it short-term or long-term?

There is a big difference between short-term disability insurance and long-term disability insurance. Speak with a disability lawyer to find out which is best for your situation. The basic difference between the two is the percentage of your paycheck you are able to recover and the amount of time you will be covered for.

When it comes to disability insurance, it is important to ask questions. As a disability lawyer will point out, you are dealing with the financial stability and support of your family

Biggest Disability Insurance Mistakes You Can Make

Deciding to buy a disability insurance policy is a smart move in the right direction. But the decision process doesn’t end right there. Understanding disability insurance is a confusing thing, and if you aren’t careful you could make mistakes in the buying process. Here are the two biggest mistakes people make when shopping for disability insurance, according to a disability lawyer.

Price vs. Provision

The disability lawyer wants everyone to understand the ‘Two P’s’ of the disability insurance policy. They are price and provision. Price is the amount of money you pay each month, or the premium. The provisions are the details of the policy that explain your benefits and requirements.

Which of the two P’s is the most important to look at when shopping for a policy? The disability lawyer says it is absolutely the provisions. Prices will generally be the same from agency to agency, but the provisions can change drastically. Make sure you are getting a policy that actually gives a solid return on investment.

Saying No

You have already made the smart decision of shopping for a disability insurance policy, so don’t back out now. The second biggest mistake you can make is deciding not to accept a policy because of exemptions.

A long term disability policy is not going to cover your pre-existing conditions – plain and simple. But, that does not mean you shouldn’t accept the policy offer. More than likely, you are getting a policy not for your current conditions, but for protection against future injuries and sicknesses. Remember this truth throughout your shopping process.

By avoiding these two mistakes you can enjoy a less stressful and more successful shopping experience.

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