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How do I know if I Should Apply for SSDI?

timingChances are you have some inclination that you should apply for SSD and maybe your friends and relatives have told you the same. However, you aren’t quite sure if you would qualify and you have heard that a lot of people have been turned down. Your best solution is to discuss this with a SSDI lawyer to see if in their expert opinion you would qualify and if so then your best bet would be to retain their services to assist you with your application.

The Right Time

There are a lot of criteria that has to be met in order to receive these disability payments. First of all you have to be sure that in the past you worked in jobs that were covered by Social security. Next you have to be afflicted with a medical condition that qualifies according to the mandate set in place by the SSDI agency.

Your disability cannot be considered short term. It usually means that your disability has to be such that you will not be able to work for at least a year. Even if you are close to retirement if you feel that you situation qualifies for SSDI you should apply for it.

If you are successful then once you reach retirement your SSDI benefits will automatically switch over to retirement benefits. A lot of people that are entitled to SSDI don’t apply for it because they feel the application process is too complicated or they have heard it will most likely be denied. This is why you want to utilize an expert in this to help you determine if you have a case for this disability income.

Will a SSDI Lawyer Make My Case Go Faster?

reliefOne of the most difficult aspects about applying for SSDI is the time factor. It always seems to be a hurry up and wait type of venture. You have to hurry to get all of your documentation gathered and proper filing of your papers. Then you sit and wait for weeks for some type of action regarding your case.

A lot of people that are in this situation wonder if using a disability lawyer to assist them will expedite their claim. They assume that these attorneys have more clout in the legal system. This is not the case, yet many times they can expedite cases by changing the circumstances.

There are a lot of reasons why the SSDI gets dragged out. The wrong papers may have been used for the application, or the right papers were used and filled out wrong. In order to get your claim approved on the first round you really need to understand the system and what is required. Most people are totally lost when it comes to this. This is where a SSDI lawyer can be most effective. This professional knows where the pitfalls are when it comes to applying for this and is able to avoid them.

The biggest delay comes when the application is turned down an individual has to appeal. This can take months before the case is even heard. By avoiding this headache that alone should dramatically expedite the SSDI application.

What You Need to Know About a Disability lawyer

 

bankruptcy questions 2If you are going after disability insurance then you are most likely are totally convinced you don’t have a deniable case. While this may be true you may find yourself in circumstances where you need to prove this in a hearing. This can become a daunting and stressful task. It is something that you can place in the hands of a qualified disability lawyer, which may greatly improve your success at winning your case.

These types of lawyers specialize in this area of law specifically and have become experts at it. They can immediately identify the strengths and weaknesses of your particular case. Based on this they can advise you as to what is needed to address this. They know all of the procedures that are in place for attending a hearing and what documentation needs to be filed. They can ensure that it is filled out completely and accurately to avoid further delays or possible negative outcomes.

Most claims have to come before an administrative law judge. Even at this level before a claim is denied, it is well worth having the proper representation. It has been shown that in many cases the initial claims are denied, however having a lawyer representing you doesn’t mean that this still cannot happen. But it does provide you with the opportunity to be far more prepared.

Your lawyer can help you prepare and inform you of the potential questions that you may be expected to answer. These experts that have good experience with this type of legal requirement often know what the judges will be looking for, in respect to the medical conditions being used as the reasons for the claims. The lawyers specializing in SSDI are well versed in the rules and regulations that govern Social security which is instrumental in helping to prepare a successful claim.

Can a SSDI Lawyer Really Help?

Many people are under the impression that you simply cannot fight the government. So when they are denied their social security disability insurance claim they feel that they have no recourse but to accept the decision. This should not be the case and is the prime time to discover how a SSDI lawyer can really help.

askThere can be many reasons why your claim is denied. By addressing the current reasons and dealing with any future issues that may affect the progression of your claim, you greatly reduce the chances of being completely denied. The regulations for this area of law are extremely complex and as a layperson most likely you do not understand them. This means you are not able to prepare a compelling case for your hearing. The experts who specialize in SSDI law know where the weaknesses and strengths are within the regulations. They can use their experience and knowledge in these areas to your advantage.

Having this type of attorney represent you at your hearing is going to ensure that the right questions are put before the claims representative, and prepare you for the questions you are going to be faced with.

Just knowing that you have a SSDI lawyer beside you is going to remove a lot of the stress you may be feeling. Just the stress and pressure alone of the hearing can cause you to ineffectively represent yourself, which could bring you less than desired results with your SSDI case.

It may even be that your lawyer has reviewed your case and feels that you qualify for an OTR review and you won’t even have to attend a hearing in person. For this particular option you will need to have legal representation, and there is no better than a SSDI lawyer to handle this matter for you.

The Right Time to Hire a Social Security Disability Lawyer

disability lawyerAnyone that has previously dealt with a social security disability matter will usually tell you that best time to hire a social security disability lawyer is sooner than later.

A lot of people don’t realize that it can be more beneficial for them to consult this type of legal professional once they decide to apply for disability. A lot of mistakes in the application or during the hearing for it can be avoided. The type of attorney that deals with disability issues has a great deal of experience in knowing what the potential weaknesses and flaws may be. These are the important issues that can end up having your claim denied.

Boosting Success

If you don’t choose to do this, then retaining this expert’s services as soon as you have been denied is critically important to your success going forward. No doubt you would like to get your social service disability claim settled as soon as possible. A quality and experienced social security disability lawyer has the expertise in handling the routine as well as unique delays that could surface.

Everyone’s financial circumstances are different, and a good social security lawyer will know when and how to expedite the requirements needed to get the matter settled. Delays can have a crucial impact on an individual who may be suffering from a severe medical condition, or is in dire financial straits.

Depending on your specific circumstance your Social Security Disability Lawyer could make a request for a on-the-record decision which means you don’t have a potentially long wait for a hearing to result in a ruling.

 

Why You Need Disability Insurance

disabilityAccidents happen, in the workplace and outside of it, and sometimes those mishaps can have major consequences. If you are unable to work and make money because of an injury, you need to have injury insurance. Many companies provide disability insurance and will cover employees for any injuries sustained on the job. This is especially important for high risk jobs, like construction or law enforcement. What happens, though, if you are injured outside of the workplace?

Fortunately, there are state plans to protect you from danger, and in many cases, your employers will pay for these state plans, as well. Before counting yourself as safe, do some research into your specific situation. There are usually options to buy extra coverage, and extra disability insurance is often worth the cost.

According to some experts, you should have enough disability insurance to cover 60-75 percent of your income. That way, if you are out of work for an extended period of time, you will be able to live at close to your normal lifestyle and budget. Many employers offer their employees disability insurance that may cover just up to 60 percent of their income, but rarely any more. The extra 15 percent can be easily purchased, however, during open enrollment. Open enrollment is the period of every year in which Americans can change their Medicare or other insurance plans. For 2015, open enrollment will be from November 2014 to February 2015.

However, before making any permanent changes to your plan, make sure you can afford it. If your current income comfortably takes care of all your bills, you might consider buying more insurance. If you are struggling month to month, however, you may need to hold steady until your finances take a turn for the better.

Social Security Disability Lawyer’s Fees

If you are filing for disability insurance, you have probably considered the merits of hiring a Social Security disability lawyer. Since filing for disability insurance can be such a hassle, involving huge amounts of your time and effort, and often resulting in confusion and backtracking, hiring a Social Security disability lawyer can be a very wise move, reducing the stress on you personally and often getting better results in less time. But what will a Social Security disability lawyer charge for this peace of mind?

Disability Insurance Filing Fees

Social Security disability lawyers do not charge fees up-front, but work on a contingency basis. This means that the lawyer will only be paid if they win your case – a great incentive both for you, the filer, since you will not have to pay the lawyer if you do not get the disability benefits, and for the lawyer, who will take on cases they believe have real merit. In addition this system ensures that unscrupulous practices are not common, since a Social Security disability lawyer cannot take on a case they know is doomed to lose just to get the retainer fees from that client.

The fees a Social Security disability lawyer can charge are limited by the law to 25% of the benefits you are awarded via disability insurance. The maximum payment they can expect is $6,000. Studies have shown that a lawyer is often able to get more in a settlement in terms of back pay than an individual filing without representation would get from their disability insurance claim. Hiring a disability lawyer could be a great move on your part.

Hiring a Disability Lawyer

When filing for social security disability, many people wonder whether to hire a social security disability lawyer. While it is possible to file and track your claim on your own, in the vast majority of cases it is greatly advisable to hire and retain the services of a qualified social security disability lawyer to ease the process and relieve the stress of filing. Hiring a lawyer has many advantages over going through the process on your own.

Lawyer Eases Filing

A social security disability lawyer eases the filing process in many ways, not least of which is in the preparation and research involved in preparing and defending your case. A social security disability lawyer knows what those hearing your case will expect to see, and knows how to answer the questions which will be put to you at your hearing. The lawyer will help organize your case, gathering all necessary medical records and ensuring there are no holes or inconsistencies in the reports.

Retaining a lawyer is also a smart idea in terms of your overall preparedness for the hearing; a lawyer will go over likely questions, calming your nerves, and helping you to understand what the questioners will be looking for in the hearing. This service can be invaluable, as frayed nerves and stress could easily impair your ability to answer questions, and could cause you to become confused.

The biggest advantage of all in hiring a lawyer for your social security disability case is peace of mind in knowing you have put your case into the hands of a seasoned professional.

Who Needs a Social Security Disability Lawyer?

Because it’s not a legal requirement to hire a social security disability lawyer when fighting for your disability benefits, many Americans decide to tackle the process alone. But just like any time you deal with any government process, having a qualified professional on your side vastly increases your chances for success. No wonder 65% of initial disability benefits claims are denied– and the statistics get worse! When people appeal to the government for their disability benefits, up to 85% of those appeals are denied! This is exactly why you need a social security disability lawyer.

How a Social Security Disability Lawyer Helps You

If you’re applying for disability benefits, chances are that you already need them. This is why it’s crucial to work with a social security disability lawyer as quickly as possible. You see, the process can take several weeks – and if you’re denied and have to reapply, then that’s even more time without the disability benefits you need. By working with a social security disability lawyer, you’ll be able to develop a disability case and vastly increase your chances of achieving the disability benefits you deserve. In fact, a social security disability lawyer can even win you more back pay!

Whether you’re applying for the first time or filing a petition, a social security disability lawyer can help you at any step of the way.

Application. A social security disability lawyer will ensure that your initial application is completed with all the information needed to have your disability benefits approved and dispersed. Working with a qualified attorney increases your chances of approval.
Reconsideration/Appeal. If your initial application is denied or if you decided to apply alone, a social security disability lawyer can help you with the appeals process. You have 60 days to have your case reviewed again.
Hearing. If you haven’t already achieved your disability benefits by this point, your social security disability lawyer will display his prowess in the courtroom by fighting your case in front of an Administrative Law Judge. Aren’t you glad you don’t have to do this alone?

Key Questions to Ask your Disability Lawyer

disability lawyerWork or life accidents can blindside a family, leaving you or a love one incapacitated to participate in any productive activity. Since a high percentage of preliminary applications for Social Security disability benefits are denied, hiring a disability lawyer to best present your case increases you chances for success. To qualify for disability benefits, an individual must be found to have a physical or mental condition that prevents gainful activity or can cause death. The Social Security Administration has its own panel of medical experts to make the analysis, and a disability lawyer who knows the system can accurately and fairly represent your case.

Qualities To Look For

When speaking with a disability lawyer, you’ll want to ask if he or she has represented cases similar to yours before and what the outcome was. After all, you’ll want an experienced lawyer to help you deal with your social security disability claim. Other topics to discuss include:

  • How much will I receive? In 2010, the national monthly average was $1,064. While disability benefits are distributed on a case-by-case basis, a disability lawyer should be able to give you a general idea of what to expect.
  • What information do I need to apply? In order to prove disability to receive disability benefits, medical records from doctors, hospitals, caseworkers, and any applicable sources will be needed. Other basic forms such as a birth certificate or W-2 form may be required. The more information you can provide a disability lawyer, the better they can represent your case.
  • What is the expected time frame? Disability benefits can take months or even years to be approved. Staying in consistent communication with your disability lawyer will ensure that everyone is on the same page and has the same expectations.
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