Q: What is the process your SSDI benefits claim will go through when you file for benefits?
A: Your file will be initially reviewed after you apply for disability benefits. If you have not already had an interview via phone or in person with a social security representative, you will be contacted. That interview will just make sure you have all the appropriate paperwork and that Social Security has all your information. Your file will then be assigned to a disability examiner at your state Social Security DDS office. Once your requested medical information has been received by your case manager, he will confer with a doctor on staff to collectively make a decision about your file. You will then be notified as to whether or not you will be awarded social security disability. The majority of cases are denied after the initial review process. You can then request a reconsideration for your claim. Your file will undergo another review with a case manager and doctor assigned to reconsideration. The services of a social security attorney are often beneficial during the reconsideration phase. That is because most cases are again denied after being reconsidered. And the next step would be to appeal to have your claim heard before an administrative judge. The hearing is your last chance to have your case considered. For that reason, many people choose to be represented during this phase by a social security attorney. It is not mandatory that you have a social security attorney, but having the knowledge and experience a legal advocate can provide will be invaluable to your case. Most cases that are awarded benefits after the hearing process are represented by an attorney.
Q: If you have a social security attorney, do you have to do anything to file for disability?
A: If you have hired a social security attorney, he or she will usually submit all the necessary forms after you have submitted your application. You need to complete and submit the paperwork for your initial claim. You will also be required to personally complete information about employment history and your ability to do your usual tasks. Most lawyers make sure their clients have completed all those required items. A social security attorney will keep contact with your claims representative to assure that your file is being adjudicated properly and that no deadlines are missed.
Q: Can you submit an application for social security disability online?
A: Yes, you can apply online at the official Social Security web site. You can download and complete the initial application, as well as the questionnaire regarding your condition and work history. They also have a “starter kit” to assist you in submitting everything correctly. Visit http://www.socialsecurity.gov/applyonline to find out more.
Q: While you are awaiting a decision on a disability application for social security benefits, how are you supposed to support your family?
A: The application review process for social security benefits can take anywhere from a few months to few years. Most cases take on average about 3 months to go through the initial review process. A large number of initial applications are not approved after the first step. If an application is not approved, you can apply for reconsideration and, if you are denied again, appeal to have your case heard before an administrative judge. Appeals will make your wait even longer. By the time a claimant has his case heard before a judge, he has often been waiting 2 years. Unfortunately, it is almost impossible to anticipate the length of time it will take for a decision to be rendered on a claim for disability benefits. Many claimants struggle to support themselves and their families, while they are in limbo waiting for an answer about their particular social security benefits case. If you are able to work in a limited manner, you have to be aware of the impact it may have on your case. Your earnings must be below what Social Security has established as the substantial gainful activity limit. In spite of that, it is important to understand that, while your claim is under review, how your limited work is perceived by the disability examiner for your case can affect the decision. Regardless of whether you pick up work while awaiting a decision about your social security benefits, it is wise to take action now in case your claim takes longer than originally expected. Get rid of discretionary budget items and, instead, set aside the money. If you own your home, consider refinancing the original mortgage to free up funds. If you currently rent, look into finding a less expensive property. Some claimants are able to rely on loved ones for a loan or other resources during the interim period. Submit applications for public assistance programs. Many gas, water and electric companies provide assistance to their customers in need, as well. Many medical billing departments will work out payment plans, if they know your particular financial situation. Look into charities that might be able to help. Some groups pay for prescriptions for those who qualify.
Q: I live in Florida, currently collect disability social security benefits and am in danger of having my home foreclosed. What should I do?
A: You may be eligible for an exemption from Florida. Such exemptions can reduce the taxable value of your property significantly. Request a disability exemption application.
Q: Is it necessary to be represented by a social security attorney when you apply for disability benefits?
A: It is not required that you have representation when applying for disability with social security. Most applicants can submit their application for initial review without any difficulty. Those individuals who may have difficulty meeting deadlines, gathering appropriate information or are confused about the forms should consider hiring a social security attorney. A lot of applications are denied after the initial review process. If your claim is submitted in the correct manner, it will assure that it is adjudicated properly. If you are confident you can do this independent of legal representation, then you may not need a lawyer. Of those claimants who are denied after the first review, many choose to hire a social security attorney for reconsideration and further steps. If you plan to go through the hearing process after your claim has been reconsidered and was not approved, it is wise to have a lawyer. Almost all cases going through the hearing process have legal representation. A hearing is your last chance to have your case considered. The expertise of a social security attorney will be essential to making sure your case goes through the hearing phase properly. Most cases that are approved after a hearing have representation.
Q: If you are denied disability benefits after the initial review, should you apply again?
A: It is not recommended that you apply again to have your case initially reviewed. The majority of applications for social security disability are denied after the initial review process. Having your claim reconsidered is the appropriate and most beneficial next step. You must apply for reconsideration within 2 months of notification of denial. If you do not submit the paperwork within that timeframe, you give up your right to appeal and have to submit a brand new application at step one. Most likely, since your claim was not approved after the initial review the first time, it will not be approved the second time. Once again, you will need to have your claim reconsidered and submit that appeal within the deadline. If you are denied after your case was reconsidered, you will have to move on to the hearing process. Applying for initial review a second time would have wasted your precious time. It may be helpful to consult with a social security attorney, if you have missed appeals deadlines or are confused about the process.
Q: Can you submit an application for social security disability online?
A: Submitting your application for disability insurance can be done via the web. Social Security has a section on its web site to help walk you through applying online (www.socialsecurity.gov.)