What To Do If Your Social Security Disability Claim Is Denied
If you are denied on your Social Security Disability or SSI benefit claim, you should request an appeal immediately, within the 60-day deadline. In some cases, you should do this yourself personally even if you have legalrepresentation, simply to have the appeal request officially on record as soon as possible.
Canada Pension Plan Disability Benefits
The Canada Pension Plan provides monthly payments to people who contribute to the plan during their working years.
You may be eligible for CPP disability benefits if:
- you contributed to the CPP for a certain number of years
- you’re under 65 years old
- you have a severe and prolonged mental or physical disability
- your disability prevents you from working on a regular basis
The benefits include payments to children of a person with a disability.
Apply as early as possible if you think you’re eligible for CPP disability benefits. Quebec residents may be eligible for a similar program called the Quebec Pension Plan . It may take several months to process your application.
If you applied for CPP or QPP disability benefits and were told that you’re not eligible, you can ask to have your application reviewed or considered again.
Once you reach age 65, your CPP disability benefit will automatically change to regular CPP payments. Your regular CPP payments may be less than the CPP disability payments you got before.
If so, consider:
Medically Qualifying For Disability Benefits With Vision Loss Through The Blue Book Listing
The SSA maintains standard listings that outline what constitutes disability with various health conditions. These listings appear in a manual thats call the Blue Book.
The Blue Book is accessible online for you and your doctor to consult. Your doctor can help you understand the complex medical language and the SSAs severity level requirements for qualifying for disability with blindness or vision loss.
SSA disability examiners are the people who review claims for benefits. They use the listing in the Blue Book to compare with your medical records to determine eligibility for benefits.
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Qualifying For Retirement Benefits
Retirement benefits, like SSI and SSDI, are a type of monthly payment paid to eligible Americans by the SSA. Once you have amassed enough work credits, paid into Social Security through federal taxes, and reached age 62, you can begin collecting retirement benefits. The amount of your monthly benefit depends on how much you worked, how much money you made, and whether you decide to keep working past the age of 62.
If you wait until your full retirement age , your monthly benefit will increase. And, if you are able to and decide to keep working until you are 70 years old, you can maximize your monthly retirement benefits. Once you begin receiving retirement benefits, you will continue to receive them for the rest of your life.
How To Apply For Ssdi Or Ssi Benefits In 2021
Each and every year millions of individuals suffer from a long-term or permanent disability. The resulting inability to work can wreak financial havoc on an individual and their family, causing significant stress and hardship.
This lack of income is often compounded by disability-related medical bills, leaving some people wondering if there will ever be a light at the end of the tunnel. Fortunately, Social Security Disability benefits can help offset some of the financial pressure that can be caused by a disabling condition.
The problem is, many people don’t have any idea where to go to apply for disability benefits or how to navigate the complicated Social Security Disability application process.
If you want to receive the Social Security Disability benefits that you so desperately need, understanding the application process is a must. If you or someone you know has suffered a disability and is in need of disability benefits to make ends meet, the following information can help you understand how to apply for disability benefits from the Social Security Administration .
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Is Mental Illness A Disability
A Mental illness can is considered a disability by the Social Security Administration , and if you have a mental illness you may be able to qualify for Social Security disability benefits.
In order for the SSA to consider your mental illness a disability, you will need to be able to meet the medical requirements for a mental illness in the SSAs Blue Book.
The Blue Book is the list of conditions that qualify for Social Security disability benefits. There are various mental health conditions listed in the SSAs Blue Book including, but not limited to bipolar disorder, posttraumatic stress disorder and schizophrenia.
Your mental illness needs to match one of the listings for the various mental health conditions that qualify for Social Security disability.
Once you meet the medical listing in the Blue Book, you also need to make sure that your mental illness is so severe that it prevents you from working full time for at least a year.
If you can meet the medical requirements outlined by the SSA, the SSA will consider your mental illness a disability and you will be able to start receiving social security disability benefits.
Some Publications That Will Give You More Information On Disability Benefits
The Disability Starter Kit will help you get ready for your disability interview or online application. Kits are available for adults and for children under age 18.
The starter kits provide information about the specific documents and the information that we will request from you.
The kits also provide general information about the disability programs and our decision-making process.
Here are some additional resources with information on disability benefits:
- Disability Evaluation Under Social Security – Medical criteria for evaluating Social Security disability claims
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Legal Fee Costs And The Cost Of Benefit Denial
As social security disability lawyers, we are only entitled to a percent of backpay if we assist and a claim is accepted. Thus if we are retained at the outset of a claim, our fee is often fairly minimal. With significant experience, we have a much higher rate of initial success than the average success rate.
The costs of a denial of the initial claim, however, can be tremendous. It may take many months before a denial is even issued, and thereafter, many more months before a claim can be appealed and potentially ultimately approved. During this time, a claimant may be without much-needed income for an extended period, which may lead to taking extreme actions .
Whats The Difference Between Disability And Retirement
First up, lets talk about the difference between disability and retirement benefits. Both are administered by the Social Security Administration , and both are programs designed to provide financial assistance to Americans who can no longer work. Both programs also have specific requirements beneficiaries must meet in order to qualify for benefits.
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The Trial Work Period For Those Who Are Disabled Due To Vision Loss
If you are blind and receiving disability benefits, you may want to try to return to work at some point. Every 60 months, disabled workers have a 9-month trial work period.
Those 9 months which dont have to be consecutive allow a disabled individual to determine if he or she is capable of earning a living again. The idea of a trial work period is to allow you and the SSA to determine if your condition has improved enough for you to return to work.
During the trial period, you must report your earnings, work activity, and your expenses to the SSA. During this time, your disability benefits are not in jeopardy.
Even after your 9-month trial work period has expired, you can still receive disability benefits for any month that you do not earn more than the SGA amount of $2,040. If you earn more than the maximum SGA, you will not receive your disability benefits that month.
While you could be successful in your return to work, your medical problems could worsen, and you may have to stop working again. If that happens, within 5 years of returning to the workforce you are eligible for what is called expedited reinstatement.
During that time, you arent required to reapply for disability benefits, and you dont have to wait for review of your medical condition to have your benefits reinstated.
It is important to keep track of all your expenses and costs associated with your ability to work so that can be deducted before your actual earnings are determined.
The Ssa Awards Vision Loss Differently Than Other Non
Those receiving disability benefits for vision loss have some different financial limits than those receiving benefits for other reasons. Claimants are blind can earn more than disabled workers who arent blind and keep their disability benefits.
The Social Security Administration has a set earnings amount that is called substantial gainful activity . As of 2020, that is $1,260 per month for those who are disabled but arent blind. For those who are blind, the SGA limit is $2,110 per month.
That means that after you have completed your trial work period, you can earn as much as the SGA and not lose your monthly disability benefits. The earnings limit usually changes from one year to the next and those figures are based on the cost of living and inflation.
If someone who is blind receives disability benefits and he or she is self-employed, the time spent working in his or her business isnt evaluated the same as it is for those who do not have vision loss.
Those who arent blind cannot work more than 45 hours per month for their business in most cases and still receive disability benefits. A blind individual can work more and put in more hours for his or her business and still receive disability benefits just so long as his or her net profit averages the SGA or less. So, as an example, you can work 80 hours per month while you are blind, but if your net profit doesnt exceed $2,040 per month, you will continue receiving disability benefits.
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In The Middle Of The Process
Once youve applied for disability benefits, youll want to make your case as strong as possible. Thats when you can contact a disability lawyer. Dont get overwhelmed in the middle of the process. You can accidentally miss important deadlines and steps. A disability lawyer can make sure you stay on the right track by making sure important information isnt left out of your file.
Where Can You Apply For Disability Benefits
If you are unable to work because of a medical condition, you may qualify for Social Security Disability benefits. You have options for completing your disability application. You may be able to start the process online at the Social Security Administration website, www.ssa.gov. You can also start your application by calling 1-800-772-1213 and speaking to a representative. You can also schedule an appointment at an SSA field office.
There are different processes for applying for SSDI and SSI. You can apply for SSDI online, on the phone, or in person. You must go to your local SSA office to apply for SSI benefits. If you are applying for SSDI and SSI at the same time, you can complete your application for both online. To apply for SSI online, you must be between 18 and 65, have never been married, not blind, and be a U.S. citizen in one of the 50 states, the District of Columbia, or the Northern Mariana Islands. You must not have applied for or received SSI benefits in the past.
A disability lawyer will be able to determine the best way to proceed with your claim. An attorney will review the details of your case and will go over your medical records, determining if the hard medical evidence that the SSA needs to make a fair assessment of your case is readily available. You will need toprepare a detailed list of all your medical providers, including their names and contact details along with the dates of service.
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How Do Benefits Work And How Can I Qualify
While you work, you pay Social Security taxes. This tax money goes into a trust fund that pays benefits to:
Those who are currently retired
To people with disabilities
To the surviving spouses and children of workers who have died
Each year you work, youll get credits to help you become eligible for benefits when its time for you to retire. Find all the benefits Social Security Administration offers.
There are four main types of benefits that the SSA offers:
Learn about earning limits if you plan to work while receiving Social Security benefits
Does My Injury Or Condition Automatically Qualify As A Disability
The SSA provides a Listing of Impairments that describes, for each major body system, impairments that are so severe that they automatically qualify as a disability. Most of the listed conditions are those that are permanent, long-lasting, or expected to result in death.
The following are some of the qualifying conditions for adults over the age of eighteen:
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Applying For Social Security Disability And Ssi Benefits
You can apply online for Social Security Disability benefits, you can file in person at your local Social Security office, or by calling 772-1213.
To find your local Social Security office, click here and enter your home zip code. Locate a Social Security Office.
Before you begin your application, you should collect certain information regarding your medical treatment, work history and other facts. To view a checklist of the information that you will need, Disability Checklist.
When you are ready to apply for Social Security Disability Benefits, Apply for Disability. You will not have to complete the entire application in one sitting. You will have the option of saving your application and returning to it later.
You can also complete most of your application for SSI Disability benefits online, but to finish the application process you will have to visit a Social Security office. You canApply for SSI to begin the SSI application process for yourself or for a child.
Is It Better To Retire Early Or Go On Disability
If you are approaching early retirement age and also have become disabled, you may be unsure whether you should take an early retirement or apply for disability until you reach full retirement age.
On the one hand, if you already know you have enough work credits to retire, the processing of starting your retirement benefits will be a lot easier than going through the laborious process of applying for disability.
On the other hand, you may not want to sacrifice the extra monthly benefits you could get if you waited until full retirement or age 70 to begin collecting benefits. If youre not too concerned about your financial stability, opting for early retirement might not seem like a big deal, especially if you have a pension through your employer or other types of retirement accounts like an IRA or 401K.
However, if youre like many Americans, you may need all the help you can get from the Social Security Administration. In this case, its most likely better to get approved for disability benefits rather than take an early retirement and lose out on your hard-earned benefits. While it can be true that getting approved for SSDI can take time, effort, and patience, disability benefits can offer you a kind of flexibility that retirement cantespecially if theres a chance of your disability improving.
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Getting A Social Security Number For A New Baby
The easiest way to get a Social Security number for your child is at the hospital after they are born when you apply for your childs birth certificate. If you wait to apply for a number at a Social Security office, there may be delays while SSA verifies your childs birth certificate.
Your child will need their own Social Security number so you can:
- Claim your child as a dependent on your income tax return
- Open a bank account in their name
- Get medical coverage for them
- Apply for government services for them
Keep your Social Security card in a safe place to protect yourself from identity theft.
What About The Non
So far, we have mainly discussed the medical requirements for disability. What are the non-medical requirements? One of them we have already discussed which is that your work earnings need to be under the SGA level.
Another issue, however, is work credits. To receive Social Security Disability, you must be insured for the program and have a certain number of work credits. This page discusses this: Work credits for Social Security Disability.
If you are not insured for SSD, you may be considered for SSI. However, SSI also has its own non-medical requirements. One is the same restriction on not going above the SGA earnings limit if you are working. The other, however, is the fact that SSI has a limit on how much a person can have in countable assets. That limit is set at $2000. To learn more about assets that count, go here: Countable assets for SSI.
Dont worry about non-medical requirements
Non-medical requirements are not something you should worry about. These will be considered at your time of application, including whether you apply for SSD or SSI. Your only concern will be the medical qualification process because this will specifically involve you providing information about your work, your conditions, your doctors, and possibly going to one or more medical examinations.
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Earn Ssa Work Credits In Some Countries
You may not have enough credits from your work in the United States to qualify for retirement benefits. But, you may be able to count your work credits from another country. The SSA has agreements with 24 countries. If you earned credits in one of those countries, they can help you qualify for U.S. benefits.