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December 11, 2015

Is it Easy to Get Social Security Disability?

I don’t think so.  Almost every day I hear from somebody who tells me about a neighbor or relative who gets Social Security Disability payments even though there is “nothing wrong with him.”  The fact is there are guidelines and rules that must be met in every Social Security Disability Insurance (SSDI) and/or Supplemental Security Income (SSI) case.  When people tell me stories like the one I just mentioned, my guess is they are not fully informed about the facts regarding the particular case.  Social Security processes each claim for disability very thoroughly, so to think Social Security hands out benefits like candy is just not the truth. First, individuals must meet certain rules regarding resources and whether you have worked enough to be eligible.  The Supplemental Security Income (SSI) program considers various factors regarding financial resources and income to determine eligibility.  The Social Security Disability Insurance (SSDI) program is available to workers who have worked long enough to earn eligibility for benefits.  Unfortunately, some individuals do not qualify for either program; one example is a parent who has taken several years off of work to care for young children but has a spouse who works full time.  The best way to determine whether you qualify is to apply for both programs and let the SSA determine your eligibility. Second, medical records are generally necessary to prove a case and receive benefits.  The Social Security Administration (SSA) recognizes certain impairments as disabling.  Simply saying you have something wrong with you is usually not enough if you cannot provide medical evidence to back you up.  While the SSA will send you to a consultative medical examination, in my experience the results of these examinations are not given a great amount of weight by the disability reviewers or by Administrative Law Judges … Continued

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June 19, 2015

Social Security Disability Claimants Are People Too

I talk to hundreds of people each year about Social Security disability.  My clients have a vast array of diagnoses, and all of them are suffering in some way.  Many of them have the added pain of feeling guilty that they have to apply for disability benefits. If you keep up with the news and the opinion pages, you probably know that Social Security disability benefit recipients are being vilified across the media.  Pundits claim that disability beneficiaries don’t want to work; journalists are quick to investigate and expose people who are “scamming the system.” My experience with disability claimants, though, is very different.  One of the most-repeated phrases I hear when I talk to my clients is, “If I was able to work, I’d be working.”  They have tried, but their physical or mental limitations have kept them from finding work.  If they do find work, they often are not able to keep up their attendance or their work pace and end up getting fired.  Many of my clients have work records dating back decades – they have worked all their lives, but now they cannot keep it up.  They have contributed to “the system” by having Social Security taxes taken out of their paychecks every week for years, but now they feel guilty for trying to use the disability insurance for which they paid.  Some of them have bodies that have just worn down after long years of heavy labor; others are suffering the long-term effects of an accident or sudden illness. Another misconception weaving its way through the media circuit is that it is easy to “get disability.”  From reading some articles, you’d think that a person can wake up one morning with some aches and pains, head down to the Social Security office to sign up, … Continued

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