Articles Posted in Social Security Disability Insurance

Disability can affect anyone no matter his or her level of education, amount of money made before becoming disabled, or social status. The reality is that when someone becomes disabled and can no longer work, if that individual did not have private long term disability insurance (most people don’t), he or she will have a tough time getting social security disability insurance (SSDI) benefits without the assistance of an attorney who regularly handles disability matters.

According to a recent news article for the New Britain Herald, one new program in Connecticut is aimed at helping the homeless get disability benefits and social security benefits so they can afford to live and get the medical attention they need.

The problem is that the Social Security Administration (SSA) has created a system that is geared towards denying people benefits and delaying the process. It is not merely a case of too many applicants and too few claims employees. This is evident by the fact that nearly every application is denied after being filed. It does not matter what the disability is or the claimant’s need.
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According to a recent news feature from AL.com, the Social Security disability system is virtually impossible to navigate without legal representation, according to applicants.

One disability benefits applicant waited four years for the Social Security Administration (SSA) to approve her application. She had worked as a nurse for 13 years at a local hospital but began to suffer from severe gastrointestinal issues that required bypass surgery. It is thought that bypass surgery was the cause of her developing pancreatitis.
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Moore, Jr. v. Colvin, an appeal heard in the United States Court of Appeals for the Eighth Circuit, involved claimant who applied for Supplemental Security Income (SSI) benefits under Title XVI of the Social Security Act.

At a hearing by an administrative law judge (ALJ) with the Social Security Administration (SSA), the ALJ determined that claimant was not disabled, because of jobs identified by a vocational expert (VE). These jobs were identified in response to a hypothetical created by the ALJ.
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In recent months there have been an increasing number of news articles that warn us that the funding for Social Security Disability Insurance (SSDI) benefits administered by the United States Social Security Administration (SSA) will run out in less than two years, unless more money is allocated by Congress. This is what news commentators and politicians are referring to as the SSDI cliff, over which the program is poised to fall.

One recent article from the Huffington Post looks at a new program that may be a partial solution to the problem with the SSDI system, known as the Achieving a Better Live Experience (ABLE) bill. ABLE, which is said to have bipartisan support, would allow people who became disabled at a young age to receive training and support to allow them to work in new higher paying fields, despite their disability, while still receiving SSDI benefits.
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When we use the term disability with respect to a person who can no longer work, we normally think of a physical disability, such as one caused by an accident or medical condition like a stroke or heart disease.

However, mental illnesses, such as severe depression and posttraumatic stress disorder (PTSD), can make it impossible for people to work, and this may qualify those individuals for Social Security Disability (SSDI) benefits.

According to a recent article from the New York Post, teachers may be able to qualify for disability through a union disability plan for the disability of school-related stress. While many teachers claim disability for on-the-job incidents such as falling down the stairs, or being attacked by a student, some teachers are submitting disability claims for PTSD and school-related stress.
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According to a recent article from WIVB4 News, one woman’s three-year wait for Social Security Disability Insurance (SSDI) benefits is finally over. Due to severe injuries to her neck and back, claimant has been unable to work since late 2010.

Claimant filed a claim after becoming disabled and, after several initial denials, was afforded the opportunity to have her case heard before an administrative law judge (ALJ) at the Social Security Administration (SSA) Office of Disability Adjudication and Review.

After a hearing before the ALJ, claimant waited well over a year, and a decision was still not released. During this time, claimant feared that she would lose everything. She had worked her entire adult life up until becoming disabled and had purchased her house. She had always made her mortgage payments on time but was now facing foreclosure. While she said the bank had been patient with her, there was not much they would be willing do, given that she was without any income for years.
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A recent news article from the New York Times takes a look at the growing trend of employers choosing to phase out providing long-term disability insurance to employees.

Historically, many employers, especially those who provide white-collar jobs, have offered employees long-term disability insurance either free or with the option to purchase coverage from a company-subsidized policy through a private carrier.

As our Boston disability lawyers know, private long-term disability insurance will typically provide up to two-thirds of an employees salary if the employee suffers from a disability that makes him or her no longer able to work in their chosen profession.
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A news article in the Wall Street Journal discusses how difficult it can be to get approved for Social Security Disability benefits (SSDI). As noted in the article, the injury or illness for which a claimant is seeking SSDI benefits must be so severe that it leaves the claimant unable to work in any job, not just the job in which the worker is currently employed. The disability must also be expected to last more than one year, or result in death, to be considered serious enough to qualify for benefits from the Social Security Administration (SSA).

In addition to the disability requirements, a claimant must also have worked and paid taxes for a considerable number of years (this is dependent on the age of the claimant) prior to submitting an application for benefits. The money a worker pays in taxes goes towards this eligibility requirement, which is termed paying into the system.

Our disability attorneys note the main point of the article was to illustrate concerns that people who aren’t really disabled are freeloading off the system are simply wrong. While there are obviously some instances of SSDI fraud, the vast majority of benefit recipients are not only genuinely disabled, but also fought a very hard uphill battle to get approved for benefits in the first place.

These misconceptions are unfortunately becoming more prevalent, as concerns rise that the SSA will run out of money for the SSDI program in the next two years unless a budget is approved.

The reason it is so difficult to obtain approval for benefits is that the SSA apparently decided long ago that the best way to run the program is to routinely deny nearly every claimant who submits an application for benefits.
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Browning v. Colvin, an appeal heard before the United States Court of Appeals for the Seventh Circuit, involved a woman who had applied for Supplemental Security Income (SSI) benefits. The United States Social Security Administration (SSA) oversees the SSI program. As our SSI attorneys in Boston can explain, SSI benefits are available to low-income individuals who are elderly, blind, or permanently disabled regardless of work history.

Claimant’s application for SSI benefits was denied by the administrative law judge (ALJ) employed by the SSA. Claimant appealed the denial.

In Browning, claimant was 25 years of age and filed for SSI benefits due to the fact that she was intellectually disabled and suffered from knee and hip problems. Her joint disease was a result of a childhood illness known as Legg-Calve-Perthes Disease.
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Welsh v. Colvin, an appeal from the United States Court of Appeals for the Eighth Circuit, involves a claimant who applied for Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) benefits from the United States Social Security Administration (SSA). The SSA denied his applications for benefits.

After the SSA denied his initial application, he appealed that decision. As an experienced SSDI attorney in Massachusetts can explain, the SSA routinely denies far more than half of all new applications almost as a matter of course. Once receiving an initial denial, claimants can appeal the decision to the SSA in writing.

Once the SSA agent gets a written appeal, the denial is reviewed on a peer review system. This means that a coworker of the employee who made the initial denial will review the application and decide if a mistake was made. It is almost always the case that the coworker handling the first appeal will defer to his or her coworker who denied the application and affirm the earlier determination.
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