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Each year, millions of Americans struggle to pay their student loan bills.  This is true for younger people who are just out of college, and it is true for people who have been out of school for 20 years.  It is also true for parents of students who took out federal student loans and may still be struggling to pay them off many years later.

cashThis is reason we see Americans who have reached the age of retirement and are still saddled with tens of thousands of dollars of federal student loan debt.  While it is difficult for many people to pay off this debt and make their required payments each month, it is especially challenging for those who are disabled, according to a recent news article from the Money and Career Cheatsheet. Continue reading

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According to a recent news article from the Wisconsin Watchdog, a publication that has been following the many problems at the U.S. Social Security Administration (SSA) and their disability benefit program, the agency is requiring personnel to take whistleblower training after it has already allegedly fired one whistleblower. The alleged firing of a whistleblower in retaliation for reporting problems with delays, along with judges making derogatory comments to employees and disabled claimants, has gotten some members of Congress concerned, and they have commenced oversight hearings.

whistleIn this recent article, the author discusses how this mandatory training is designed to tell employees about their rights to report misconduct and thus become a whistleblower, and the whistleblower that started all of this is not there because she was fired three months before the first training.  It has been alleged that she was fired illegally in retaliation for reporting the various different instances of misconduct. Continue reading

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According to a recent news article from The San Diego Tribune, the wait for a Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) appeals hearing before an administrative law judge (ALJ) is averaging 540 days for many claimants. These are the hearings held at the United States Social Security Administration (SSA) Office of Disability Adjudication and Review (ODAR) offices around the nation.

stopwatchWhen someone first becomes disabled to the point where he or she can no longer work, that person will typically apply for a type of disability benefits known as Social Security Disability Insurance benefits. This program was designed to help those who have worked for a large portion of their adult lives before suffering a disability that no longer allows that person to work.  In some cases, we are dealing with former members of the U.S. military that have already exhausted their options with the Veterans Administration (VA), and, in other cases, we are dealing with people who have been injured on the job and have already reached Maximum Medical Intervention (MMI) in the workers’ compensation cases and are in need of Social Security disability benefits. Continue reading

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Over the past couple of years, we have been hearing a lot about how there is not enough money in the budget for the Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) programs.  For a while, it looked like Congress might not approve a stopgap measure to shift money from the much larger Social Security Old Age and Retirement Program and the Social Security Survivors programs to the two disability programs.

workHowever, apparently realizing that it would be very bad in the middle on one of the most divisive elections in our nation’s history to let around 11 million Americans have their monthly benefits checks slashed by nearly 20 percent, they decided to add additional funding at what was basically the final hour.  This allowed us to avoid the so-called fiscal cliff at the United States Social Security Administration (SSA) for at least the next few years. Continue reading

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Crowd source online funding campaigns are getting increasingly more popular these days.  While we first saw these services used for new inventors trying to raise the money to develop prototypes and get their new ideas to markets, we now typically see these funding campaigns when someone becomes serious ill or a family suffers some other type of tragedy.

cashWhile these online funding campaigns can certainly be helpful and can result in a lot of money being raised, they can also result in the termination of Social Security Disability Income (SSDI) benefits, according to a recent report from AOL News. Continue reading

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People who receive Social Security Disability Insurance benefits will want to research their rights if they plan on moving out of the country. People who relocate or travel for extended periods of time out of the country may be at risk of losing those benefits. Whether your benefits are jeopardized will depend on the type of benefits you receive.

There are three different programs that the U.S. Social Security Administration is responsible for administering.  The largest program in term of recipients and budget is the Social Security Old Age and Retirement benefits.  This is the program that workers pay into by having money deducted from their paychecks. This is part of the Federal Insurance Contribution Act (FICA) that is listed on your pay stub and is technically different from income tax.  The reason it is different is because FICA money is apportioned between SSA funds, and the IRS tax money is largely put into in the nation’s general fund.

deniedWhen you reach the age of retirement, you are entitled to a monthly benefits check.  While the age when you can legally retire and claim benefits keeps going up, you can retire earlier, but you must take at least a 25 percent reduction in your benefits. You can also provide for your spouse if he or she survives you, but that requires a reduction in payment. Continue reading

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According to a recent news article from WPRI News, a brave veteran from North Attleboro has returned from war only to a face another kind of battle – this one in his home state.  This was a battle of bureaucracy and red tape in several different governmental agencies as he tried to get a full and appropriate award of disability benefits.

armyHe is a veteran of the U.S. Army National Guard in the 101 Division. and he had served several tours in the Middle East as part of the Global War On Terrorism and related campaigns.  In 2007, he was in his barracks on the outskirts of Bagdad when the enemy began firing rockets at his position.  These rockets were designed to break up into shrapnel, and he was hit with several very large pieces of shrapnel.  When they extracted two of the metal pieces, they measured over four inches long and three inches wide.  He said that the one big piece of shrapnel took him out and split his right leg in half.  He was able to avoid an amputation, but it took 17 separate operations to save the leg.  At this point, he was granted a medical retirement from the military.  Continue reading

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In Gutierrez v. Colvin, a Social Security Disability Insurance case from the U.S. Court of Appeals for the Ninth Circuit, there was no question claimant could lift no more than five pounds.  She could also not lift her right arm above her shoulder, but her left arm was perfectly fine.

gavel211When she first applied for SSDI benefits, her application was denied. This is nothing out of the ordinary, as the vast majority of all applications are denied.  Once the U.S. Social Security Administration denied her application, she took her first step in the appeals process. Continue reading

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According to a recent article from GoUpstate.com, Social Security Disability Insurance (SSDI) benefits are a lifeline to those who are too young to retire, but can no longer able to work due to an injury or illness. The article takes a look at what happens when you work for a living for many years and that hard work takes a real toll on your body and you can no longer work and earn an income.

948188_learning_with_pencilThere are some that suffer a muscle and skeletal breakdown for many years of working.  Others will become sick with an acute illness, such as cancer or organ failure, have a stroke, or be in a car accident.  While there are possibly lawsuits that can be filed and workers’ compensation, you may eventually be out of options and need help to make ends meet. Continue reading

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Most people do not think warmly of the U.S. Internal Revenue Service (IRS).  However, according to a recent news article from The Los Angeles Times, the IRS could take action that will instantly help approximately 387,000 disabled Americans who owe a great deal in student loan debt. These financial burdens are greatly exacerbated by the fact they are unable to work full-time.

pencil tipSen. Elizabeth Warren, (D-Mass.), has been urging the IRS to act by writing a strongly worded open letter to the tax-collecting agency. However, she argues that time to act may be up soon, since the GOP will control the U.S. House of Representatives, the Senate, and the Oval Office, and they are less likely to help these people out.  Political views aside, the action she is asking the agency to take would affect anyone who has been determined to be completely and permanently disabled and has an income lower than the federal poverty guideline for an individual, if unmarried, or a family of two if married. Continue reading

Contact Information
Boston Office
1 International Pl Unit 1810
Boston, MA 02110
Phone: (617) 777-7777Fax: (617) 722-9999
Taunton Office
60 Court St
Taunton, MA 02780
By Appointment Only
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308 Victory Rd
Quincy, MA 02171
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43 Harvard St
Worcester, MA 01609
By Appointment Only
Disclaimer – The settlements above are only a sample of cases represented by our office. Each case is different and the amount of a potential resolution of your case will vary considerably depending on a substantial amount of factors. Some case results were worked in conjunction with partnering law firms.

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