Archive for the ‘ Social Security ’ Category

19
Sep

How Do I Claim Social Security Benefits in Indiana?

September 19, 2018

Generally speaking, social security disability is a type of benefit given by the Social Security Administration (SSA) that someone is entitled to based on their work record.  If you’ve worked long enough for enough quarters prior to an injury or an illness that’s going to cause you to be unable to work for an extended period of time, at least 12 months, then you’re able to file for disability based on your work record.

Before you can begin to think about claiming social security benefits, you must ensure that you are qualified for these benefits. If you file a claim without all of your information, you could enter a long road of denials and end up never receiving social security, whether you deserve it or not.

To qualify for social security in Indiana, you must have one of the impairments listed by the SSA. Each year, the SSA will make small changes to this list, and in order to even think about applying, you first must make sure that your injury, illness or condition is on the list. Unfortunately, this list isn’t as easy as searching for your illness—in fact, many people find this list to be confusing and often, people are left unsure if they qualify or not. Instead of getting discouraged, speak with an attorney who can help you decipher whether your specific problem is included.

Once that is established, you will need to understand which type of disability you qualify for. There are two different types of social security disability, SSD and SSI. Both fall under the wing of the SSA, but each are different and enter into different acceptance piles. In short, SSD is the one you pay into when you’re working, and you qualify for it if you have worked full time for enough quarters. SSD usually results in higher monthly payments. If you have never worked full time (you worked part time or are a stay at home mom, for example) you will only be eligible for SSI, which is less per month and requires more eligibility to qualify.

After determining your type of social security, you will then work to build your personal case. This is a great time to have an attorney step in, as this step is extremely time-consuming and expensive. You will need to detail your entire medical history, get a doctor to confirm the condition you are applying for disability with and include all of your work history. One wrong piece of information will lead to your instant denial, and not having your full medical record will also cause you to be denied. An attorney can take over this burden for you, ensuring they get all your medical records for you and filed for you in the proper manner.

If you are seeking social security disability and want an experienced attorney on your side, contact Stewart & Stewart at 1-800-33-33-LAW or visit our website for more information.

15
Aug

Understanding the Two Types of Social Security Disability

August 15, 2018

People don’t always understand that there are two types of social security disability: Social Security Disability (SSD) and Supplemental Security Income (SSI). SSD is the one you pay into when you’re working. You can only get it if you worked full time for enough quarters to earn that payment and pay into the system. It’s a higher monthly payment but it’s harder to get. It’s like an insurance program, you don’t get it unless you’re paying into it and when you stop paying into it, it expires.

If your SSD expires or you’ve never worked full time, or if you’re a stay at home mom or worked part time, SSI is the poverty-based benefit that you may be eligible for. SSI is less per month and you have to be below a certain poverty level to be eligible for it. If you own a house, have a spouse who worked or have retirement income, you wont be eligible.

How does someone go about claiming Social Security Disability?

If you want to claim SSD or SSI, you can go online to SSA.gov and fill out the application. It’s self-explanatory and has mainly questions about your personal life and medical situation. It’s easy, it’s online and all of the information that is needed is direct personal knowledge. Once the application is filed, it goes to the Social Security Administration and it starts the whole process.

If you are unaware of which type of social security you are eligible for, you can apply for both on the application and they will tell you which, if either, you can apply for. Once they figure out which one you are eligible for, then they go into determining if you have a disability that fits to actually receive it.

When would you need an attorney?

After you fill out the application, it puts you in a line. The difference between doing it on your own and having an attorney is that an attorney can update your medical records often. In the beginning, social security is ordering your records and initially, everyone usually gets denied. Once you are denied, you will appeal the decision and this is often when people will look to hire an attorney. If you can, it’s ideal to get an attorney before that first appeal because you have a short deadline and it’s hard to understand the appeal process. If you have an attorney, if and when you are denied, you have an attorney that knows how to file the appeal. Once you file that appeal, you will probably be denied again. After you appeal for a second time, you and your attorney will get access to the system and be able to upload medical records. Once you’ve been denied twice, you’re in line for a hearing. It can take one to two years after your attorney requests a hearing to actually get one, so during that time, your attorney will order and upload medical records so once you get to that hearing, you are prepared for it.

If you aren’t represented, your hearing is shorter, you don’t get as much consideration and you may not be able to update your medical records because it is expensive and time consuming. An attorney will handle your appeals and summarize your medical records for the judge, which is how you will win if your medical records show you meet certain requirements to be considered disabled. An attorney has no control over the scheduling or when things happen. They don’t make it faster, but they help make it better for you in that they are paying to update your records and making sure the judge knows what’s wrong with you so you don’t have to do that yourself. With an attorney by your side, you’re making a stronger case for yourself.

If you are dealing with social security disability and are considering getting an attorney, contact Stewart & Stewart. Give us a call at 1-800-33-33-LAW or visit our website for more information.

15
Jun

What is Social Security Disability?

June 15, 2018

According to the Social Security Administration, Social Security Disability is a benefit that someone is entitled to based on their work record. If you’ve worked for enough quarters prior to an injury or an illness that causes you to be unable to work for an extended period of time (at least 12 months), then you are able to file for disability based on your work record.

There’s also something called Supplemental Security Income that’s more of a needs-based income and is reserved for those that don’t have enough working quarters to qualify for Social Security Disability. Supplemental Security Income and Social Security Disability are both based on disability and the inability to return to any kind of gainful employment and both give out a monthly income to help people live and keep a roof over their head.

For many, getting Social Security Disability isn’t easy. In fact, most people will face a denial or other hardships during the application process.

Why Did I Get Denied?

A lot of denials are simply based on the fact that the Social Security Administration doesn’t gather all of the medical records that are pertinent to the case and don’t receive the medical opinions from the individual’s treating doctors and physicians. There are certain injuries, illnesses and medical conditions that qualify an individual under different requirements that the Social Security Administration has. If those medical records show that those medical conditions or those sections are met, then you will get approved at the initial or reconsideration stage.

On the other hand, for instance, for a back injury, there’s certain medical findings for a back injury that qualify someone for social security benefits and if the medical records aren’t submitted or physician statements aren’t submitted to the Social Security Administration showing that those requirements are met, you will get denied.

How can an Attorney Help with Social Security Disability?

An attorney knows the process, the waiting times and what needs to be submitted to the Social Security Administration. Your attorney will gather your medical records and make sure they get submitted on time. They will also make sure that your appeals get filed on time. The process can be daunting, so a good attorney will help you understand how long it will take and counsel you through the process, staying by your side through the application to the hearing, should there be one.

Often times, people get denied at the initial stage of filing for Social Security Disability and then they also get denied at what’s called a reconsideration stage. Once that reconsideration stage is denied, your attorney will then file for a hearing. This whole process often takes much longer than 12 months, often taking as long as 18 to 24 months to get to the hearing level. Once you’re at a hearing level, you want to make sure that you have someone representing you that knows what they’re doing so they can make sure to point the judge in the right direction and make sure they have the proper medical opinions and medical reports and that the judge can actually see the individual’s level of disability.

Overall, an attorney provides a lot of organization, a lot of understanding and a lot of communication. They make sure that the Social Security Administration gets what they need because if you’re claiming Social Security Disability, you have to make sure that you’re providing everything that the Social Security Administration needs and if that’s not happening, then their chances of getting approved are very, very small. A good attorney will make sure that all of that happens correctly.

If you are applying for Social Security Disability, contact the trusted attorneys at Stewart & Stewart. Give us a call at 1-800-33-33-LAW or visit our website for more information.

25
May

SSD Benefits May Be Closer Than You Think

May 25, 2017

Imagine you’re in a boat out in the middle of the ocean. The boat is taking on water, and you have nothing to plug the hole. That’s what thousands of disabled Americans feel like when their Social Security Disability application is denied. They’re in a desperate situation. They can’t work, which means they can’t support themselves. They turned to the government for help, but that door was shut in their face with a denial letter. So who can they turn to for help?

They can turn to us.

At Stewart & Stewart, we know the odds of getting approved with your initial Social Security Disability applications aren’t great. In fact, only about one out of every three applicants are approved right away. That’s thousands of folks just like you who have no idea how they’ll make ends meet. Thankfully, you can appeal with the help of an experienced Indiana Social Security Disability attorney on your side.

If you’ve been denied Social Security Disability benefits, the help you need is available right now. Contact our Indiana Social Security Disability lawyers today for a free consultation. Let us review your application for free to determine your best next steps. You may be closer to the benefits you deserve than you think. Contact us today.

5
Apr

SSD Benefits: Your Second Chance at Life

April 05, 2017

Social Security Disability (SSD) benefits provide more than financial assistance to Americans who can no longer work due to their disability; they provide a second chance at life. If you’re disabled and can’t work, only you know how demoralizing and frightening it can be not knowing how you’re going to survive without a regular paycheck. If you could work, you would. But the reality is your disability has robbed you of your ability to do so, which is why you applied for SSD benefits.

The good news is SSD benefits are available to folks in your exact situation. The bad news is securing benefits can be extremely difficult on your own. If your application is like more than two-thirds of initial applications, you’ll be denied benefits on your first attempt. You can of course appeal that denial, but that could take a while, and if you make the same mistakes on your appeal application, you can expect the same result when the decision comes back.

That’s why it’s important that you consult with an experienced Social Security Disability attorney if you’ve been denied benefits. At Stewart & Stewart, we know the SSD system, and more important, we know what you need to do to qualify for benefits. Contact us today for a free consultation. We’ll evaluate your situation and if we feel like we can help, we’ll work hard to get you benefits in the least amount of time. Don’t try to go through this alone. Contact us today.

22
Feb

The Truth About Social Security Disability Benefits

February 22, 2017

For disabled folks in Indiana, it’s a thin line between making ends meet and barely hanging on. If you’re disabled, you can’t work. If you can’t work, you can’t earn a living. If you can’t earn a living, your only recourse is asking for help. That help should come in the form of Social Security Disability benefits, but the reality is those benefits can be difficult to secure. In fact, more than two-thirds of all initial applications are denied.

Why? Because many applicants don’t fully understand the requirements set forth by the Social Security Administration. To qualify for benefits, you must be unable to do any type of work, not just your chosen profession. For instance, if you can sit at a desk and answer a phone, you probably don’t qualify for Social Security Disability benefits. However, if you can prove that you are completely unable to work, then you have a chance. Problem is, proving that degree of disability can be difficult on your own, which is why so many folks in Indiana call Stewart & Stewart for help.

If you’ve been denied Social Security Disability benefits, give us a call for a free consultation. We can help you navigate the system with confidence, giving you the best chance to secure benefits in your appeal. The sooner you start receiving disability benefits, the sooner you can get on with the life you deserve. Contact us today for your no cost, no obligation consultation.

4
Jan

Social Security Disability: Getting it Right the First Time

January 04, 2017

Social Security Disability (SSD) is a safeguard for disabled Americans who can no longer work or make a living on their own. Without SSD benefits, these individuals would struggle to make ends meet. Although Social Security Disability has never made anyone rich, it could be the difference between living well and falling through the cracks.

That’s why it’s so important that you secure SSD benefits as quickly as possible, and an experienced Indiana Social Security Disability attorney can help you do just that. The SSD application process is notoriously difficult to navigate on your own, which is why more than two-thirds of all initial applications are denied. That’s thousands of Americans denied every single year. Thankfully, with an attorney’s help, many of those who were initially denied will receive benefits through the appeal process, but it’s important that you secure legal help as soon as possible.

If you’ve been denied Social Security Disability benefits, give yourself the best chance of winning your appeal by calling an experienced attorney today. At Stewart & Stewart, we’ve been helping the disabled people of Indiana get the benefits they deserve for years, and we’re ready to help you as well. Your SSD benefits are too important to your family to try and go it alone. Contact us today.

16
Nov

Social Security Disability: Don’t Wait Until You’re Denied

November 16, 2016

More than two-thirds of initial Social Security Disability applications are denied and we believe your best chance of securing benefits in your appeal is with a lawyer on your side. However, did you know that you don’t have to wait to be denied before giving us a call?

As a disabled worker, your first priority should be to get Social Security Disability benefits as quickly as you can. Therefore, it makes sense that you would want to build the best initial application possible and secure benefits the first time around. The problem is, most folks in Indiana don’t know the ins and outs of the Social Security Disability system, leaving them grasping for straws when it comes to filling out their application.

At Stewart & Stewart, we know how to secure benefits the first time around. We’ve helped people from all over the state successfully apply for and receive Social Security Disability benefits, and we’re ready to help you as well. If you’re disabled and unable to work, call our experienced Indiana Social Security Disability attorneys today for your free consultation. We’ll work hard to get you maximum benefits in the least amount of time.

31
Aug

Why You Were Denied Social Security Disability

August 31, 2016

No one likes to be rejected. Whether in a sports tryout or by a love interest, getting rejected hurts the pride and bruises the ego. And some rejections hurt more than others. For disabled Americans, a rejection notice from the Social Security Administration (SSA) hurts more than the ego; it can put their families’ financial futures in jeopardy.

It’s a fact that more than two-thirds of all Social Security Disability applications are initially rejected. That’s thousands of Americans every year denied the financial benefits they so desperately need. Why are they rejected? There could be thousands of reasons, but one of the most common is the applicant failed to meet the SSA’s definition of disabled. To secure disability benefits, you must prove that due to your disability, you are unable to do any type of work, not just the work you did before your injury. Proving that degree of disability on your own can be extremely difficult, which is why securing an experienced Social Security Disability attorney to represent you is so important.

If you’ve been denied Social Security Disability benefits, give us a call immediately for a free evaluation of your claim. Our experienced Indiana Social Security Disability attorneys have helped people from across the state win benefits in their appeal, and we’re ready to help you as well. Your benefits are too important to your family’s future to try and go it alone, so contact us today.

29
Jun

Proving Disability to the Social Security Administration

June 29, 2016

The Social Security Act of 1935 was one of the greatest legislative achievements of the 20th century. It provided financial support to seniors who otherwise would have struggled financially in their latter years. That crowning achievement was only surpassed when the act was amended in 1956 to include disabled Americans. Millions apply for these benefits every year, but more than two-thirds of initial applications are denied, leaving many wondering how they’ll make ends meet.

To secure Social Security Disability (SSD) benefits, you must prove that you 1) are disabled and 2) cannot do any type of work, not just your preferred occupation. For example, if you are a mechanic and become disabled, you only qualify for SSD if you can prove that you are unable to do any job, even something like collecting tickets at a movie theatre. Proving that level of disability on your own can be extremely difficult, which is why many call an experienced Social Security Disability lawyer for help.

If you’ve been denied SSD benefits, give us a call today for a free consultation. Our experienced Indiana Social Security Disability lawyers will thoroughly research and evaluate your condition to determine the best approach for your appeal, giving you the best chance of securing benefits. Your SSD benefits are too important for you to go it alone, so call us today.