Many people file an application for Social Security Disability benefits on their own, and only contact an attorney after being denied. As an attorney that handles Social Security Disability claims, I encourage people to hire a lawyer at the beginning of the process, rather than after being denied once or twice.
Your odds of winning at a disability hearing before a judge are about 50%. If you have a lawyer with you, however, your odds increase to 62%, making your claim statistically more likely to be approved than be rejected.
three to four monthsThe average response time for the SSA to reach a decision after you apply for SSDI benefits is three to four months, but this time period could be extended to up to eight months. Reconsideration. If the SSA denies your request for benefits, you will need to file a request for reconsideration of their decision.
You should apply as soon as you become disabled. Social Security Disability Insurance (SSDI) benefits have a five month waiting period, which means that benefit payments will not begin before the sixth full month of disability.
Here are some more ways to speed up your disability application.Requesting an OTR Decision. ... Requesting an Attorney Advisor Decision. ... Compassionate Allowances List. ... Terminal Illnesses. ... Presumptive Disability. ... Dire Need. ... Military Service Members. ... Contacting a Member of Congress.
But unfortunately, obtaining SSDI benefits is not easy. In fact, it's rather difficult. Approximately 70% of initial SSDI claims are denied every year. In other words, less than one-third of initial claims are approved.
There are some government-sponsored programs to help with disability income as you await a decision on your application or once you have been approved. These include Unemployment, Supplemental Nutrition Assistance Program (SNAP), and state-mandated short-term disability insurance (available only in five states).
Disability and Disease Approval Rates According to one survey, multiple sclerosis and any type of cancer have the highest rate of approval at the initial stages of a disability application, hovering between 64-68%. Respiratory disorders and joint disease are second highest, at between 40-47%.
After receiving Security Disability Insurance (SSDI) benefits for 24 months, you will become eligible for Medicare. Prior to being eligible for Medicare when receiving SSDI, you may be eligible for COBRA health insurance through a former employer.
Your benefit amount is based on the quarter with your highest wages earned within the base period. A base period covers 12 months and is divided into four consecutive quarters. The base period includes wages subject to SDI tax that were paid about 5 to 18 months before your disability claim began.
five monthsGenerally, if your application for Social Security Disability Insurance (SSDI) is approved, you must wait five months before you can receive your first SSDI benefit payment. This means you would receive your first payment in the sixth full month after the date we find that your disability began.
OklahomaOklahoma is the hardest state to get for Social Security disability. This state has an SSDI approval rate of only 33.4% in 2020 and also had the worst approval rate in 2019 with 34.6% of SSDI applications approved. Alaska had the second-worst approval rate, with 35.3% of applications approved in 2020 and 36.2% in 2019.
Can you work while applying for disability? Social Security Disability benefits can be very helpful to those who live with a disability. While waiting to hear if you qualify for disability benefits, it is still possible to continue working. However, any income from employment may put your eligibility at risk.
To recap, there is no difference between the time frame for approvals and denials, and you have very little control over how long it takes, because it takes time for the Social Security analysts and representatives to collect evidence, obtain doctors' reports and evaluate the case.
Top Signs Your Disability Application Will Be ApprovedSubstantial Evidence of a Medical Condition. ... Proof of a Physical or Mental Impairment. ... Substantial Work History. ... Maintaining Employment Is Not Possible. ... You Hired a Lawyer. ... Contact Us.
Well, there are a number of reasons. One is the fact that the SSA is understaffed. Another more common reason, however, is that the delay in processing an application is often caused by a disability examiner's inability to get medical records from your doctors or specialists.
OklahomaOklahoma is the hardest state to get for Social Security disability. This state has an SSDI approval rate of only 33.4% in 2020 and also had the worst approval rate in 2019 with 34.6% of SSDI applications approved. Alaska had the second-worst approval rate, with 35.3% of applications approved in 2020 and 36.2% in 2019.
Applicants for Social Security disability (or SSI disability) are very unlikely to find an attorney to represent them for free, even at legal aid offices. Lawyers who help disability claimants work on a contingency basis, meaning that they only get paid for their work when they win a case, and they get paid only a one-time fee out of your back benefits.
To qualify for Social Security disability, you must expect to be disabled for at least 12 months. If you do not plan to stop working, this site cannot assist you because you will not qualify for the program.
Your local Social Security office can provide a list of legal referral services and nonprofit groups, such as bar associations and legal aid organizations, that can either provide or help you find representation. The National Organization of Social Security Claimants’ Representatives also has a referral service, and you can search online legal directories such as Avvo, FindLaw and Lawyers.com for attorneys in your area who specialize in disability claims.
A lawyer or advocate can fill out the SSDI or SSI application on your behalf and help gather medical records and other evidence for your claim. They can review your application for mistakes or omissions that could hurt your chances of success and can join you for meetings or conferences with Social Security officials.
In a typical fee agreement, the representative's payment is capped by federal law at 25 percent of back pay or $6,000, whichever is less.
Once you've chosen someone to handle your case, you need to notify Social Security in writing. Download an SSA-1696 form from the Social Security website and send the completed version to your local Social Security office. Alternatively, your representative can file it for you electronically. Both you and your representative will need to provide an electronic signature for verification.
Having an attorney or advocate can be especially important if you disagree with Social Security's initial decision on your claim and file an appeal.
Most disability lawyers and advocates work on a contingency basis, meaning they only get paid if your claim is approved. Any fee agreement between you and your representative must be authorized by Social Security.
During the COVID-19 pandemic, Social Security is also permitting claimants to verbally appoint a representative during a telephone hearing with an administrative law judge. You must still submit the written notice afterward.
Not all claimants will need to hire a lawyer before or after they submit a SSDI application. If you have a condition and corresponding symptoms which definitely meet or equal a listing or a condition on the Compassionate Allowance list, assuming you meet all of the nonmedical requirements for SSDI, you will not need legal help.
It is at this step that the lawyer can do the most good for you. They can collect and submit all necessary medical evidence to strengthen your SSDI application, get information about your residual functional capacity to work from your doctor, and write a detailed brief to the Administrative Law Judge (ALJ). The attorney will also appear at the hearing with you to answer the judge's questions and cross-examine the Vocational Expert or Medical Expert.
If your SSDI application is denied and you have the right to appeal the denial, you have 60 days to file your SSDI appeal.
The good news is a disability lawyer works on a contingency fee basis, and they are only paid if you win. They are also paid a percentage of your back pay. This means that if you are approved immediately for benefits you may not owe them much money.
Many disability lawyers will not file the SSDI application for you. In fact, it is generally up to you to contact the SSA and the complete the process. A disability lawyer can, however, offer you legal advice about how to improve your chances of winning benefits.
If you're denied at the application level, it becomes more important to hire a lawyer. Disability lawyers know how to prepare a disability case for a hearing and they have the necessary expertise with Social Security rules and regulations to win at the hearing. Your lawyer may want to practice asking you questions that the judge might ask so that you aren't nervous at the hearing and so that you can testify (honestly) in a way that's helpful to your case.
And if you don't want to wait upwards of two years for a hearing date, you might try to hire an attorney for help with the initial application.
The only real con of hiring a lawyer is that, if you win your claim, the lawyer will receive part of your back payments from Social Security. The lawyer can take up to 25% of your backpay, up to a maximum cap of $6,000 (but the fee has to be based on the amount of time the lawyer spends on your case). When we surveyed readers, we found that the average fee collected by Social Security lawyers was $3,750, much lower than the maximum (and even lower in SSI cases: $2,900).
Is hiring a lawyer for your hearing worth the money? In the survey of readers we did, the average attorneys' fee for those who hired a lawyer for the hearing was $4,600 (though more than half paid the maximum fee of $6,000). But the hearing is the last good chance you have of getting approved for benefits, so you may decide it's worth part of your backpay to hire the lawyer (and you don't have to pay if you don't win).
If you don't want to wait upwards of two years for a hearing date, you might try to hire an attorney for help with the initial application.
Generally, because disability attorneys get paid on contingency (only if you win), they are motivated to track down important medical records and test results and talk to your doctors, or at least obtain detailed statements from them. (Often, doctors are more likely to respond to an attorney’s request for a supportive statement than to a patient’s request.)
If your medical records are insufficient, your lawyer could also help you arrange for a breathing test or ejection fraction test before you apply, so that you have a better chance of winning disability at the initial application stage. If necessary, a disability attorney can request that Social Security schedule (and pay for) an exam with a doctor or psychologist.
Disability lawyers are trained to counter negative testimony presented by the vocational expert and to elicit supportive opinions. This skill requires an understanding of the complex way in which different jobs, and the skills needed to do them, are categorized.
This is important because if there are any areas in the applicant's testimony that weaken the case, the attorney is trained to spot the problem and to use further questioning to correct or clarify the applicant's testimony.
Represented applicants are more likely to win because, in part, disability attorneys and advocates know how to develop the evidence needed for an approval for that client's particular medical conditions. When a good disability attorney or advocate gets a case, he or she reviews the applicant's file carefully to determine whether any additional tests or medical records are necessary. The representative will then work with the applicant to get the necessary records and submit them on time to the SSA. The representative will also make sure that irrelevant information is not submitted, which is important if the claim goes to the hearing level, because administrative law judges (ALJs) often become aggravated if they have to sift through pages of irrelevant records.
Sometimes "bad facts" come in the form of a doctor's opinion that states that the applicant is not disabled or that the applicant is exaggerating symptoms. Other times, an applicant has not seen a doctor for many years or has been inconsistent with following a treatment plan, either of which can hurt the applicant's chances. Regardless of the specifics of the "bad facts," disability attorneys are often able to confront and explain the issues to the ALJ in ways that minimize damage to the applicant's case.
A supportive opinion from your doctor (s) is vital to winning a disability claim. However, doctors are sometimes unwilling to help disability applicants. There are many different reasons why doctors may not want to help; for example, a doctor may be unsure about how the disability process works or may be too busy to fill out forms. Some doctors may have personal opinions about Social Security benefits that make them unwilling to help. Also, a doctor simply may not believe the applicant is disabled.
Applicants with lawyers are more likely to win on appeal is because most disability attorneys have extensive experience with the appeal hearing process. This experience gives attorneys the specialized skills needed to win your appeal. Experienced disability attorneys have also learned to work through the process correctly so there are as few additional difficulties as possible.
The single most important factor to winning a claim is having the right medical evidence. Applicants frequently don't know exactly what to give the Social Security Administration (SSA) and may end up submitting too much irrelevant information and too little of what matters.
There are three main possible "theories" an attorney can use to do this. Your lawyer can: prove that your condition meets a disability "listing". prove that you "grid" out of all work (including not being able to do your past work) prove that your non-exertional limitations prevent you from working, or.
If your attorney thinks additional testing is needed to meet the listing, he or she may request that an SSA doctor examine you or that you schedule the necessary tests with your physician. If your condition does not seem likely to meet the listing, the attorney will look to other possible theories.
Your attorney or nonattorney advocate will request the medical records needed to win your claim and submit them to the Social Security Administration (SSA) at the appropriate time before your hearing.
At the disability hearing, your lawyer will ask you ask you a series of questions called "hypotheticals." These hypotheticals are designed to rule out the possibility that you can work any type of job due to the limitations imposed by your condition. For more information, see our article on how an attorney uses hypotheticals at a disability hearing. (Also, you may want to learn more in general about what to expect at your disability hearing .)
To prove you are not capable of sedentary work, your attorney will use the documented symptoms of your illness, the opinions of your treating doctors, your testimony, and any other objective medical evidence in your file to show why you can't do various sit-down jobs. For example, if your doctor has said that you can't lift more than 10 pounds or sit more than two hours per day, this will help prove that you are capable of "less than sedentary work," meaning that Social Security will have to find you disabled. (For more information, see our article on "less than sedentary" status.
First, your lawyer will review your denial letter from Social Security to get the agency's reasons it denied your claim so that these issues can be resolved in your favor. (For more information, see our article on denial notices .)
Because Social Security frequently dictates the type of exam needed to win a claim for disability, a legal professional will review your medical records to determine whether you need to undergo additional testing. The legal professional may ask the SSA to schedule a consultative examination (CE) with one of their doctors or ask that you get the required testing done on your own, if need be.
One way the SSA determines your eligibility for monthly disability benefits hinges on your credibility as an applicant. If you haven’t sought treatment for your condition or discussed symptoms with your doctor, it looks bad to the SSA. If you aren’t treated, the SSA automatically assumes your condition isn’t limiting you as much as you say it is. The more documented evidence from your doctor showing regular treatment appointments and progress notes, the higher your chances for approval. Among all disability secrets, this one’s likely to result in your technical denial if you can’t or won’t follow through. In other words, no physician actively treating your disability = no claim approval for benefits. If you cannot afford to see a doctor, make an in-person appointment at the SSA office for a referral.
1. Ideally, you should have already been out of work for five months or more when you apply for SSDI.
In any given year, you can earn a maximum of four Social Security work credits with full-time employment. Plus, the amount you need to earn one work credit increases each year to keep pace with increasing average wages. In 2019, you’ll get one Social Security work credit for every $1,360 you earn, according to the SSA.
If you have an especially complicated claim, ask a Social Security attorney to review your application before submitting it. Lawyers often know disability secrets that apply to someone in your specific situation that you wouldn’t find anywhere online.
One of the biggest disability secrets people ask about is, “How can I prove I’m disabled during my DDS exam?” The answer is simple, actually! If you drop a pencil on the floor and cannot pick it up without help, you’re disabled. And if you can’t walk across a room (or go up or down a few stairs) without assistance, you’re disabled. Finally, if you must alternate sitting and standing throughout the day or cannot lift anything heavier than 5 lbs., then you’re disabled. Of all disability secrets we know, this one may be the most valuable!
If a sudden disability makes working obviously impossible on a short-term basis, you may be exempted from the five-month rule. The SSA will estimate how long your inability to work should last based on your medical diagnosis. If it’s one year or longer, you may still qualify for disability benefits. 2.
A doctor must medically diagnose you with a condition expected to last at least 12 months or result in death. Do not apply for disability benefits until your doctor confirms that your condition meets the SSA’s internal definition of “disabled.”.
When you apply for Social Security and your claim is denied, there are several levels of appeal that you can go through. Reconsideration is the first level of the appeals process in most states. You can request this reconsideration in writing by contacting the Social Security Administration.
If you lose the reconsideration, you should definitely consider hiring a lawyer for the appeal hearing. To learn more, read our article on how hiring a disability attorney can help you win benefits.
Most reconsiderations are denied, so your chances of winning at that stage of appeal aren't good unless you have evidence that your medical condition has deteriorated -- or new evidence that you didn't have the first time around.
Your local Social Security office can provide a list of legal referral services and nonprofit groups, such as bar associations and legal aid organizations, that can either provide or help you find representation. The National Organization of Social Security Claimants’ Representatives also has a referral service, and you can search online legal directories such as Avvo, FindLaw and Lawyers.com for attorneys in your area who specialize in disability claims.
A lawyer or advocate can fill out the SSDI or SSI application on your behalf and help gather medical records and other evidence for your claim. They can review your application for mistakes or omissions that could hurt your chances of success and can join you for meetings or conferences with Social Security officials.
In a typical fee agreement, the representative's payment is capped by federal law at 25 percent of back pay or $6,000, whichever is less.
Once you've chosen someone to handle your case, you need to notify Social Security in writing. Download an SSA-1696 form from the Social Security website and send the completed version to your local Social Security office. Alternatively, your representative can file it for you electronically. Both you and your representative will need to provide an electronic signature for verification.
Having an attorney or advocate can be especially important if you disagree with Social Security's initial decision on your claim and file an appeal.
Most disability lawyers and advocates work on a contingency basis, meaning they only get paid if your claim is approved. Any fee agreement between you and your representative must be authorized by Social Security.
During the COVID-19 pandemic, Social Security is also permitting claimants to verbally appoint a representative during a telephone hearing with an administrative law judge. You must still submit the written notice afterward.