February 3rd, 2014
January 28th, 2014
If a person has a disability that does not allow them to work for at least a year or more, they may be eligible to apply for Social Security Disability benefits. Applying for these benefits is easy with the online application process, and anyone can begin their claim without having to set up an appointment with the Social Security office. This will save time and money because they can apply from their home and avoid having to drive anywhere. Online, individuals will find all the steps they need to complete the application, as well as information on how to correct any mistakes they may make in the process.
Applying for Disability Benefits
In order to apply for Social Security Disability, individuals first have to review the disability checklist to make sure they qualify before they proceed. To be eligible, they must be eighteen years or older, have paid Social Security taxes for a certain amount of time, and have a condition which does not allow them to work for a year or more. If they can check off these three things, they are ready to apply. Individuals can apply online, over the phone, or in person. Completing the application online will probably be the most convenient way to apply. Once individuals have followed all of the steps online, and have completed the application, the Social Security office will review the application and decide whether to approve or deny the Social Security Disability claim. This whole process could take several months depending on several factors including what the disability is, obtaining medical evidence, or being randomly selected for a quality review.
Correcting a Mistake on the Application
When individuals are applying online for disability benefits, it is a good idea to double check their application to make sure everything is correct before sending it in. However, sometimes mistakes will be made and a person may want to know how to fix them. To correct a mistake on the disability application, simply contact a local Social Security office by phone or in person. They can direct individuals on how to correct the mistake. If a person is denied for disability benefits, and they realize they had made a mistake on the application that may change that decision, they have the right to appeal, if they make the request within sixty days of receiving the decision letter. Individuals can begin the appeal process by filing online or visiting the Social Security office.
Individuals may be eligible for Social Security disability benefits if they are in a situation where they can no longer work because of a medical condition. If a person finds that they have made a mistake on the disability application, simply contact the Social Security office. They can make sure the mistake is corrected so that the claim can be processed properly.
January 20th, 2014
As a citizen and taxpayer of the United States, people may want to know where their tax dollars are going and how the federal government is spending them. One program, that most people are probably very familiar with, is Social Security. Social Security was created in order to help those who have retired, become disabled, and who are dependents of a deceased income provider. As money is put into the Social Security fund with every paycheck, the American people are essentially putting money into a fund that they may be able to take advantage of when they have retired, or can no longer work because of a disability. In 2012, 38 percent of the federal budget went to Social Security and Medicare combined. The following is information on Supplemental Security Income and Social Security Disability.
Supplemental Security Income
Monetary support for people who are in need is provided by the Supplemental Security Income (SSI) program. People who qualify for these benefits are individuals who are older than 65, or blind or disabled adults and children. The eligibility to receive benefits from this program is the same across the nation. Over the last forty years, since payments for this program started, the number of recipients has steadily increased to nearly 8.3 million people as of December 2012. In 2009, Supplemental Security Income accounted for about 1.4 percent of the federal budget. The percentage of the gross domestic product that went to Supplemental Security Income was about 0.33 percent in 2012, and is predicted to remain level through 2014. After that, the federal government expects the percentage to slowly decline.
Social Security Disability
The Social Security Disability program was designed to monetarily support those who can no longer work, because of a disability. In order to qualify for these benefits, an individual must be unable to work for a year or more, and have paid a certain amount of taxes to the government. Approximately 8.8 million people received these disability benefits in December 2012. In 2013, tax dollars given to Social Security were the main financial providers to this program, which totals about 140 billion dollars. This year (2013), the Social Security Disability program made up about 4 percent of the federal budget. In gross domestic product, this comes to less than 1 percent.
Social Security, whether in the form of Supplement Security Income or Social Security Disability, is there to benefit those who need help with their income from month to month. Although the percentage of the federal budget that is provided to these programs seems small, the amount of people who need these benefits has increased a substantial amount over the last decade. The federal government expects these percentages to decline over the next few years.
January 20th, 2014
by Brad Myler
If you are currently receiving Social Security disability benefits, and are considering moving to a different state, you might have concerns or questions about your continued eligibility. You should know that moving to a new state could affect the benefits you receive, or even your eligibility. Determining whether you can expect a change in benefit amount or eligibility will depend on whether you are receiving Social Security Disability Insurance benefits (SSDI), or receive payments under Supplemental Security Insurance (SSI application).
If you are presently receiving Social Security Disability Insurance payments, your benefits will not be affected. However, you should always make sure that you contact your local Social Security office with your updated contact information. It is important to keep your address information up-to-date, so that you can continue to receive crucial correspondence regarding your ongoing eligibility, as well as your payment checks, if you have not set up direct deposit. You should be able to update your information by calling your local Social Security office, or you can update online by visiting SSA.gov.
Those who receive payments under Supplemental Security Insurance might find that when they move to a new state, their benefit check is lower, or even that they are no longer eligible for the same benefits. Though SSI is a federal program, many states add on a small supplement to monthly federal SSI payments. If your state of origin added a supplement, but your destination state does not, or adds only a smaller payment, you might find that you receive a lower monthly benefit amount.
Additionally, Social Security determines eligibility for SSI by means of a complex formula that calculates income limits for recipients of benefits. For states with no supplementary amount added, the federal income rate maximum is $710 a month (countable income). However, if you live in a state that does add on a supplemental amount, your monthly maximum limit will be higher. This also means that moving to a state that does not add on a supplemental benefit at the state level could result in needing to have a lower monthly income than in your previous state, in order to continue to be eligible for SSI payments.
If you are planning to move to another state. and would like to know how your move will affect your Social Security disability payments, be sure to contact your local Social Security office, or visit SSA.gov. A benefits representative should be able to help you assess your circumstances, determine any income limits in your destination state, as well as provide an estimate of your new SSI payment. For more SSI help or information on SSI back pay, contact Myler Disability Advocates.
January 9th, 2014
by Brad Myler
When you are filing your disability or SSI application for Social Security benefits you will probably be asked a lot of questions and have to provide a lot of documentation. There are five basic questions that the doctors reviewing your claim will be asking you and themselves which range from your work history to your medical history and you can find a list of required and recommended documentation on your state’s Social Security website as well as many other places online.
Are You Currently Working?
One of the things that Social Security Insurance is designed to do is to help those who have worked but who can no longer do so because of disability. This does not mean that you will be disqualified if you do work, but be aware that there is a maximum monthly income for Social Security Disability.
Are You Capable of Working in Your Field?
There are many workers who have had excellent careers and have made use of their skillset in their jobs just to find out that an injury or age leaves them unable to do their job for a significant amount of time. If your condition has forced you out of a field that you have worked in during the past fifteen years then you are more likely to qualify for Social Security Disability benefits. If you are still able to work in your field, but in a significantly less intensive and paying position then your case will be considered under the criteria of current or possible maximum monthly income.
Are You Capable of Other Kinds of Work?
Sometimes there are other kinds of work that you are able to do and the Disability Determination Services, DDS, team will try to match the things you can do to the things that you would be required to do in another field. Some of the things that will be looked at include skills, experience, and any physical or educational limitations.
Is Your Condition Considered Severe and/or on the List of Disabling Impairments?
This is one of the biggest questions you will be asked when you file for Social Security Disability. In order to get Social Security Insurance benefits you will either need to be disabled or of the legal retirement age. For a disability this will usually mean that your condition is severe enough to interfere with the normal activities of your job. If this is the case then you are generally considered eligible for disability benefits as long as you meet the other requirements. This determination of severity does not apply to conditions that are on the current list of disabling impairments. This list is updated as needed and includes a list of conditions that will automatically qualify you for benefits.
by Brad Myler
If you currently receive Social Security Disability payments, it is important that you make sure to report any changes to your household since your original disability or SSI application that could affect your eligibility. Failure to report these changes to the Social Security Agency can result in overpayment. For instance, if a dependent moves out of the house or begins to receive child support or other assistance, or if your condition improves and you are able to return to work, you may no longer be eligible for the same benefits.
When Social Security determines that you have received a larger payment than you are due, you will be sent a Notice of Overpayment. This notice should detail why you have been overpaid (whether through internal oversight, or failure to report a change), and will outline repayment options, as well as your rights for either an appeal or a waiver. Be sure to read the notice thoroughly, determine whether the information is accurate, and begin to act as quickly a possible to resolve the claim.
If you believe that you have received payments in excess of your current eligibility, and you agree with the repayment amount detailed in the notice, there are a number of ways that SSA can recover the overpaid amount. For those who receive Social Security benefits, full withholding will occur each month, beginning 30 days after you have been notified of overpayment. Depending on your circumstances, you may be able to arrange for lower withholding rates, upon approval of your request. If you receive Supplemental Security Income, generally SSA will take repayment out of your monthly benefit. However, money will not begin to be deducted from your SSI payments for 60 days after you have been notified. If you do not receive any benefits, and you do not dispute the overpayment claim, you should either mail a check for the entire amount to Social Security, or contact the agency in order to schedule a payment plan that is workable for you. Either way, you should contact the agency within 30 days of receiving a notice of overpayment. If you fail to arrange payment, or submit a request for a waiver or appeal, Social Security may recover the amount by withholding the amount from your federal income tax refund, your wages (if you are currently employed), or even from future benefits.
If you believe that you have not been overpaid, or that the amount stated in the notice is incorrect, you should act quickly to submit an appeal. You should be able to find the appropriate appeal form (SSA-561) online at SSA.gov, or request a copy by phone, or by visiting your local Social Security disability office. Finally, if you agree that you were overpaid, but do not believe that you were at fault, or are unable to afford repayment, you can submit a waiver request (SSA-632). Whether or not you agree with the notice, it is essential that you contact the agency directly soon after you receive it. This is particularly important in cases where you are unable to afford to repay the amount, in order to ensure that your payment schedule will be manageable, and you continue to receive the full benefit amount for which you are eligible.