There is a lot of misinformation circulating about when you can file for Social Security Disability or Supplemental Security Income benefits, or both.
You can, in fact, file for these benefits at any time; however, depending on your specific life circumstances at the time you file, various factors might affect whether you will qualify for benefits, as well as how much money you might receive.
File for Disability Benefits If These Factors Apply
If you are receiving worker’s compensation benefits or state disability benefits, you can apply for Social Security Disability Insurance benefits (DIB) and Supplemental Security Income (SSI) while you are still receiving worker’s comp or state disability benefits (or both). You do not have to wait for those benefits to run out to apply for DIB or SSI.
If you have an impairment that is totally disabling and not expected to substantially improve in less than one year, you can and should apply for DIB/SSI benefits as soon as possible.
Conditions that Exclude You from Being Eligible for Benefits
Because these benefits are reserved for those with disabilities that prevent them from working, there is really no point in filing for benefits if you are working. You are not able to work full-time and receive disability benefits at the same time, except in very rare circumstances. So applying for disability benefits will really only be useful to you if you are unable to work.
If you are receiving unemployment benefits, you most likely will not be able to obtain DIB/SSI benefits while you are receiving the unemployment benefits. But you can still apply for DIB/SSI, and in most cases you should apply, so long as you do in fact have an impairment or impairments which have lasted or are expected to last for longer than one year and are totally disabling.
Remember, the sooner you apply, the sooner you will get awarded benefits, and if you are denied, the sooner you can appeal to have your claim decided by an Administrative Law Judge. So, because of the length of time it takes for a case to get approved, it may be worth it to begin the application process before your unemployment benefits have ended if you meet the other qualifications to receive DIB.
Work with a San Bernardino Social Security Attorney
If you have questions about which factors and work circumstances will affect your case or prevent you from receiving benefits, William M. Kuntz, a trusted San Bernardino Social Security attorney, can assist you in evaluating your claim and moving it forward.
Give us a call at 951-373-3756 or contact us here to work with your local San Bernardino Social Security attorney for expert assistance on your case.
Generally, in order to be eligible for Social Security Disability Insurance Benefits (DIB) or Supplemental Security Income (SSI), Social Security requires that you prove that you have one or more impairments which prevent you from engaging in significant gainful activity for at least one year.
In other words, you have to have an impairment or impairments which keep you from working for at least one year.
Although that rule seems cut-and-dry, there are some specific variables and circumstances to consider, especially how restricted your ability to work is and whether those restrictions fall within those allowed according to your age group.[Read more…]
Positive FactorsFor example, if an individual is over 55 years of age, that is generally a positive factor, since the Social Security rules and regulations take age into consideration. It becomes easier to be approved as an individual gets closer to retirement age. Additionally, an individual who has a strong and solid work history with minimal gaps in earnings also has an advantage, since the Social Security Administration (SSA) generally looks favorably upon individuals who have strong and consistent work histories. Also, individuals who have significant medical documentation establishing their impairments, symptoms, and limitations are also looked upon favorably by the administration, since it is always necessary to prove a disability rather than merely tell the Social Security Administration about your problems. It is not a question of what you tell them, but rather what can be proven to the SSA with medical evidence.
Negative FactorsAlternatively, individuals who have a poor work history, or who perhaps have never worked and paid money into the Social Security Administration, are not looked upon favorably. They generally have a more difficult time obtaining disability benefits, since their connection to the workforce is questioned by the administration. Similarly, individuals who have been incarcerated or who have a history of substance abuse, such as use of street drugs or heavy alcohol consumption, can have a more difficult time in obtaining benefits, depending on the nature of their impairments. For example, if an individual is alleging that mental impairments make them disabled, but they have engaged in substance abuse of street drugs and/or alcohol, that individual is going to have a difficult to impossible time in getting approved for Social Security disability benefits. The younger an individual is, the more difficult it is to obtain Social Security disability and/or SSI benefits, since the Social Security rules and regulations do not give younger individuals any assistance in establishing disability. In fact, if a younger individual in their 20s, 30s or 40s is capable of showing up to work every day and being there for an eight-hour period, Social Security will, in most instances, find a job somewhere in the country which they are capable of performing, and thus deny benefits in that case. For younger individuals, it is basically required that they establish an inability to be at a job eight hours a day, five days a week, in order to qualify for benefits.
Hiring an Attorney Will Help Your CaseIt is critically important to a claim for Social Security disability and/or SSI benefits to consult with an experienced attorney who is knowledgeable about all of the various factors taken into consideration by the Social Security Administration in disability claims. There are factors which can make or break a disability claim, regardless of the impairments being alleged. Only by hiring an experienced Social Security disability attorney can you be certain that these positive factors can be emphasized and the negative factors minimized in order to have the best chance of success on your claim.
Social Security Disability Insurance BenefitsIf an individual has worked and paid into the Social Security Administration for at least ten years in their lifetime, and for at least five out of the last ten years, he or she is potentially eligible for Social Security Disability Insurance benefits. Social Security Disability Insurance benefits are essentially an individual’s retirement benefits that he or she may be able to receive early, before reaching retirement age, because the individual is now incapable of working. If someone has not worked and paid into SS for more than five years, that individual still might qualify for benefits if it is possible to establish that they became disabled prior to what is known as a “date last insured,” or DLI. If someone becomes disabled after their DLI, they would not qualify for Social Security Disability Insurance benefits.
Supplemental Security IncomeAlternatively, individuals who have not worked and paid enough into the Social Security system recently enough might qualify for what is called Supplemental Security Income, or SSI. SSI also requires that an individual establish that they are disabled and incapable of working under the Social Security rules and regulations. And again, not only is their disability an issue, but so is that person’s age, education, and work experience. With SSI, there is no date last insured issue; however, there are earnings and asset issues which will be considered before anyone might qualify for SSI benefits. For example, if an individual has more than $2,000 in the bank or owns more than one vehicle or a rental property, they will not qualify for SSI. If an individual is married and has more than $3,000 in the bank or in liquid assets, or if their spouse makes too much money, they will similarly not qualify for SSI. Thus, to qualify for Supplemental Security Income, you must not only be disabled, but it is also necessary that you qualify financially—regarding both assets and earnings—before you would be eligible to receive any SSI benefits.
Increasing Your Chances of SuccessRegardless of the benefit type that you are attempting to obtain, it will be necessary to have substantial medical documentation of your impairments from doctors, clinics, therapists, hospitals, etc., in order to establish the severity of your disability and your limitations. The younger an individual is, generally speaking, the more medical evidence is required in order to establish a disabling impairment. To see if you might qualify for either Social Security Disability Insurance or SSI, you should contact an experienced Social Security attorney. Only by talking to an experienced Social Security attorney can you be assured of the best possible chance of success on your disability claim, whether you are claiming Social Security Disability Insurance benefits or SSI.
Social Security benefits are an important way for our society to give and receive help when people face tragedy or are in need. However, it can be frustrating if you’re denied Social Security benefits when you believe you are entitled to receive them.
Luckily, in many circumstances when you’re denied, there is still something you can do. In this post, we’ll look at some of the possible reasons that you were denied Social Security benefits and what you can do about it:
You Earn Too Much IncomeSocial Security benefits are not available to everyone. Their purpose is to provide for the material needs of individuals and families, and one of the main ways eligibility is determined is by looking at the amount of money you earn.
If you earn too much income to qualify, then you will be denied Social Security benefits. Those who earn less are more likely to be prioritized for Social Security benefits because of their financial need.
Your Disability Isn’t Severe or Prolonged Enough
One of the more controversial reasons why you might be denied Social Security benefits is that your disability doesn’t qualify you for aid. If the SSA feels that your disability is not severe enough, or that you have not been affected by it for a long enough period of time, they may decide you are not entitled to benefits.
In order to qualify for SSDI benefits according to their regulations, your disability must be severe enough to last at least twelve months; if not, you could be denied benefits.
The SSA Can’t Reach You
Sometimes, getting denied is more a matter of administrative snags than anything else. For example, if the SSA is unable to reach you because you’ve moved or your contact information is otherwise out of date, you might not receive the benefits you’re entitled to. You should make sure that you are easily reachable and that your contact information remains updated if you’re trying to claim benefits.
You Haven’t Supplied the Necessary Medical Documents
You’ll need to prove you have a disability in order to claim benefits. If you fail to provide proof by not issuing the proper medical documents when you are asked to, the SSA cannot issue benefits in your behalf. Keep all your documents organized and handy so that you can produce them as and when necessary.
Your Disability Is Related to an Addiction
If your disability is related to a drug or alcohol addiction, that may be enough for the SSA to deny your claim. A person using these substances isn’t automatically disqualified from receiving benefits, but if the SSA feels alcoholism or drug use is a major contributing factor in your disability, they can deny benefits. It is unfortunately quite common for this to happen, but if you can prove that you would still be disabled even if you stopped using substances, there is no basis to deny your claim.
You Have a Criminal Record
In some cases, a criminal record will disqualify you from receiving Social Security benefits. If you were convicted of a felony and are currently imprisoned, were injured while in prison, or were injured while committing a felony, you will not be eligible to receive SSDI benefits.
You Refuse to Follow Prescribed Treatment
If your doctor or physician has given you a specific treatment or therapy to follow to help your disability improve but you are not following it, that is usually enough to be denied benefits relating to that disability. You need to make sure that you are following all prescribed therapy and treatment in order to receive benefits.
If Your Claim for Social Security Benefits Is Denied
A Social Security lawyer is a great resource for those filing for SSDI benefits as he or she can help you navigate your qualifications and how to correctly file a claim and submit medical records to the SSA. In the event that the SSA has wrongfully rejected your claim for Social Security benefits, a Social Security attorney can help you get the compensation you deserve.
When you find yourself in need of an attorney, one of your first concerns is most likely the potential cost. But there is generally an affordable way to get the help you need, especially if you’re looking for a Social Security attorney.
Here’s a guide to help you navigate the costs and fees of a Social Security attorney:
First, how much do you need to pay your attorney right away? In the case of Social Security disability lawyers, the answer is usually nothing. The fee will generally be paid entirely out of payments you will receive should you win your case, so there is often no immediate payment to hire a Social Security attorney.
When you hire your Social Security attorney, you will sign a contingency fee agreement. This agreement will entitle your attorney to an amount of up to, but no more than, 25% of past-due benefits you are awarded. So if you win, your attorney’s base fee will be taken directly out of the amount of money you are already owed by the Social Security Administration (SSA).
The SSA will have the task of making sure that the agreement falls within guidelines and protocols, which helps to ensure that your attorney receives what they are entitled to, but no more than that. So in addition to protecting your attorney, this agreement also helps to protect you.
Despite the fact that much of your attorney’s costs will be paid for out of the disability benefits you are awarded, there may sometimes be other costs that you’ll have to pay for, so it is a good idea to be fully aware of these from the start.
If your attorney needs to see any medical, school, or work records, for instance, then you have to produce these—and if there’s a price to have them sent, you will be responsible for that cost. Similarly, you will have to pay for things like copying and postage for those documents, if necessary.
It’s always good to get a sense of what costs your specific case is likely to have before the case starts, so make sure you ask your attorney what other costs might arise that you would be responsible for.
How Disability Benefits Are Determined
When you have been successfully approved for Social Security benefits, the SSA will have the responsibility of fully calculating the total amount of benefits that you are owed, including any back pay.
This will usually go back to the date that your disability began, so in some cases this could add up to a large sum of money. Or, it might be calculated from the date you were approved for benefits, back to the month after you applied for benefits. This is when the contingency fee will be taken out and paid to your attorney by the SSA, and then you will receive the rest.
What You Can Expect Your Social Security Attorney To Do
A Social Security attorney can argue your case for you, working out the reasons you are owed Social Security pay and benefits and compiling the evidence to prove your claim or appeal an unfair denial.
At the Law Offices of William M. Kuntz, we operate on a no win, no fee basis, so you won’t pay any up-front fees—you only pay us if you win. With the help of an experienced Social Security attorney, you are much more likely to bring your case to a successful resolution and receive the compensation you deserve.