Author name: patrick@greemantoomey.com

Legal News, SSA, SSDI

Doctor accuses patients of gaming disability system. Disability attorney disagrees

In a recent article titled “Patients are gaming thedisability system — at high cost to themselves and society” Dr. Marnin E. Fischbach explains how he believes many of his health patients are abusing the SSA Disability program. His article states that many of his patients have gotten approved for benefits and since have had their conditions improve but still remain on SSA disability. Jennifer Modell, an attorney specializing in disability, writes a rebuttal. Her article explains that SSA does conduct disability reviews to determine if recipients still qualify for disability. For more information on Continuing Disability Reviews please click here.

General Info, SSA, SSDI

I’ve been found disabled by SSA, do I receive medical insurance?

If SSA finds that you are disabled you will qualify for medical insurance, but when you’re eligible and what type of insurance you receive varies by disability benefit program. You may be eligible for either Medicare or Medicaid. Medicare is a federally run insurance health insurance program. It will help cover your hospital and medical bills. When you become eligible for Medicare a premium will be deducted from your monthly benefits. Medicaid is a state administered need based assistance program. If you are approved for Disability Insurance Benefits (DIB) you will be eligible for Medicare 30 months from the date you are found disabled. This sounds like a long time to wait for Medicare coverage to start, but if your disability onset date is in the past you may have already put a large dent in the waiting period. You may qualify you Medicare coverage faster if you have been diagnosed with permanent kidney failure, amyotrophic lateral sclerosis (Lou Gehrig’s disease), or a terminal illness. If you are approved for Disabled Adult Child benefits or Disabled Widows Benefits you will also qualify for Medicare. If you are approved for Supplemental Security Income (SSI) you will most likely be eligible for Medicaid. Medicaid is a state administered program that like SSA is based upon financial need. If you have been approved for SSI check with your local Medicaid office to see if you qualify. For more information regarding Medicare eligibility click here.  

Demystifying, SSA, SSDI

What is date last insured?

When applying for Social Security Disability Insurance (SSDI) your date last insured is a crucial aspect of whether you meet the technical aspects of this disability program. Social Security has set specific guidelines for who can qualify for disability programs and these guidelines must be met even before the question of disability is decided. The DLI is the final date in which you are eligible for SSDI benefits. Basically, it requires a disabled worker to have worked long enough and recently enough to qualify for this program. Social Security grants work credits for this program on a quarterly basis. Your quarterly benefits are based on the amount of time you work while you were paying Social Security taxes. The general rule when determining whether you meet the requirements of SSDI is that you had to have worked fulltime at least five out of the last 10 years. Social Security determines your DLI based on your work history and how many credits you have accumulated. The main reason this is important is that you have to prove to the Social Security Administration that you were disabled prior to or on your DLI. If your DLI is in the past, especially by several years by the time you first apply for SSDI, it can be more difficult to convince Social Security to find you disabled prior to your last DLI. Social Security allows workers to earn a maximum of four work credits per year. To earn a work credit you must earn $1,130 while paying Social Security taxes. To earn the maximum of four credits over a 12-month period you have to earn $4,520.  Because older workers have opportunities to earn more work credits Social Security has determined that the total number of credits needed to qualify for SSDI is higher for older workers and less for younger workers. Once you meet the technical requirements of either SSDI then Social Security will begin to determine whether you meet the medical requirements for SSDI. Below is a chart which shows how many earned work credits are needed for a worker to be eligible for SSDI. AGE                                                                                                                                              Work Credits Needed 31-42                                                                                                                                                           20 44                                                                                                                                                                 22 46                                                                                                                                                                 24 48                                                                                                                                                                 26 50                                                                                                                                                                 28 52                                                                                                                                                                 30 54                                                                                                                                                                 32 56                                                                                                                                                                 34 58                                                                                                                                                                 36 60                                                                                                                                                                 38 62 (Or Older)                                                                                                                                              40

Legal News, SSA, SSDI

Chronic Traumatic Encephelopathy: When your job asks the worst of your body, can Social Security still be there?

Both the Huffington Post and the Deseret News have recently discussed the greater occurrence of Chronic Traumatic Encephelopathy (CTE) amongst military veterans due to bomb blasting and football players due to the tackles received on the field.  Both cases generally appear as Traumatic Brain Injury (TBI), but later degenerates more fully into CTE. Let’s be clear, TBI can be deadly, and can also give the claimant headaches, nausea, vomiting, ears ringing, difficulty balancing, fatigue, ringing in ears and blurred vision, just to name a few symptoms.  All of these symptoms, if severe enough, can interfere with a claimant’s inability to work.  CTE can be even worse, showing disorientation, overt dementia, staggard gait, confusion, impeded speech, tremors and deafness.  These symptoms, if severe enough, can make it near impossible for a claimant to maintain the pace and persistence of competitive employment. Many claimants with conditions like TBI and CTE, who’s conditions are a result of the work activity they knowingly entered into, wonder if Social Security is even an option, due to an “I brought this on myself” mentality.  This concern is unfounded.  Even if a claimant’s injury is the result of being in a risky environment that the claimant knowingly put him or herself in, Social Security can still be there for the claimant.  The real issue is whether the claimant has a severe mental or physical impairment that prevents him/her from being able to work consistently 8 hours per day, 5 days per week.  For many people with the degenerative condition that is Chronic Traumatic Encephelopathy, the answer will be a clear yes. Social Security claimants generally don’t run into trouble on the sole basis of assuming the risk that caused the condition unless the condition is directly linked to the abuse of drugs or alcohol.  If that is the case, then the claimant would have to show sobriety (often times of 12 months or longer), before being able to prove their claim.  CTE is generally not linked to the abuse of drugs or alcohol and exists separate and apart from that use. Furthermore, the debilitating effects of CTE, in many cases, may result in faster treatment from Social Security.  As one article discussed, the debilitating mental effects of CTE has resulted in suicidal tendencies.  If the claimant’s condition has shown to cause recent suicidal ideation, then Social Security should assign a Critical Case designation and expedite the claim.  While this doesn’t cut much time off the claimant’s processing on the initial application and request for reconsideration, due to the time it takes to request and review medical records, it can result in a substantially shorter wait time for a hearing.  The policy behind this expedite is that it allows the claimant quicker means to get the level of medical treatment that being on Social Security provides, and possible save the claimant’s life. For the Huffington Post article, click Here. For the Deseret News article, click Here.

General Info, SSA, SSDI

The Greeman Toomey Blog

The Greeman Toomey Blog is updated nearly every day with insights, updates and explanations of the issues surrounding the practice of Social Security Disability law.  The group of content writers for the GT Blog is comprised of 10 SSDI attorneys and a couple experienced paralegals who deal directly with their subject matter daily.  If you have any suggestions or questions you would like the bloggers to address, please contact us through the form on this website. You can receive blog updates via our Twitter feed (@greemantoomey) or by liking us on Facebookor just check back here. Thanks for reading the GT Blog!

Demystifying, SSA, SSDI

But I'm too old to learn a new job . . . Right?

Basically, the issue before Social Security is: is there some job which you can do on a full time basis? It doesn’t matter if you are a professional, or a laborer, white collar or blue. If you were a surgeon but now can only sit and take tickets at a toll booth on a regular basis, you may not qualify as disabled. But is that always the case? Fortunately … Nope. As you get older the rules begin to change. Social Security has developed a set of medical-vocational guidelines commonly referred to as “the girds.” The basic concept behind the grids is, the older you get the less vocational adjustment you should have to make to return to work. These rules currently begin to change when you approach age 50. They change again at 55, and again at age 60. Eventually, the rules contemplate that unless you can do pretty much the same job you had done in the past, you will be found disabled. There is a chance that these rules may be changed by Congress at some point to account for the fact that people are working longer, and that they change occupations more often now than they did in the past. For example, at some point in the future the grids may not apply until age 55. The idea being that today’s 55 is yesterdays 50. Is it a good idea to make the age limits on the grids higher? Perhaps. But for now the age at which the rules start to change is just prior to your 50th birthday.  

Demystifying, General Info, SSA, SSDI

Do I really have to go before a judge at a hearing?

A hearing? A Judge? Sounds scary. At the hearing stage of the disability determination process, a claimant goes before an administrative law judge to explain why they are disabled. This may seem scary or intimidating, but it’s not like going to criminal court. This is actually your best chance to be awarded benefits, because you become a real person rather than just a name on the computer or in the stack of medical records and forms. The actual hearing is not meant be intimidating. However, unless you have an attorney who understands not only the structure of the hearing, but also the underlying rules and regulations surrounding disability, the hearing can be like being lost in the woods without a map. At the hearing, the judge and your attorney will ask questions about your conditions, your limitations, your medical history, and your work history. There might also be a doctor or job expert there for the judge or your attorney to get information from. This is a good thing. The hearing is a chance to become a person to go in and say “this is me, and this is why I can not work.” Claimants should look at this as an opportunity rather than a challenge. Talk to your attorney and then go and tell the Judge what it’s like.

Demystifying, SSA, SSDI

Demystifying Entitlement Programs through Technology

It’s an election year, and the two political tickets, Obama/Biden and Romney/Paul, have very different visions for the future of your Social Security disability benefits. Mitt Romney has unleashed significant misinformation campaigns to keep voters from casting an educated vote in November, and these misinformation campaigns involve lies about programs like Social Security, Medicare, and Medicaid. If you are watching TV or listening to the radio and find yourself confused or intrigued by the claims of a paid political advertisement, there’s a new high-tech way for you to investigate: Cell phone apps for your smart phone can now fact-check political advertising. Two free apps for your smart phone will help you navigate some dubious claims this election season. One is called Super PAC. If you hold your phone up and record a political advertisement while running this app, it will listen to the ad playing on TV and inform you who paid for that ad. An Apple-specific version of this same service is called Ad Hawk. These free apps can help you avoid unofficial information that your candidate did not officially endorse – information that is likely to be biased. When your benefits are on the line, it’s important to vote, and to vote informed!

Demystifying, SSA, SSDI

Do I Qualify as a Disabled Adult Child?

In order to qualify for a Disabled Adult Child (DAC) claim, you must have a parent who is collecting Disability Insurance Benefits, retirement benefits, or is deceased. If you meet the requirements for a DAC claim, you will be eligible for benefits based on your parent’s earnings record. To be entitled to receive these benefits you must also be found disabled prior to age 22. SSA will use the same medical requirements to determine disability as with other types of claims like Disability Insurance Benefits and Supplemental Security Income. The recipients of DAC benefits must be at least 18 years old, unmarried, and working under what Social Security calls Substantial Gainful Activity (SGA). The current SGA level is $1,010 per month gross (meaning before taxes). If your earned income is above this amount you will likely not be eligible for Social Security disability benefits. You can look into your eligibility for DAC benefits even if you are currently receiving another type of Social Security disability benefits. If you are currently receiving disability payments from Social Security, you may be eligible under a DAC claim for a higher benefit amount based on your parent’s earnings record. Additionally, if you are found eligible for DAC benefits you will also be eligible for Medicare. If you think that you may qualify for this program or have questions, please contact the Social Security disability attorneys at Greeman Toomey PLLC at (612) 332-3252, or toll-free at 1-877-332-3252.

General Info, SSA, SSDI

Expediting Claims Due to Financial Distress

Knowing that the majority of Social Security disability claims can take the better part of two years before they are ultimately resolved can create a financial crisis for those applying. Those who apply for either Social Security Disability Insurance (SSDI) and or Supplemental Security Income (SSI) are claiming that they can’t work on a full-time basis. As claims can take upwards of two years (or more), being without an income can put great stress on a claimant’s finances. One way claimants who are experiencing severe financial stress can speed up the process is to ask Social Security to expedite their claims. Social Security will consider moving claimants to the front of the hearing schedule if they can prove they have an inability to provide housing, food or medicine for themselves. If a claimant can prove the inability to provide any of these three things, they can possibly speed up the process in which their hearing would be scheduled. Remember, Social Security only considers individuals in dire financial need as candidates for the expedited process. To prove such a dire need claimants must provide supporting documentation such as a foreclosure notice, an eviction notice or proof they are unable to obtain food stamps or assistance with medication coverage. A new wrinkle has recently been implemented by Social Security, as it has begun to require claimants to exhaust all other resources in obtaining housing, food and/or medical coverage prior to asking a claim be expedited. This requires that the claimant request emergency housing assistance, medical coverage and food stamps at the county or state level prior to requesting that Social Security expedite a claim. If the claimant is turned down for these requests at the county or state level, Social Security will be more willing to expedite his or her claim. Remember, the Social Security Administration does not take the request to expedite lightly as many applicants for Social Security disability are facing financial difficulties. Additionally, there are thousands of claimants who are waiting for their hearings, meaning a claimant must have a very good reason or reasons to jump to the head of the line. For example, the Social Security hearing office in Minneapolis has approximately 9,000 claimants currently waiting for hearings at any given time and only expedites hearings for claimants that can prove they lack the ability provide basic needs. It is important for claimants to take advantage of all available options, including county or state assistance, before requesting their claims be expedited. If you are in need of representation on your claim, contact the Social Security disability attorneys at Greeman Toomey PLLC at 1-877-332-3252.  

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