SSA

Legal News, SSA, SSDI

Proposed Reforms to Student Loan Debt Forgiveness Based on Disability

Earlier last week the Education Department proposed new rules to revamp its program for forgiving federal student loans of borrowers who become disabled. While the proposed reforms would not use Social Security disability findings as a basis for discharging loans – as many student borrowers’ advocates had hoped – they would streamline the application process and improve communication with borrowers. As of 2008, the standard for discharge of student loans is full disability for at least five years. Check out the full article here.  

Demystifying, SSA, SSDI

What to expect at your Social Security hearing

The day you’ve been waiting two years for is finally here. It’s time for your Social Security hearing before an Administrative Law Judge (ALJ). You are happy the day has finally arrived, but also nervous because you don’t know what to expect. At Greeman Toomey we ask that our clients arrive at our office 90 minutes prior to their hearing’s scheduled time. Our office is conveniently located in the same building as the Office of Disability Adjudication and Review (ODAR), the location of hearings for Twin Cities’ metro area residents. When you show-up to our office you can be confident that your hearing attorney has reviewed your file and is prepared. The first step is to discuss what will happen at the hearing with a Greeman Toomey attorney. During this time the attorney will go over any questions he or she has about your medical conditions and treatment, as well as answer any questions you may have a bout the process. After the preparation is complete it will be time to go to ODAR for the hearing. You will then wait in the ODAR lobby until your case is called before the assigned ALJ. Once this happens you will proceed to the hearing with your attorney. At the hearing there many be a few other people in the room with you besides your attorney and the ALJ. Almost every hearing includes the presence of a vocational expert. This independent expert will testify about what types of jobs you may or may not be able to perform. The ALJ might also appoint an independent medical expert to testify about your disabilities and how they might affect your ability to work and a court reporter is assigned to document the hearing. After testimony from the experts your attorney does a thorough job of proving the facts of your case to the ALJ. The entire process takes about 45 minutes and is a lot more informal than a typical hearing you might see in a different type of courtroom. Typically you will not know the decision the judge is going to make the day of the hearing and have to wait until the presiding judge writes the official decision, which can take up to 90 days to receive.

Demystifying, SSA, SSDI

The Reconsideration Level

In a previous post on this blog entitled “The Initial Level” we discussed the first of the four main levels of an application for Social Security disability benefits and/or Supplemental Security Income. This entry discusses the second level which is commonly referred to as the “Reconsideration Level.” If an individual’s application was denied at the initial level, then the process will continue to the reconsideration level. The reconsideration level is very similar to the initial level in that the Social Security Administration (SSA) will conduct a complete review of your claim and the medical evidence which has been collected from your health care providers. However, at this level the evidence will be reviewed by individuals who did not take part in the decision made at the initial level. The SSA will again review all of the evidence that was considered at the initial stage, as well as any new material that has been submitted. Although a new evaluation is being conducted at the reconsideration level, unfortunately, the denial rate at this level is very high. For example in 2009 only 8.2% of medical decisions made at the reconsideration level resulted in approval. (See Outcomes of Applications for Disability Benefits here) If it is determined that an individual is not disabled at the reconsideration level, the individual may request a hearing in front of an Administrative Law Judge, which is the third stage an application for disability benefits can progress to. The Hearing Level will be addressed in a future post.

Demystifying, SSA, SSDI

What is an RFC? (SSR 96-9p Part I)

An RFC is important at several stages of the 5 step sequential evaluation process, but let’s start with a definition. RFC stands for residual functional capacity, and is an individual’s maximum remaining ability to perform sustained work on a regular and continuing basis. In other words, what can the person do 8 hours a day, for 5 days a week? An RFC is assessed based on all the medical records in a case and is supposed to represent the most a claimant can do, both physically and mentally. A person’s RFC considers both exertional and non-exertional limitations. Exertional limitations have to do with physical strength and fall into one of seven categories: sitting, standing, walking, lifting, carrying, pushing, and pulling. Non-exertional limitations include any work-related limitation that is not covered by one of the exertional categories. Non-exertional limitations include: mental abilities, vision, hearing, speech, climbing, balancing, stooping, kneeling, crouching, crawling, reaching, handling, fingering, feeling, and environmental restrictions. If any exertional limitations are involved in a disability claim, then the RFC assessment must include an exertional classification of sedentary, light, medium, heavy, or very heavy work. As a person moves down the list of exertional classifications (for example, from heavy to medium) fewer jobs are available that fall within the person’s RFC. As a result, the lower the exertional classification, the better the claimant’s chances of being found disabled. Non-exertional limitations can also decrease the number of jobs that fall within a claimant’s RFC. For example, limitations in fingering and handling could exclude assembly jobs, while limitations in interacting with the public could exclude customer service jobs. In future blog posts we will look at RFCs in several different scenarios and examine how they might affect the outcome of case.

Legal News, SSA, SSDI

Congressional Testimony by the Honorable D. Randall Fry, President of the Association of Administration Law Judges.

Click this link for Congressional Testimony by the Honorable D. Randall Fry, President of the Association of Administration Law Judges. He makes some more than fair points: noting the immensely short time judges have to review cases that are often hundreds of pages long, and that Administrative Law Judges have to do an immense balancing act protecting the interest of justice, the treasury and the claimant. However, the suggestion that having a government attorney present at each hearing to oppose the claimant is not a solution. It will only cause more spending withing the system to pay for the extra attorney at each hearing. Furthermore, many claimants don’t go into a hearing represented, and many of those claimants lack the capacity to be able to successfully argue their case opposing a government attorney. Social Security Disability hearings are designed to be NON-ADVERSARIAL. The system is overburdened, but adding adversity to the claimant is not the solution.  

General Info, Legal News, SSA, SSDI

Huntington’s Disease Added to Compassionate Allowance List

At present there are 113 medical conditions that qualify for ‘compassionate allowance’ status; an additional 52 conditions will be added in August 2013.  Compassionate Allowances (CAL) include medication conditions that Social Security purportedly identifies and targets early in the process for expedited processing.  The full list of conditions can be found here, and it includes Early Onset Alzheimer’s, some cancers, and several congenital birth defects. On July 13, 2012, the Social Security Administration announced that Huntington’s Disease would be added to the compassionate allowance list by the end of the year.  Huntington’s Disease is a genetic disorder passed from parents to children that causes physical symptoms including jerking motions in the extremities and an unsteady gait – it also results in mental impairments including psychosis and dementia.  The disease is progressive and there is no known cure.

Demystifying, Legal News, SSA, SSDI

Can I work and apply for Social Security disability at the same time?

Try going the better part of two years without the ability to earn a living and having no income to speak of. Many times this is exactly what someone who is going through the Social Security process is faced with. Because it can take a long time before an applicant is approved for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) most of those who apply experience financial distress. If you can’t work because of your disabilities how someone with no income would pay their rent and keep their utilities on is anyone’s guess. Fortunately, for those who are able to, Social Security will allow applicants to work on a part-time basis while they are going through the disability process and even after they are approved for disability benefits. It is important to know specific rules if you are working and applying for Social Security disability. It may seem like a contradiction for someone who is claiming to be disabled to go back to work or to continue working, but many people have no other choice. Working, especially on a part-time basis, does not necessarily mean you are not disabled. Many people have physical or mental health disabilities that prevent them from working at a full-time level, or what Social Security considers to be a Substantial Gainful Activity (SGA). In 2012 Social Security has set SGA at $1,010 gross income (before taxes) per month. Anyone who earns more than this through work-related activity runs the risk of disqualifying themselves from being eligible for SSDI. That means that Social Security will not even consider whether you are disabled because you do not meet the technical requirements of the program set forth by Social Security. Applicants who are applying for SSI face even stricter income limitations as all household income and most assets can disqualify someone from being eligible for SSI. It’s also important to know that even if you go back to work full-time, when going through the disability process, your case will probably not be dismissed unless you earn more than $1,010 (gross) per month for a continuous sixth-month period. Be sure to keep your legal representatives informed of your work activity, specifically your case manager, if you are a client of Greeman Toomey. If you show that you are attempting to work, but are unable to sustain that work because of your disabilities, it’s generally not a negative when it comes to the Social Security process.

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