DISABILITY SURVIVAL GUIDE: NORTH ALABAMA EDITION

  If you are below your Full Retirement Age (FRA), which is around 67 for most people, you may be eligible for thousands of dollars per month in Social Security disability insurance (SSDI) benefits. Here's what's required: A medical/mental condition that has or will keep you off work for 12+ months. You are not currently working at "Substantial Gainful Activity" (earning wages of at least $1,690 per month). You have worked a job that deducted FICA (Social Security) for at least 5 years out the past 10 years. You have medical records to prove you cannot work a full time job:  defined by Social Security as 5 days per week 8 hours per day On a regular and continual basis  You need to file for your SSDI benefit BEFORE you reach Full Retirement Age.  Once you reach your FRA you cannot file for additional disability benefits.   What if You Are Age 62 and Eligible for SSA Early Retirement? Early Social Security retirement pensions are available starting as early as age...

New TrumpRX.gov may save you big money on Prescription drugs The US Government just launched a new website that claims extensive savings on many prescription drugs, including weight loss prescriptions. TrumpRX.gov  claims the following discounts, as examples, of savings: Wegovy Pill          Originally $1,349       Discount Price $149 Wgovy Pen            Originally $1,349       Discount Price $199 Ozempic                  Originally $1,028      Discount Price $199 The website claims that many other commonly prescribed drugs have been discounted, too, and other drugs will be added in future. TrumpRX.gov does not sell or dispense drugs.  Your doctor will still send your prescriptions to your chosen pharmacy and the pharmacy, supposedly, will fill the prescription at the discounted price.   There is a protection, however, for the ...

  SOCIAL SECURITY'S HIDDEN SECRET?  8 out of 10 of their decisions on disability cases are errors.  Your denial of disability benefits is probably wrong.  Here is the short solution to a disability denial: Appeal within 60 days. If you lose the first appeal ("Reconsideration"), appeal again and take the case before a federal Administrative Law Judge. According to nationwide averages, Administrative Law Judges pay around 55 percent of all appeals that reach them. Some lawyers win up to 80 percent of the appeals they represent at the hearing level. One of the lawyer's free services is to evaluate your case to see whether it should be appealed. (In most cases, it should). It is a mistake to accept Social Security's first denial and quit. There is a very, very small chance of being approved in the initial application level. There is only a 15 percent chance of being approved in the "Reconsideration" appeal (your first appeal). However, claimants who c...

  Social Security Administration (SSA) "Grid Rules" for those over 50 make it easier to qualify for disability by recognizing older workers struggle to adjust to new jobs, especially with limited education or skills; rules vary by age bracket (50-54 vs. 55+), finding someone disabled if they can't do past work, have limited capacity (e.g., limited to Sedentary work), and lack transferable skills. Grid rules have greater allowances for claimants 55+. These rules use age, education, work history, and Residual Functional Capacity (RFC) to assess if you can do other jobs, making older claimants (50+) more likely to win benefits than younger ones with similar limitations. To effectively use Grid Rules to win Social Security disability, the claimant must: 1. Clearly define and describe past work (within 5 years), explaining the standing, walking and maximum lifting required of each past job. This helps Social Security determine the Exertion Level of your past relevant work: ...

Can you get Social Security Disability Insurance (SSDI) benefits in Alabama in 2026?  What do you need to get it? It is notoriously difficult, but possible, to get Social Security disability in Alabama in 2026.  Expect a long, frustrating process.  Here's what you will need:   Enough Work Credits.   Most applicants will need have 40 total work credits with 20 of them earned during the past 10 years.  This gives you "insured status." A Severe Medical / Mental Condition .  This condition is "severe" if it prevents the ability to perform ANY full-time work and is expected to last for at least 12 straight months.  (You may not be working at "Substantial Gainful Activity" **when you apply for SSDI, or you will get a Step 1 technical denial). Strong / Recent Medical Evidence .  You must have strong objective medical evidence to PROVE your disability.  Objective evidence includes doctors' examinations, imaging studies, laboratory reports, etc....

  SOCIAL SECURITY DISABILITY NOTORIOUSLY DIFFICULT TO GET By Charles W. Forsythe, The Forsythe Firm - Huntsville, AL Getting Social Security disability in Alabama is notoriously difficult, with around 70 percent of initial applications denied. But it's not impossible, especially if you have sufficient work credits, strong recent medical evidence and can prove that your condition prevents you from doing ANY substantial work for at least one year. The process involves strict medical and vocational criteria, causing most applicants to seek legal assistance from a disability lawyer. Most successful claims come after 2 appeals, one involving a hearing before a federal Administrative Law Judge. This makes SSDI a long, complex and often frustrating journey for many applicants. When your claim gets to the hearing level (second appeal), your odds of being approved rise to a little over 50 percent. The Forsythe Firm has a success (win) rate of over 80 percent; however, we are somewhat ...