Skip to main content

SOCIAL SECURITY DISABIITY INSURANCE FOR WORKERS

 There are 2 ways a worker can suddenly loose his/her income and the ability to support the family:

One is by premature death.  Life insurance is the best way to protect against the loss of income due to premature death.

The second is by disability.  One in 4 Americans will become disabled before reaching full retirement age.   The US Government provides insurance to protect against lost wages due to disability.  It's called Social Security Disability Insurance (SSDI).

SSDI is a valuable benefit but has the following challenges:

1.  It takes a long time to get approved for SSDI benefits.  The initial application can take 12 months or more for review and over 75 percent will be denied after the first review.  The resulting appeals can take up to 2 years with no benefits being paid during appeals. You may need a lawyer to get approved.

2.  Not everyone has Social Security disability coverage.  SSDI only covers only  individuals who have worked at least 5 years out of the previous 10 years before becoming disabled.  You will need 20 work credits to be covered (and you can earn up to 4 credits per year). Persons who haven't worked during the past 4 or 5 years may have no coverage, no mater how sick or disabled they become.

3.  The amount of your SSDI benefit will not replace all your lost wages.  Your exact benefit depends on your average lifetime wages and many find that it only replaces about one-half of recent earnings each month.

If you need assistance applying for or appealing a Social Security claim, consider The Forsythe Firm in Huntsville, AL.  Charles W. Forsythe has decades of successful experience in Social Security disability.

  • Free consultations. We even do telephone consultations.
  • Never a fee of any kind until you are approved with past due benefits.
  • Personal access to your representative; we DO return your calls.
  • Our office is directly across from Bridge Street with free parking.

 HOW TO CONTACT CHARLES W. FORSYTHE

Call US          (256) 799-0297

Email Us       ForsytheFirm@gmail.com  

 

 

Comments

Post a Comment

Popular posts from this blog

CAN YOU WIN YOUR DISABILITY APPEAL WITHOUT A LAWYER?

The Social Security Administration does not require you to have a lawyer to file an appeal or to appear at a hearing.  However, most people heading for a disability hearing will hire a lawyer or advocate to help them.   Studies have shown that you are about twice as likely to win with a lawyer.  A recent study found that claimants with no lawyer win about 30 percent of the time while claimants with a lawyer or advocate win 60 percent of the time.   " He just cooked his own goose." These statistics cover only one aspect of a disability appear--your odds of winning. The other important aspects are time and convenience. If you prepare and adjudicate your own disability appeal, expect to spend 12 to 24 months working on the case.  You will be collecting, reading and submitting hundreds or thousands of pages of medical records.  These records are complex and often difficult to understand.  And you must know how each medical record helps (or hurts) your dis...
Post a Comment
Read more

GET YOUR APPLICATION RIGHT - GET PAID SSDI B ENEFITS

  Get your Social Security application right - get paid.   There are hundreds of ways to mess up a Social Security disability application.  One of the most common ways that I see?  Blank lines.  Questions left blank.  One way or another, these questions will get answered before a decision is made on your claim.  They may get answered 6 months later when the Social Security office calls you--but you have just wasted 6 months.   Worse yet, Social Security may assume that since you didn't answer the questions, all the answers are "no," so nobody bothers to call you. This will lead to a negative action on your claim.   The complete disability application will consist, not just of the basic application, but several forms.  Many of those forms will be mailed to you AFTER you file the claim.  The following is always required for a complete application: The basic disability application (5 pages)  Disability Report (14 p...
Post a Comment
Read more

HOW TO PASS A SOCIAL SECURITY DISABILITY EXAM

  So, Social Security is sending you to one of their doctors for an exam.  The first thing you may ask is, How do I pass this exam?   First, I should say that Social Security exams are not "pass or fail."  The doctor or examiner cannot tell Social Security whether or not you are disabled or whether you should get a benefit.  The doctor is going to check certain facts. For example, the doctor may check the range of motion in your joints and list the measurements. They may check your grip strength. (S)he may determine if you have difficulty walking, squatting, kneeling standing from a seated position.  The examiner may answer specific questions asked by Social Security: Is the use of a cane or assistive device medically necessary? Why is it necessary? Can the claimant use his/her hands to grasp and hold objects? Is the claimant able to understand and follow simple directions?  Here is advice I give my clients for a Social Security examination:  ...
Post a Comment
Read more