Oct 27th, 2014

Hiring a Baltimore Social Security Lawyer

Fred London Law 0 Comments Uncategorized

When a person in injured on the job, the workers’ compensation program pays benefits that cover medical expenses and other financial issues. This includes wages lost due to absence from work and long-term compensation for those who are disabled and no longer able to work. This program functions as a type of insurance and in exchange, an employee waives the right to sue his or her employer. Workers’ compensation is managed at the state level. After a Workers’ Compensation claim has been settled, many people are left unable to work and in need of Social Security disability. If you have experienced a work-related injury in Maryland, and are unable to work for a year or longer, a Social Security Lawyer in Baltimore may be able to help.

Who May Qualify for Workers’ Compensation
Not everyone who works is covered by a business’ program. A person must be a regular employee of the business. Independent contractors and volunteers are not included for this reason. Additionally, some industries are exempt from workers’ compensation requirements and operate under a different program. These include federal employees, longshore and harbor workers, railroad workers, and military personnel each have unique compensation programs that are internally regulated.

Social Security Disability Benefits
If a workplace injury is not long-term, the benefits will end when the employee is well and returns to work. When the condition is very severe and the impairment is permanent, other long term disability benefit payments may be paid to the injured worker. If a person is disabled to the degree that he or she cannot return to work, is not skilled in another field, benefits may be paid for the remainder of the person’s life.

When an individual qualifies for long-term disability or permanent disability benefits, he or she may also qualify for Social Security benefits. The Social Security Administration offers two programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Both pay benefits to injured persons. The first is dependent on earned income, the second on a demonstrated financial need. For either, the applicant must provide medical evidence of a disability that prevents him or her from working for a year or longer.

Seeking Legal Assistance
Health care is a personal topic and each case is unique to the individual. For those who are navigating the combination of state and federal programs, the volume of paperwork and necessary information can be daunting. A person may apply for both workers’ compensation and Social Security Disability, the amount of benefits you may receive from Social Security may be reduced by the amount received through workers’ compensation. A Baltimore Social Security lawyer can provide assistance with the Social Security claim, while providing advice on workers’ compensation as it relates to the Social Security disability claim, and any potential offset in benefits.

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Oct 22nd, 2014

Earning and Receiving Social Security in Baltimore

Fred London Law 0 Comments Uncategorized

Social Security is a federal program, so it functions the same in Baltimore, Maryland, as it does throughout the United States. This program, along with Medicare, takes a tax from every paycheck you earn, throughout your life. It functions like insurance that covers retirement, disability, and benefits for dependents in the event of death. The Social Security System has become a topic of debate as the percentage of Americans over the age of 65 grows, while the earning potential for many younger workers remains limited. For those that qualify for benefits, the program can be a critical financial resource. If you are a Baltimore resident with questions about Social Security, a local attorney may be able to answer your questions beyond these basics.

Earning Credits
To qualify for Social Security benefits, a person must have earned income and paid taxes. Individuals can earn up to four credits per year. The monetary value that qualifies an individual for a credit varies by year. In 2014, the amount to earn the maximum four credits was $4,800. Workers must earn a certain number of credits to qualify for retirement or disability benefits.

Aging into the Program
The primary purpose of Social Security is to pay benefits to individuals who have worked and reached the age of retirement. For this, the number is 40 credits, though there are exceptions made for those born before 1929. For survivor’s benefits, the amount depends on the age at which a person dies. Younger individuals need fewer credits than older ones, and a special program allows benefits for minor children and a dependent spouse when the person has earned at least six credits in the previous three years.

Applying for Disability Benefits
For disability benefits, the rules are slightly more complex. The number of credits required is also organized by age. Persons younger than age 24 need only six credits earned in the preceding three years. Persons between age 24 and 31 must have credit equivalent to working half of the years between age 21 and your age at the onset of disability. For anyone over the age of 31, the requirement increases from 20 to 40 as you age.

Planning for retirement and navigating the application for disability benefits is a complex process. However, the Social Security Administration has provided a resource to help with this. If you have been disabled and can no longer work, you have options. Although this process can be navigated alone, a disability benefits attorney can provide legal advice. This is particularly helpful for individuals who have applied for benefits, but their claim was denied. Contact a qualified legal professional to guide you through the next steps for Baltimore Social Security

Oct 17th, 2014

Guide to Social Security Benefits in Baltimore

Fred London Law 0 Comments Uncategorized

For residents of Baltimore, Maryland and throughout the United States, Social Security benefits are a helpful but confusing topic. Many people are unsure about whether they qualify and how to submit an application. Hiring a disability benefits attorney can be a practical solution, and the person you hire can guide you through the process from application and appeals, to approval. He or she can answer questions you have, but a general understanding of the process is helpful.

Qualifying for Social Security Benefits
Social Security benefits are divided into two very similar programs. The first is Social Security Disability Insurance (SSDI), which is based on credits earned for employment. The second is Supplemental Security Income (SSI) and is based on financial need. For either program, the application must include the same information. An individual must first provide a medical cause, either mental or physical, for disability. This must affect his or her ability to work and earn income, either in the most recent field of work or another area. This medical information is provided by a physician. It must be presented in a neutral yet detailed format.

The Social Security Benefits Application Process
The initial application is fairly simple. It requires a large amount of personal information, including health and employment details. The key at this stage is to be thorough and provide as much supporting material as is available. Although this can be completed independently, some people choose to hire a disability benefits attorney to assist with the application. An attorney can help make sure the application is completed thoroughly, is accurate, and that all supporting documents are provided. The initial application may be granted or denied. Following a denial, the process can include a reconsideration appeal, a hearing, an appeal before the appeals council, and a federal court case.

Common Mistakes to Avoid
The majority of initial applications are denied. This biggest mistake someone can make at this stage is accepting that denial, but many people do just that. Pursing the claim through the reconsideration stage to the hearing significantly increases chances of success. This is often due to the case being fully developed, all medical evidence submitted, a pre-hearing brief written, and for the deciding judge to see the claimant in person. In some cases, the second biggest mistake is to submit a new application, rather than to appeal. In most cases, the result will be the same, as the same people will consider the application again.

Baltimore Social Security benefits that are available to the disabled are the same as those Social Security disability benefits in any other state. The application and appeals process can be lengthy and stressful, causing many disabled persons to simply give up. However, with the support of a qualified disability benefits attorney, the process can go smoother and the odds of success, particularly at the hearing level, increased.

Oct 9th, 2014

Knowing Your Rights: Disability Claims in Washington, D. C.

Fred London Law 0 Comments Uncategorized

When an individual is disabled and no longer able to earn an income, there are two federal programs available that may help. Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are available to any individual who meets the requirements. The former is for those who have worked for a certain number of years; the latter is based on financial need. For persons living in the United States capital, hiring a local disability attorney can guarantee that your initial application is completed correctly and increase the likelihood of receiving benefits in the event that appeals are necessary. Before filing a disability claim in Washington, D. C., be sure you know your rights.

Knowing Who Qualifies
To qualify for either program, an individual must prove that the requirements are met. This includes a combination of medical and vocational information. There is a detailed list of disabling impairments provided by the Social Security Administration, which includes a number of disabilities that may qualify an applicant for benefits, if they meet the listing criteria. Each listing is very specific and many individuals do not fit into the criteria of Social Security’s listing of impairments; however a Social Security disability claimant can still be approved for benefits. There are a number of other arguments to support a disability claim. The important part is how the impairment affects a person’s ability to work and perform everyday tasks. This impairment must be documented by a medical professional. In addition, it must also be determined that the physical or mental condition is such that the applicant could not work on a regular basis.

Knowing What Information to Provide
For SSDI, employment records are also important. Social Security taxes are taken out of each paycheck, and an individual earns credits for time worked. To receive benefits, a certain number of credits are required. For SSI, financial records must be presented. Applicants must have an income below the threshold and have less than $2,000 in assets. This number is $3,000 for a couple. Some assets, such as the home an applicant lives in, are not considered. Specific income limits are based on household size.

Knowing When to Hire a Disability Attorney
The application for both programs can be completed by anyone. However, you might choose to work with an attorney for your disability application to ensure that all information is correct and documentation is thorough. An attorney who specializes in disability will be more experienced with the type of detail required, which can speed up the process. Even if you choose to apply on your own, it is best to hire an attorney in the event that an appeal is necessary. Your attorney will gather evidence and represent you through the appeals process and at a hearing if necessary. A thoroughly experienced representative can make a difference in your chances of being approved for your disability claim in Washington, D.C. , particularly at the hearing level.

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Oct 6th, 2014

Hiring a Disability Attorney in Baltimore

Fred London Law 0 Comments Uncategorized

Becoming disabled comes with its own list of demands on your body and mind. If you are planning to apply for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), this can add to your burden in ways that may be more than you can handle alone. Fortunately, you do not need to endure this situation by yourself. A disability attorney can guide you through the complex legal process, help you if your initial claim is denied, and be a compassionate supporter who fights for your legal rights. When you hire a disability attorney in Baltimore, there are a few things that are helpful to know.

Introduction to SSDI and SSI
There are two federal programs that aid those who are disabled. Both provide cash benefits, but each has its own requirements. SSDI is based on employment. Payroll taxes are taken to cover Social Security. To qualify, an applicant must be under age 65 and have worked a certain amount of time. For SSI, the applicant must have a demonstrated financial need. Applicants to this program must have a limited income and minimal assets available.

Some individuals may qualify for both programs, but must meet individual requirements. In many cases, those who are receiving benefits from one program or the other may also qualify for other assistance programs. For example, disabled individuals who qualify for SSI may also receive Medicaid and food stamps.

The Legal Process
To qualify for either SSDI or SSI, one must submit an application. The wait time can be lengthy and the majority of claims are denied. However, if your initial application for Social Security is denied, there is more that can be done. First, an appeal is filed for reconsideration. If the appeal is denied, a second appeal can be filed to request a hearing. A hearing before the Administrative Law Judge is usually an applicant’s best opportunity to get approved. If the case is denied at the hearing level, the next step is to file an appeal with the Appeals Council, and if necessary, the federal court.

Each of these stages can take months, even years, bringing the total wait time to several years for some cases. It is important to be patient and not give up. Having an attorney represent you in these legal matters can help.

Choosing a Professional with Expertise
The legal system can be confusing and waiting on appeals, tedious. However, hiring a professional disability attorney in Baltimore can be a wise decision. He or she can make a difference in your claim, keeping you organized and ensuring all deadlines are met. A qualified Baltimore disability attorney will bring skill and experience to the table. He or she can answer all of your questions, help you complete the initial application, and work to ensure you receive the benefits that are due.