Sep 26th, 2017

The Benefits of Social Security Disability Insurance

Fred London Law 0 Comments Social Security Disability

Social Security Disability Insurance (SSDI) is commonly the type of benefits someone seeks if they need financial assistance to make up for lost income caused by an inability to continue working due to a severe injury or illness. Since most people do not think about disability benefits before they need them, they do not know much about them. Here is some basic helpful information about SSDI benefits.

Social Security Disability Claim Concept

What is SSDI?

SSDI is a program that is designed to help people who have paid into the Social Security system through their payroll taxes. If you become disabled, you can apply for benefits and if a judge determines that you are disabled to the point where work is impossible, you can receive benefits.. If you have limited income, you can apply for SSI benefits, which is a need-based program.

Eligibility

To qualify for SSDI benefits, you need to have earned enough work credits. You can earn up to four credits per year by working at a job that takes out Social Security taxes. The number of work credits you need is dependent on your age.

Medical Eligibility

Not only do you need to have worked a specified length of time, you also need to be medically eligible to receive SSDI benefits. Your condition must be severe enough that it interferes with work-related activities. If you are able to work at all, you must not earn more than $1,170 per month, or $1,950 if you are blind. It must also be expected to last for at least one full year.

Getting Approved for SSDI

You cannot get approval for SSDI until you have been disabled for at least five months. If you are approved immediately, you still cannot begin receiving checks until five months have passed. In most cases, it takes at least six months, and sometimes longer, for an application to be approved. So, once your approval comes through, not only will you start receiving checks, you will also be eligible for backpay for the months you were waiting for approval.

Getting Denied for Benefits

If your initial application is denied, you can file an appeal of the decision. If you choose to do so, you must do so within 60 days of the receipt of your denial letter. You will need to make a Request for Reconsideration, which will be reviewed by an examiner. If your application is still denied, you can take it to a higher level by requesting a hearing with an administrative law judge.

If you have questions regarding applying for SSDI, contact Fred London Law today.

Sep 22nd, 2017

How to Apply for Disability Benefits

Fred London Law 0 Comments Uncategorized

When you need to apply for Social Security disability benefits, it’s important to understand the process. There are a few different manners in which to complete your disability application. It can be done online, in person or over the phone. No matter which way you apply, you need to have certain information and documents in order to increase your approval rate.

disability benefits

How do you qualify for Social Security disability benefits?

- You need to be at least 18 years old in order to apply.

- The condition you suffer from must be considered severe. This means that it needs to either be expected to endure for at least 12 months or ultimately cause death.

- You can’t already be receiving Social Security benefits on your record.

Different ways to complete a disability application

- Call 1-800-772-1213 to make an appointment for either an in person appointment or to make a phone appointment to complete your disability application.

- If you want to complete your application online, you could consult this Adult Disability Checklist. This will help you prepare for filling out your application and alert you to what information you will need to have ready. You can then complete the Disability Benefit Application. You will also need to fill out the Medical Release form. Applying online is the most convenient because you can start it immediately and whenever you have time. You can also complete it in sections rather than having to do it all at once if you don’t have the time to work through it all.

You will need to provide the following information:

- You need to have your birth information as well as your Social Security number ready to give. If you have a spouse or children, you will also need to provide information about them as well.

- You will need to provide information about your medical condition. This includes documentation about your official diagnosis, tests, treatments and doctor’s visits. The more information you have here, the more it will help you prove your case.

- You will also need to provide information about your work and why you can no longer perform a job.

You will need the following documents:

- Proof of birth and citizenship.

- W-2 forms and pay stubs.

- Medical evidence.

You may still have questions about completing your disability application. Please contact us and we can help you through the process!

Sep 1st, 2017

Applying for Long-Term Medicaid

Fred London Law 0 Comments Social Security Disability

Medicaid is a term given to several different programs designed to provide medical coverage for those who have a financial need. One type of medicaid is Long-Term Medicaid, which is intended specifically for seniors or those suffering from chronic illnesses or disabilities who require more intensive care. Because long-term Medicaid is a more cost-intensive program, not everyone is automatically eligible for these services.

long term care medicaid application

What is Long-Term Medicaid?

As stated above long-term Medicaid is a funded program that is designed to assist those who are suffering from chronic conditions, such as a life-long disability, illness or advanced age. In these situations, the patient requires more intensive care — in many cases even equalling those services you might expect to find in an assisted living facility.

These services might include medical care, but they can also include activities of daily living, such as bathing, dressing and using the restroom. These services might be provide at home or in some sort of community facility.

Who Qualifies for Long-Term Medicaid?

Because of the financial resources needed, qualifying for long-term Medicaid is not always easy. In short, it is necessary to prove that you have both a medical need for such long-term and intensive care, and a financial need that can not meet the costs of these services.

However, this can be a bit tricky, because there is not a specific set of guidelines for who qualifies financially and medically, and each state has been left free to set its own standards. In short, though, if you suffer from a condition which requires ongoing skill, are unable to care for yourself and are limited in terms of your income and assets, then you have a chance to qualify for long-term care.

How Do I Apply for Long-Term Medicaid?

Since long-term Medicaid is run by individual states, you will have to consult your state’s guidelines for specifics. Most states allow you to fill out a long-term Medicaid application online, but this application is only the first part. In addition, you will have to submit documentation that shows the extent of your injuries and disabilities, as well as gives a prognosis as to your long-term chances. You will also need to submit financial documents to make your income and assets known to the state.

If you would like to know more, or would like help with your online Medicaid application, don’t hesitate to contact us today.