Bala Cynwyd, PA Disability (SSDI) Lawyer
While many of us look forward to retiring one day, it is likely safe to say that few people want to be forced into retirement prematurely due to illness or injury. However, unfortunately, statistics provided by the Social Security Administration calculate that approximately 30-percent, nearly 1 in 3, of workers who are currently 20 years old will become disabled at some point during their career. In recognition of the fact that even hard-working people can sometimes have a run of extremely bad luck, Congress has passed programs to help workers who become unable to continue working.
Working with an experienced Social Security benefits attorney can help you understand a process that is often complex and highly technical. Furthermore, relying on the experience of a seasoned Social Security attorney can give you peace of mind knowing that your application is being handled professionally.
What Types of Social Security Benefits Exist?
Unfortunately suffering a severe illness or injury that limits the things you are able to do does not make your bills and obligations stop. All too often people delay taking action and find themselves in a precarious financial position. However, it does not have to be that way. The Social Security Administration administers two distinct benefits programs. These programs are:
- Social Security Disability (SSD)
- Supplemental Security Income (SSI)
SSD is an insurance program for workers, however, SSI is not. What this means is that there is an additional work credit requirement to qualify for the SSD program. In general, the older a worker is at the time of disability, the greater the number of work credits he or she will need to qualify. Another difference between the programs is that the SSD program is funded by its own payroll deductions. In contrast, the SSI program is funded from the general tax fund.
How Will the Social Security Administration Evaluate My Claim?
Although some people do handle their own disability claim, such a decision cannot be recommended. A Social Security disability attorney who understands the process and requirements can help your chances of a favorable determination. Furthermore, their experience with the process can help to anticipate problems with the claim and correct them through appropriate measures. The 5-step process your claim will be analyzed through is:
- Is there Substantial Gainful Activity? SGA is the work or other activities that you are able to do to gain income. SGA typically includes work that is mentally or physically taxing in some way. If your SGA exceeds the maximum amount, as defined by the SSA, you will be ineligible for benefits.
- Is your impairment considered severe? You must have an impairment that is considered severe by the SSA. A severe impairment limits the things that you are able to do.
- Is your condition listed? The SSA has listed a number of conditions that it considers to be so severe that they automatically qualify. Even if your condition is not listed, you can still satisfy this requirement if you can prove the condition is medically equivalent.
- What is your residual functional capacity (RFC)? RFC is the things that you are still able to do despite your severe impairment. If your RFC is considered to be too limited for the work you previously performed, you proceed to the next step.
- Can you perform other work? With your education, experience, age, and training in mind, the SSA then determines if alternate employment is available in your region.
To schedule a consultation with an experienced social security disability benefits attorney, contact Young, Marr & Associates today by calling (609) 755-3115, or contact us online.
ALL CASES ARE OVERSEEN BY FORMER SOCIAL SECURITY LEGAL REPRESENTATIVES
Before coming to Young, Marr & Associates, our SSD attorneys worked for the SSA which gives us an advantage over attorneys who have never dealt directly with the internal SSA system. We know the process is difficult – your job is to get better, and our job is to make sure you get the disability you deserve.
Chances are you are preoccupied dealing with a painful illness. You are concerned about your financial future, about how you will get by without a steady source of income.
Read what our clients have to say about us.
“I have already recommended Paul Young numerous times. He was honest, explained endlessly in terms that were understandable. Paul Young guided me through the process from beginning consultation to the end of case. Highly satisfied and grateful for his expertise.”