Mt. Holly, NJ Disability (SSDI) Lawyer
In America today, nearly 60 million people — 18% of the United States population — are living with some form of physical or mental disability. According to the New Jersey Department of Human Services, Division of Disability Services, roughly 1.75 million people in New Jersey are disabled. That means approximately 1 in 5 New Jerseyans are living with a disability.
When a disability is severe, it can limit or even destroy a person’s ability to maintain steady employment. Without regular income, life expenses like utility and grocery bills, medical expenses, and payments toward housing can rapidly accumulate beyond a manageable level. This can cause stress, anxiety, depression, and feelings of personal and financial insecurity.
Fortunately, there is help in the form of social security disability benefits. These are monthly payments from the SSA (Social Security Administration) to help disabled Americans maintain an improved quality of life. However, being approved for benefits is a very challenging task with a statistically high rate of denial. Young, Marr & Associates can help. To set up a free and private legal consultation with our Mt. Holly, New Jersey social security disability attorneys, call (609) 755-3115 in New Jersey or (215) 701-6519 in Pennsylvania today.
New Jersey Disability Claim Statistics
Disability benefits are granted to qualified New Jerseyans in the form of either SSI or SSDI. SSI stands for Supplemental Security Income, and is awarded based on financial need. SSDI stands for Social Security Disability Insurance, and is only awarded when the applicant has acquired enough social security work credits over years of employment. Both offer financial help to people living disabilities, and both are highly difficult to qualify for successfully.
The national average approval rate for social security disability benefits at the initial application stage is only 31.7%, meaning around 70% of applicants will be denied. In New Jersey, the approval rate is slightly better at around 43%, but that still means about 60% of New Jerseyans will be denied. While just over half of all disability claimants in New Jersey are denied after submitting their first application, approximately 86% are denied during the Reconsideration stage. But what is Reconsideration, and how does the application process for residents of Mt. Holly play out?
How to Apply for Benefits in New Jersey
For people who live in Mt. Holly, here is how the social security disability application process generally unfolds.
First, you must submit a claim for disability benefits, also called initial application. You may file a claim one of three ways:
- Over the phone.
- Over the internet.
- In person at an SSA office.
Your claim will be processed by SSA claims representatives, who will evaluate whether or not you qualify based on the information and evidence you supply. Review of your application can take anywhere from a month to several years for a claim to be processed, but most take about three to four months.
If your claim is approved, excellent: you can begin collecting benefits. However, if your claim is one of the many which are denied, the next step is requesting a Reconsideration Review from a DDS (Disability Determination Services) claims examiner.
If you are denied again during Reconsideration — which is highly likely, considering barely 14% of New Jerseyans are approved at this stage — the next step is to request a Hearing. You must request this Hearing within 60 days. The ALJ (Administrative Law Judge) who presides over the Hearing will either deliver a decision upon the Hearing’s conclusion or will send a written decision, usually several months later.
If the ALJ denies your claim, the next step is to request an Appeals Council Review. As with the Hearing, you have 60 days to make this request. As the name of this stage suggests, an Appeals Council will review your claim, and will render a decision of approval or denial, considering information from the ALJ from your Hearing.
If you are denied by the Appeals Council Review, the last stage of the disability approval process is to go to Federal District Court. At Federal District Court, your application will be evaluated by a Federal District Judge, who can issue an approval, a denial, or grant you another Hearing.
What Does the SSA Consider a Disability?
Unfortunately, many applicants for social security disability benefits in New Jersey will find themselves in this situation: they feel they are disabled, and their doctor supplies a professional opinion supporting this classification, yet the SSA does not consider them to be disabled.
There are many reasons this can happen. For example, the SSA may determine that your disability is not severe enough to prevent you from working steadily in some capacity, or that your disability is not among those included on the SSA’s acceptable conditions, otherwise known as the List of Impairments. What are some common disabilities included in the List of Impairments?
- Cystic Fibrosis
- Down Syndrome
- Heart Failure
- Organ Transplants
- Severe Joint Problems
These are just a few of the many conditions and disorders on the SSA’s Adult List of Impairments. For children, growth impairments and ADHD are also considered.
To arrange a free and private case evaluation with one of the experienced Mt. Holly, New Jersey social security disability lawyers at Young, Marr & Associates, call our law offices at (609) 755-3115 in New Jersey or (215) 701-6519 in Pennsylvania, 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.”