When you suffer an injury or other disability, you may have different types of benefits available. For example, if you’re injured on the job, you may receive workers’ compensation benefits. And, if you have coverage through your employer or a policy you purchased yourself, you may also have long-term disability (LTD) benefits. And, if your condition persists, you may qualify for Social Security disability benefits (SSDI).
SSDI benefits typically are not affected by long-term disability that you receive through your employer or through a private policy you purchased. However, your LTD policy will usually contain language that says your benefits will be reduced if you’re receiving certain other types of compensation, including SSDI benefits. If benefits aren’t carefully coordinated–and sometimes even when they are–receiving SSDI will result in an overpayment of LTD benefits. When that happens, the LTD carrier will be looking to get those extra payments back.
How Does LTD/SSDI Offset Work?
Long-term disability benefits are typically reduced by the amount of SSDI the beneficiary receives. For example, if the disabled person was entitled to $2,500/month in long-term disability benefits and received $1,000/month in SSDI, that $1,000 would be subtracted from the long-term disability benefits. The recipient would still get $2,500/month, but it would be $1,000 from Social Security and $1,500 from the LTD carrier.
If you receive both LTD and SSDI and you don’t report your SSDI income to the LTD carrier, you could end up with an overpayment that must be repaid. More commonly, though, the overpayment results from the difference in approval times for LTD and SSDI.
Both the waiting period and the typical processing time for LTD may be significantly shorter than those for SSDI. For example, if you apply for SSDI and LTD at the same time, you could start receiving LTD payments within two to three months. It may take a little longer than your carrier, but it will rarely take as long as SSDI.
SSDI approval typically takes several months, even if you are approved at the initial application stage. And, most people aren’t approved at the initial application stage. Depending on where you are in the country and how far you have to go in the Social Security disability appeals process, it could be two years or more before you receive benefits.
But, when you finally receive benefits, you’ll receive a lump sum payment covering all of the months back to when you first became eligible. That often means you’ve received both LTD and SSDI benefits for the same months, resulting in an overpayment–sometimes a large one. So, it’s important to notify your LTD carrier right away if you’re approved for SSDI and find out whether you have been overpaid and owe them a refund of some of those funds.
Coordination of Disability Benefits Can Be Complicated
The differing waiting periods, backdated payments, and other elements of the disability benefits process can be confusing. If you’re applying for SSDI and are receiving LTD benefits, your Social Security disability benefits advocate can help you understand how the two benefits work together to avoid unpleasant surprises. To learn more about our services, contact us here or call (800) 800-3332 right now.
Most people know that Social Security provides disability benefits for U.S. workers who become disabled before retirement age. But, many people have questions about the details, such as:
The applicant must have sufficient work credits to qualify (there is an exception for those who become disabled as children, who may qualify based on a parent’s work record)
The applicant must be unable to engage in substantial gainful activity due to a medical condition that will last at least a year or be terminal
How are Social Security Disability Benefits Calculated?
Social Security benefits are based on your average earnings across your working life. The Social Security Administration (SSA) provides calculators to help you determine how much you may qualify for in various types of benefits. However, you should be aware that certain other types of benefits, such as workers’ compensation benefits, may impact your Social Security Disability.
In 2023, the maximum possible SSDI benefit is $3,627/month. But, the average monthly benefit is less than half of that.
What Other Benefits are Associated with SSDI?
Dependent Benefits
Depending on your family circumstances, your dependents may be entitled to Social Security benefits if you are receiving SSDI. Generally, your spouse must be 62 or older or caring for your child who is under the age of 16 or disabled. These benefits may even be extended to a former spouse if you were married for at least 10 years, they are currently unmarried and they are 62 or older.
Your children may also be entitled to benefits if they are under 18, or are under 20 and still in high school. Under limited circumstances, grandchildren who are living with you may also be eligible for benefits.
Medical Benefits
After two years of receiving Social Security disability benefits, you will automatically become eligible for Medicare, regardless of your age.
How Long Do You Receive Disability Benefits?
For most people, SSDI benefits continue until the recipient reaches full retirement age. At that point, they are automatically transitioned to Social Security retirement benefits. However, Social Security disability benefits continue only as long as the disabling condition persists. For example, someone who received SSDI due to disabling cancer, but was successfully treated and recovered, would no longer be eligible after recovery.
Some recipients also voluntarily transition off of disability benefits through the Social Security Administration’s Ticket to Work program.
Get the Help You Need With SSDI
Of course, the most important thing about Social Security disability benefits is securing them as quickly and efficiently as possible. Many people wait to seek help until after they’ve been denied, but working with an experienced disability benefits advocate from the beginning can help ensure you submit the strongest application possible. To learn more about how Disability Help Group can help, contact us here or call (800) 800-3332 right now.
Understanding Your Social Security Disability Appeals Process
The Social Security disability appeals process includes several steps, each very different from the one before. It’s important that you understand the process and don’t miss opportunities, because most SSDI applications are initially denied. That means the appeals process is your best chance to get disability benefits awarded.
Take Full Advantage of Every Step in the SSDI Appeals Process
One mistake many people make during this process is to treat it as a cursory one, doing only the minimum to move the case along to the next stage of the process. Sometimes, that’s because applicants don’t fully understand the process or don’t know what type of new information would be helpful. This post provides an overview, but your best resource in the process is usually an experienced disability benefits advocate. You have a right to representation in the application and appeals process.
Request for Reconsideration of Your SSDI Denial
When your SSDI application is denied, you’ll have the opportunity to request reconsideration. This stage in the process is just what it sounds like–another decision-maker reviews your application as if it were a fresh application and makes a determination. This is usually the quickest step in the appeals process. It’s also the one with the lowest success rate. That’s partly because of the type of review, but it may also be partly because few applicants take full advantage of the opportunity to provide supplemental information for this review.
Administrative Law Judge (ALJ) Hearing
In the appeal process overseen by the Social Security Administration (SSA), the ALJ hearing is the most complex process, and also the one where a Social Security disability claim is most likely to be approved. This is your chance to interact with the decision-maker and provide more detailed information. You even have the opportunity to bring witnesses. If you are well-prepared and approach this hearing properly, it is your best chance for approval.
Council Review
If you are denied SSDI after the ALJ hearing, you can request review by the Appeals Council. However, the Council declines to review most cases.
U.S. District Court Review
If you’ve exhausted your options with the SSA, you can file a lawsuit in federal court. This is a complicated and time-consuming process compared with the other stages of the appeals process, and is best pursued with the assistance of a Social Security disability lawyer.
A Disability Benefits Advocate Can Help
The SSDI appeals process can be confusing and overwhelming, particularly when you may already be facing obstacles based on your disability. An experienced disability advocate can help ensure that you are presenting the strongest possible appeal. To learn more, contact us here or call (800) 800-3332 right now.
What You Need To Know About Your Disability Benefits Denial
One of the most common questions about Social Security disability benefits is “How long will the process take?” Since most SSDI applicants are denied at the initial application stage, answering that question requires an understanding of the appeals process and how long it takes to move through each stage.
Here’s a rough timeline for SSDI appeals.
The first step in the appeals process is to request reconsideration. This is by far the quickest step. The Social Security Administration (SSA) says it typically takes one to three months to get a ruling on your request for reconsideration. Note, though, that this represents actual time from filing the request to decision. You have 60 days from the denial of your application to request reconsideration. So, the actual time between receiving your denial notice and receiving a decision on your request for reconsideration of disability benefits could be one to five months, depending on how quickly you file. In some cases, it may take longer.
The SSA says it typically takes three to five months to receive a decision on your initial disability benefits application. Many applicants report that it actually takes a bit longer. So, depending on how long you take to request reconsideration and how long it takes to receive a response, you may get a ruling on your request for reconsideration at any time between six months from your original application date to 10 months or more.
The second step is a hearing before an administrative law judge (ALJ). Again, you have 60 days after receiving a decision on your request for reconsideration to request this hearing. The time between requesting this hearing and the hearing date ranges between several months and two years or more. And, that’s just how long you’ll wait for the hearing. A decision from the ALJ may arrive a few weeks or a few months after the hearing.
Depending on how quickly you request a hearing, where you live, and how long it takes the ALJ to make a decision, the time from denial on reconsideration and a determination from the ALJ could be about 10 months or more than two years. For most applicants, it will be more than a year. Add in the time it took to reach this stage and the ALJ decision may come between roughly 18 months and three years after the initial application.
The next step is to request review by the Appeals Council. Sometimes this step is quick, because the Appeals Council declines to review most cases. If the Appeals Council does take up your case, that process may take months or years.
If you get an unfavorable ruling from the Appeals Council or they decline to consider your case, the next step is to file suit in federal court. That is also a long and complicated process.
A Social Security Disability Benefits Advocate Can Help
Because the SSDI appeals process takes so long–and many applicants for disability benefits can’t afford to wait–it’s very important to present the strongest possible application and to take full advantage of the opportunity to present evidence at every stage of the appeal. So, the earlier you get knowledgeable guidance, the better. Contact us or call (800) 800-2009 to learn more about how our experienced disability advocates can help.
If you’ve been denied Social Security disability benefits, you’re in good company. Most people who apply for SSDI are denied at first. Fortunately, a great many of those who stick it out and pursue the appeals process are ultimately approved.
The question of how many times you can go through the appeals process is a bit misleading, as it seems to suggest that you can repeat the process. In fact, there are multiple opportunities within the process, but you only get one chance at each. Here’s how the process goes.
Social Security Disability Appeals Process:
When you’ve been denied SSDI benefits, you can take the following steps:
Request reconsideration – this is a review of your application and supporting documents by the same section that initially denied your claim. A different decision-maker makes the determination, and you can submit additional information.
Request a hearing before an administrative law judge (ALJ) – if your claim is still denied on reconsideration, you can request a hearing. This is a more fully-developed appeal, where you can present witnesses and additional medical information to the decision-maker.
Request review by the Appeals Council – if the ALJ finds against you, you may request Appeals Council review. However, a Council hearing isn’t guaranteed. Only a small percentage of requests are scheduled for a hearing.
File a petition in federal district court – once you’ve exhausted every administrative possibility, you can file a civil suit in federal district court. This is the final step for most applicants whose claims have not been approved at an earlier stage.
Appeal the federal district court’s decision – some applicants who lose in federal court can file an appeal. However, this process requires specific grounds, and this option isn’t available to everyone.
So, in short, there are five possible stages of appeal after an SSDI denial. However, the ALJ hearing has the highest approval rate. That means most applicants never reach the later stages.
An applicant who has been denied disability benefits can apply all over again. Whether or not that is a good idea depends on a variety of factors, including the reason for the denial, how far you got in the appeals process, how much time has passed, and whether there have been changes in your medical condition since you last submitted information to the SSA in connection with your disability claim. Generally, it is better to continue along the appeals process than to reapply, for a variety of reasons. So, it’s essential to talk to a Social Security disability advocate to determine the best avenue to take.
To learn more about how Disability Help Group can help you, contact us or call (800) 800-2009 right now.
Most Common Conditions that Qualify for Long-Term Disability Benefits
The Social Security Administration (SSA) provides only long-term disability benefits. That means that the disabling condition must either have lasted or be expected to last for at least one year or to be expected to end in death. SSA provides a listing of disabling conditions and the criteria someone suffering from those conditions must meet in order to qualify for Social Security disability (SSDI) in the Social Security Blue Book.
The Blue Book isn’t a complete listing of medical conditions that may qualify a person for SSDI, though. You may be eligible for disability benefits based on a combination of conditions. And, some conditions are far more common among SSDI recipients than others.
The Five Most Common Conditions Leading to SSDI Awards
According to the SSA, the most common conditions leading to a Social Security disability benefits award in 2021 were:
Musculoskeletal system and connective tissue disorders (36.2%)
Neoplasms, or abnormal masses of tissue, which may or may not be cancerous (12.6%)
Mental disorders (12.1%)
Circulatory system issues (10.9%)
Diseases of the nervous system and sense organs (9.4%)
Within each category, some disorders are far more common than others. For instance, though the Blue Book lists several mental disorders, depression, bipolar disorder and related conditions made up more than ⅓ of mental disorder awards in 2021.
Just 18.8% of disabled worker awards in 2021 fell outside the five categories listed above. This balance has shifted over time. For example, in 1996, just 20.6% of those receiving SSDI benefits were receiving benefits for musculoskeletal and connective tissue disorders. Across the next 25 years, that share increased from about ⅕ to more than ⅓.
What if My Condition Doesn’t Fall Into One of These Categories?
First, don’t worry! 18.8% seems like a small share for all other medical conditions, but in 2021 that 18.8% amounted to more than 100,000 disabled workers receiving new Social Security disability benefits awards. It’s also possible that your condition does fall into one of the most common categories and you just don’t recognize its technical classification. For example, before reading this post you may not have realized that cancer would be classified as “neoplasms.” Whether you are uncertain about qualifying for disability benefits or have applied for SSDI and been denied, Disability Help Group is here for you. To learn more about how we can help, call (800) 800-3332 right now, or fill out the contact form on this site.
