Friday, December 12, 2008



Getting a Social Security Disability Approval in under 3 months

In the last few months, I've noticed one or more articles on the web that have a title with some variation of "Learn how to get your social security disability approval in under 3 months. Guaranteed!"

First of all, let's just clear the air on stuff like this. There is no way to guarantee a social security disability or SSI disability approval at any step of the process, particularly, however, at the initial claim level where A) claimants do not interact in any substantial manner with the disability decision maker and B) claimants do not have the responsibility of assembing the information for their case presentation (At the disability application and request for reconsideration levels, a disability examiner assembles all the information for a case, inluding information submitted at the time of application but also information gathered from medical treatment sources; at a hearing, this responsibility falls to the claimant and the claimant's representative).

Having said that, though, an applicant for disability benefits can maximize their chances of winning benefits early on in the process by doing the following:

1. Submitting a complete work history with dates of employment, job titles, and job descriptions.

2. Submitting a complete medical treatment history with names of facilities, names of doctors, all diagnosed conditions, dates of treatment, and (this will help when it comes time for the disability examiner to generate medical record requests) addresses of doctors, clinics, and hospitals.

3. Responding quickly to all correspondence and contacts made by either the social security office where the application for disability was filed, or by the state disability processing agency where the case is being worked on by a disability examiner (usually known as DDS, or disability determination services, or some variation of this name, depending on the state in which you live).

4. Going to any scheduled medical exams or mental evaluations.

Failing to do any of these things will simply slow things down on the processing of a disability claim. And it can potentially make it less likely for a claimant to be given an approval on a claim.

How is this? Disability cases are given an approval on the basis of medical evidence that substantiates a claimant's alleged functional limitations, functional limitations that are severe enough to eliminate the ability to work and earn a substantial gainful living for at least a year. If a disability examiner does not have access to all of a claimant's records...then the case may not receive the consideration it deserves. After all, a disability examiner cannot form a proper opinion if he or she does not have all the medical records in place---and it can be impossible to get all the medical records together if a claimant fails to list all their medical treatment sources on an application.

However, even when all the treatment sources are listed, it can sometimes be difficult to get all the records together if addresses are missing, are incorrect, or the hospital or doctor's office is listed incorrectly (examiner's typically rely on a database that lists medical providers and the ability to locate a medical provider in the database will be hampered if the clinic or hospital is named incorrectly by the claimant).

Can you receive a social security disability approval in under three months? Yes, and a fair percentage of claimants do. Roughly a third of all disability applications are approved at the initial claim level and a large percentage of these are approved in 90 days or less. On the flip side, however, the reality is that seventy percent of applications are denied, forcing claimants to file a disability appeal.




Return to the Social Security Disability SSI Benefits Blog




Other Posts

Appeal Your Disability Determination From Social Security
Getting a Social Security Disability Appeal submitted on time
How does Social Security decide Disability cases?
Reconsideration Appeal - what makes it different from the Disability Application
I was denied the second time for Social Security Disability

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4 Comments:

Blogger Tamara said...

Hello, I have a question for you. This January 2009, my father is going to be helping me financially in the amount of $750/mo. He received a large insurance settlement from my Mothers death and he wants to help me out. I am on SSI, when I report the unearned income, do my payments just stop and I go into an ineligible status? You seem so knowlegable, I wish there was a way I could ask you some questions?

4:30 PM  
Blogger Disability Blogger said...

Tamara, I am a former disability examiner and this type of question needed to be referred not to a disability examiner but to a social security field office CR (claims rep). So I did just that and here's the answer I was given to pass on to you:

"I understand that you are concerned about your SSI benefit being stopped if you take seven hundred and fifty dollars a month from your father. This is a valid concern due to the income and resource limits of the SSI disability program. In answer to your question, if you take the seven hundred and fifty dollars from your father (meaning you have it in your hands) it will be counted as unearned income. This amount of unearned income will stop your SSI disability benefit, and even more concerning is the fact that your SSI benefit will terminate twelve months after it was originally stopped. What does this mean to you? It means you would have to go through the whole disability process and be approved again to receive SSI disability benefits, and there is a possibility you would lose your Medicaid coverage as well. Now how can you get around some of this? If your father pays your bills directly, Social Security will only count a portion of the money spent on bills as an offset to your SSI benefit. The offset would be two hundred and twelve
dollars or less, even if he spent the entire seven hundred and fifty dollars on your bills each month. Additionally, you would be able to receive a portion of your SSI disability benefit and maintain your eligibility for Medicaid.

6:56 PM  
Blogger james said...

I know a person who has been on disability over 20 years, she received a large settlement used the money to buy land and build a house. She has been collecting SSI. Is this legal?

10:27 AM  
Blogger Disability Blogger said...

James, I responded here: Can you Buy a House if you are Collecting SSI Disability?

9:13 AM  

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