Tuesday, December 29, 2009



If you Make $35,000 per Year, You are in the top Half of Taxpayers

Someone sent me the link to this article and I think they did because they found the information as enlightening and stunning as I did. I've included a link to the article which appears on Yahoo finance, but here is a synopsis of the major points that struck me:

1. In 2008, fifty million individuals in what is arguably the richest country on earth (and it may continue to get more "arguable" over time as economic winds shift and the wealth decks get reshuffled)...struggled to get enough to eat.

2. Forty million Americans, at the end of 2009, were living in poverty. How is poverty defined? If you are single and make less than a thousand dollars a month, you're there (in the Raleigh NC area, just try to get an apt of any kind for under $700).

Now, here's the big one:

3. Those with an income of just slightly under thirty-three thousand dollars a dollar are in the top half of income-earners. That's very sobering.

Statistics like this make me wonder just how unrealistic the media portrayal of American life really is. I mean, think about it. You walk into Best Buy and the only televisions are LCDs, Plasmas, and LEDs, all costing a hefty premium. You watch networks like HGTV and see people routinely throwing gobs of money into ridiculous home makeovers (some may disagree, but redoing 1200 square foot at a cost of a couple hundred thousand would strike most as completely insane). And, then, there's cars. The cost for many mid-range vehicles these days (Honda Accord, Nissan Altima, Chevy Malibu) is not too far off from what a mortgage on a small brick ranch home cost in the early 70's.

Of course, it's natural to want a nice car, a nice tv, a nice house. That's normal and ordinary. But when half the country makes less than 33 thousand a year, you have to wonder how any of us can afford to have anything, considering what things cost today. You also have to wonder how healthy, or unhealthy it is, for us to be continually bombarded with messages that tell us that we constantly...have to have.

Link to the article: How Your Income Stacks Up





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Other Posts

What are Social Security disability representatives?
How do you Pick a Social Security Disability Representative?
How much can I earn and still receive Disability benefits ?
Qualifying for Disability - How difficult are the Qualifications ?
Back Surgery Should Be Last Resort Treatment for Back Pain
Social Security Disability, Disc Herniation, Nerve Root Impingement, and Stenosis among others



Can you Buy a House if you are Collecting SSI Disability?

Comments from James:

"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?"


James, disability benefits that are awarded under either the social security disability or SSI disability program are meant to compensate for the fact that a recipient is no longer able to engage in work activity (past work or other work) at a substantial and gainful level. Obviously, if an individual could work and earn at least the SGA amount for a given year, they would be using that money to provide for their food and shelter needs.

Your question seems to be focusing on the fact that the individual received a large back pay amount. Back payments are simply awarded based on when a person filed for disability benefits, when their medical onset was established (EOD, or established onset of disability), and, then, how long their claim dragged on as a result of case processing and, most likely, multiple appeals. The process of attempting to win disability benefits can easily take years. In this case, of course, if it is purely SSI disability only, there would be no other considerations such as the five month waiting period, or the two year waiting period for medicare (SSI recipients receive medicaid not medicare).

Now, how this individual chooses to use their back payment money may turn out be no different from how they use their monthly ongoing benefits. And, if their back pay amount is large enough, some might consider it wholly prudent to put the money toward securing a permanent residence.

Would real property count against an SSI disability recipient since SSI bars recipients from having more than $2000 in assets. Not in this case, if the property will be the primary residence of the individual. That would also be true for the recipient's primary automobile as well.

Everyone once in a while I come across a question like this and I have to wonder if the submitter really believes that a person on disability should not be allowed to own a home. In this case, what should the individual be compelled to do according to the opinions of others? Rent an apartment instead of own?

If the back pay is enough to secure a home of some type (which, for all I know, could be manufactured housing on a very small plot of land), would it not make more sense to buy? It would certainly be a way of avoiding rent, which, in many people's eyes, is just throwing money away on something you never own or have principal rights to.





Additional information on Social Security Disability at www.ssdrc.com

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Other Posts

What are Social Security disability representatives?
How do you Pick a Social Security Disability Representative?
How much can I earn and still receive Disability benefits ?
Qualifying for Disability - How difficult are the Qualifications ?
Back Surgery Should Be Last Resort Treatment for Back Pain
Social Security Disability, Disc Herniation, Nerve Root Impingement, and Stenosis among others
When You Apply For Social Security Disability Do You Get Back Pay Benefits For the Five- Month Waiting Period?
Disability and Medicare
Social Security Disability & the two year waiting period for Medicare Benefits
The 24 month Waiting Period and Social Security Disability

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Monday, December 28, 2009



Controlling Genes to Fight Brain Cancer

I've come across so many people in recent years who have had inoperable brain tumors that were fatal. The individuals I've known, or have become aware of through others, were relatively young and had limited life expectancy following their diagnosis. For this reason, whenever I read articles like this one on BBC, I'm fairly excited.

According to the article, scientists at Columbia have pinpointed genes that seem to be implicated in making at least one form of brain cancer so virulent and lethal. In fact, sixty percent of glioblastoma multiforme patients show these genes as active. For those who had the active genes, and were part of the study, life expectancy was one hundred and forty weeks after being diagnosed.

According to lead researcher, Dr Antonio Iavarone, these two genes are master switches that, when activated at the same time, cause hundreds of other genes to contribute to cancerous growth. He states that suppressing both genes with a combination of drugs may yield a powerful treatment approach. From the article: "When the researchers silenced both genes in human glioblastoma cells, it completely blocked their ability to form tumours when injected in a mouse."

Scientists have discovered two genes that appear responsible for one of the most aggressive forms of brain cancer


Other Recent Cancer News

Scientists have learned that certain proteins have a pivotal function in fixing damage to DNA that can lead to cancer

From the article: ""Discovering that these limpet-like proteins play such an important role in repair may provide new opportunities to stop cancer from growing.""





Additional information on Social Security Disability at www.ssdrc.com

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Denial of Disability, Pain, and Medical Records
Complex Regional Pain Syndrome Difficult to Diagnose, Treat
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Social Security Disability, Back Fusion and Pain
How to Prevent Long-Term Disability From Back Injuries
Social Security Disability and Back conditions

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Social Security Disability Overpayment Issue, Request for Hearing

Comment from JC:

"My husband is dealing with a overpayment issue. My question is we filed the request for reconsideration,the appeals, and a request for a hearing. We have not received any kind of response to the request for a hearing, which was sent over 6 months ago. We keep getting letters requesting full payment but the amount keeps changing. We also asked to make payment arrangements because we can't pay the amounts they are asking. Can we refile for a request for a hearing?"


JC,

There should be no need to file a new hearing request. Most Social Security hearings offices are overloaded with hearing requests and it takes time to get a hearing scheduled. So the only suggestion I can give with regard to your husband's hearing's request is to be patient.

However, if I were your husband I would go to my local office and ask to make a payment arrangement. Although Social Security would like to have overpayments repaid within a thirty-six month period they are willing to lower the repayment amount if an individual can show that they do not have the income or resources to pay the amount needed for a thirty- six month repayment.

Your husband should take proof of your monthly expenditures, income, and financial resources, so that a lower repayment amount can be established.Your husband may win his appeal before an administrative law judge; if he does the amount of the overpayment might be wiped out or reduced.

If your husband is still receiving disability benefits it is important to work out a small payment arrangement while he waits on a hearing because Social Security can started withholding his entire disability benefit to recoup the overpayment.

Frankly, it is just as important for him to work out a payment arrangement even if he is no longer receiving disability benefits while he waits on his hearing because Social Security reports non repayment of overpayments to the credit bureau.

I hope this helps and good luck.





Additional information on Social Security Disability at www.ssdrc.com

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Other Posts

Chronic Pain Increases Suicide
Complex Region Pain Syndrome and Changes in the Brain
Social Security Disability Hearing Decisions
Filing For Disability On the Basis of Back Pain
Back pain - A first person perspective
Filing for Disability with Fibromyalgia - it has its own problems

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Social Security Disability Overpayment Notice

Comments from Jonathan:

"Hello, can you please tell me what happens if you receive an overpayment notice from when you were a child? My fiance received an overpayment notice of $20,000 from back when she was a child (her mother was pulling benefits and made too much), and as a result has been paying back $10 a month as she awaits her hearing with her administrative law judge. She has her hearing on February and she is getting a bit nervous because she was a child and was not at fault, and $20,000 is a lot of money (it's over $500 per month if repaid within the 36 month time frame that they prefer!). Please help."


Jonathan,

The answer to this question is fairly simple. Your fiance should go to her local Social Security office and file a waiver based upon the fact that this overpayment was created by her mother when she was a child. I am guessing that her mother was also her representative payee during that time.

In the end, her mother is responsible for all overpayments on her record including her child's or children's overpayment. Even if her mother was not her representative payee, your fiance had nothing to do with creating the overpayment nor did she control any of the spending of the benefit.

So I would say it is for your fiance to file her own waiver, so that Social Security will attach the overpayment to the person responsible for creating the overpayment in the first place.





Additional information on Social Security Disability at www.disabilitysecrets.com

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Other Posts

How to get Approved for Disability Benefits - Information on disability claims
Get a Good Disability Attorney or Disability Representative
The disability determination process is typically slow
Can you qualify for social security disability with fibromyalgia?

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Sunday, December 27, 2009



Should States be able to Furlough Disability Examiners?

I think I've written for years about the fact that the social security administration is understaffed. Though the focus of many reports on the dysfunctionality of the social security disability system is on the hearings backlogs, to me it was a no-brainer that an agency faced with continually growing demands on the existing workforce (more retirement claims, more disability claims, and more cases to review) and zero increases in the size of the workforce was a recipe for a meltdown.

Well, according to the current commissioner of the social security administration, 8300 employees have been added to the workforce. How many of those are field office positions (field offices are where people file their claims, make visits to, and also call to get answers to their questions), I have no idea. However, the fact that the human resources element is being addressed indicates a little positive movement.

In testimony given to the subcommittee on social security, the commissioner warned that any attempts to fix the social security disability logjam are threatened by state-level funding cuts.

The social security disability system is a federal one, right? Yes, but the disability examiners who actually process social security disability and SSI disability claims at the initial claim and reconsideraton appeals levels are state employees...even though the money that pays their salaries comes from the federal government.

Without question, this is a goofed-up system. And this is made glaringly obvious when state governments, in their scramble to come up with dollars, can furlough disability examiners who A) work on federal disability claims and B) derive their salaries through funding provided by the federal government.

Really, it should be illegal for any state government to furlough disability examiners. For one thing, not only does it slow the social security disability, SSI system down even more (and it is undeniable that people go bankrupt and lose their homes and savings because of how very slow the system moves), it also effectively allows state governments to steal monies that were never intended to be used as a device to make up for their fiscal shortcomings.






Additional information on Social Security Disability at www.ssdrc.com

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Disability appeal
SSD Benefit Requirements and Work Credits
What do Doctors Know about Social Security Disability?
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Thoughts on how to get Social Security Benefits if You are Disabled
Will my doctor charge me for a letter or statement to help my disability claim?
Will I Qualify for Social Security Disability?
Social security disability appeal deadlines

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Thursday, December 24, 2009



Can you Get Disability if you can do Some Normal Daily Activities?

Comments from Paul:

"I certainly would never accuse any of the bloggers here of their legitimate claims or needs to receive benefits, but this system is also very susceptable to fraudulent claims. My ex-wife works out at the gym, teaches art as a volunteer, is a leader in a girl scout troop among other activities yet she has successfully recieved benefits for 15 years. because she knows how to use the system that most of you all need to survive. The difficulties in obtaining SSDI benefits are certainly in place to prevent frauds from abusing the system. Good luck to all of you who are truly deserving of your benefits."

Hi Paul. I don't know anything about your ex-wife's situation other than what you have mentioned. I will say, however, that eligibility for disability benefits is based on reduced functional capacity, reduced to the extent that the person can no longer engage in work activity at what is known as a substantial and gainful level (this is a dollar amount threshold that changes each year, but which most would agree is hardly enough to keep a roof over your head and feed you and pay utility bills).

There are many people who do what your ex-wife does: exercise and perform some level of volunteer work, yet receive disability benefits. That's because occasional volunteer work and occasional exercise does not correspond to the demands of having to show up at a job each and every day and perform prescribed work duties for 8 hours per day, 5 days per week, week-in, week-out, over the course of years.

The question, for federal disability benefits, is not whether someone is a complete invalid or lacks the ability to comprehend. I say that because, believe it or not, there are thousands of "rational" individuals out there who hold the notion that a person with a disabling condition should be this bad off, or worse, before filing for benefits (I'm sure that opinion changes when and if they themselves develop a disability that prevents them from working and earning a substantial, gainful income).

The question, for federal disability benefits, is whether or not a person is capable of sustaining paid competitive employment.

It's for this reason that the social security administration actually attempts to quantify the process in certain ways.

Yes, the Social security administration does look at the claimant's medical records to determine:

A) what their condition is,

B) how severe it is,

C) what the outlook is,

---However, since the decision process is medical and vocational in nature, it also looks at the claimant's past work history, age, education, and skills to determine:

1. Can the claimant return to one of the jobs contained within their past relevant work history?
2. Can the claimant transition to some form of other work?

Included in the process of determining this question (is the person capable of sustaining paid competitive employment?) are concepts such as unsuccessful work attempts, trial work months, expedited reinstatements, and extended periods of eligibility. All in all, the process is far more complicated and layered than most applicants for disability benefits could possibly imagine.

However, it all boils down this: becoming eligible for disability benefits (for those who are applying and for those who are currently receiving) has a lot do with measuring current work activity, past work activity, and the possibility of transitioning to other types of work.

Basically, the disability claim decision process means not just reading a claimant's medical record documentation, but attempting to measure their ability to engage in work activity, at a substantial and gainful level, either of the kind they've done before...or in types of work for which their vocational profile might suit them.

For this reason, as I've stated before, it's fairly important for a claimant to supply a detailed work history, complete with dates, job titles, and descriptions of work activities, along with a detailed history of medical treatment.

It may also benefit someone whose case will be appealed to review the prior decision that was made to determine if the first adjudicator (the disability examiner who handled the initial claim) did an accurate job of identifying the claimant's past work since this can have a definite impact on the decisional outcome of an SSD or SSI disability claim.







Additional information on Social Security Disability at www.ssdrc.com

Return to the Social Security Disability SSI Benefits Blog




Other Posts

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Total Disability - What does this mean for social security disability
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What is an Extended Period of Eligibility for Social Security Disability ?
Has Anyone Ever Won Their Social Security Disability Benefits While They Had A Job?
Social Security Disability, Social Phobia, Panic Attacks
What Forms Do You Use to File For Social Security Disability?

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Monday, December 21, 2009



Social Security Disability Denial Letter and Appeal

"I hired an attorney right-away with my initial application. 7.5 months after my initial claim, I was denied. I would now like to make sure my appeal gets filed as soon as possible, but my attorney has not returned my calls to let me know if they have filed my appeal. It has been a week since I received my denial letter. Is it normal for an attorney's office to take so long to file an appeal? Should I have them send me proof that they filed my appeal?"

Sheri,

I generally take the view that a disability appeal be filed as soon as possible following the receipt of a social security notice of denial. The reason, of course, is plain. Though the social security administration allows claimants 60 days in which to file an appeal, there's no reason to add any more days to the total processing time for a case than is absolutely necessary. After all, the longer a case drags on, the more precarious your financial situation may become.

How long it takes a disability attorney to file an appeal, and how they view the urgency of filing appeals, can vary substantially. I know one individual whose office seems to think that as long as the appeal is filed by the deadline date, everything is fine. Obviously, when it comes to preserving the best interests of a disability claimant, that sort of attitude is less than optimal. In the filing of appeals, my own preferred approach has been to do the appeal as soon as the notice of denial is received and to let no grass grow beneath it.

Is it normal for an attorney's office to take a week or more to do a disability appeal? I'm sure that it's not abnormal. Consider, however, that many disability representatives and disability attorneys have support staff perform such functions and that, oftentimes, these support staff members are juggling multiple tasks and quite a few clients. Therefore, simply to ensure that your own case receives the attention it deserves, it is never a bad idea to contact your representative's office to A) notify them that you have received a notice of denial (just in case they don't receive their copy) and B) to inquire as to when your appeal will be submitted.

In your case, you've already attempted to get the status of the filing of your appeal and have not received a call back. You may wish to leave another message stating that you need confirmation that they have received their copy of the denial notice and confirmation that the appeal has been filed or will be filed soon. If you do not get a call back and your attorney is local, you may wish to make a personal visit to your attorney's office. Unannounced drop-bys are not a favorite among many reps (disability representatives with larger caseloads can be fairly busy due to their hearings schedule, preparation for hearings, travel time to hearings, and so forth), but it may get you a quick answer as to the disposition of your appeal.

And, yes, your attorney or non-attorney representative should always send you confirmation that your appeal has been filed (typically a copy of what has been submitted to SSA for your own records).





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Should you File Your SSDI Disability Appeal Online?
SSDI and working -- or not working
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Social security disability appeal of denial
SSDI Continuing Disability Reviews
Social Security Disability, the VA, Mental Conditions, and Consultative Exams
Social Security Disability, Going back to Work, and Fraud

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Food Stamps: The New Food Stamp Economy

I came across a reuters article that I found particularly interesting, because it reflects how badly the U.S. economy currently is and where its trending, and also because, prior to becoming a medicaid caseworker and social security disability claims examiner, I was once a food stamp caseworker for a department of social services.

Here are the major points from the article:

1. 37 million people currently receive food stamps. This represents more than a one-third increase since the U.S. went into recession at the end of 2007.

2. Nearly 200,000 retailers now accept food stamps. That's seventeen percent more food retailers than just 2 years before.

3. In 2007 and 2008, more than 30 billion dollars in food stamps were redeemed. This year, however, the number will probably exceed fifty billion.

4. By 2010, it is expected that more than 60 billion will be spent annually in food stamp benefits.

5. The food stamp program is now known as the SNAP program: supplemental nutrition assistance program. I didn't know this, but the name makes sense. The idea behind the food stamp program is that it supplements an individual or a family's ability to obtain adequate nutrition, not provide for an entire grocery budget.

6. Average food stamp recipients exhaust their food stamp benefits within the first three days of issuance. That in itself is an indicator of how dire the situation is for the majority of recipients. In actual practice, food stamps are not used to supplement an existing grocery budget, but represent the majority of the budget, or the entire budget itself.

7. Despite the steady growth in the use of food stamp benefits, many individuals and families who would be eligible for benefits do not apply because they feel intimidated by the process of applying, or avoid applying due to a perception of stigma attached to such benefits. This phenomenon is not so different from the stigma many individuals have felt regarding an application for disability benefits.

8. One in eight Americans depends on food stamps to buy food.





Additional information on Social Security Disability at www.ssdrc.com

Return to the Social Security Disability SSI Benefits Blog




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Will Social Security Award Me Disability if I have not been to the Doctor?
Can you receive Medicaid even if your SSI disability is stopped?
Social Security Disability Re-evaluations a.k.a. reviews
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Disability Lawyers and Finding YOUR Disability Lawyer
How do you apply for Social Security Disability or SSI - How to file
Appeals for Social Security Disability - Disability Appeals Process

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Saturday, December 19, 2009



Hidradenitis Suppurative is commonly found in Women between puberty and 40

Here's a basic facts list regarding Hidradenitis suppurativa.

1) Hidradenitis suppurativa is a skin disease, characterized by inflammation that causes groups of red, painful abscesses or boils on the skin near the sweat glands and hair follicles. It is usually found near the groin, under the arms, under the breasts (for females), and the buttocks.

2) Hidrandenitis supprativa is known by many names, including Verneuils’s disease, Velpeau’s disease, Acne Inversa (AI), fox-den disease, acne conglobata, apocrine acne, and pyodermia fistulans sinifica.

3) It is most commonly found in women. It is usually present between puberty and the age of 40, though it does rarely affect children and can be present over age 40. The disease is not caused by bad hygiene or a bacterial infection and is not contagious.

4) Hidrandenitis supprativa seems to be caused by a variety of issues, from genetics and hormones, to stress, heat, cigarette smoking, and can even be caused by clothing friction. Being overweight does not cause the disease, but can make it more challenging.

4) The boils or lesions can be small like a pea, or they can be as large as a peach. No matter the size, they are very tender, sore and painful to touch. They may excrete pus, and can cause scarring.

5) There is no cure for the disease, and it can go into remission for months, or be present for years. It is not completely understood and is thought to be a dysfunction of the hair follicles or apocrine glands.

6) Treatment options include anti-inflammatory drugs to reduce swelling and pain, antibiotics for infection, oral retinoid medications and corticosteroids. If the case is severe sometimes surgical draining, local excision, lancing or laser surgery removal will be needed.

7) Severe cases can sometimes lead to tunnels forming underneath the skin between the abscesses (sinus tracts), usually requiring surgery.






Additional information on Social Security Disability at www.ssdrc.com

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Other Posts

Will Social Security Disability Consider my Work History?
Social Security Disability and Part Time Work
Trial Work Period for Social Security Disability
Social Security Disability SSI, Work, and the Unsuccessful Work Attempt
How Long Can a Person Receive Social Security Disability?
If I Get Social Security Disability Will They Cut Off My Benefits Later?
If I Receive SSD Benefits and I Begin To Work And Earn Below The SGA Limit, How Much Does Social Security Deduct From my Benefits?
Social Security Disability, End Stage Renal Disease, and Going Back to Work



Social Security Review Dates for Disability Claims

I recently spoke to a social security field office claims rep who indicated that there are changes occurring with regard to how often the social security administration reviews disability claims.

Here are the observations that were made by this individual. And before I list them, let me point out for those who are unaware, the social security administration reviews all disability claims that have been approved. How often a review of a disability claim is conducted depends on something known as a diary date. The diary date is basically the approximate time that a case is scheduled to be sent for review by a social security office to a disability examiner at a state DDS (disability determination services). The disability examiner, in reviewing the claim, will investigate whether or not medical improvement has taken place for the purpose of determining whether or not an individual is still eligible to receive disability benefits.

For those who are wondering about the likelihood of keeping one's disability benefits after a review has been conducted, the truth is that, statistically, the great majority of claimants have their disability continued following a review of their claim.

Now, here are those observations reported to me by one social security field office claims representative. Bear in mind, of course, that these observations may not be representative of all states, and the observations are from a single individual.

1) There seem to be fewer 3 year diaries being set for cases approved on the basis of mental retardation.

2) There seem to be more 7 year diaries being set for cases principally involving back conditions.

3) There seem to be fewer 1 year diaries being set in general.

4) There seem to be fewer short diaries being set for cases approved principally on the basis of mental impairments.

All of these, of course, are good trends. Why is this happening? The individual I spoke with was of the opinion that cases are being given longer diary dates because cases that are reviewed less frequently, and which are likely to be continued anyway (meaning that, after a review of their claim, these individuals would most likely be allowed to continue receiving their disability benefits), simply results in a lower workload demand for social security. In other words, it saves money.

To me, that makes sense. All cases are reviewed at some point to determine if a claimant should go on receiving their benefits. However, when it is likely that a person, based on their condition, will have their benefits continued, it really makes no sense to keep reviewing their claims so frequently. It just creates more work for a stressed workforce and it costs the agency, meaning the taxpayers, more money.





Additional information on Social Security Disability at www.ssdrc.com

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Disability appeal
Correct Steps for Filing a Social Security Disability Claim
Is the Earnings Limit for Social Security Disability Fair?
Appeals for Social Security Disability - Disability Appeals Process
Social Security Disability Claim Reviewed After Seven Years
Is there a short term Social Security Disability Benefit?
Can I Get Disability if I Have Not Worked Before?
Does Social Security disability have a Time Limit for Receiving Benefits?
Social security disability appeal deadlines

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Wednesday, December 16, 2009



Social Security Disability Problems

I recently read a press release that made some interesting points. The points were not new, but reference was made to congressional testimony given by the social security administration's inspector General. That's what made them interesting.

What did the inspector general's testimony refer to? The fact that there is an incredible disconnect between what happens to social security disability and SSI claims at the initial claim and reconsideration appeal levels (where cases are decided by DDS disability examiners) versus what happens to claims at the hearings level (where cases are decided by federal administrative law judges).

For those who aren't aware, the large majority of disability claims are denied by disability examiners, while the majority of cases pursued to the administrative law judge hearing level are approved.

Why does this this happen? Why do so many claims that are initially denied later approved by judges? Is it because medical conditions get so terribly worse over the course of two or more years (the time spent waiting to get to a hearing date)?

Actually, a lot of it has to do with external quality control that results in multi-level discouragement of disability claim approvals. Some of it also has to do with the fact that while the social security disability and SSI disability system is a federal one, the disability examiners who decide initial and reconsideration level claims are state employees, working at state agencies.

In other words, many many many state disability determination agencies across the country are processing disability claims for the social security administration.

"Too many cooks in the kitchen" usually makes for too many variations of even old and well-established recipes.

Now for the interesting part. Apparently, the SSA inspector general indicated that the current system--that takes in disability claims at federal social security offices, sees them processed at the first two levels by state-employed disability examiners, and later sees them heard by federal administrative law judges--wastes limited resources due to the fact that so many claims that have been denied by disability examiners are later approved by judges (I think its reasonable to assume that there's a lot of unnecessarily wasted time and duplicative effort, as well as a great waste of the precious financial resources of applicants).

The inference is: if a claim that was denied twice by a disability examiner (initial claim and reconsideration levels) is later approved by a judge, what was the point?

More specifically, what was the point of so needlessly wasting so much agency time and money, otherwise known as taxpayer dollars, in this fashion.

And, further, what was the point of forcing so many tens of thousands of individuals who were initially denied but were likely to get approved later at a hearinginto a needlessly drawn out wait often resulting in bankruptcy and home foreclosure?

Answer: there was no point. And there was probably no need. How do you fix this? Generally, grandiose plans to "fix" structural problems in the social security disability SSI system have tended to crash and burn. But, to many observers, such failures have occurred because SSA top management as well as members of Congress were somewhat clueless as to how the disability claim system actually works at the nuts and bolts, or ground, level.

In my opinion, federalizing the disability determination services agencies would go far toward fixing the system. How?

1. State governments that are strapped for cash would no longer be able to furlough disability examiners. This would be a change welcomed by many, particularly since the states receive their funding for disability examiner salaries from the federal government (making the furloughing of disability examiners tantamount to theft).

2. Adjudicative standards for disability claim processing could be enforced throughout the country. This seems to be sorely needed judging by the disparity in approval rates between various states.

3. Disability examiners could actually receive salaries commensurate to what they do. This would help combat the significant turnover in jobs that robs social security of an experienced initial claim adjudicator workforce. It would also raise the average age of examiners who, for the most part, tend to be younger individuals who have yet to experience significant pains or health problems (I would contend that this makes them less able to intuit and conceptualize some of the medical record documentation they evaluate, that and the fact that their training is, at best, thin).

4. Federalizing the individual state agencies would provide a path toward getting the decisional behavior of disability examiners more in line with the decisional behavior of administrative law judges. This, of course, would mean more approvals at the initial claim level, a decreased need for appeals, faster resolutions for appeals, and fewer instances of disability claimants becoming destitute due to a backlogged and slow system.

Why can't anybody in Congress ever figure this stuff out? Because they usually don't what their dealing with or talking about.





Additional information on Social Security Disability at www.ssdrc.com

Return to the Social Security Disability SSI Benefits Blog




Other Posts

Bipolar Disorder, Disability Benefits, Going Back to work and Disability Activists
Social Security Overpayment Situation
How many hours can you work if you are receiving social security disability?
Social Security Disability - Broken Bones, Fractures
Social Security Disability and Continuing to Work
Social Security Disability Decision Notice
What if you get Social Security Disability Benefits and you move to another state?
If you are on social security disability or SSI disability should you try to work?

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New Windows 7 Computer - Old with the Old, and in with some Old

Ok, so I got a new computer because my old one started doing some fairly strange things (I'm guessing that a power surge may have had something to do with the increasingly erratic behavior of my pc). And voila, I'm now a windows 7 user versus an XP user (I have vista on a laptop and hate it and for this reason alone I have avoided buying a new desktop before the debut of windows 7).

How do I like windows 7? It's not bad. Not bad at all. And compared to vista its miraculous, miraculous in the sense that microsoft didn't bowl another gutter ball.

But, though I like the new desktop, I've been spending a few hours to restore the feel of my xp computer and counter some of the shortcomings of a relatively virgin operating system.

1. I have attempted to view my start menu in classic windows mode to no avail. Even in XP, I preferred seeing things the way they looked on windows 98. Just a cleaner, less cluttered look. Apparently, windows 7 won't let you do that, though.

2. I have been fiddling with the monitor settings to come up with something that works well enough. I use a widescreen monitor and my older pc had a "rustic" graphics card. But I was used to it. Now, with the ramped-up graphics card my new pc has, I'm getting to utilize my widescreen much better. Can't say, however, I am entirely a fan of windows 7 themes. Of course, you can download new ones. But I wish the themes program didn't shuffle the wallpapers. What about just being able to pick a background for the desktop and keeping it? What's so novel about that idea?

3. Believe it or not, the wired mouse that came with my gateway is better than the wireless MS optical mouse. Even with the cord, this mouse provides very little resistance to the fingers.

4. The 64-bit version of Internet Explorer is something I will refrain from using and I will just use the 32-bit version. Why? Because not all adobe products support that browser yet. On the subject of browsers, I thought I would never use internet explorer again. But version 8 is pretty good and renders text in an easy-on-the-eyes kind of way. Surprisingly, IE8 is looking significantly better than Firefox. Could be that MS is tweaking windows 7 so that other browers will look like relative crap. Wouldn't be surprising. That's how they play ball, after all.

The good feeling I get from IE8 is even more surprising considering how unstable the IE8 beta was. I tried that for a grand total of 2 days before I was forced to ditch it. Only thing with using internet explorer is that I will have to do fairly routine spyware sweeps...still don't trust IE that much.

5. Font settings. Lots of adjusting font settings and icon default sizes to get it looking like something comfortable.

6. Now, the best thing about windows 7, of course, is that...it's not vista.




Additional information on Social Security Disability at www.ssdrc.com

Return to the Social Security Disability SSI Benefits Blog




Other Posts

Social security disability appeal of denial
Should you File Your SSDI Disability Appeal Online?
SSDI and working -- or not working
Social Security Disability Income - SSDI
Review of my SSDI Case
Appeals for Social Security Disability - Disability Appeals Process
Social security disability denied
Disability appeal

Saturday, December 12, 2009



Stage 4 Cancer, Work, and Social Security Disability Overpayment Waiver

The following situation is from Donny.

"Well for 10 years I have battled a Stage 4 Cancer and received disability. My last scans showed a remarkable increase in metastat5ic disease. Then I get a letter saying I was overpaid for the Year 2008. You see I have a wife who has severe Fibromyaglia and doesn't work and 2 elementary school kids and they receive SSI based on my disability. I also receive medicare. To survive I've dabbled in selling travel club packages online and for a while I did well until the company allowed the payplan to be manipulated and I was cut out of my commissions. So,I invested in a scam( thought it was legit) and lost everything. Now I am so broke I even had to accept energy assistance. Without our disability payments we will be homeless.

This payment covers the rent. Then last year I had surgery for another cancer(melanoma). I have been on the most powerful medications for the last 10 years straight and am totally disorganized and mentally down. Ignorance is no excuse but I honestly had no idea they could take my disability away."



Donny,

Work is a confusing issue for many Social Security disability recipients and many find themselves in your situation and much worse. This situation is most likely not as severe as you might think.

From the facts that you mentioned in your post, I assume that you were only overpaid for the year of 2008. This most likely means that your disability claim had a work review and Social Security found that they paid you some months of benefits they should not have due to your work activity. If so, it does not mean that you have had your disability benefits terminated or that you are no longer Medicare eligible.

I would hazard to guess that you now have an overpayment and that is what should be dealt with at this time. If you do indeed have an overpayment, you need to file a waiver so that Social Security will cease collection actions.

In order to file a waiver, you need to call or go by your local Social Security office to get a waiver form, then complete the form and provide proof of expenses. Social Security may decide in the end to deny the waiver; however you can work out an equitable payment arrangement. Sometimes the monthly repayment amount is just a few dollars a month and the payment arrangement will keep your benefits intact.

Additionally, you can still appeal your overpayment to an administrative law judge even if you have made a payment arrangement. If the ALJ decides in your favor, he or she may lower the amount of the overpayment or waive it entirely.

Overpayments can happen to anyone. The difference is how you handle the overpayment. You do not have to lose your disability benefits, or those of your children. If you are denied for your waiver, just make a small payment arrangement. Social Security would like it all to be paid in thirty six months, but they are willing to work with you if your income and resources do not allow you to make a payment that repays the overpayment in thirty six months.





Additional information on Social Security Disability at www.ssdrc.com

Return to the Social Security Disability SSI Benefits Blog




Other Posts

Social security disability appeal of denial
Should you File Your SSDI Disability Appeal Online?
SSDI and working -- or not working
Social Security Disability Income - SSDI
Review of my SSDI Case
Appeals for Social Security Disability - Disability Appeals Process
Social security disability denied
Disability appeal

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Understanding Learning Disabilities and Self Injury

Many people with learning disabilities are also known to self injure, whether by self hitting, self biting, self cutting, self scratching, overdosing, or hitting a hard object to hurt themselves, such as punching a hard wall. Unfortunately, oftentimes those who self injure and have learning disabilities are not given support to help them understand why they are self injuring, and instead most medical professionals over-look the problem and ignore it to concentrate solely on their learning disabilities.

The study was called ‘Hidden Pain? Self Injury and People with Learning Disabilities’, and involved twenty five people. All twenty five of the patients had learning disabilities, twenty were engaged in more than one type of self injury, and five were only involved in one type of self injury. The study was held by the Bristol Crisis Service for Women and the Norah Fry Research Centre, and involved interviewing the participants up to four times each over a three-year period to find out how they felt about self injuring, what their understandings of self injury were, and what they felt could help them.

The full report can be found online: http://www.bristol.ac.uk/norahfry/research/completed-projects/hiddenpainrep.pdf, and an easy-to-read summary can be found here: http://www.bristol.ac.uk/norahfry/research/completed-projects/accessiblesummary.pdf.

The report, based on the study, offers recommendations such as addressing the problem seriously, just as it would be addressed for a person without learning disabilities, striving to create peaceful conditions that give a person control and choice, being non-judgmental, and creating systems and support groups for those who have learning disabilities and self injure.

To address the study, four conferences were held in the United Kingdom during October and November in Edinburgh, Wrexham, North Ireland, and Bristol. The conferences were aimed at sharing their findings, exploring how to offer positive support, and developing more education and emotional communication for those with learning disabilities that self injure


Return to the homepage for the Social Security Disability SSI Benefits Blog



Other Posts

Disability appeal
Tips for Filling out a Social Security Disability Application
Should you File Your SSDI Disability Appeal Online?
SSDI and working -- or not working
Social Security Disability Income - SSDI
Review of my SSDI Case
Social security disability appeal of denial

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Thursday, December 10, 2009



Christmas Shopping, Gift Cards, and the Bookstore

The tree is up, lights are on, and Vince Guaraldi's "A Charlie Brown Christmas" is usually playing somewhere near. And this is the time of year that I seem to find myself in stores more often than I would like. This week, though, I combined personal shopping with gift searching. Regarding gifts, gift cards seem to work well, but I find that sometimes I give a gift card and I get a gift card. It sort of cancels out. Maybe crisscrossing xmas emails would work out just as well. Would save time, but where's the spirit in that? Personally, I'd rather give more personal gifts versus gift cards. However--so often what I think is a neat gift is really just someone else's new junk for the next yard sale. So, a gift card to what I know is someone's favorite store isn't such as bad idea I guess.

Christmas shopping took me to the mall. There, Barnes & Nobles couldn't find a book for me in their system. As the girl behind the counter searched, I found the book on mobile Amazon using my phone. She said excitedly "Oh, did you find it?". I handed her my phone so she could get the ISBN...so she could find that same book that was sitting somewhere in her store. Now, what does that say...about the future of brick and mortar bookstores? Nothing good I'm sure. I really hope places like Barnes and Nobles don't go under. Nothing like spending time in a bookstore.

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SSDI Continuing Disability Reviews

Here's a set of questions recently sent in by Dan. The response to this situation and set of questions follows immediately after.

"A little worried. Several back and spinal surgeries and can function ok with medication. Sometimes I even over due it and I cant do anything for days due to the pain levels. In other words, sometimes I may not appear to be disabled. But observers cant see how much pain Im in, or is being masked by pain medication. Ive been on SSDI for about 8 years I guess. Once I was able to I returned to college to be re-educated for work that would accommodate my disability. Last year I finally found a part time job. That lasted just over a year and I have not been able to find another one since then. I was in a lot of pain at times, but I pushed through it because I dont like being constricted to SSDI. That being said, I also dont want to be dropped from SSDI until I can find work that I am able to do with disabilities.

Then, recently I was called up for a review, and read how the Obama Administration has ordered a review of everyone on SSDI to " See how many can be dropped from SSDI to save the government money"

This scares the heck out of me. If they were just doing a review for reviews I wouldnt worry as I have been through those. But this is a Witch hunt to lower the expenses of the government. I guess so they can hand more over the wall street or pay for the war. I dont know. But when someone is looking for a reason , they can usually find one no matter what the circumstances.

What is the real story of the hunt to rid SSDI of the disabled so they can "save money" ?

I've also read, and have been told by the local police I know that SSDI hires private investigators who get bonuses for helping them get people off SSDI. The police I know said that they have arrested some PI's for breaking into SSDI receivers homes to find out if they are running an unreported business from their homes. Knowing a few PI's myself, I would not doubt this. But to pay bonuses only encourages this type of act, and screams that SSDI will do whatever they want to get the bottom line they want. They dont really care about us. Just the cash flow. Wow, I get a whole $750 a month. thats going to really help the budget out a lot aint it. I guess if they can dump a million of us, it really will.

I also read where the Supreme court says that someone is not considered disabled under the ADA if they can function fairly normal with the help of medication?? Is this the rule for SSDI qualifications now as well? Because as soon as people are dropped, they wont be able to function fairly normal without the money or support to get treatment and medication for their problem. I know I would be in so much pain without my medication I could not stand living. I know, I tried to wean myself off the medication as I dont like taking it. I could not endure the pain that I have without the medication to mask it. But, I guess if they do drop people like myself so they can say they cut the budget, they wont have to worry as many might end their own lives than live in such pain, so they would not be appealing or re-applying later on. It would be a win win for the Government and SSDI. Who apparently dont really care about anything but making the budget appear to look good.
So hold on to what you have, because it appears that you we are all on the chopping block for political and financial reasons.
"


Dan,

I am going to respond to some of the key elements of your comments, and hopefully clear up some of your concerns with regard to your disability benefit continuation.

Regarding the current administration ordering a general SSDI review of cases: to my knowledge the Obama Administration has not ordered a review of "everyone" on SSDI.

All disability cases come up for periodic reviews that generally occur about every three years, although there are some disability beneficiaries who receive seven year review diaries (individuals with impairments that are considered to be severe and permanent). Social Security has a difficult enough time just keeping up with the expense and manpower needed to process routine continuing disability reviews, and it is highly unlikely that Social Security would take on this kind of project at any time in the forseeable future.

Regarding the police and private investigators, I can tell you from my experience with Social Security that they absolutely do not hire private investigators to spy on disability claimants and they would never pay bonuses for this kind of thing.

Social Security only investigates reports of fraud, and these reports generally come from disgruntled friends, spouses, ex-spouses, family members, or neighbors. Even then, Social Security calls the individual and asks them to come to their local Social Security office to give their statement as to the legitimacy of the fraud report. Most of these reports involve allegations of work activity that is "under the table" or that someone is misusing benefits that belong to someone else. Very few of these referrals ever amount to anything concrete, but those that are genuinely fraud are given to the Social Security fraud unit for further investigation.

I think that your local police might be confusing Social Security disability recipients with individuals who are receiving workman's compensation benefits. Workman's compensation benefits are paid by insurance companies and from the stories I have heard these insurance companies do hire private investigators to follow individuals they feel are possibly receiving workman's compensation under false pretenses. Unfortunately, these insurance companies often think the ends justify the means, which means honest individuals have their privacy invaded and suffer mental duress because of these tactics.

Re: "I also read where the Supreme court says that someone is not considered disabled under the ADA if they can function fairly normal with the help of medication?? Is this the rule for SSDI qualifications now as well?

I am definitely not an expert on the ADA's definition of disability (it has nothing to do with the processing of SSDI or SSI claims) nor am I knowledgeable as to what particular Supreme Court ruling you are referring to (I am a non-attorney and a former disability examiner as well as a former medicaid caseworker).

There is no clear cut answer with regard to the second part of your question. SSDI rules and guidelines do consider compliance and response to medication when making disability determinations based upon certain conditions but not all conditions.

For instance, Social Security does consider medication compliance and response when evaluating asthma or attention deficit disorder. It just depends on what an individual's disabling condition is and what effect their medication has on their overall functional ability.

I hope that this clarifies some of your concerns about Social Security continuing disability reviews.





Additional information on Social Security Disability at www.ssdrc.com

Return to the Social Security Disability SSI Benefits Blog




Other Posts

Second Disability Appeal - What makes it different from the First?
What Does Social Security Consider To Be a Disability?
Application for Disability - applying for benefits
Disability Claim Denied
How to get Approved for Disability Benefits - Information on disability claims
Social Security Back Pay
Total Disability - What does this mean for social security disability
Disability appeal

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Monday, December 07, 2009



Social Security Disability, Waiting for Employment Records

"How about this? When one is approved for Disability over 2 months ago and calls SS to check in then is told they are "waiting for employment records" what exactly does that mean and how long can/does that take? I have received zero benefits because they are "waiting to hear back" (via fax/snail mail) from past/previous employers. (To get salary info from when/where I worked in the past perhaps as long as 5 or 10 years ago.) The Lady at SS on the phone was short-tempered, and told me she had no idea when she would hear back from employers and that I could try and get a hold of them (Yea, doubtful...)"


J.P.

When I read your post it brings to mind a couple of questions. How do you know that your disability claim was approved? Normally, disability applicants have received no decision if employment records are involved as you described.

The Social Security disability process involves evaluating an applicant's employment history to see if an applicant can return to any of their past work considering their limitations. If the disability examiner finds that the individual cannot go back to any of their previous work, the examiner has to consider if the applicant is able to perform other types of work with their limitations. It is all part of the disability sequential evaluation process. If an individual's residual functional capacity (what an individual can do in spite of their limitations) is so restrictive that it precludes past work and other work, they will be approved for disability.

Perhaps your disability has not yet been approved and they are waiting for some subsidy information from your former employers to see if they can give you an earlier onset of disability date, which could increase your back pay of disability benefits.

Or, if you were approved and worked after you filed for disability, they may be seeking information about that work in an effort to determine if you performed substantial work activity since your disability onset. If you have, there may be a possibility that your disability claim could be reopened to a denial for substantial work activity.

Frankly, there are so many scenarios that could be the answer to your question. The claims representative could have handled it better, but it is true that they do not know when employers will return information. If it takes too long, the representative or examiner will make their determination anyway.

I am not sure that I have answered anything for you. You could simply wait until you get a notice as to what they are going to do in your case. Or, you could call and ask the examiner or representative who is handling your disability claim what employers they need information from. If it is not hard to get the records, you may expedite the processing of your disability claim.

Without further specifics, I cannot say exactly why Social Security wants "employment records". And, there is, of course ,always the off chance that the person with whom you spoke is not familiar with your case and did not really know what was causing the hold up in your benefits.





Additional information on Social Security Disability at www.ssdrc.com

Return to the Social Security Disability SSI Benefits Blog




Other Posts

Filing for Disability
Filing for Social Security Disability SSI California
Social Security Disability Appeal - Tips on the Appeals Process
Do You Get Medicare Or Medicaid From Social Security Disability?
Anxiety and Panic before a Social Security Disability Medical Exam
Review of my SSDI Case
How many Social Security Disability and SSI cases get denied?

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Friday, December 04, 2009



Social Security Disability and Continuing to Work

The following situation and question is from Toolin66:

"My issue is that I found work and my job positions changed due to new diagnosis in addition to my original claim. I have continued to work and times the Doctor treating me took me off for complications related to new dx. I am in position that I make more than SGA and not really able to continue with the work schedule I currently have. Would your opinion be that this will be my denial, end of story even with RFC?"


Toolin66,

I am not sure I understand your post. Have you already filed a disability claim with Social Security? If you have filed for disability, were you denied, or are you in the appeal process? Since I don't know, I am going to answer this question as if you have not filed but are thinking about filing for disability with Social Security.

The Social Security Act states that individuals who are earning over the monthly established SGA amount can be denied if they allege no special considerations from their employer, or subsidy, even if they are working less than a full time work week or even if they are not performing the job that they usually perform.

Note: SGA, the substantial gainful activity amount, is an earnings cutoff limit. Also, in a subsidy situation, your work is not actually worth your pay and your employer is willing to verify that it is not.

In your case, I would say that an RFC will not help you with your disability claim as long as your earnings are over the SGA amount.

In fact, your disability claim would most likely be denied in the Social Security field office rather than at a state disability agency (i.e. at DDS, or disability determination services). In that case, no adjudicator (decision-maker on a disability claim) would ever see the RFC.

Social Security disability is a total disability program and that means that either A) your condition has limited you to the extent that you've been unable to work at the SGA level for 12 months, B) your condition can be expected to preclude work activity at the SGA level for 12 months, or C) your condition may result in death.

Remember, I have very limited details regarding your situation, therefore my answer might change if I knew whether you were in the disability process, have been denied in the past, or are thinking about filing now that you have a new condition.

However, I doubt it would change too much no matter what your condition is if you are still able to work over the SGA amount. It does not matter if your doctor has taken you out of work here and there: it only matters if you cannot perform a job at the SGA level due to the restrictions imposed upon you by your disabling condition or conditions.

I hope that this helps and good luck.





Additional information on Social Security Disability at www.ssdrc.com

Return to the Social Security Disability SSI Benefits Blog




Other Posts

Deciding to file for Social Security Disability
Review of my SSDI Case
Update on a Social Security Disability Application
Should you File Your SSDI Disability Appeal Online?
Social security disability application
Appeals for Social Security Disability - Disability Appeals Process
The social security disability process for disability claims
Denied for Disability - DDS Examiner versus DDS Supervisor
Doctors at DDS - The Social Security Disability SSI System

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