social security disability documents

What Documents Do I Need for Social Security Disability?

Applying for Social Security disability benefits is an involved process. The Social Security Administration will require extensive documentation in order for your claim to be effectively processed. Here, we will go into more depth about what documents you will likely be expected to produce as part of the Social Security disability application process. Remember, that thorough documentation is an integral part of seeing your claim succeed.

What Documents Do I Need for Social Security Disability?

It is all too common for a person to be denied Social Security disability benefits due to lack of documentation. In order to be granted Social Security disability benefits, the SSA will require extensive paperwork to be completed. This is true whether you plan to file your application via the telephone, in person, or online. The SSA will use the information provided on these forms and other supporting documentation in order to render a decision as to whether or not your application for benefits will be approved.

Documentation to provide to the SSA as part of your disability application will primarily relate to three things. They will require information about you. They will require information about your medical condition. They will require information about your work and your work history. Medical information and documentation is, of course, of central importance to any disability claim. You will need to be prepared to produce documentation regarding:

  • The terms of all of your medical conditions
  • The dates you were diagnosed with your condition(s)
  • Doctor reports
  • Test results
  • Medical records and any medical documentation regarding the injury or illness that led to your disabling condition
  • Contact information for your doctors, as well as any friends, family members, social workers, or people who can vouch for your disability and the impact it has had on your life

You will also need to provide documentation regarding your personal information and financial status. This means you will need to provide your Social Security number as well as your original birth certificate or proof of U.S. citizenship. If you were in the military prior to 1968, you will need to provide any U.S. discharge papers.

Regarding your financial status, you will need to provide your W-2 forms or your tax returns from the previous year. Additionally, you will be asked to provide pay stubs and settlement agreements as well as any proof that you have received temporary or permanent workers compensation or comparable benefits.

Disability Attorney

When you are disabled either due to an injury or illness, your financial security can feel unstable, to say the least. Your medical expenses can be significant and the added pressure that can come with not being able to work can be severe. Social Security disability benefits can provide crucial financial relief. In order to successfully navigate the benefits application process, however, you need to provide the necessary forms and thorough documentation. Roeschke Law can help you with this. Contact us today.

Is Fibromyalgia a Qualifying Condition for Disability?

Fibromyalgia has been a medical mystery in many ways. It is general characterized as a condition that can involve both widespread musculoskeletal pain as well as extreme fatigue and memory and mood issues. It can also impact sleep. The causes of fibromyalgia are not fully understood and medical researchers continue to research the root cause of this sometimes debilitating condition. If you suffer from fibromyalgia, you may have been prevented from retaining gainful employment due to your condition. If this is the case, you are likely very curious as to whether or not fibromyalgia is a qualifying condition to access disability benefits.

Is Fibromyalgia a Qualifying Condition for Disability?

The Social Security Blue Book does not have a listing for fibromyalgia among its list of other conditions that may qualify a person for disability benefits. The causes of fibromyalgia are not fully understood and the symptoms are mostly subjective, or self-reported. Furthermore, the symptoms of fibromyalgia can greatly vary from one person to the next. These are all reasons why fibromyalgia claims are often denied by the SSA. This, however, is not always the case. Fibromyalgia can be a qualifying condition for disability benefits. If your claim is initially denied, you may see more success at the administrative law judge appeals level.

Due to the struggles associated with fibromyalgia cases, SSA has published a ruling about when the condition should be deemed a “medically determinable impairment.” This is the first threshold that needs to be crossed when applying for disability benefits. A medically determinable impairment means that your disabling condition needs to be established by more than your own reports about your symptoms. There must be medical signs of an impairment that could be reasonably expected to produce the symptoms you are reporting.

To strengthen the validity of your claim, you will need to have relevant medical records including laboratory test results and doctors’ evaluations. You may also want to submit statements from friends, family, and co-workers about your condition and its impacts on you, your job, and your relationships. Some of the more specific information that the SSA will be looking for in determining the validity of your disability claim will include:

  • Records supporting joint, muscle and surrounding tissue pain that is both severe and has continued for a minimum of three months
  • Documentation that excludes other medical causes and conditions of your symptoms
  • Supporting statements about restrictions on your ability to perform daily activities
  • Documentation that you exhibit six or more symptoms of fibromyalgia that may include things like fatigue, depression, anxiety, and memory problems

As you can see, supporting documentation is critical to the success of your disability claim. Your application for disability benefits should include a confirmed fibromyalgia diagnosis from a rheumatologist as well as the dates of your medical visits and the contact information for all of your medical providers. You should also submit a Residual Functional Capacity (RFC) assessment regarding your impairments that is completed by your doctor.

Disability Attorney

Fibromyalgia can have far-reaching impacts on a person’s health and wellbeing. The symptoms of the condition may be severe enough to make it disabling. A person suffering from fibromyalgia may not be able to work and, in that case, disability benefits may be critical to providing much needed financial support. For assistance with your fibromyalgia disability claim, Roeschke Law is here for you. Contact us today.

ssd

What Is the Social Security Administration Blue Book?

If you have filed an application to access Social Security disability benefits, your claim will be initially processed in a local Social Security Administration (SSA) field office by Disability Determination Services (DDS). Appeals of claim denials may also be processed by DDS or by an administrative law judge in the Office of Hearing Operations of the SSA. How does DDS, however, determine whether a disability claim is valid? The determination lies mainly in the contents of the Social Security Administration Blue Book.

What Is the Social Security Administration Blue Book?

While the official title may be “Disability Evaluation Under Social Security,” the SSA listing of disabling impairments is far more often referred to simply as the “Blue Book.” The Blue Book lists both physical and mental impairments that may be considered disabling if the criteria set forth under the impairment listing in the Blue Book is met. Part A of the Blue Book relates to adults aged 18 or older. Part B of the Blue Book relates to children under the age of 18. Both Part A and Part B have a total of 14 categories of disability listings.

The intention of the Blue Book is to help provide physicians, health care professionals, and potential disability claimants with an understanding of what conditions may be considered disabling for purposes of SSA disability program benefits. With each impairment listing, the Blue Book explains what information and supporting documentation will be needed from the claimant and the treating medical providers to help ensure that the disability claim is successfully processed and a favorable decision rendered.

To find out if you have a qualifying condition, you look to the Blue Book listing associated with your specific disabling condition. Under the listing you will find the specific criteria that must be met in order for your disabling condition to render you qualified to receive Social Security disability benefits. Your best bet to successfully navigate the disability claims process is to follow the specific criteria set forth in the Blue Book. There are strict definitions for each qualifying condition set forth by the SSA. Additionally, in the Blue Book, you will find more information regarding both the Social Security Disability Insurance and the Supplemental Security Insurance programs. Both are SSA disability benefits programs.

It is important to note that you do not need to suffer from a condition specifically set forth in the Blue Book to ultimately be qualified to receive disability benefits. Furthermore, it is important to note that just because you have a condition that meets the criteria listed in the Blue Book does not mean that you are guaranteed to be approved for benefits. It merely means that you have a qualifying condition making your claim valid for consideration by the SSA. The SSA will need to review and determine the severity of your condition based on the information and documentation you have provided.

Disability Attorney

Are you having difficulty understanding the Blue Book and the SSA disability claims process in general? Reach out to Roeschke Law for help. We are here to support you in any way we can. Contact us today.

woman with long-term disability insurance, looking over paycheck

How Much of Your Salary Is Covered by Long Term Disability Insurance?

Long-term disability insurance can provide critical financial support should an injury or illnesses require you to miss work for an extended period of time. While some employers offer long-term disability as an employment benefit, this is not always the case and people often seek long-term disability coverage on their own. Other times, a person may wish to have additional coverage on top of that offered by his or her employer. In any event, it is important to understand the benefits you are signing up for when you get a long-term disability insurance policy. For instance, you will want to know how much of your salary will actually be covered should you need to access benefits under your long term disability insurance policy.

How Much of Your Salary Is Covered by Long Term Disability Insurance?

The short answer to this is, it depends. More specifically, it depends on the coverage of your policy. The terms of your policy will dictate how much of your salary will be covered under your long term disability insurance. That is why it is important to get long term disability coverage that will provide enough pay out benefits to provide you with the percentage of your salary that you will depend on to get through being out of work due to your disability.

When looking for long term disability insurance coverage, you will need to analyze how much you will need to live on should you be out of work for an extended period of time. The general rule of thumb is that your long-term disability insurance policy should cover anywhere from 60 to 80 percent of your take-home pay. Insurance payments are not taxed like income is so you will not need to account for that. 

To get a clearer idea of how much coverage you will really need, make a list of your monthly living expenses. Start with the basics such as food, housing, utilities, etc. Account for the fact that you will likely have some entertainment expenses such as books and movies. You are also likely to have disability-related costs, such as mobility devices (wheelchairs, etc.) and other healthcare costs. If you have a high deductible on your health insurance or your coverage is not great, account for the fact that you are likely to have a significant increase in healthcare-related costs.

Total everything together to arrive at how much you will need to live on should you be out of work on disability leave. Get long term disability coverage that will meet this need. Enjoy the peace of mind that will come with knowing you will have enough insurance coverage in the event that you are unable to work for an extended period of time due to a disabling injury or illness.

Disability Attorney

Do you have questions about long term disability coverage? Roeschke Law has answers. We are here to support you in any way we can. Contact us today.

denied social security disability application

Why Are Social Security Disability Claims Denied?

Getting the paperwork together to file a Social Security disability claim can be an aggravating and stressful process. To go through all of this only to find out your claim has been denied can be upsetting, to say the least. Unfortunately, it is a common experience. In fact, it is estimated that the SSA denies around 60 to 70 percent of initial disability claims received every year. While more people have success upon appealing the initial denial of the claim, it can take almost two or more years to successfully navigate the appeals process. The best-case scenario is that your claim is initially approved. Fortunately, there are ways to help prevent your claim from being initially denied. To find out how to accomplish this, it can be helpful to review some of the reasons why Social Security disability claims are often denied and work to avoid falling victim to these reasons.

Why Are Social Security Disability Claims Denied?

One common reason why Social Security disability claims are denied and a fairly easy one to avoid is improperly completing claim forms. There is a substantial amount of paperwork involved in the claims process. Be sure to take care, however, in completing these forms. Always be sure to review all forms prior to submission.

Lack of sufficient medical evidence to support your disability claim is also a common reason for claim denial. Medical evidence is critical to having your claim approved and it must be the right kind of evidence. Provide as much objective medical evidence of your disabling condition as possible. Go over the Blue Book with your doctor which outlines what tests and documentation you need for your disabling condition. Without concrete medical evidence, Disability Determination Services (DDS) will be forced to deny your claim.

Another common reason for claim denial and one that is easily avoidable is a failure to comply with a consultative exam. The SSA will sometimes request that a claim applicant undergo a consultative exam conducted by a third-party medical expert. Failure to attend this exam will likely lead to claim denial.

Sometimes, however, a claim is simply not strong enough to merit approval. The SSA may find that, while you may not be able to work at a job you recently held, there are other types of jobs you could still perform. To strengthen your claim and make your limitations clear to the SSA, it all goes back to giving enough of the right evidence. Again, medical evidence is critical. You can also complete the residual functional capacity form to detail how your disabling condition actually limits your ability to perform everyday activities as well as those tasks required of your current job. It can be difficult to adequately portray and encapsulate the full scope of your disability-related impairments, but it is also a critical part of successfully navigating the claims process.

Disability Attorney

For help successfully navigating the disability claims process, Roeschke Law can help. Contact us today.

day program for disabled

Pandemic Threatens Survival of Day Programs for Disabled

Q: How has the pandemic impacted day programs for the disabled?

For all the progress made on behalf of the disabled community since the Americans with Disabilities Act was enacted 30 years ago, day-to-day life remains challenging for many. And the pandemic has only made things worse—especially for people who rely on day programs. 

First off, applying for disability benefits in Arizona is a complex and often time-consuming process that many people trust to a skilled disability benefits attorney. The federal government offers two different disability benefits which programs which, other than sharing the requirement of meeting a common definition of what constitutes a “disability” are quite different in their other criteria. 

In a nutshell, one program (SSDI) is for those who previously worked and can satisfy the work credits history requirement, while the other (SSI) is for those of extremely limited financial means. Being “disabled” is defined as “the inability to engage in substantial gainful activity due to a medically determinable impairment that has lasted or is expected to last a minimum of 12 months or result in death”. A comprehensive list of physical and mental impairments that generally qualify an applicant for benefits is the Social Security Administration’s Blue Book. 

Whether an applicant is born with a qualifying impairment or becomes disabled later in life, they may end up needing disability support services like day programs. 

What is a day program?

Unlike a residential facility where residents live on a 24/7 basis, day programs generally provide adults with intellectual and developmental disabilities a place to go during the day to receive services such as:

  • exercise classes;
  • arts classes;
  • job training; and
  • other activities. 

The funding for day programs differs state by state, but generally, these programs are funded through the federal and state government.

As a result of the pandemic, many of the day centers were closed for several months and, even for those who were able to eventually reopen, there’s the continued struggle of dramatically-reduced attendance. Some folks can’t access staff or transportation to help them get to the program, while others may have pre-existing medical conditions that make the virus more dangerous and they fear going out in public at this time. Of course, even those centers that have re-opened may be threatened by future closure orders if cases surge in upcoming weeks and months. Not all centers offer virtual or remote programming and not all disabled people are able to access such programming if it is available due to lack of technology or challenges to using it, or other factors. 

As a result of these serious and prolonged revenue challenges, many day programs are at risk of having to close their doors if the financial situation doesn’t change through government assistance or other methods.

If you or a loved one needs assistance applying for federal disability benefits, or appealing the denial of benefits, or have any other questions, the disability attorneys at Roeschke Law can help you. Contact us today to schedule a free consultation.

From our offices in Tempe, Phoenix, and Tucson, we represent disabled people and their families throughout Arizona in all matters of disability law. 

mental impairment

Intellectual Disability and the Death Penalty in Arizona

Q: Can an intellectually disabled person be executed in Arizona?

Phoenix disability benefits attorneys help those suffering from physical or mental impairments access the federal government benefits they deserve.

The Social Security Administration (“SSA”) offers two different disability benefits programs: Social Security Disability Insurance (“SSDI”) or Supplemental Security Income (“SSI”). While both programs’ qualifications criteria are very different, they do share the requirement that an applicant for benefits meet the federal government’s definition of being “disabled”. To qualify for disability benefits, the applicant must suffer from a physical or mental impairment that prevents engaging in substantial gainful activities and that has lasted, or is expected to last, for 12 months or more or will result in death.

The SSA uses its guide, the Blue Book – – a comprehensive list of physical and mental medical conditions– – and the patient’s personal medical history when determining whether a client is “disabled”. The list is comprehensive but not all-encompassing as conditions not included may still qualify an applicant for benefits.

As the evaluation process of mental illness is more subjective due to fewer standardized assessment tests, it can be more challenging for these applicants to meet the “disabled” criteria than their counterparts with physical impairments.

Reasons disability claims for mental illnesses get denied

Depending on the particular impairment and the applicant afflicted, the symptoms of some mental conditions may present inconsistently, giving the false impression of improvement. Other reasons mental illness-based claims may be denied include:

  • treatment notes by health mental health professionals lack sufficient detail of the condition;
  • failure of the applicant to follow doctor’s orders, such as taking prescribed medication for the mental condition;
  • lack of duration–where the mental condition hasn’t yet lasted (or is not expected to last) for at least one year.

Having the right attorney and doctor in your corner is important not only in securing disability benefits but, in the case of intellectual disabilities, it could literally save your life.

Recently, sentencing procedures in a high-profile Phoenix murder case made headlines. The dispute involved whether prosecutors could seek the death penalty against an intellectually disabled man charged with the murder of a convenience store clerk.   

According to the Arizona Supreme Court, the lower court judge—who barred the prosecution from seeking the death penalty on intellectual disability grounds– needed to look beyond just the man’s “life skills” and must now also “assess how [his] intellectual deficits affected his ability to meet the standard of personal independence and social responsibility for a person of his age and cultural background”. Defense counsel reportedly expressed confidence that their client will also satisfy these additional criteria and be exempt from execution.

Loved ones of those suffering from intellectual disabilities and/or mental illnesses may understandably worry about whether they could be subjected to the death penalty for committing an offense that they lacked the capacity to fully, or even partially, understand. The fact that the execution of intellectually disabled people has been barred since 2002 by the United States Supreme Court offers these loved ones some comfort, provided assessment criteria is met, of course.

If you or a loved one needs assistance with an initial application for disability benefits, appealing a denial of benefits, or have any other disability benefits law questions, the disability attorneys of Arizona at Roeschke Law can help you. Contact us to schedule a free consultation.

From our offices in Tempe, Phoenix, and Tucson, we represent disabled clients and their families throughout Arizona in all aspects of disability law.

special needs child doing schoolwork

How Fall School Options Are Challenging for Disabled Children

Q: What challenges may special needs children face this school year due to COVID-19 precautions?

The Social Security Administration offers two federal disability benefits programs – – Social Security Disability Insurance (“SSDI”) and Supplemental Security Income (“SSI”). While both programs require applicants to satisfy the federal government’s definition of being “disabled”, each program has different qualifications beyond that. 

Applying for SSDI or SSI benefits

Generally, workers who become disabled pursue SSDI. SSI is a means-based program that does not require an applicant to have a work history, but rather requires them to be of extremely limited financial income and assets and to be of advanced age or disabled. Some people may be eligible for both SSI and SSDI. SSI benefits are often sought by those in the special-needs population. Examples of impairments that special needs applicants may suffer from include autistic disorders, Down syndrome, intellectual disorders, and more. 

The special needs community has been particularly hard hit as a result of quarantine orders due to the novel coronavirus.

Those suffering from autism often have difficulty focusing on therapy, school, or work assignments without direct support to keep them or redirect them on task. They may be unable to sit and attend to a task without getting up and walking away. Many autistic children have sensory processing issues, focus issues like ADD or ADHD, OCD tendencies, oppositional or defiant behaviors and are known to have meltdowns when transitioning from a preferred activity to a less desirable one– and they often struggle and regress when their routines are disrupted. 

When many schools hastily switched to online learning last spring, many special needs students and their parents were stressed-out by the change. In-person services like physical therapy, occupational therapy, and speech therapy were either no longer available or done over online platforms like Zoom– a poor substitute to live sessions. 

Parents, generally not teachers themselves, were trying to work from home and were charged with becoming special ed teachers and therapists for their children. Trying to adjust to their own new remote work situation while trying to support their children’s educational goals, was extremely stressful for many special-needs parents and their kids. 

School reopening plans for the fall differ not only state-by-state but school district by school district. Some schools will offer five days of in-person instruction while others are remaining remote and still others are offering hybrid options where children have in-person instruction two or three days a week and online for the alternate days.

How New School Safeguards May Challenge Special Needs Children

It is difficult for parents to know what to do. On the one hand, children need in-person services and the socialization that comes with in-person instruction. But many special needs children don’t understand or won’t comply with rules regarding facemasks and handwashing and social distancing. These are challenging times for special needs children and their parents as well as the general population. 

If you need help applying for SSI benefits for a loved one or yourself, the disability attorneys of Arizona at Roeschke Law can help you. Contact us today to schedule a free consultation. 

From our offices in Tempe, Phoenix, and Tucson, we represent disabled people and their families throughout Arizona in all areas of disability law.

woman in nursing home due to COVID

Uptick in COVID19-related Disability Cases Expected

Q: Will the coronavirus pandemic increase the number of disabled people?

Tempe disability benefits attorneys have witnessed the devastating effects the coronavirus has had on many clients.

In general, many of the physical and mental conditions an applicant needs to suffer from in order to qualify for Social Security disability benefits are the same conditions that make those recipients fall into the “more vulnerable” category. The most vulnerable victims—with underlying chronic medical conditions like diabetes and others– are more likely to die from complications of the virus than COVID-19 victims without those conditions. 

Long-term COVID-19 disabilities

Medical experts are now seeing that even those who do survive the novel coronavirus may not return completely to their former state of good health. In fact, many COVID-19 survivors have “long-standing lung injury, cardiovascular injury, heart injury, and neurologic injury” and those disabilities are expected to drive up the numbers of people who are unable to work and will be seeking long-term Social Security disability benefits as a result. Dr. Peter Hotez, a professor at Baylor College of Medicine characterized the gravity of the potential fall-out as “producing a generation of disabled individuals”.

With an anticipated uptick in claimants, it is likely that initial application denials rate—already at about two-thirds of applications–will remain high or go higher. Also, the time to appeal the denial of benefits will likely take longer than the two-year average it already takes in many areas—all the while the applicant may be without benefits or other income sources. Rapidly spending down a nest egg that may have taken a lifetime to save—or having no savings to dip into because you live paycheck-to-paycheck– would add additional stress to an already tense situation. 

Could you survive for two years without your paycheck?

If you have been rendered unable to work as a result of COVID-19 or any other physical or mental condition, the disability attorneys of Arizona at Roeschke Law can help you. Contact us today for a free consultation

From our offices in Tempe, Phoenix, and Tucson, we represent disabled people and their families throughout Arizona in all aspects of disability law. No fee unless you win and, even then, the fee basically is set by statute.

Older woman upset about being scammed

3 Things You Should Know About Widow and Widower Benefits

While losing a loved one is never easy, losing a spouse can be particularly heart-wrenching. For many Arizona widows and widowers, their emotional stress is often compounded by financial worries. 

It might be reassuring to know that the Social Security Administration (SSA) provides payments to eligible widows and widowers of decedents who qualify for benefits. So, how do Arizona survivors collect SSA benefits after the death of a spouse? 

Phoenix, Arizona disability attorneys help survivors navigate government bureaucracy and collect SSA benefits. To start, there are a few things you should know about widow and widower benefits.

1. Are You Eligible to Collect Your Deceased Spouse’s Social Security benefits?

Determining SSA widow or widower benefit eligibility is the first step to collecting your deceased spouse’s SSA benefits. Specific eligibility requirements should be reviewed with your disability attorney, but are generally affected by factors of age, length of marriage to the decedent, current marital status, and whether or not you are a disabled widow or widower. 

2. When Should You Begin Receiving Widow/Widower Payments?

Because Social Security benefits increase over time, many survivors delay filing for benefits until necessary. While it’s best to consult with your disability lawyer and financial advisor regarding your circumstances, here are some factors worth considering:

Whose Social Security payments will be higher, yours or your spouse’s? 

You are only allowed to draw one Social Security payment at a time. Accessing the lower payout first will allow the higher amount to continue to increase before you switch to draw against it.

Your current tax situation 

Consult your accountant about the costs of collecting Social Security in Arizona, your tax bracket, or while you’re still working.  

Need and timing

Forgoing smaller payments now for larger payments later doesn’t always pay off. If you need immediate income, don’t wait. 

Disabled widows/widowers must be at least 50 years old, but not yet 60 to begin collecting payments. Time it right.

Note: Survivor benefits start from the time of application and are not retroactive to the date of death. 

Contacting a disability attorney as early as possible will help you jumpstart the process to claim allowable benefits. 

3. How Much Will You Receive from Your Deceased Spouse’s Social Security? 

SSA survivor benefits are based on the amount the decedent would have received or was receiving at the time of death. Actual payouts depend on the survivor’s age and individual circumstances:

Age

Widows/widowers claiming survivor benefits before retirement age (at age 60, or 50 if disabled), will receive between 71.5 percent and 99 percent of the benefit payment. Widows/widowers of full retirement age are eligible for 100 percent of the benefit payment. 

Collective benefits

The SSA limits Social Security benefits drawn against a single worker’s work credits. If a family’s cumulative benefits exceed the limit, individual payments will be reduced. 

Caring for a child

If you are a widow or widower caring for a disabled child or child under the age of 16, you may apply at any age and receive up to 75 percent of your deceased spouse’s Social Security benefit. 

Remarriage

Widows/widowers who remarry before age 60 lose benefit eligibility. Those who remarry at age 60 or older (age 50 or older for disabled), or whose subsequent marriage ends, can collect survivor benefits. 

Why You Need A Phoenix, AZ Disability Lawyer

Filing a claim for SSA widow/widower benefits can feel complicated, especially during a time of loss. You need caring and sound advice from someone familiar with navigating Social Security programs. 

When you work with an experienced Phoenix, AZ disability lawyer, you will have an advocate guiding you through the entire process. If your claim is denied, you will need a skilled disability attorney to handle the complex appeals process.

Contact our office today to speak with a compassionate and knowledgeable Phoenix, AZ disability attorney about your claim. Together, we can get you the SSA benefits you deserve.