Category: Firm News

Common Reasons SSDI and SSI Claims Are Denied in Arizona and How to Avoid Them

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How Can Arizona Applicants Give Themselves the Best Possible Chance at an SSDI or SSI Claim Approval?

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are critical safety nets for individuals who are unable to perform gainful employment due to significant disabilities or injuries. Unfortunately, claims for these programs face remarkably high denial rates nationwide. According to Social Security Administration (SSA) statistics, 62% of all disability claims were denied at the initial application stage in 2024. Understanding the primary reasons behind these denials is crucial for applicants seeking to navigate this complex system successfully. 

The denial of legitimate claims often stems from preventable issues rather than actual ineligibility, making it essential for applicants to familiarize themselves with common pitfalls and strategies to avoid them. An experienced Arizona Social Security Disability attorney can provide skilled assistance with your claim and give actionable guidance for improving your approval chances.

What Are the Most Common Medical Evidence Problems That May Lead to Denial?

The overwhelming majority of disability claim denials stem from insufficient or inadequate medical evidence, representing the single most critical factor in claim approval or rejection. The Social Security Administration requires detailed and comprehensive medical records that not only document the existence of a medical condition but also clearly demonstrate how that condition prevents the applicant from engaging in substantial gainful activity. Many applicants underestimate the depth of documentation required, submitting incomplete medical records, outdated information, or reports that fail to connect their medical conditions to specific functional limitations. Healthcare providers often focus on treatment rather than disability documentation, meaning their standard medical records may not adequately address the SSA’s specific requirements for demonstrating work-related limitations.

To avoid medical evidence-based denials, applicants should ensure their medical records include specific details about how their conditions impact their ability to perform work-related activities such as sitting, standing, walking, lifting, concentrating, and interacting with others. Healthcare providers should be asked to document specific functional limitations, including statements about how long a patient can stand or sit without significant pain, frequency of medical appointments, side effects of medications, and the expected duration of the condition. The medical evidence must also demonstrate consistent treatment and follow-through with prescribed therapies, as gaps in medical care or failure to follow treatment recommendations often result in automatic denials. 

How Does Income Level Affect Your Claim and What Are the Current Limits?

Income levels represent a fundamental technical barrier that can immediately disqualify otherwise eligible applicants from receiving disability benefits. For 2025, the substantial gainful activity (SGA) limit is set at $1,620 per month in earnings. Applicants who earn more than this amount will be automatically denied regardless of the severity of their medical condition. This income threshold applies to SSDI claims and reflects the SSA’s position that individuals capable of earning above this level are not sufficiently disabled to qualify for benefits. 

The SGA limit serves as an initial screening mechanism, with claims examiners reviewing earnings history and current income before proceeding to medical evaluations. Even part-time work or self-employment income that exceeds the SGA threshold can result in immediate claim denial, making it crucial for applicants to understand these limits before applying and to carefully manage their work activities during the application process.

What Communication and Compliance Issues May Lead to Denial?

Failure to effectively communicate and fully cooperate with the SSA during the claims process is a controllable factor that, unfortunately, leads to numerous denials each year. The SSA interprets lack of cooperation as evidence that an applicant is not genuinely disabled or is not serious about pursuing benefits, leading to claim denials based on insufficient information rather than medical ineligibility. Common issues may include:

  • Failing to attend scheduled consultative examinations
  • Not responding to requests for additional information
  • Ignoring communications from the SSA
  • Not providing requested documentation within specified timeframes

Applicants must also respond promptly to all SSA correspondence and provide the requested information within the specified timelines to avoid procedural denials that are unrelated to their actual medical conditions. However, keeping track of these deadlines and gathering needed information can prove challenging for individuals already living with the ramifications of a disability or injury. The assistance of a trusted attorney can be key to ensuring all necessary correspondence and paperwork is handled in a thorough, timely manner.

Why Do Work Credits and Employment History Matter for SSDI Eligibility?

SSDI eligibility requires applicants to have earned sufficient work credits through previous employment, with the specific number of credits needed varying based on the applicant’s age at the time they became disabled. Generally, applicants need 40 work credits, with 20 earned in the 10 years immediately preceding their disability, though younger workers may qualify with fewer credits. Work credits are earned quarterly based on minimum income thresholds, with the dollar amount required for each credit adjusted annually. 

Many applicants assume that having a severe medical condition automatically qualifies them for SSDI benefits, only to discover that their limited work history makes them ineligible regardless of their medical status. This technical requirement particularly affects younger workers, individuals with gaps in employment history, and those who worked primarily in cash-based or informal employment situations where Social Security taxes were not correctly reported.

What Other Technical Issues Can Cause Denials?

Additional technical factors can result in claim denials even when applicants have legitimate medical conditions and adequate work histories. Incomplete or inaccurate paperwork represents a significant source of preventable denials, as the SSA requires extensive documentation and precise information about medical conditions, work history, and personal circumstances. Asset limits for SSI claims can disqualify applicants whose resources exceed allowable thresholds, while relationship verification issues can affect claims for adult disabled children or disabled widow/widower benefits. Additionally, applicants whose conditions do not fit neatly into the SSA’s listed impairments may face denials if claims examiners determine they can perform other types of work available in the national economy, even if they cannot return to their previous employment. Having an awareness of these potential issues and seeking qualified legal advice on how to address them can be essential to building a strong application.

Why is Consulting With a Skilled Arizona Social Security Disability Attorney Recommended?

Successfully navigating the SSDI and SSI application process in Arizona requires careful attention to both medical and technical requirements, with particular emphasis on comprehensive documentation and strict adherence to procedural guidelines. Arizona’s high denial rates underscore the importance of thorough preparation, complete medical evidence, and professional guidance throughout the application process. Given the complexity of the system and the serious consequences of procedural errors, consulting with experienced disability attorneys can prove crucial in avoiding common pitfalls and presenting the strongest case for benefits approval. 

Roeschke Law, LLC has a proven track record of helping clients achieve the best possible outcomes for their SSI and SSDI applications. Our knowledgeable lawyers can answer your questions and advocate for your interests throughout the process. To schedule a free, no-obligation case consultation, complete our convenient online form or contact our Tempe office at (800) 975-1866.

The Impact of Past Work Experience on Social Security Disability Claims in Arizona

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What is the Relevance of Past Work Experience to an Arizona Social Security Disability Claim?

Social Security disability benefits can provide vital financial stability for Arizona residents who have lost their ability to continue their current employment due to severe medical issues. However, applying for these benefits requires detailed supporting information. The Social Security Administration (SSA) thoroughly evaluates each applicant’s situation to determine whether they have skills and prior work experience that could allow them to work a different job that would be more compatible with their condition.

Understanding the complex interplay between past employment and disability claims is crucial for Arizona residents navigating the often challenging process of securing disability benefits. Recent changes to SSA rules have significantly altered how past work experience impacts disability benefit eligibility. Most notably, the June 2024 reduction of the “past relevant work” period from 15 years to just 5 years represents a substantial shift that benefits many claimants. Due to the changeable nature of the program’s eligibility requirements and the economic challenges associated with a denial of benefits, seeking the assistance of an experienced Arizona Social Security disability attorney is strongly recommended during the application process.

What Are the Eligibility Requirements for Disability Benefits in Arizona?

Social Security Disability Insurance (SSDI) provides financial support for individuals unable to work due to qualifying disabilities. To be eligible for SSDI benefits in Arizona, applicants must meet the SSA’s strict definition of disability, which is an inability to work due to a severe medical condition that has lasted or is expected to last at least one year or that will result in death. The condition must prevent the individual from performing not only their previous work but also from shifting to other types of employment.

In most cases, the individual must also have spent enough time working to accrue sufficient work credits in the SSDI system. The exact number of work credits needed to qualify depends on an applicant’s age and other factors. If you are uncertain if you have enough credits to apply, a trusted SSDI advocate can help you determine your eligibility.

The application process requires substantial supporting documentation. Applicants must demonstrate that their condition is severe enough that they cannot earn sufficient income through any gainful activity. However, it’s worth noting that SSDI recipients may still work within certain earnings limitations without losing benefits.

Why is Thorough Documentation of Past Work Experience Vital?

The SSA uses the Work History Report (Form SSA-3369-BK) to collect detailed information about an applicant’s employment history. Applicants must list all jobs held in the five years before they became unable to work due to their medical condition(s). For each position, applicants must provide comprehensive information, including job title, dates worked, employer type, compensation rate, and a thorough description of job duties.

The level of detail required is extensive. Applicants must describe specific tasks performed during a typical workday, including any report writing or supervisory responsibilities. They must list all equipment and tools used regularly, explain their purpose, and detail any interactions with coworkers or the public. This in-depth explanation may feel excessive, but it helps disability examiners categorize past work according to the exertion level and skill required, which are crucial in determining whether an applicant can return to previous employment following their diagnosis.

How Can Past Work Impact an Applicant’s Eligibility for SSDI?

When evaluating claims, the SSA follows a five-step review process, with past work experience playing a pivotal role in steps four and five. At step four, examiners determine whether claimants can perform their past relevant work despite their medical limitations. If they cannot, the evaluation moves to step five, which assesses whether they can adjust to other types of work.

Past relevant work (PRW) must meet three specific criteria to be considered in disability determinations: 

  • Was performed within the relevant time period
  • Lasted long enough for the claimant to learn the job
  • Constituted substantial gainful activity (SGA). Substantial gainful activity typically refers to work that involves significant physical or mental activities and results in earnings above a certain threshold 

What Are the Recent Changes to the Past Relevant Work Period?

On June 8, 2024, the SSA implemented a significant rule change that benefits disability claimants by reducing the lookback period for past relevant work from 15 years to just five years. Disability determinations now only consider work performed within the five years prior to adjudication. Additionally, the new rule excludes jobs that started and stopped within fewer than 30 calendar days from consideration as past relevant work.

This change acknowledges that skills and job requirements evolve rapidly in today’s economy, making older work experience less relevant to current capabilities. For example, a healthcare worker who began in an administrative role 13 years ago but has since advanced to specialized clinical work would not have their administrative skills considered under the new rule. Crucially, this prevents denials based on outdated skills that may no longer be applicable in the current job market.

What Can You Do if Your SSDI Claim is Denied?

Many disability applications in Arizona are denied initially, making the appeals process critical. Throughout this process, the evaluation of past work remains central to case outcomes. When appealing a denial, claimants should focus on demonstrating how their medical conditions prevent them from performing both their recent past work and any other related work available in the national economy. A robust appeal often requires additional medical documentation, functional capacity evaluations, and sometimes testimony from vocational experts who can speak to the demands of specific occupations and the transferability of skills.

How Can a Skilled Attorney Assist You?

Losing the ability to work due to a disabling medical condition is a life-altering event that can have devastating impacts on your finances. In this situation, the SSDI program can provide critical income based on your past wages. However, navigating an SSDI claim can be highly challenging. The program’s adjudicators will thoroughly examine your medical records, education, skill levels, and work history over the past five years to decide whether they believe you can still perform your job or could adjust to another type of gainful employment that could allow you to support yourself. 

The interplay between medical limitations and employment history can be complex. However, providing detailed, accurate documentation can be essential to receiving approval for benefits or appealing an adverse decision. Our knowledgeable Social Security attorneys at Roeschke Law, LLC can provide helpful guidance and dedicated representation throughout the SSDI application process. Contact our Tempe office today at 800-975-1866 to begin your free, no-obligation case evaluation.

How Does Arizona’s Climate Impact Social Security Disability Claims for Respiratory Conditions?

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Navigating Social Security Disability Claims for Respiratory Issues in Arizona

Arizona’s climate presents unique challenges for individuals with respiratory conditions, potentially exacerbating symptoms and impacting their ability to work. For those seeking Social Security Disability (SSD) benefits, it is important to provide comprehensive medical documentation and demonstrate how the climate worsens their condition. By understanding the relationship between respiratory health and the environment, claimants can improve their chances of securing the benefits they need to manage their condition and maintain their quality of life.

What Respiratory Conditions Are Impacted by Arizona’s Climate?

Arizona’s climate may impact several respiratory conditions, influencing the severity of symptoms and the frequency of flare-ups. Several common respiratory conditions might be impacted.

Asthma

Arizona’s dry air and dust storms can irritate airways and trigger asthma attacks. Individuals with asthma may experience more frequent and severe symptoms due to the presence of airborne particles, allergens, and pollution, making it difficult for them to manage their condition.

Chronic Obstructive Pulmonary Disease (COPD)

COPD sufferers, which includes individuals with chronic bronchitis and emphysema, may find Arizona’s climate particularly challenging. High temperatures can make breathing more difficult, while dust and air pollution exacerbate symptoms, leading to respiratory distress.

Allergies

Arizona’s desert landscape is home to specific allergens, such as pollen from desert plants such as ragweed and mesquite trees. These allergens can trigger allergic reactions, further complicating respiratory conditions.

Pulmonary Fibrosis

This progressive lung disease involves scarring of the lung tissue, which makes it difficult for oxygen to pass into the bloodstream. Arizona’s climate, with its dry air and dust storms, can increase the risk of respiratory infections and irritants, leading to further complications for those with pulmonary fibrosis.

How Does Arizona’s Climate Impact the Disability Claims Process?

The Social Security Administration (SSA) recognizes respiratory disorders as potential qualifying conditions for disability benefits. To qualify, a claimant must prove that their condition is severe enough to limit their ability to work for at least 12 months.

Worsening Symptoms and Functional Limitations

For many individuals with respiratory conditions, Arizona’s harsh climate can make it nearly impossible to perform daily activities, including work. Extreme heat can lead to shortness of breath, fatigue, and respiratory distress, limiting the ability to engage in even light work. If a claimant can demonstrate that the local climate exacerbates their condition, this may strengthen their case for disability benefits.

Medical Documentation

A successful disability claim requires strong medical evidence. Claimants must provide thorough documentation from healthcare providers that details the severity of their condition and how the climate exacerbates their symptoms. Medical records should include test results, physician statements, and treatment history showing that the condition continues to limit the claimant’s ability to function despite treatment.

Compliance with Treatment

Individuals seeking SSD benefits must demonstrate that they are following prescribed treatments to manage their condition. This may involve staying indoors during dust storms, using air purifiers, or taking medications to control symptoms. Documenting medical compliance is essential for showing that the claimant is taking reasonable steps to manage their condition, but their ability to function remains limited.

Impact on Daily Life and Work

The claimant must prove that their condition limits their ability to work in order to qualify for disability benefits. Arizona’s extreme weather can make it impossible for individuals with respiratory conditions to perform certain jobs, particularly those requiring outdoor work or physical exertion. Claimants should provide detailed information about how their condition prevents them from performing tasks like walking, standing for long periods, or lifting objects.

How Can Respiratory Disability Be Proven in Arizona?

To qualify for Social Security Disability benefits based on a respiratory condition, a claimant must meet the requirements outlined by the SSA, which identify specific criteria for respiratory disorders. Some of the key conditions listed include chronic obstructive pulmonary disease (COPD), chronic bronchitis, asthma, cystic fibrosis, and pulmonary fibrosis. Each condition has its own criteria, which generally include the results of pulmonary function tests (PFTs), the frequency and severity of exacerbations, and the need for hospitalization or medical care.

In Arizona, additional considerations may arise due to the effects of the climate. For example, claimants may need to provide evidence showing that their condition worsens during the summer months due to extreme heat or humidity. They may need to demonstrate that dust storms or poor air quality significantly impair their breathing and overall lung function. Additionally, claimants might need to prove that they cannot work outdoors or perform physical tasks due to these challenging environmental conditions. By documenting how Arizona’s climate exacerbates their condition, claimants can strengthen their case for disability benefits.

How Can You Prepare Your Disability Claim?

Applying for Social Security Disability benefits can be a complicated process, especially for individuals with respiratory conditions. Increase your chances of success by following these guidelines.

  1.  Work with a healthcare provider who understands the impact of Arizona’s climate on respiratory conditions and can provide detailed medical documentation.
  2.  Keep a detailed record of symptoms, treatment history, and how the condition affects daily life and work.
  3.  Consider consulting with an attorney who can help navigate the claims process and present a compelling case.

Roeschke Law, LLC Provides Legal Help for Filing Social Security Disability Claims in Arizona’s Harsh Climate

Arizona’s harsh climate can worsen respiratory issues like asthma and COPD. If your condition prevents you from working, you may be entitled to Social Security Disability benefits. Navigating the claims process can be overwhelming. At Roeschke Law, LLC, we help people with respiratory conditions get the benefits they deserve. Call 800-975-1866 for a free case evaluation, and let us help you get the benefits you deserve!

What Are the Penalties for Businesses Not Complying with Arizona Accessibility Laws?

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What Are the Specific Accessibility Requirements for Arizona Businesses?

Arizona businesses are required to adhere to specific accessibility standards. These include ensuring that entrances, parking lots, restrooms, and service counters are accessible to individuals with disabilities. For instance, businesses must provide ramps or lifts where stairs are present, have doors wide enough for wheelchair access, and ensure that aisles are wide and unobstructed.

Businesses are also required to make reasonable modifications to their policies, practices, or procedures to accommodate individuals with disabilities. This might involve allowing service animals into a business that generally prohibits pets or providing additional assistance to a customer with a disability.

What Are the Consequences for Businesses Ignoring Arizona Accessibility Laws?

Arizona’s accessibility laws are designed to ensure that individuals with disabilities have equal access to public spaces, including businesses.

These laws are in line with the federal Americans with Disabilities Act (ADA). When businesses fail to comply with these laws, they face a range of penalties.

They may be subject to civil penalties, for instance. In Arizona, the civil penalty for a first violation can be up to $5,000, and for any subsequent violation, the penalty can be up to $10,000. These penalties are intended to encourage businesses to take accessibility requirements seriously and to make the necessary modifications to their premises.

How Can Non-Compliance Affect a Business’s Reputation?

Beyond the financial penalties, non-compliance with accessibility laws can also have a significant impact on a business’s reputation. In today’s socially conscious environment, many consumers are keen to support businesses that demonstrate a commitment to inclusivity and equal access. A business that fails to comply with accessibility laws may be seen as discriminatory or uncaring, which can lead to a loss of customers and damage to the business’s brand.

What If I Encounter Multiple Violations at the Same Business?

If you encounter multiple accessibility violations at the same business, each violation can be treated as a separate offense. For example, if a hotel in Flagstaff has inaccessible entrances, restrooms, and parking lots, it could be penalized for each of these violations.

If the business fails to rectify these violations after being notified, they could face additional penalties. This is why it’s crucial to document all the violations you encounter and report them to the appropriate authorities.

What Are the Responsibilities of Landlords and Tenants?

In Arizona, both landlords and tenants have responsibilities when it comes to accessibility. Landlords are generally responsible for ensuring that the public and common use areas of a property are accessible. Tenants, on the other hand, are typically responsible for the accessibility of the specific premises they rent.

What Legal Actions Can I Take if a Business Does Not Comply?

If you encounter a business that is not complying with Arizona’s accessibility laws, you have the right to take legal action. You can file a complaint with the Arizona Attorney General’s Office, which will investigate the matter and may take action against the business.

In addition, you may also have the right to file a private lawsuit against the business. This could result in the business being ordered to make their premises accessible, and you may also be awarded damages for any harm you have suffered as a result of the business’s non-compliance.

Can I File a Complaint Against a Government Entity?

Yes, you can. Arizona’s accessibility laws apply not only to private businesses but also to government entities. This includes state and local government offices, public schools, and public transportation services. If you encounter accessibility issues in any of these settings, you have the right to file a complaint.

What If a Business Claims It’s Too Expensive to Make Their Premises Accessible?

Under Arizona law, businesses are required to remove accessibility barriers where it is “readily achievable” to do so. This means that the business must make the necessary modifications unless doing so would cause “significant difficulty or expense.”

The determination of what constitutes “significant difficulty or expense” is made on a case-by-case basis, taking into account factors such as the nature and cost of the modifications, the overall financial resources of the business, and the impact of the modifications on the operation of the business.

What Can I Do If a Business Refuses to Accommodate My Service Animal?

Under Arizona’s accessibility laws, businesses are required to make reasonable modifications to their policies to accommodate individuals with disabilities. This includes allowing service animals into businesses that generally prohibit pets.

If a business refuses to accommodate your service animal, you can file a complaint with the Arizona Attorney General’s Office. You may also have the right to file a private lawsuit against the business.

What If a Business Retaliates Against Me for Filing a Complaint?

Retaliation against individuals who assert their rights under Arizona’s accessibility laws is strictly prohibited. This means that a business cannot punish you or treat you less favorably because you filed a complaint or took legal action against them.

If you believe that a business has retaliated against you, you can file a complaint with the Arizona Attorney General’s Office. You may also have the right to file a lawsuit against the business.

How Can an Experienced Lawyer Assist Me?

An experienced lawyer can be invaluable in helping you navigate the complexities of Arizona’s accessibility laws. They can advise you on your rights, help you file a complaint or a lawsuit, and represent you in court if necessary.

A lawyer can also help you gather evidence to support your case. This might include photographs of the inaccessible premises, testimonies from witnesses, or medical records if you have suffered an injury.

If you have encountered a business that is not complying with Arizona’s accessibility laws, call Roeschke Law today at 800-975-1866 for a free consultation!

What Steps Should You Take if Denied Reasonable Accommodations in Arizona?

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What Are Reasonable Accommodations Under Arizona Law?

In Arizona, reasonable accommodations are modifications or adjustments to a job or employment environment that allow a person with a disability to perform essential job functions. These accommodations are mandated by both federal and state laws, including the Americans with Disabilities Act (ADA) and the Arizona Civil Rights Act. Some reasonable accommodations are providing a sign language interpreter for a deaf employee, allowing a flexible work schedule for someone with a chronic illness, or installing a ramp for a wheelchair user.

What Are My Rights Under the Americans with Disabilities Act (ADA)?

Under the ADA, you have the right to request reasonable accommodations that will enable you to perform your job despite your disability. This federal law applies to employers with 15 or more employees, and it prohibits discrimination in hiring, promotions, termination, and all aspects of employment.

If your employer denies your request for accommodations, they must show that the accommodations would cause an undue hardship. This means that the accommodations would be significantly expensive or difficult in relation to the size of the employer, their financial resources, and the nature of their business.

What Are My Rights Under the Arizona Civil Rights Act?

The Arizona Civil Rights Act provides additional protections for workers with disabilities in Arizona. This state law applies to employers with 15 or more employees, and it also prohibits discrimination based on disability.

Under this law, you have the right to request reasonable accommodations, and your employer must provide them unless they can show that this would cause an undue hardship. The Arizona Civil Rights Act also gives you the right to file a complaint with the Arizona Civil Rights Division if your request for accommodations is denied.

What Should I Do If My Request for Reasonable Accommodations Is Denied?

If you’ve requested reasonable accommodations and your employer has denied your request, it’s important to take several steps to protect your rights. First, document everything. Keep a record of your request and any responses you receive. This could be crucial evidence if you need to file a complaint or lawsuit later.

Next, try to resolve the issue with your employer. It’s possible that there’s been a misunderstanding or that your employer isn’t aware of their legal obligations. If you’re unable to resolve the issue, you may need to lodge a complaint with the Arizona Civil Rights Division or the Equal Employment Opportunity Commission (EEOC). These agencies can investigate your complaint and may be able to help you obtain the accommodations you need.

How Can I Prove That My Accommodations Are Reasonable?

Proving that your requested accommodations are reasonable can be a complex process. You may need to provide medical documentation or expert testimony to show that your disability requires the accommodations you’ve requested. You’ll also need to show that the accommodations wouldn’t impose an undue hardship on your employer.

What if My Employer Claims They Were Unaware of My Disability?

Sometimes, an employer might claim they were unaware of your disability as a defense for not providing reasonable accommodations. However, under the ADA and the Arizona Civil Rights Act, an employer’s obligation to provide reasonable accommodations begins when they become aware of your disability and your need for accommodations.

What if My Employer Offers an Alternative Accommodation?

In some cases, your employer might offer an alternative accommodation instead of the one you’ve requested. The ADA and the Arizona Civil Rights Act require that employers engage in an interactive process to determine an effective accommodation. This means that your employer can suggest alternatives, but these must still allow you to perform your job effectively.

Can I Be Fired for Requesting Reasonable Accommodations?

Under the ADA and the Arizona Civil Rights Act, it’s illegal for employers to fire employees for requesting reasonable accommodations. This is considered a form of disability discrimination. If you’ve been fired after requesting accommodations, you may have a wrongful termination claim.

What Should I Do If I Face Retaliation for Requesting Accommodations?

If you face retaliation for requesting reasonable accommodations, such as being demoted, harassed, or even fired, it’s crucial to take immediate action. Document any instances of retaliation and report them to your employer’s human resources department. If the retaliation continues, you may need to file a complaint with the EEOC or the Arizona Civil Rights Division.

What Can an Experienced Lawyer Do to Help?

If you’re facing a denial of reasonable accommodations, an experienced lawyer can be a significant help. They can educate you on your rights, gather evidence to support your case, and navigate the complex legal process. They can also negotiate with your employer on your behalf, and represent you in court if necessary.

If you’ve been denied reasonable accommodations in Arizona, or if you’ve faced retaliation for requesting accommodations, call Roeschke Law today at 800-975-1866 for a free consultation! They can guide you through the legal process, advocate for your rights, and help you seek the fair treatment you deserve under the law.

How Do Medical Examinations Influence Social Security Disability Decisions in Arizona?

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What is the Social Security “Blue Book” and How Does It Apply to My Medical Evaluation?

A proper and sanctioned medical evaluation is critical to applying for Social Security Disability. This medical evaluation gives Social Security a detailed and clear understanding of your disability conditions and the vital information they need to make a qualified and accurate decision on your SSD claim.

According to the SSD rules, these provided physicians use the Disability Evaluation Under Social Security guidelines; this is usually referred to as the blue book and helps them to evaluate you for the type and extent of your disability.

This “Blue Book” includes a detailed listing of disabilities and impairments for adults and children. The book also sets exact requirements for the severity of your symptoms, specific clinical findings, and lab tests needed for each impairment; if found, some impairments may be considered for automatic approval of your SSD application.

Your private healthcare practitioner, working with your skilled and experienced Social Security disability lawyer, can provide you with significant help in determining if you meet the requirements listed in the Blue Book. They will know if you are missing vital information such as lab tests, etc., so you can proactively work to ensure complete documentation (and application), which helps you process your application faster and have a better chance of SSD approval.

Can My Private Doctor Put Me on Social Security Disability?

Even if your condition is not listed in the Disability Evaluation Under Social Security guidelines (Blue Book), you and your Social Security disability lawyer can work to prove that your disability affects your ability to work to a severe degree. Therefore, if you can’t do sustained work or your disability meets specific rules under the Medical-Vocational Guidelines, you may still be able to receive benefits.

Your doctor usually cannot approve you getting SSD benefits, but they will still play a significant and critical part in your application. They will be the first step in providing your medical information, treatment, and prognosis.

However, the Social Security Disability administrators may also ask for additional records, such as;

  • More detailed and thorough medical information or specific medical records.
  • Request specific forms or tests that may not have been initially included.
  • Or (and this is quite common) request a complete medical examination done by their doctors.

It’s always possible that your disability does not meet the requirements for automatic approval under disability law; the claims examiner does have the option of your impairments being considered equivalent to a similar listing or considering a combination of impairments that are not severe enough individually but should be granted benefits when combined.

Applying correctly for SSD benefits is complex; your disability lawyer will significantly help with this process. You must note that many times, it’s highly challenging to prove that an impairment or impairments equal the Blue Book Listings. However, your SSD lawyer will thoroughly know the blue book and the information you need to make your Social Security disability evaluation work in your favor.

Are There Certain Medical Conditions That May Automatically Approve Me For SSD Benefits?

Social Security defines “disability” as that you are “disabled” if you can no longer do any substantial gainful activity due to your current medical or physical condition. Additionally, your present physical (or, at times, mental) impairment could result in your death or has lasted and is expected to last for a continuous period of not less than 12 months.

Your experienced Social Security Disability lawyer comprehends that the Social Security Administration’s listings of medical impairments that qualify for disability benefits can be complex and confusing, but also knows how to navigate this treacherous legal path.

You should note that there are types of disabilities that may automatically qualify you for Social Security Disability benefits. Some examples of these are:

  • Musculoskeletal system conditions – Including Arthritis, Fibromyalgia, chronic back pain, and more.
  • Mental or mood disorders – Such as PTSD, Depression, Schizophrenia, and more.
  • Cardiovascular conditions – These may include angina, high blood pressure, heart diseases, and more.
  • Almost all types of Cancer.
  • Nervous system disorders – Blindness, Parkinson’s disease, and more.

Your Social Security law team, experts and knowledgeable in these applications, will know what to look for and what documentation you need. If you automatically qualify, they will advise you. Please note, however, that the type of disability condition and situation is unique, and your law team will approach it legally in that spirit, providing you with the best chances of success.

What Is a Consultative Examination, and How Can It Affect My SSD Approval?

In more cases than not, when you’re applying for Social Security Disability benefits, you probably will have to attend a disability examination, usually called a consultative examination.

These exams are conducted by medical professionals hired by, or work for, the Social Security Administration (SSA). These medical professionals will assess and confirm your medical condition and help clearly define your physical or mental limitations.

This is a vital area that your experienced and skilled SSD attorney will help you prepare for and ensure you inadvertently don’t say or do anything that may jeopardize the chances of getting SSD benefits.

The consultative examination (CE) is a critical and vital part of the SSD application and evaluation process.

The primary reason for this exam is to provide substantial medical evidence to the Social Security Administration (SSA) so they can make an informed and correct decision on your case. Some of the most important reasons for this exam are;

  • Confirm your disability and medical condition fully.
  • Assess the severity of your condition and evaluate your functional limitations.
  • Assess your mental health.
  • Verify claims your medical team has made.
  • Assist significantly in the approval process.
  • Addressing other specific questions, if needed, and more.

I Must Take a Medical Exam For My SSD Application; How Should I Proceed?

Every day in the U.S., injuries and illness stop hard-working Americans from earning a living. When this occurs in your life, Social Security Disability benefits become vitally important to you and your family.

Consulting with an experienced and knowledgeable San Diego Social Security disability law firm will help to ensure you file correctly and comprehensively the first time. Your Social Security Disability lawyer will always give you the best legal advice on applying, especially what to expect if you must take a physical exam to get approved for your SSD benefits.

The best advice is: Do not try this alone. The San Diego-based Roeschke Law, LLC has a long and winning history of representing SSD clients get the benefits they need and deserve.

Call them today at (800) 975-1866 for a consultation on your case and the informed, knowledgeable, and empathetic representation you and your family deserve.

Can You Receive Both Social Security Disability and Long-Term Disability Insurance Simultaneously?

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If I am Injured or a Disabled Person, Should I File for Social Security Disability Benefits if I Have Long Term Disability Insurance?

First, it’s vital to understand that if you have long-term disability insurance, you can still apply for and receive SSDI simultaneously. There are caveats to doing this, but it may be in your best interests.

Certain benefit programs can conflict with each other (such as unemployment benefits, social security retirement benefits, and disability benefits). Still, if you now receive long-term disability, it commonly won’t affect your chances of receiving SSDI.

“Can you collect long-term disability and social security retirement at the same time?”

If you now receive long-term disability and file for SSDI, there might be some offsets, but it could overall be beneficial as you could have a higher net disability income if you file for both.

The Long-Term Disability (LTD) benefit is usually more significant than the SSDI benefit you may receive. However, in some cases, to qualify for LTD benefits, you will probably be required to file for Social Security Disability benefits.

Indeed, most employer-provided LTD policies obligate you to file for SSD benefits as part of the LTD eligibility requirements. Let’s say you get your LTD benefits through your employer; their insurer can invoke the offset provisions by having you file for SSDI, thereby offsetting the LTD insurer’s liability.

The good news is that you usually will have a higher total net benefit income by filing for both. Also, your SSD benefits commonly get COLA increases, while most LTD benefits do not. The LTD benefits you receive will, most likely, remain unchanged until you reach full retirement age. So, by filing for both SSDI and LTD, you are providing yourself and your family with a solid disability “safety net.”

Admittedly, all cases differ, and this can be complex, and filing for both can be challenging and cumbersome, so the help and guidance of a skilled, experienced SSD lawyer is mandatory if you want to obtain the total number of benefits you rightfully deserve.

If I File for SSD and LTD Benefits, How Will “Offsets” Affect My Benefits?

Since the application and approval process is much faster for getting LTD, most LTD benefits are calculated retroactively and for the future. Many applicants can receive an LTD decision in one to three months, but their SSD application may take six months to a year or more to process, and they begin to see benefits.

However, when you get your SSD benefits, you may receive a lump sum award for retroactive benefits while already receiving your LTD payments for many months.

When this occurs, your LTD insurance company will commonly invoke the policy’s “offset provision.” This provision states that you must “reimburse” the LTD insurer for the SSD benefits paid during the same eligibility period for retroactive benefits.

Usually, when you receive LTD and SSDI benefits, a monthly offset will also be applied going forward.

For example, if you file for SSD and LTD benefits simultaneously, your LTD application may be quickly approved, and you begin receiving $5,000 in monthly LTD benefits.

Ten months have passed, and your SSD claim has been approved. You could receive an SSDI retroactive payment of $20,000 plus an ongoing monthly SSD benefit. You have received $50,000 in LTD benefits ($5k/month for ten months = $50,000).

According to your LTD policy terms, you must reimburse the retroactive payment of $20,000 to your LTD insurer because your benefits for retroactive SSDI and LTD eligibility overlap. Also, your LTD benefit will usually be adjusted monthly due to the SSD payments made; all in all, however, by having both benefits, you still will be receiving more each month,

Are There Major Differences Between LTD and SSDI Insurance Benefits,

All types of disability insurance are designed to lessen your financial hardship if you cannot work due to a disability.

SSDI coverage provides essential financial protection to workers, but you must have contributed to Social Security for a significant time.

Usually, all private disability insurance offers more extensive and liberal coverage and possibly more significant benefits.

To qualify for SSDI benefits, you must meet Social Security’s strict definition of having a disability.

For example, to get SSDI, you must show that:

  • You can no longer work in your current job.
  • You cannot work or adjust to another job.
  • Your disability prevents you from returning to work for at least a full year.

The most valuable benefit of private disability plans is that they have less restrictive definitions of disability. While SSDI requires total disability, many LTD insurers will pay benefits without requiring individuals to prove they can do no work.

However, LTD plans can be very costly, and definitions of coverage vary, but most have the following three in common:

  • They have “Own occupation” coverage – This insures you against disabilities that prevent you from performing the duties of your job.
  • They will cover “Own occupation” with time limits – So they will help you when you cannot perform your occupational duties for a limited amount of time.
  • They include “Any occupation” coverage – When your disability prevents you from performing any job.

Also, each situation differs, and LTD and SSD plans can be confusing and challenging. It’s always in your best interests to get the professional advice, knowledge, and guidance of a skilled Social Security Disability lawyer to know you’re doing what’s best for you and your family’s future.

Can I Qualify for SSDI If I Have Multiple Disability Conditions?

This is sometimes an overlooked situation, and if you are a disabled person suffering from multiple conditions, the total effect on you may be enough to qualify for SSDI benefits.

However, although you can apply for SSDI benefits if you have multiple disabling conditions, this process can be highly challenging. Many questions arise, and how you present your case to the SSA will often make all the difference in whether you are approved.

When you apply for SSDI benefits, you should list all of your physical and mental impairments that prevent you from doing your job.

Even if you think it is relatively minor, every impairment must be on your application. The analyst who reviews your SSDI application will combine their effects and evaluate your entire level of disability. They then will consider how your conditions work together to affect your ability to do your current job.

So, if you do have multiple conditions, you can be covered, but it is highly recommended that you work with an experienced disability lawyer who will ensure you submit a thorough, detailed, and correct application; applying with multiple conditions is complex, and if not done precisely, you most likely will be denied.

I Must Apply for LTD and SSDI Benefits; How Should I Proceed?

For LTD and social security disability insurance, you must prove that you suffer from a severe enough disability that you can no longer perform your current job or, in some cases, any substantial work.

Gathering all the documentation needed to demonstrate the severity of your disability is a time-consuming and challenging process. Yes, you can submit your application independently, but the likelihood of success will significantly increase when you work with an experienced, empathetic, and knowledgeable Social Security Disability lawyer.

The skilled and experienced Social Security Disability lawyers at Roeschke Law LLC are proficient and thorough in analyzing your case, gathering all pertinent data, and filling out all parts of these detailed applications correctly the first time.

Call them today at (800) 975-1866, and be assured that they are committed to getting you and your family all the benefits you now need and rightfully deserve.

How Arizona Businesses Comply with Disability Laws Online.

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Must My Arizona Business Website Have To Comply With the ADA Requirements?

The Americans with Disabilities Act (ADA) is broad in scope. Although the new world of digital media can be confusing, most states, including Arizona, are instituting laws that help make websites (and other digital media) more ADA-friendly and compliant.

Thousands of businesses face lawsuits that cite violations under the ADA and other nondiscrimination laws. To avoid these ever-increasing issues, your website needs to be ADA-compliant.

So, as an Arizona business owner, you must ensure that your digital media follows the state’s guidelines and is in line with all ADA requirements. This state commitment covers websites and all digital media so that their websites and all digital media are fully accessible to people with disabilities. These mandates help to ensure inclusivity for all users with disabilities. Arizona strictly enforces website ADA compliance through strict regulations and will apply fines and other consequences for any non-compliance.

The ADA law in Arizona is linked directly to the Americans with Disabilities Act, which is the federal law that prohibits discrimination against individuals with disabilities. This law ensures that all citizens with disabilities are treated fairly and provides reasonable accommodations so that disabled citizens can work with digital media and more.

You should be aware that the most critical reason your websites must be accessible is the growing number of people with disabilities. The World Health Organization and CDC have compiled statistics that show that nearly 26% of America’s population has a disability.

By having an accessible website, you are following state laws and reaching a much broader audience and a vast, mostly overlooked, new market.

The most valid reason is that making your website more accessible for disabled people is the right thing to do. However, digital media is an ever-evolving platform, and to ensure your business is compliant or register a complaint as a disabled person, you should enlist the professional help of a knowledgeable disability law firm.

What Is WCAG and How Does It Affect the Standards For ADA Website Compliance?

As a business owner or a disabled American, it can be challenging to know exactly how the Americans with Disabilities Act (ADA) applies to websites amidst all the legal changes and jargon. Still, the simple answer is that your website must be compliant.

The ADA itself does not have technical standards for web accessibility, and it is recommended that you refer to the Web Content Accessibility Guidelines (WCAG) to evaluate your website and all your digital content. Although WCAG guidelines may not be in Arizona law, past legal rulings and disability claims against businesses have set WCAG 2.0 Level AA as the benchmark for full web accessibility for people with disabilities.

The standards outlined by the WCAG are the benchmark for web and digital accessibility. Recently, the most up-to-date guidelines were published and include 61 criteria for web access that will ensure compliance. These features make your website more accessible, including a screen reader, assistive technology compatibility, clear contrast, the ability to enlarge print, and much more.

If you are a business looking to comply with the WCAG standards, there are four essential accessibility items to always be mindful of they are;

  • Perceivability – All your website content must be detectable to disabled users. This includes users with hearing, visual, or additional sensory impairments.
  • Operability – Your website should be comfortable to navigate for people with disabilities, and its interface should be user-friendly.
  • Understandability – Disabled users must understand web content and navigate the various pages easily.
  • It Should Be Robust – Content for all, including people with disabilities, must be available if your website changes.

Admittedly, this can be challenging to understand, and professional legal and technical help should always be used if you are attempting to ensure ADA compliance and stay out of expensive lawsuits.

How Do I Know My Business Must Comply With the ADA or WCAG Guidelines?

Admittedly, this area is still a bit vague, but based on how the Arizona courts have interpreted the ADA and WCAG standards, ADA web compliance must be followed for businesses with digital media in two significant categories these are;

  • All websites for state or local governments or funded by them – The ADA requires organizations and businesses in these categories to ensure their web content is accessible to those with disabilities.
  • Websites for businesses – Any businesses open to the public must provide complete and equal access to all their web content and digital media to all users, including users with disabilities.

This is a tricky legal area, but over the past 15-20 years, numerous lawsuits and substantial settlements have been filed due to website accessibility barriers for people with disabilities. From 2021 to 2022, there was over a 12% increase in website accessibility lawsuits.

Also, remember that this increase does not include demand letters sent by disabled persons related to web accessibility; that number was over 1,500 per week. These letters typically listed web accessibility problems that disabled Americans found on business sites, and if the proper legal circumstances exist, they may all seek monetary compensation.

What is Arizona’s Current Stance on Website Accessibility?

Arizona’s Website Accessibility Policy and current legislation are trying to establish a statewide policy that provides full accessibility to disabled persons by developing and implementing these features in its Arizona State government websites. Laws and guidelines are being instituted to minimize the technical barriers to accessibility for individuals with disabilities.

For example, all websites covered by Arizona’s accessibility standards must;

  • Use highly contrasting colors.
  • They must-have text for all images.
  • Thorough and properly tagged lists and tables.
  • Have transcripts or captions for all audio and video content.
  • And the websites must provide text-only and downloadable PDF versions of other web content, etc.

This is a lot to keep up with, but every day, more and more lawsuits and valid complaints are being filed by disabled Arizona citizens who cannot use outdated or non-compliant websites. If your business has been exposed to these possibly significant lawsuits, the help of a qualified Arizona disability lawyer is mandatory

I’m An Arizona Business Owner and Must Comply With Arizona’s Website Compliance Guidelines; What Should I Do?

First, understand that the ever-evolving world of digital media is moving forward rapidly, and trying to keep up with constant new legislation requires professional legal and professional help, especially with the current increase in noncompliance lawsuits.

You probably have technical support, but you also need the professional advice of a skilled and experienced Social Security Disability lawyer to stay ahead of issues and expensive lawsuits.

The Social Security Disability Lawyers at Roeschke Law know the ins and outs of disability law and can help you avoid possible fines by the state or, worse, the impact of significant lawsuits. Call them today at (800) 975-1866, as they have the resources and lengthy experience to keep your business’s online platform legal and compliant.

When the Government Kills You Off By Mistake

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How Can I Get My Social Security Income Back When the Government Thinks I’m
Dead?

Many people live paycheck to paycheck these days. This may be especially true for those living on pensions or Social Security Income/Social Security Disability Income “SSI/SSDI”. When you’re expecting that monthly payment to hit your account or arrive in the mail—and it doesn’t—it’s cause for concern. Maybe it’s a mail delay or some minor computer glitch, you might think.

Or maybe you’ve been declared dead.

Shockingly, this happens to thousands of people each year who are mistakenly reported dead to government agencies. And while it takes only a second to be prematurely killed off by an innocent computer error, it can take months of governmental red tape to come back from the dead. After all, bad news travels fast. Word of your demise can spread quickly through a national dead persons database and impact many facets of your financial life.

What happens to your SSI/SSDI during this time?

Once the Social Security Administration is notified of a death, SSI/SSDI benefits will stop. A death “flag” can also trigger a reversal of pension benefits recently deposited into your account. For retirees who rely on their SSI/SSDI and pension checks as their only sources of income, the financial consequences of such a mistake could be disastrous.

Once the Social Security Administration is notified of a death, SSI/SSDI benefits will stop. A death “flag” can also trigger a reversal of pension benefits recently deposited into your account. For retirees who rely on their SSI/SSDI and pension checks as their only sources of income, the financial consequences of such a mistake could be disastrous.

This recently happened to Chuck Zellers of Lincoln, Nebraska. Like some retirees, he and his wife spend their winters in Arizona. Tipped off to something amiss when his pension deposit disappeared from his bank account, he learned of his alleged demise when he arrived at the Social Security Administration Office in Phoenix seeking answers.

Could you survive if your SSI/SSDI or your pension benefits were cut off for several months while you tried to prove you’re alive to several government agencies?

If you find that the government has declared you a goner and you’re mourning the loss
of your SSI/SSDI benefits, an experienced Social Security Disability attorney may be able to expedite your resurrection. If you live in any city or county in Arizona and have been affected, contact Disability Attorneys of Arizona at Roeschke Law, LLC at (800)975-1866 and get back to living again.