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Indianapolis, Lafayette & Franklin Social Security Disability Blog

Advice for Social Security disability applicants

In Indiana, people with disabilities are often denied qualification for Social Security Disability Insurance or Supplemental Security Income benefits. The reason that the Social Security Administration denies claimants is because disability examiners are responsible for determining whether applications are valid. Plus, the same examiners also handle reconsideration appeals.

However, disability claims are frequently denied because disability examiners never meet with applicants in person. People applying for disability benefits are not informed as to whether they even have valid cases until they are mailed decision notifications.

What to do after a disability claim has been assigned

When an Indiana resident submits an application for disability benefits, it will be assigned to an examiner. It is possible that an application could be approved on the first try, but it is also possible that a person will be asked for more information. In some cases, it will be necessary to go for a consultative examination, or CE. This is done to create a recent record or to verify information that might have been left out of an application.

Furthermore, an applicant may be required to provide an activity log or to fill to a work history form. To avoid these steps, an individual should put as much information as possible in an initial application. By providing critical information, it can reduce application processing times by weeks or months. This could also be true by making and keeping a CE appointment.

SSD decisions dependent on medical records

Indiana residents who are struggling with disabling diseases or injuries often wait weeks, months or even a year before receiving initial decisions regarding their applications for Social Security Disability benefits. Although the examiners reviewing applications strive to process cases in a timely matter, difficulty getting current or complete medical records often stymies their efforts.

Incomplete contact information for physicians and other health care providers on applications represents one source of delay. If an examiner cannot contact a medical provider, then obtaining crucial medical records, such as X-rays, MRI scans or surgical reports, becomes nearly impossible. Even when an examiner has access to accurate and complete contact information, physicians' offices are notoriously slow to respond to requests for medical records.

3 reasons long-term disability claims get denied

If you want to apply for long-term disability benefits from your employer, you probably want to do it right away. You may want to rush through the process because it is so difficult to manage without the benefits. While you certainly want to apply for benefits before the deadline, you should not do so fast that you make mistakes.

There are a lot of reasons why claims administrators deny long-term disability benefits. Here are some mistakes you should avoid so you can improve your chances of getting the benefits you need

Achieving Social Security Disability application success

For many disabled workers in Indianapolis, securing Social Security Disability benefits can be critical for their financial future and well-being, especially after a life-changing illness, injury or other disabling condition. While Social Security Disability benefits help to support nearly 9 million people across the country, obtaining those benefits can be difficult and time-consuming. The application process can be challenging, and the rate of initial denials is high, even when many more applicants are approved on later appeals.

Handling the Social Security Disability application process can be even more complicated when applicants are also dealing with the effects of their disabling conditions, so keeping a few tips in mind can help to improve one's chance of success. It can be important to be aware of the Social Security Administration's guidelines for SSD eligibility when completing the application. For example, the impairment must be severe and expected to last for at least one year or lead to death. In addition, to be eligible for SSD benefits, people must have worked and paid FICA taxes for at least five of the prior 10 years.

Disability may naturally come with age

Nobody likes to think about the aches and pains that develop over the years. It can be hard to come to terms with how difficult some activities become in comparison with your younger days.

In many cases, the natural aging process can lead to serious problems that get in the way of daily life. Even if you still have a decade or more of working years ahead of you, a disability could surface early. Unfortunately, disabilities related to aging might not go away with treatment.

Why to appoint a guardian for your special needs adult child

As you plan for the future with your attorney, remember to include provisions for any special needs adult child you have. This entails more than just leaving assets in a will or setting up a trust. Finances are necessary, of course, but they only cover one part of the care of your child. The other part is naming a guardian.

Guardianship grants a person the legal ability to make financial or caregiving decisions for someone who is not able to do so. The capabilities of your child will determine how much power to give the guardian and in which area(s). You also have the option of naming a different person for each category. 

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