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Thursday, December 27, 2018

Comparing SSD vs. SSI


Should I apply for SSD or SSI benefits?

For those just starting off in the process of applying for disability benefit, it can be confusing to determine which benefits you may be able to receive.  Confusion often arises between Social Security Disability (SSD) and Supplemental Security Income (SSI). There are several main differences between these two forms of disability benefits, and many that qualify for one will not be entitled to receive the other.  Our Read more . . .


Sunday, November 11, 2018

Can I Get SSDI or SSI for Depression?

Depression can be a debilitating condition that impairs a person’s ability to perform daily tasks, including work. There are many depressive disorders that someone may suffer from including bipolar disorder, seasonal affective disorder, dysthymia, manic depression, and many other disorders that cause depression. Chronic depression can cause fatigue, insomnia, weight changes, thoughts of suicide, feelings worthlessness, sleeping too much, and eating problems. Depression may qualify for disability benefits, but you may need a New York social security disability lawyer to assist you with your Social Security disability application.


Read more . . .


Wednesday, December 27, 2017

Qualifying for Supplemental Security Income (SSI) Benefits


Who is eligible for SSI benefits?

The Supplemental Security Income program or SSI is administered by the Social Security Administration.  It provides monthly benefits to disabled, blind, or elderly individuals that have few resources and a limited income.  For struggling individuals, SSI benefits can be lifesaving.
Read more . . .


Saturday, November 25, 2017

Exploring Social Security Spousal Benefits and Auxiliary Benefits

Can I still receive Social Security spousal benefits if I am divorced?

Spousal benefits allow a husband or wife to receive a portion of a spouse’s Social Security benefits, even if the spouse has never worked. Similarly, auxiliary benefits go to the spouse of a disabled individual receiving SSDI benefits. Spousal benefits can make a big difference in your life and finances, but it is important that you know all the facts so that you can receive the benefits you deserve.  The following is a look at some little known facts about Social Security spousal benefits..
Read more . . .


Friday, September 15, 2017

I’m Receiving Social Security Disability - Can My Family Receive Auxiliary Benefits?


Accidents, illnesses, and any number of other calamities can suddenly and unexpectedly remove you from the workforce.  When that happens, it generally has a very disruptive effect on a family’s finances.  For that reason, in addition to offering disability benefits to the worker, the Social Security Administration offers “auxiliary benefits” to certain members of that worker’s family to help stabilize and support the family.

Who qualifies to receive auxiliary benefits?

First, it’s important to clarify that auxiliary benefits are only available through SSDI (Social Security Disability Insurance); they are NOT available through SSI (Supplemental Security Income).  The following family members of SSDI recipients can qualify to receive auxiliary benefit payments:

  • Elderly Spouses - One way a spouse can qualify to receive auxiliary benefits is simply to reach the age of 62 years old.
    Read more . . .


Friday, August 25, 2017

SSDI v SSI: Which Benefits Should I Seek?


What is the difference between Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI)?

If you are disabled and struggling to cover your expenses, you may wish to consider applying for benefits through the Social Security Administration (SSA).  The SSA offers two different programs that pay disability benefits: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).  Each program has different requirements for receipt of benefits and serves a unique purpose.  Our Read more . . .


Tuesday, October 18, 2016

Landlord's Refusal to Pay for Bathtub for Disabled Tenant Proves Costly


What are the rights of the disabled when asking a landlord to make "reasonable modifications"?

It is widely understood that, under Federal, state and local law, it is illegal to discriminate against people with disabilities. When it comes to housing, for example, landlords can be required to provide accommodations for the disabled  to help make an apartment or home more accessible to those with physical or mental impairments. For those who refuse, the penalties can be substantial, as one New York landlord recently discovered.


Read more . . .


Monday, May 23, 2016

Improving Your Chances of Being Approved for SSDI Benefits


What can you do to reduce the chances of an SSDI denial?

Social Security Disability Insurance (SSDI) is a benefit provided by the government to those that are unable to engage in any substantial gainful activity due to an impairment or illness. That is, make more than a certain amount of income in a month. These cash benefits are not provided automatically, and those seeking them must undergo a rigorous application process and prove that they meet certain requirements. But, not everyone meets these requirements. In fact, most claims for SSDI are denied.


Read more . . .


Monday, May 16, 2016

Need Social Security Disability Benefits? Get in Line


Why are the wait times so long for obtaining disability benefits?

Nothing is for certain, or so it's been said, and anyone can become disabled at any time and not be able to work. Fortunately, the Social Security Administration provides disability benefits to those who have a medical condition that is expected to last at least a year or result in death. That's the good news.

The bad news is that the system is plagued by a backlog of cases that cause significant delays for those who have applied for disability benefits. There have been cases where some individuals have died before their cases were even heard; and others who are suffering with debilitating physical and mental disabilities are often forced to wait in agony.


Read more . . .


Wednesday, April 20, 2016

Applying for SSI or SSDI


How does one apply for the government benefits of Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI)?

If you are disabled and unable to work you may feel hopeless, but there are a number of government-administered benefits offered to help those in your situation. Two of these, the SSI and SSDI programs, provide cash benefits to those in need. SSI is a program for those who are low income and disabled, while SSDI provides benefits to those who are disabled with a relevant work history. If your situation fits into either of the above categories, you may be entitled to monthly benefits. In this article, we will cover the basics of the Read more . . .


Thursday, February 18, 2016

FAQ: Understanding Recent Changes to Social Security Claiming Strategies

What changes were made by Congress to Social Security "files and suspend" claims?

In 2015, Congress voted to make some sweeping changes to Social Security laws – primarily those impacting retiring Baby Boomers and their portfolios. The following answers some general questions about the changes.

What are the two major areas impacted by the new legislation?

Under the new Social Security laws, two concepts known as “file and suspend” and “restricted application” will be eliminated as of May 1, 2016. These are known as “claiming strategies,” and are alternatives for retirees who do not wish to fully engage their benefits immediately upon reaching the age of eligibility.

What is “file and suspend?”

File and suspend is a claiming strategy in which one claimant files for full benefits at age 66, but opts to suspend the receipt of the first payment until some point thereafter – accruing retirement credits in the meantime. The option was popular with married couples, as it allowed one spouse to receive heightened monthly benefits while the other’s benefits lingered in suspension. Once the suspended benefits entered distribution, the second spouse would be eligible for a higher monthly payment.

What is a restricted application?

A restricted application is one in which a spouse files for full benefits at age 66, but opts only to receive spousal benefits only – thereby allowing the filer’s personal benefits to grow until age 70.

Are these options totally eliminated?

Anyone having already elected the “file and suspend” claiming strategy is safe, as the rules do not go into effect until May 1, 2016. At that time, file and suspend claims will no longer be an allowed; however, anyone who has reached full retirement age (66) by May 1 may still elect this option, provided the application is submitted by April 29, 2016.

With regard to restricted applications, claimants born on or before January 1, 1954 will still be eligible to elect this option, whereas all others will be prohibited as of May 1, 2016.

If you have questions or need assistance with filing for social security benefits, you should consult with a qualified attorney.


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