All About Government Pension Disability Insurance: All About Government Pension Long Term Disability Insurance By Insurance Experts

If you become disabled through injury, sickness, or other circumstances and have not been able to work for a year (long term disability), then you may be eligible for social security disability insurance (SSDI) benefits. If your application is approved, you can collect the social security disablity insurance benefit until age 65 when is the time the benefit is transfered to the pension program.

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Social Security Disability Insurance - Are You Eligible to Make a Claim?
By Sara Fabre

If you become disabled through injury, sickness, or other circumstances and have not been able to work for a year, then you may be eligible for social security disability insurance (SSDI) benefits. However, like any other encompassing public program, finding your way around the social security disability benefits' system on your own can be a difficult and at times exasperating undertaking. Just obtaining the required forms, background information and medical data can become a challenge. Mistakes in completing forms, incorrect or incomplete back-up information, and submittal errors are some of the reasons that claims are initially denied or re-submittals requested. For these and other reasons, you should consider discussing your situation with an SSDI lawyer. SSDI attorneys are experts in social security disability law and in working face-to-face with social security representatives. An SSDI lawyer can help ease you through this vital, but often complex program.

As with any legal issue, it is in your best interest to engage the services of a social security disability insurance lawyer at the beginning of the benefit application process. Initial contact should be made prior reaching the 12th month of your disability so that the discovery process can begin in advance and the critical filing dates can be met. Your SSDI lawyer will advise you of eligibility issues, forms to file and medical and work related information to be obtained so that the submittal of your claim is as complete as possible at the beginning. Your lawyer will also assist you to obtain records and information from employers, hospitals, doctors and other sources in a timely manner. This assistance is especially important if you have previously requested such information and these sources have been slow or reluctant to provide information to which you are legally entitled.

Next, your SSDI lawyer will assist you through the filing process and will assure that filing is properly completed to minimize the possibility of rejection due to the submittal of incorrect claim forms and/or back-up information. Your lawyer will also, if necessary, represent you directly with social security to be sure that your claim is reviewed fairly and efficiently. These are important considerations to be sure that you receive the benefits to which you are legally entitled without time consuming re-submittals or undue delays.

Lastly, a disability insurance lawyer stays with you as your situation changes. Like most entitlement programs, social security disability insurance payments are constantly monitored by social security and benefits can be discontinued at any time for a variety of reasons. Your SSDI lawyer will help you to file the necessary on-going reports and assist you in notifying social security of changes to your condition. They are there to help you maintain your benefits and to work with you to restore payments that have been stopped. An SSDI lawyer is your advocate working with you and social security to be sure that your legal benefits continue.

Whether you are applying for benefits for the first time or if you have been receiving benefits that are now being denied, SSDI lawyers can help you work with social security to secure your benefits while you concentrate on getting back to work.

The attorneys at Oxenburg & Franzel are experts in Pennsylvania social security disability law and have been have been successfully representing SSDI claimants for over 25 years. Whether you are looking for a Philadelphia disability insurance lawyer to assist from the beginning of your claim or to represent you to restore lost benefits or for any other SSDI issue, Oxenburg & Franzel can help. For a consultation with a Philadelphia SSDI lawyer regarding your social security disability insurance issue, contact Oxenburg & Franzel. Let them put their expertise to work for you.

Article Source: http://EzineArticles.com/?expert=Sara_Fabre

What You Should Know About the Social Security Disability Insurance
By Mike Selvon Platinum Quality Author

If you have recently become disabled, then you are probably feeling uncertain about your financial future. One of the first places to turn is to short term disability insurance, which will cover you for a few weeks, or up to six months as you recuperate; unless, of course, you became disabled on-the-job, in which case you'll file for Worker's Compensation Insurance instead.

You can apply for either insurance through the human resources department at your place of employment. If it looks like you'll be out of work for the long haul, you can apply for long term disability insurance through your employer once your short term insurance expires. If you are over 65, then you can apply for Social Security. If you are disabled and not working, then you may still be eligible for Social Security Disability Insurance.

To apply for Social Security Disability benefits/insurance, visit Socialsecurity to fill out an application and then return it to your local social security office, which can be found at Secure Ssa. To fill out the Social Security Disability application, you will need your social security number, your birth certificate, the names, addresses and phone numbers of case workers, doctors, clinics and hospitals that cared for you, along with the dates of care.

Include the names and dosages of medication you're taking, medical records from doctors, therapists, hospitals and clinics, laboratory test results, a summary of your work experience and a copy of your most recent W2. In addition to this basic form, you will also need to fill out other forms about your medical condition, your ability to work and forms giving doctors permission to send information to the government regarding your condition. Since the process can be complicated, some people prefer to schedule an appointment with a caseworker to fill out a Disability Starter Kit at the nearest office by calling 1-800-772-1213.

According to the most recent Social Security Disability Insurance fact sheet, about 62.8% of the recipients are retired beneficiaries in their sixties or older. Another 13% are disabled workers, with an average age of 51. Another 6% are spouses of retired workers, 10% are widows of deceased beneficiaries and 8.2% are children of retired or disabled workers or who are themselves disabled.

Statistically, 75% of the recipients are white, 18% are black and 7% are other ethnicities. Two-thirds of the beneficiaries are 50-64. Of all disabled workers, just over 27% have been diagnosed with mental disorders other than retardation and fewer than 25% have musculoskeletal disabilities. Only 1 in 500 workers receiving a social security disability benefit ever return to work.

If approved for Social Security Disability Insurance, they will use a formula to determine exactly how much you will receive. As of May 2009, the average disabled beneficiary of SSDI was bringing in $1,062 per month. If necessary, these individuals could be awarded an additional $284 for a dependent spouse and $318.30 for a child under 18. The disability determination services office is often flooded with applicants, so this process can take anywhere from 90 days to over a year to go through. This may seem outrageous for someone who is truly in need, but consider that in March 2007, there was a backlog of 1,463,153 applications awaiting approval.

Educate yourself further about the disability form from Mike Selvon articles portal and download your free audio gift on the disability application.

Article Source: http://EzineArticles.com/?expert=Mike_Selvon

What You Should Know When Applying For Social Security Disability Benefits
By Mike Selvon Platinum Quality Author

There is a certain stigma against the disabled in this country that leaves people feeling like second-class citizens if they need a little help paying their living expenses due to an injury or illness. While it may not be preferable for you to go on the public dole, you'll be happy to know that it is possible for a person to collect social security disability benefits and still work part-time at a job. As long as you make less than $980/month at your job, you can collect SSDI benefits from the Social Security Administration as well.

The first step to applying for social security disability benefits is to visit your local Social Security office, call 1-800-772-1213 or visit SSA to fill out a social security disability application and adult work history form. Once you file your initial disability insurance claim, you'll need to wait 90 to 120 days for a decision. Since there are millions of applications submitted each year and no mandated deadlines, you could feasibly wait even longer. Your claim will be reviewed to see if you fit all the qualifications. Generally speaking, for SSDI benefits, you must have worked 5 out of the last 10 years, you must fit their classification of "disabled" and you must not make more than $980/month (as of May 2009).

The next stage of applying for social security disability benefits occurs if your application is rejected. Approximately 64% of all applicants are initially denied assistance, so you shouldn't take it to heart and give up. By law, you are entitled to file a social security disability appeal and request reconsideration. During the reconsideration, an administrator will look over your files again.

Sometimes circumstances change and another 14% of claimants get approved this way. If you are still denied, then you can file a second appeal that is called a "request for hearing," which will have you meet with an administrative law judge within 50 miles of your home. Over 60% of the people who appear at a hearing get approved, so it often pays to persevere, and get a lawyer!

When filing for disability, you should plan on making several appeals before your case is won and your social security disability benefits are awarded. This means that it could take more than a year to finish the process. In the meantime, you will need to be conscientious about not incurring new debts and in restructuring existing debts. You may also need to apply for other aid programs like food stamps, HEAP or prescription drug assistance programs as you wait.

Educate yourself further about the disability form from Mike Selvon articles portal and download your free audio gift on the disability application.

Article Source: http://EzineArticles.com/?expert=Mike_Selvon

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