Disability Benefits Application Guide

Practical Guide To Social Security Disability

A Practical Guide to Social Security Disability Benefits, written by a Michelle Toole who went through the entire process herself when she became seriously ill and had to apply for Social Security Disability Benefits, clearly outlines all the pitfalls of the application process. This is her first book and she has written it from her home since she has not totally recovered from her condition. She wrote it because she knew the frustrations and time-consuming reams of paperwork that a disabled person must go through in order to gain disability benefits. A Practical Guide to Social Security Disability Benefits walks you through the entire process so you know what to expect and what to do to get your disability benefits in as short a time as possible. You'll learn about what case workers look for, what questions they ask, how to fill out applications, what forms you need and much more. Millions of others spend months and even years trying to get benefits, so Toole's accomplishment is impressive! If you're trying to get benefits but have been denied, A Practical Guide to Social Security Disability Benefits is just the guide you need.

Practical Guide To Social Security Disability Summary


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Author: Michelle Toole
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Organization of services

Many of the problems identified in a comprehensive assessment are social rather than psychiatric, and require practical interventions accordingly. For example, a depressed patient living alone in poor accommodation will be unlikely to make a good recovery with antidepressant medication alone. Attending a day centre might combat loneliness and improve nutrition, and a social worker would advise about housing and social security benefits.

Public Pension Programs

The Civil Service Retirement program, managed by the U.S. Civil Service Commission, is the principal retirement system for federal civilian employees and is financed by employee contributions matched by the employing agency plus congressional appropriations. Under this program, monthly retirement benefits based on past earnings and length of service are paid to eligible retirees and their survivors. The Railroad Retirement Program, managed by the Railroad Retirement Board, is financed by a payroll tax on railroad employees and employers. Monthly benefits are paid to retired workers, their wives, and survivors. Only employees with 10 or more years of railroad service are eligible otherwise, their claims are transferred to the Social Security Administration. The Veterans Pension Program, managed by the Veterans Administration, which is the modern-day descendent of the first federal pensions granted in 1792 to veterans of the American Revolution, provides monthly cash benefits to...

Older Adult Consumers

Only about half of the age-65-and-over population pay any income tax at all, and the tax rate for those who do averages around 14 . However, above a certain income level, even Social Security benefits are taxed, and a certain portion of those benefits are withheld when the individual's earned income is above a specified maximum.

Gerald P Koocher And Celiane M Reycasserly

Psychological assessment is unique among the services provided by professional psychologists. Unlike psychotherapy, in which clients may come seeking help for themselves, psychological evaluation services are seldom performed solely at the request of a single individual. In the most common circumstances, people are referred to psychologists for assessment by third parties with questions about school performance, suitability for potential employment, disability status, competence to stand trial, or differential clinical diagnosis. The referring parties are invariably seeking answers to questions with varying degrees of specificity, and these answers may or may not be scientifically addressable via the analysis of psychometric data. In addition, the people being tested may benefit (e.g., obtain remedial help, collect damages, or gain a job offer) or suffer (e.g., lose disability benefits, lose custody of a child, or face imprisonment) as a consequence of the assessment, no matter how...

Barriers To Health Care

A number of other benefits are unavailable to same-sex couples because the federal government does not recognize their relationships. For instance, Medicaid regulations permit married couples to retain a jointly owned house without jeopardizing the other's right to Medicaid coverage, and married couples receive a spouse's Social Security benefits following his or her death. Wrongful death claims and pensions may also be unavailable to same-sex partners, and a partner's retirement benefits, if they can be claimed at all, are taxed. The Family Medical Leave Act expressly defines family to exclude same-sex couples hindering the ability of LGB people to care for their partners, children and other family members. The lack of recognition of same-sex partnerships poses myriad other problems, from denial of hospital visitation and medical decision-making rights to prohibiting partners from being placed in the same nursing home. Such institutional discrimination leaves LGBT seniors...

Program Financing Beneficiary Liabilities and Provider Payments

Part A also receives income from the following sources (1) a portion of the income taxes levied on Social Security benefits paid to high-income beneficiaries (2) premiums from certain persons who are not otherwise eligible and choose to enroll voluntarily (3) reimbursements from the general fund of the U.S. Treasury for the cost of providing Part A coverage to certain aged persons who retired when Part A began and thus were unable to earn sufficient quarters of coverage (and those Federal retirees similarly unable to earn sufficient quarters of Medicare-qualified Federal employment) (4) interest earnings on its invested assets and (5) other small miscellaneous income sources. The taxes paid each year are used mainly to pay benefits for current beneficiaries. There are no premiums for most people covered by Part A. Eligibility is generally earned through the work experience of the beneficiary or of his or her spouse. However, most aged people who are otherwise ineligible for...

Potential Strategies To Improve The Health Of Homeless People

Serious attention needs to be paid to the impact of the social welfare system on homelessness and health. Restrictions in eligibility for Temporary Aid for Needy Families and state-run welfare programs threaten to contribute to a potential rise in homelessness among families and single adults in coming years. Further research is needed in this area and on the impact of receipt of welfare or disability benefits on the health of homeless people.

Social Welfare System

One area of controversy is whether the provision of cash entitlements or disability benefits has significant effects on the health of homeless people. On one hand, the health of homeless people should improve if public benefits allow them to obtain food, housing, and other essentials of life. On the other hand, increased income could be detrimental to health if the money is used to purchase alcohol or drugs. One of the few studies on this issue examined 173 homeless mentally ill veterans who applied for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). The 50 individuals who were eventually awarded benefits did not differ in their past history of substance use from the 123 individuals who were eventually denied benefits. Three months after the decision to award or deny benefits, the group that was awarded benefits had significantly higher average total income (by 277 per month) and higher quality of life than the group that was denied benefits. There...

Legal Assistance to the Elderly

Organization, the Legal Services Corporation, in cooperation with the National Senior Citizens Law Center, provides assistance and support to attorneys and paralegals throughout the nation. Several American universities have also established legal service centers to help older adults cope with governmental and private-sector bureaucracies. Professional organizations, such as the American Bar Association, the National Academy of Elder Law Attorneys, and the National Elder Law Foundation,5 have contributed to the establishment of certification programs and procedures for attorneys specializing in the provision of legal assistance to older Americans. Many attorneys who specialize in such services focus on poor and middle-income older adults who require assistance in maintaining income, health, housing, and autonomy. More specifically, they deal with a host of legal problems ranging from faulty automobile repairs, bothersome door-to-door salesmen, writing a simple will, missing Social...

Subcommittee on Social Security

Disability Program Reform and Oversight. The Subcommittee intends to hold hearings on the Social Security Disability Insurance (DI) program, including the Social Security Administration's (SSA's) implementation of the Ticket to Work and Work Incentives Improvement Act (P.L. 160-170) oversight of SSA's disability program management, including efforts to improve workload processing at both the initial application and appeals levels.

The familiality of exceptional longevity

To further explore the genetic aspects of exceptional old age, we recently studied 444 centenarian pedigrees containing 2092 siblings (Perls et al., 2002b). We compared sibling death rates and survival probabilities with national US death rates and survival probabilities according to the Social Security Administration's life table for the cohort born in 1900. Compared with the 1900 birth cohort, the siblings of centenarians maintained a lifelong reduction in risk for death of approximately one half, even up through very old age.

The relative contributions of genes environment and luck to how we age

Figure 8.1 Relative mortality of male and female siblings of centenarians compared with birth cohort-matched individuals (controls) from the general American population (survival experience of the controls comes from the Social Security Administration's 1900 birth cohort life table). Figure 8.1 Relative mortality of male and female siblings of centenarians compared with birth cohort-matched individuals (controls) from the general American population (survival experience of the controls comes from the Social Security Administration's 1900 birth cohort life table).

Familiality Of Exceptional Longevity

Perls, Wilmoth, and colleagues (2002) analyzed the pedigrees of 444 centenarian families in the United States that included 2,092 siblings of centenarians. Survival was compared to 1900 birth cohort survival data from the U.S. Social Security Administration. As shown in Figure 47.1, female siblings had death rates at all ages that were about one-half the national level male siblings had a similar advantage at most ages, though diminished somewhat during adolescence and young adulthood.


Part A is generally provided automatically, and free of premiums, to persons age 65 or over who are eligible for Social Security or Railroad Retirement benefits, whether they have claimed these monthly cash benefits or not. Also, workers and their spouses with a sufficient period of Medicare-only coverage in Federal, State, or local government employment are eligible beginning at age 65. Similarly, individuals who have been entitled to Social Security or Railroad Retirement disability benefits for at least 24 months, and government employees with Medicare-only coverage who have been disabled for more than 29 months, are entitled to Part A benefits. Part A coverage is also provided to insured workers with ESRD (and to insured workers' spouses and children with ESRD), as well as to some otherwise ineligible aged and disabled beneficiaries who voluntarily pay a monthly premium for their coverage. In 2003, Part A provided protection against the costs of hospital and specific other medical...


An estimated 50 of all couples living together in heterosexual relationships today are nonmarried cohabitants. Most of these relationships are fairly short-term arrangements that end in either marriage or separation, whereas others may last for years (Macklin, 1988). In some instances, the cohabiting couple decides to forego a traditional marriage ceremony and become common-law partners by declaring themselves to be married. They combine their assets, file joint tax returns, and can only dissolve their common-law marriage by divorce or death. In states that recognize common-law marriages, the spouses can collect insurance, social security benefits, and community property after a stipulated time has expired. However, fraudulent claims resulting from common-law marriages have led many states to outlaw them (Marriage, 1993).

Sources of Income

On the job but also with the perceived value of the job to the hiring organization and society as a whole. Of the 188 million Americans over age 14 receiving incomes in 1995, approximately 75 (140 million) had earned incomes. However, anyone who has attempted to complete an income tax form knows that gainful employment is not the only source of income. Depending on their age and status, people may receive income from any of the sources listed in Figure 10-2. As shown in this figure, many people have interest, Social Security, dividend, and pension income. Smaller numbers of people receive substantial amounts of income from survivors' benefits, disability benefits, alimony, workers' compensation, and other sources ((U.S. Bureau of the Census, 1996).

Indirect Costs

Indirect costs are the reduction in the level of economic activity due to the illness and premature death attributable to obesity. The economic activity is generally considered to be that captured by the gross domestic product (GDP) statistic. Examples are the wages and productivity lost due to sickness and absenteeism produced by obesity or the loss of productivity due to the mechanical difficulties caused by obesity which reduce the efficiency of performing a task. Other factors contributing to the indirect costs of obesity are the disability pensions which are paid because of obesity or its associated conditions and the loss of productivity produced by the premature deaths due to obesity. There are several ways to calculate this cost and it is more difficult to do and more varied in outcome than the health care (or direct) costs.