Social Security Disability Advocates in Alabama

Social Security Disability (SSD) is a government program that provides financial assistance to individuals who are unable to work due to a disability. This program is run by the Social Security Administration (SSA) and aims to help those with disabilities maintain their basic needs and support themselves financially.

If you reside in Alabama and are facing a disability that prevents you from working, it is important to understand your rights and options when it comes to SSD benefits.

Binder & Binder® is a law firm with experienced advocates for Social Security disability in Alabama who can help you navigate the complex process of applying for and obtaining SSD benefits. We have been representing individuals with disabilities for 75 years and have a deep understanding of the intricacies of SSD law.

Understanding Social Security Disability

Social Security Disability Insurance (SSDI), or simply SSD, is a federal program designed to provide monthly payments to individuals who can’t work due to a disability. Eligibility for SSD benefits is based on the amount of time an individual has worked and paid into Social Security.

In Alabama, the average monthly benefit for SSD recipients in 2024 is $ 1,454.98. This may not seem like much, but it can be crucial in helping individuals with disabilities cover their basic living expenses.

What Qualifies You for Disability in Alabama?

• Have a Disability Defined By the SSA. To qualify for SSD benefits, you must have a disability that meets the SSA’s definition. A disability is considered a physical or mental impairment that prevents an individual from engaging in substantial gainful activity (SGA) and is expected to last for at least 12 months or result in death.
• Meet the Work Credit Requirements. In addition to having a qualifying disability, you must also have worked and paid into Social Security long enough to earn “work credits.” The number of work credits required depends on your age at the time of your disability.
• Be Unable to Perform Substantial Gainful Activity (SGA). If your medical condition prevents you from earning more than $1,550 per month (as of 2024), you may be considered unable to perform SGA and, therefore, eligible for SSD benefits.

How to Apply for Social Security Disability in Alabama

Step 1: Gather Necessary Documents

Collect essential documents, including identification (such as a birth certificate or passport), medical records detailing your disability, work history information, and any other relevant paperwork.

Step 2: Check Eligibility

Verify your eligibility for Social Security Disability (SSD) benefits by reviewing the criteria set forth by the Social Security Administration (SSA). Ensure you meet the requirements related to disability status and work history.

Some of the disabilities that may qualify for SSD benefits include:

• Musculoskeletal system disorders
• Cardiovascular conditions
• Respiratory illnesses
• Mental health disorders

Step 3: Submit Your Application

You can apply for SSD benefits online, by calling their toll-free phone number (1-800-772-1213) or in person at your local SSA office. When completing your application, it is essential to provide accurate and detailed information, as any errors or omissions could delay the process.

Step 4: Medical Evaluation

Undergo a medical evaluation as part of the SSD application process. The SSA may require additional medical assessments to determine the extent of your disability and its impact on your ability to work.

Step 5: Wait for a Decision

After submitting your application and supporting documents, await a decision from the SSA regarding your eligibility for SSD benefits. The SSA will review your case thoroughly before reaching a determination.

Once the SSA reviews your application, you will receive a notification regarding your SSD benefits claim status. This notification will outline whether your application has been approved or denied.

Step 6: Appeal if Necessary

If your initial application is denied, you have the right to appeal the decision. Follow the instructions provided in the denial letter to initiate the appeals process and present additional evidence to support your claim.

Common Reasons SSA Denies SSD Applications

• Insufficient Medical Evidence. Lack of comprehensive medical documentation or evidence to support the severity and impact of the disability on the individual’s ability to work can lead to application denials.
• Engaging in Substantial Gainful Activity. If the SSA determines that the applicant is engaging in SGA and earning above a certain threshold, they may be denied disability benefits.
• Failure to Follow Treatment Plans. Not adhering to prescribed treatment plans or failing to follow medical advice can raise doubts about the severity of the disability, resulting in application denials.
• Inadequate Work History. Insufficient work history or not meeting the required number of work credits for Social Security Disability Insurance (SSDI) eligibility can lead to denials of SSD applications.
• Disability Not Severe Enough. If the SSA determines that the disability does not meet the severity level required for SSD benefits or does not match any listed impairments, the application may be denied.
• Failure to Cooperate. Lack of cooperation during the application process, such as not providing requested information or attending medical evaluations, can result in denials of SSD applications.
• Income Above Thresholds. Exceeding income or asset thresholds for programs like Supplemental Security Income (SSI) can lead to application denials due to financial eligibility criteria.
• Disability Duration. If the SSA believes the disability is not expected to last for a continuous 12-month period or result in death, the application may be denied.
• Improvement in Medical Condition. The application might be denied if the SSA finds evidence suggesting an improvement in the individual’s medical condition, allowing them to engage in substantial gainful activity.
• Failure to Appeal Timely. Failure to appeal a denial within the specified timeframe can result in the closure of the case and denial of benefits. Timely action is crucial in the appeals process.

Should You Hire a Social Security Advocate in Alabama?

The decision to hire Social Security disability advocates in Alabama is a personal one that depends on individual circumstances. However, having an experienced professional on your side can be beneficial when navigating the complex and often overwhelming process of applying for SSD benefits.

A Social Security Disability advocate or a disability representative helps individuals with disabilities file for and receive SSD benefits. They are well-versed in the application process and can assist with gathering necessary documentation, completing forms accurately, and presenting persuasive arguments to support your claim. They can also represent you at hearings if your application is denied and help appeal the decision.

SSD vs. SSI (Supplemental Security Income)

SSD and SSI are two different types of disability benefits offered by the SSA. SSD is available to people who have worked and paid into the Social Security system through payroll taxes. On the other hand, SSI provides financial assistance to individuals with limited income and resources.

Some key differences between SSD and SSI include:

• Eligibility Requirements. To qualify for SSD benefits, you must have a sufficient work history and have contributed to the Social Security system through payroll taxes. In contrast, SSI has no work requirements; eligibility is based on income and assets.
• Monthly Benefit Amount. The individual’s average lifetime earnings determine the monthly benefit for SSD, while SSI provides a standard federal benefit rate adjusted annually for inflation.
• Benefits for Dependents. SSD benefits may also be available to the disabled worker’s dependents, while SSI does not offer dependent benefits.

Let Us Help You

Navigating the Social Security Disability application process can be confusing and overwhelming. While you can apply on your own, it can be beneficial to work with an experienced professional who understands the system and can help you put together a strong application.

If you are considering applying for SSD benefits in Alabama, Binder & Binder® is here to help. Our advocates can assist you with every step of the application process, from gathering necessary documentation to representing you at hearings.

Contact us today to learn more about how we can help you receive the disability claim you deserve!