Social Security Disability Advocates in Iowa

Social Security Disability Insurance (SSDI or simply SSD) and Supplemental Security Income (SSI) are vital programs that provide financial assistance to individuals with disabilities who cannot work. However, applying for these benefits can be overwhelming and may require the assistance of a knowledgeable advocate.

Binder & Binder® is a reputable law firm with a team of experienced advocates for Social Security disability in Iowa. For over 40 years, we have guided individuals across the state and country to secure the SSD benefits they deserve. We have heard the same stories about how the claims process can be confusing, frustrating, and disheartening. That’s why we are here to help make it easier for you.

Understanding Social Security Disability

SSD is a federal program that provides monthly benefits to individuals who have paid into the Social Security system through their payroll taxes. These benefits are for those who meet the definition of disability set by the Social Security Administration (SSA). The amount can help pay for everyday expenses like food, rent, and medical care.

It’s important to note that SSI differs from SSD in that it’s a needs-based program for individuals with limited income and resources. However, both programs require the individual to be disabled according to SSA’s definition. Also, one can receive both SSD and SSI benefits, known as concurrent benefits.

What Qualifies You for Disability in Iowa?

• Medical Eligibility. Applicants must have a severe medical condition (including mental impairments) that meets the SSA’s definition of disability. The impairment should prevent individuals from engaging in substantial gainful activity (SGA) and must be expected to last for at least 12 months or result in death. SGA means that an individual cannot earn more than a certain amount per month from work. See the SSA’s complete List of Impairments.
• Work Credits. To be eligible for SSD, individuals must have earned enough work credits by paying Social Security taxes through their employment. The number of credits required depends on the individual’s age when they became disabled.
• Non-Medical Eligibility. In addition to medical eligibility, other non-medical factors such as age, income, and resources are considered when applying for SSI benefits.

How to Apply for Social Security Disability in Iowa?

Step 1: Gather Necessary Documents

To apply for SSD, you will need to provide personal information, such as:

• Personal Identification. This includes your Social Security number, birth certificate, and proof of age.
• Tax Documents. You will need to provide W-2 forms or self-employment tax returns for the past year.
• Medical Records. It’s crucial to have medical evidence that supports your disability claim. This includes doctor’s reports, test results, and any other relevant medical records.

Step 2: Complete an Application

Before submitting an application, ensure you are an eligible candidate. You can apply in one of three ways:

• Online at the SSA website
• By calling their toll-free number at 1-800-772-1213
• In person at a local Social Security office (Click here to find a field office near you by entering your ZIP code)

Step 3: Attend Medical Evaluation (If Necessary)

The SSA may request that you attend a medical evaluation to determine the extent of your disability. This is usually done when there isn’t enough medical evidence in your file.

Step 4: Wait for a Decision

After submitting your application, a decision can take six to eight months. If approved, you will receive a notice outlining your benefit amount and when it will start. Otherwise, you have the right to appeal the decision.

Step 5: Appeal (If Necessary)

There are four levels of appeal:

• Reconsideration. This is the first level of appeal, where a different examiner reviews your case.
• Hearing. You can request an in-person hearing with an administrative law judge (ALJ) if denied at reconsideration.
• Appeals Council. If the ALJ denies your claim, you can request a review by the Appeals Council.
• Federal Court. The final level is to file a lawsuit in federal district court.

How Much Does Disability Pay in Iowa?

As of 2024, the average monthly SSD benefit in Iowa is 1,412.23. The amount you receive can depend on various factors, including your earnings before you became disabled and any other income you may have.

For easier calculation of estimates of how much you can receive from your SSD benefits, you can create a mySocialSecurity account and use the SSA’s benefit calculator.

Also, starting January 2024, benefits will increase ($48) due to the cost-of-living adjustment (COLA).

Reasons Why Your SSD Claims May Be Denied

If you have tried to file for SSD benefits in Iowa on your own and were denied, you may be wondering why. Here are some common reasons why the SSA may deny your claim:

• Your Disability Doesn’t Meet SSA’s Definition. If your medical condition doesn’t meet the criteria of a disability or if it isn’t severe enough, you will not qualify for SSD benefits.
• You Didn’t Follow Prescribed Treatment Plans. The SSA expects individuals applying for disability benefits to follow their doctor’s treatment plans. Failure to do so may result in a denial.
• Insufficient Medical Evidence. As mentioned earlier, having sufficient medical evidence is crucial when applying for SSD benefits. Without proper documentation, the SSA may not be able to determine the extent of your disability.
• Earned Too Much Money. Remember, to be eligible for SSD benefits, you must be unable to engage in substantial gainful activity (SGA). Your claim may be denied if you earned more than a certain amount per month while applying for benefits.

However, don’t be discouraged if you receive a denial. Many claims are initially denied but approved later on appeal with the help of an experienced advocate.

Should I Hire Disability Advocates in Iowa?

While you can apply for SSD benefits on your own, hiring an experienced Social Security advocate in Iowa can significantly increase your chances of being approved. Here are some benefits of hiring one:

• Knowledge and Experience. A Social Security advocate in Iowa is well-versed in the application process, knows the SSA’s rules and regulations, and can guide you through each step.
• Detailed Understanding of Medical Evidence. Advocates know what medical evidence is required to support a disability claim and can help gather it for you.
• Appeal Assistance. Advocates can assist with the appeals process if your initial application is denied and represent you at hearings.
• Better Chances of Approval. With an advocate on your side, your chances of being approved for benefits increase significantly.
• They Work on a Contingency Basis. Most advocates work on a contingency basis, meaning they only get paid if you win your case.

Let Our Experienced Disability Advocates in Iowa Help You Receive Your Benefits

With over 40 years of experience and thousands of clients we have helped in Iowa and nationwide, Binder & Binder® is here to provide you with the best representation possible. We can assist you throughout the application process with the knowledge, resources, and skills we have learned since our practice opened in 1975.

Contact us today to schedule a free consultation!