Wednesday, July 10, 2013

Your Disability Safety Net

Losing the ability to work can be one of the most frightening experiences of a person's life.  Work means security, peace of mind, an assurance of being able to provide for our basic needs.  Losing that ability can be very worrisome because most of us haven't prepared for that possibility.

Fortunately there is a safety net for those who become disabled. It's called Social Security Disability Insurance (SSDI).  We pay for it with taxes deducted from our paychecks, matched by taxes from our employers.  Most Americans who work have paid into the Social Security system and are covered by SSDI.

Social Security disability can pay a benefit of up to $2,500 per month.  The actual amount is based on how long you worked and your average wages.  To receive benefits, you must prove that you are no longer able to perform full-time work due to physical or mental disability.  The rules for a finding of disability are rigid and complex.  About 70% of individuals who apply will be denied because they "do not meet our rules for disability."  These decisions are often made in error and go against the very purpose of Social Security disability programs.  Unfavorable rulings can often be reversed with appropriate appeals.

A disability advocate is a professional who is trained in the Social Security laws and regulations.  He or she knows how to gather evidence, file your claim, and prepare it for appeal if necessary. Studies have shown that people who have professional representation are much more likely to be awarded benefits from SSA. 

At the Forsythe Firm, our advocates are dedicated to making the process of applying for benefits as simple as possible.  In most cases we can deal with Social Security directly, allowing you time to focus on the things that matter to you. We do not charge a fee unless you win your case and collect past due benefits. 

If you have questions about your disability claim, we can help.  Call one of our local offices for free advice. 

(615) 732-6159
Franklin, TN office
      
(256) 799-0297    
Huntsville, AL office  

www.ForsytheDisability.com

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