Social Security Disability, SSI & SSDI

Most people learn how social security disability insurance works only after they become disabled. However, statistics show that your chances of being disabled before the age of 67 is 1 in 4. We have helped hundreds of individuals in the greater Bangor area apply for and obtain benefits after they have been denied. If you have been denied social security disability, call us today at (207) 866-5500.

The Social Security disability rules and regulations can be difficult to navigate on your own. Your chances of success are higher if you have an experienced disability lawyer at your side. There is no upfront legal fee and there is no legal fee charged unless we are successful. We don’t get paid unless you win.

socialsecurityThere are generally two types of disability benefits: Social Security Disability Insurance benefits (for individuals who have worked approximately 5 out of the last 10 years and paid into the SS system) and Supplemental Security Income, known as SSI (for individuals who have limited or no earning history). SSI is a welfare, needs based benefit so you must have minimal earnings and assets in order to qualify. SSDI is not means tested; you can be a millionaire and still get SSDI benefits; the amount of the benefits is based on how much you paid into the SS system during your working years. When you call the Social Security Administration to ask about disability benefits, they will determine whether you meet the non-medical requirements for these programs and will process your application accordingly. There are also special rules for benefits that may be payable to disabled widows and children.

Pursuing an application for S.S. Disability or SSI can be a long process. The medical requirements are the same for both programs. It is typically three steps:

  • Step One – You file a disability application, wait about six months and then get denied.
  • Step Two – You file a Request for Reconsideration, wait about another six months and get denied again.
  • Step Three – You Request a Hearing before an Administrative Law Judge. It usually takes 12-16 months to get the hearing date after you request it. Your chances of winning in front of the Judge are approximately 50%. If you have an attorney representing you, you are even more likely to be successful.

Having good medical evidence is absolutely essential to winning your claim. It is important to be working with a doctor who understands your limitations and who supports your claim. Benefits are awarded if your condition “meets or equals” the listing of impairments which have very specific requirements, or if your condition is such that a review of your age, education and past work experience, along with your current limitations, makes it impossible for you to return to any type of employment. The closer you are to retirement age, the more likely you are to be determined disabled.

Years ago it was fairly easy to get awarded SS Disability and SSI benefits. Those days are gone. It has become more and more difficult and complicated to achieve success. Having an experienced disability lawyer at your side will reduce your stress and greatly increase your chances of success. We have been handling SS disability and SSI claims since the 1980s and have attended hundreds of hearings in front of the Administrative Law Judges. Let our experience help you through this process.

We have helped hundreds of individuals in the greater Bangor area apply for and obtain benefits after they have been denied. If you have been denied social security disability, call us today at (207) 866-5500.