If Your SSI Was Denied Will Your SSDI be Denied Too?

SSI Vs SSDI if SSI was Denied

SSI and SSDI are both programs for supporting people who have disabilities that stop them from being able to work. 

However, the program that works best for you will be dependent upon a couple of different factors. 

If we break this down a little further, we can fully address the main question: 

If your SSI was denied will your SSDI be denied too?  

SSI Vs SSDI

We broke down the differences between SSI & SSDI in a previous article titled: Is Social Security the Same As Disability?

Here’s an excerpt that will help frame the answer to the question above:

Supplemental Security Income (SSI) is a program through the Social Security Administration (SSA) designed to provide a monetary benefit to Americans who are older than 65, blind, or disabled.  SSI is needs-based, meaning that the beneficiaries must be below a certain asset threshold.  And they must have limited income, and/or income earning potential.

SSI is often paired with Medicaid, administered by individual states.  Recipients of SSI often also qualify for food stamps.

Social Security Disability Insurance (SSDI) is similar to an insurance program you might buy into for the contingency that you might become unable to work due to an injury in the future.  In actual fact, it is essentially just that – an insurance program.  Though, it’s not really opt-in if you’re employed; you pay (or paid) into it through payroll taxes.

The payout for SSDI is typically higher than SSI, but it requires that you have a relatively recent work history, to base the amount of your benefits on.  Beneficiaries become eligible for Medicare after two years of being on SSDI.

Infographic: SSI Vs SSDI

Are You Eligible for SSDI?

The first question to help you understand whether or not your claim for SSDI is likely to be denied (assuming your application for SSI was denied) is, do you meet the eligibility requirements for SSDI?

We’re keeping it simple here, but here are the two basic qualification criteria for SSDI

Have a work history of jobs covered by Social Security (another great article on who is and is not included here as well)

Have a medical condition acknowledged by Social Security as a disability

Notice that none of these requirements are related to your previous income?  Alternatively, to your assets?  Unlike SSI, SSDI is not a means-tested/related benefit.

If you were denied SSI due to an asset issue (too much $ or property), you would not be denied from SSDI for that same reason.  However, you might be denied for other reasons, including not meeting the criteria listed above.


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Find Out Why You Were Denied SSI or SSDI!

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Is There a Reason Why Your SSI Was Denied?

Why Your SSI Was Denied

In addition to assessing your basic eligibility criteria for SSDI, you might want to determine why you were denied for SSI in the first place.

If it is a lack of basic eligibility, that is pretty straightforward.  We covered eligibility for SSDI above, and because there are a lot of “if/else” caveats to SSI eligibility, we will link to the full eligibility criteria for SSI, here, so that you can review them in-depth.

If your reason for being denied SSI is not due to eligibility deficiencies, then we should look elsewhere to assess why you were denied.  Moreover, why you would be looking to SSDI as an alternative to SSI.

It is possible, for instance, that you should have filed for SSDI the whole time and only filed for SSI because of a knowledge gap of the differences between the two programs.  This gaffe does happen, and it is easy to see why! SSI & SSDI have a similar name, similar function, and provide support for similar groups of people.

However, bear in mind you may have been completely correct in filing for SSI in the first place, and were denied for other reasons.

Should you Re-File for SSI? 

Having a better understanding of why your SSI was denied will help you to get perspective on whether you should seek SSDI, re-file for SSI, or file an appeal on SSI.

In reality, if continuing to pursue SSI is the right decision for you, you should file an appeal vs. refile.  Unless, of course, you have missed your deadline to file your appeal.

Lastly, while you are assessing your options, you should re-consider all potential benefits you might be able to obtain.

Consulting with a local advocate or attorney is a good step in the right direction.  They will be able to advise you on likely reasons why your original SSI claim was denied, what to do now, and other benefits you may find value in seeking.

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How to Choose a Social Security Lawyer in Spokane

How to Choose a Social Security Lawyer in Spokane

 

If you’re looking for a Social Security Lawyer in Spokane, WA or northern Idaho here’s a checklist of five things to consider.

    • Are they actually located in Spokane?
    • Are they Connected to the Community of Spokane? 
    • Do they Help You to Understand Your Social Security Claim?
    • Are they an Expert 
    • Are they Approachable?

 

Are they actually located in Spokane?

 

These are perfectly legitimate question to ask any lawyer your considering working with.  Where are you located?  Can I visit you if I have questions?  Can we schedule a time to discuss my case?

It may surprise you to discover that some law firms that advertise in the Spokane area are not from Spokane at all.  In fact, they only rent an office space, just to have a local address.  Shocking, but we covered these types of misdirection in another article, here.

 

Are they Connected to the Community of Spokane? 

 

One of the biggest benefits to working with a local Social Security lawyer is that you benefit from the connections they’ve made in their work.  It’s very common that someone seeking the help of a Social Security lawyer has other support needs that are a natural handoff to someone who has a robust local network.  An excellent local law firm will have a list of, or at least referrals to, other excellent firms and resources available at request.

 

Do they Help You to Understand Your Social Security Claim?

 

It’s very important that you consider the commitment a local law firm places in helping you to understand your Social Security claim.  The process of appealing SSI & SSDI denials can be confusing, and it can be frustrating.  A great blog & newsletter might seem small when you’re first looking into representation, but these will be the first places you look when you want to know more about something like a reconsideration denial.

In a not so subtle way, a firm that commits to educating their clients is a firm that will be committed to bringing them along every step of the way.  So…take a look at that blog & newsletter.  See if it helps you understand your situation?  Does the firm demonstrate awareness, understanding and expertise in the way they break down the things you don’t know?

 

Are they an Expert & Are they Approachable?

 

Ok, this is a two-part criteria, but you’re aiming to find someone that is both of these at once.  An expert that is unapproachable is not going to help you understand your claim.  And an approachable novice is a novice nonetheless.

They say there’s no substitute for experience, and it takes time, commitment, and success to gain that experience.

As for approachability, take a look at the videos on the lawyer’s website.  Look at their social media pages, and check out the reviews.  You’ll get a “gut” sense pretty quickly about whether that lawyer is someone you can relate to, trust, and share your story with.

 

How Lilac City Law Stacks Up to this Criteria

Now that you’ve seen our list, take a deeper look at our firm.

 

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Is Social Security the Same As Disability? 

Do you Know the Difference Between Social Security & Disability?

 

Social Security, disability, SSI, & SSDI get confused a lot.  Unless you spend your time working with these terms, it is hard to make sense of which program is for which need.  Here’s a short description of Social Security and Disability benefits.  And an infographic to help you in understanding the differences.  


 

Social Security & SSI

Supplemental Security Income (SSI) is a program through the Social Security Administration (SSA) designed to provide a monetary benefit to Americans who are older than 65, blind, or disabled.  SSI is needs-based, meaning that the beneficiaries must be below a certain asset threshold.  And they must have limited income, and/or income earning potential.

SSI is often paired with Medicaid, administered by individual states.  Recipients of SSI often also qualify for food stamps.

 

Social Security & SSDI 

Social Security Disability Insurance (SSDI) is similar to an insurance program you might buy into for the contingency that you might become unable to work due to an injury in the future.  In actual fact, it is essentially that – an insurance program.  Though, it’s not really opt-in if you’re employed; you pay (or paid) into it through payroll taxes.

The payout for SSDI is typically higher than SSI, but it requires that you have a relatively recent work history, to base the amount of your benefits on.  Beneficiaries become eligible for Medicare after two years of being on SSDI.

 

Is Social Security the Same As Disability? 

Side by Side Comparison Between SSI & SSDI

 

The confusing issue here is that the term, “disability,” could refer to both SSI & SSDI.  When in fact the two benefits, SSI & SSDI, are for people with different experiences, backgrounds, &  current challenges.  And, in addition, the two programs have different requirements, awards, goals, and funding streams.

So, from a basic terminology perspective, Social Security is Disability, though it can refer to more than just that.  Likewise, disability can refer to either SSI or SSDI, or even some VA & states’ benefits.

Regardless of how mixed up this conversation has gotten you, feel free to reach out for help in understanding the difference in the programs.  You can also browse the rest of our blog for answers to questions like this and others regarding disability.

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How to Choose a Social Security Lawyer

How to Pick a Social Security Lawyer

If you’re in the process of applying for Social Security Disability, or if you’ve already applied and are looking to get a bit more help for an appeal – then the following criteria can help you select the best Social Security lawyer for your case.  

Work With Someone That Makes You Comfortable

A Fear Factor Can Play a Big Role in Your Relationship with Your Attorney

The first and maybe most important factor in picking a Social Security Lawyer is overcoming the initial fear factor of reaching out for help.

Let’s be honest, most of the time the first person called is the attorney with the commercial on TV or that website that shows up on the top of Google.  However, as we’ve learned in our firm, a lot of clients gravitate towards representatives that can understand them.  For instance, if you’re seeking to claim PTSD and already apprehensive about reaching out for help, getting someone on the other end of the phone that has an imposing persona very easily could lead to trouble at many points during the claims process.

A Social Security claim or appeal can be complex, it’s very important that you have confidence in your lawyer, but also that you have the impression that you can communicate with them or their office without worrying about how they might view, judge, or aggravate your impairments.

Be careful to choose a lawyer that doesn’t intimidate you in any way.  You’re going through a tough enough process, keep the barriers to your relationship low and the trust factor high.

Trust w/ Your Social Security Lawyer

Your Lawyer-Client Relationship is Built on Trust

The things that generate trust vary widely from one person to the next.  However, there are some basic principals that everyone can rely upon when determining if a given Social Security Lawyer is trustworthy.

Ratings & Reviews

Avvo is a great tool for getting straight-forward ratings and reviews of attorneys.  They have a proprietary ratings system and review system that they claim can’t be gamed.  This is very important, and as you can imagine, review and rating stuffing is common and sadly something that erodes confidence in any rating system.  

In addition to Avvo, Google provides a great system for getting reviews of all sorts of lawyers, including disability lawyers.  If you do a search for disability lawyers near you, or for a specific disability lawyer, you will likely see their Google ratings & reviews pop-up next to their listing.  This is a bit more crowd-sourced than Avvo but is a very valuable tool for both selecting a great disability lawyer, and for reviewing them after you’ve worked with them.  Here is an example of ratings and reviews using Google.

Videos

The internet has been around for a while at this point.  As have digital cameras.  The old saying “a picture is worth a thousand words” is just as true today as when it was coined.  In fact, it might even be truer today than ever.  Consider how a picture helps to establish rapport and trust.

You want a disability lawyer that shows you they know what they’re doing.   They are respectable and respected.  And they will be the best champion for your fight, right?  That’s why every attorney, doctor, consultant, author, etc. has a professional picture of themselves somewhere on their website.  But one of the biggest problems is that pictures can (and are) staged.  However, an authentic video is much harder to fake.

Check out the prospective disability attorney’s Facebook and YouTube channels.  First off, do they even have social media at all?  And on those channels, see if they have videos sharing insights, talking to clients, answering questions.  Sometimes these videos will also be on the lawyer’s website or blog as well.

Watching how the lawyer answers questions will give you a lot more than a picture – at least in helping you to build an idea of who they are and how they communicate.

Ask yourself, “is this someone that can communicate my challenges, is this someone I can communicate my challenges to?”

A short video will usually give you an enormous amount of insight into answering those questions.

Blogs

When seeking insight into a disability lawyer’s persona don’t forget to look at the extras on their website.  Blogs, especially, will tell you how committed they are to sharing information with you.

Is their website a bunch of short questions with hooks at the end of each one?  If so, how does that help you, as a potential client, to understand the processes involved in your claim?  Alternatively, do they have a wealth of information about all aspects of your claim, and questions you hadn’t even thought to ask yet in their blog or newsletter?  Six months from now when you’re wondering what your chances are of succeeding, this might be exactly what you need to keep your spirits high.

A blog may not be what you initially thought of when thinking, “how do I pick a Social Security lawyer,” but now that you’re in the search, take a look around and see who’s keeping their clients and future clients informed and who’s just fishing for the next client.

Capacity

You Should Feel Like You’re the Only Client

Would you rather be a big fish in a small pond or a small fish in a big pond?  Think about this for a moment.. this is something that can help you to identify what type of disability lawyer or disability law firm to work with.

One might argue that a huge firm with many thousands of cases is big because they are good.  They certainly have the advertising budget to portray that success. However, the continued existence of many hundreds, or even thousands, of community disability lawyers fly in the face of that sentiment.  At the end of the day, you can deal with one bureaucracy (huge firm) to fight another one (SSA), or you can work with a personalized firm who remembers your name when you call.

It comes back to that question, big fish or small fish?  The small fish sometimes has a hard time being heard.

Responsiveness

Communication is Key!

In response to the big fish/small fish question, you do, at some, point want to consider how responsive your disability lawyer will be to your unique needs.  Hint, they have to recognize that you indeed do have unique needs in the first place.

Like a Dr. Office, it’s probably not reasonable that the attorney can stop immediately talking to one patient (client) to take a call from another.  That’s why staff and client liaisons exist.  However, it is reasonable and should be necessary, to have an attorney that is available to talk, within a reasonable amount of time.

Can you call the firm and get a response from the attorney in a reasonable amount of time?  Can you schedule a time to actually come into the firm and talk to the lawyer that’s representing you?  Not everyone can…

Being able to communicate, even briefly, is something you’re going to want to do as a disability hearing approaches.

Helpfulness

The Strength of Our Network is the Strength of Our Work

During the course of your claim (or appeal), there will be curveballs thrown your way.  Whether those curveballs originate from within the claim itself or they happen to come from directions yet unseen, you want someone on your side that “knows someone.”

One of the best things about working with an experienced and established disability lawyer is that you’re also working with their network.  A good lawyer doesn’t gain experience by being an island unto themselves.  They often work with partners in similar fiends to increase the effectiveness of their own services.

To you, the client or future client, this means – that when that curveball arrives you can ask for referrals, assistance, resource information, and things like this.  Or rather, you should be able to.  Unfortunately, this also relies on the idea that your disability lawyer is local, which as we know from previous discussions, is just not always the case.

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