7 Mistakes to Avoid When Filing Claim for Social Security Disability
You should also avoid inflating any claims in order to improve your chances of an approval. This can also result in a rejection notice. There are a few exceptions. You need to be able to prove that your disability will keep you from working for at least 12 months. Not only to prove that you suffer from a disability, but that it has or will prevent you from being able to work. When applying for Social Security disability benefits, make sure that you avoid making these common mistakes.
Understanding Spouse’s Benefits
By doing so, your chances of approval will improve significantly. This is especially true if your disability stands in the way of you being able to manage these complexities because of severe pain or physical limitations. Regularly check the status of your claim: Your claim can be denied for simple administrative errors or missing information.
If you routinely check on the status of your claim and communicate with the SSA, you can avoid these mistakes by providing them the correct information when it comes up. Be ready to appeal: Disability claims are often denied, even when they are legitimate. So if you receive a denial, investigate the reason, and then file an appeal right away.
- SIGNS, SIGNALS and CLUES : The Joy of Tracking Your Life in Partnership with Spirit?
- Monkeys – For Kids – Amazing Animal Books for Young Readers!
- FREE Guide: Learn the Right Way to File for Disability Benefits.
- The Complete Handbook of Quantum Healing: An A to Z Self-Healing Guide for Over 100 Common Ailments.
- Educate your inbox.
Your denial may be the result of a simple error that can easily be fixed. Hire an attorney: Social security law is very complex and understanding the application process, the required documentation, and filing an appeal can all be very difficult, especially when you are dealing with an illnesses or injury. A social security attorney can help relieve some of this burden.
However, there is no such provision for Social Security spousal benefits. The rest will need to come from other sources, such as pensions and retirement savings. Far too many Americans make the mistake of assuming Social Security will be all the income they need in retirement. The Social Security formula takes your 35 highest-earning years into account. All of your annual Social Security-taxed earnings are indexed for inflation, and the 35 highest years are averaged to calculate your average indexed monthly earnings, or AIME.
This is the number that plugs into the Social Security formula to determine your benefit. If you have fewer than 35 years of Social Security-covered employment, zeros are used in the calculation, and this can significantly lower your AIME and your benefit. Consider this simplified example. By far, the easiest way to claim Social Security benefits is online. The application on www.
For this reason, you can still apply for benefits over the phone or in person at your nearest Social Security office. However, if you choose the in-person option, be sure to call and make an appointment first. They can be returned in the form of increased benefits once you reach full retirement age. For married couples, Social Security survivors benefits can help protect the lower-earning spouse in the event the higher-earner dies.
10 Things Social Security Won't Tell You
Specifically, if the higher-earner chooses to wait a few years to claim Social Security, not only will they get a higher monthly income, but the lower-earning spouse will be better protected. Did you know that you may need to pay income tax on your Social Security benefits?
In a nutshell, if Social Security is your only significant source of retirement income, your benefits are unlikely to be taxable. On the other hand, if you get a pension, or have significant k income, just to name a couple examples, a portion of your Social Security benefits will be taxed. These are nine common mistakes people make, but they can be rather costly.
Related Eight Mistakes to Avoid When Filing for Social Security Disability Benefits
Copyright 2019 - All Right Reserved