March 2010 Archives

March 19, 2010

Social Security Disability Benefits---Part 2 of 3: Returning to Work But Keeping Your Benefits

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In my last blog entry, I discussed how a claimant's return to work while his or her Social Security Disability application is pending will not necessarily preclude an award of benefits. This may happen when medical improvement occurs, allowing the applicant to successfully re-enter the workplace. What happens if that medical improvement doesn't occur until after the claimant is already receiving Social Security benefits?

As previously noted, an award of Social Security benefits is by no means a declaration of permanency. In fact, the Social Security Administration offers incentives for attempting to return to work without fear of losing your monthly benefits. Any recipient of Social Security benefits will tell you that the monthly benefit amounts, while helpful, do little more than cover basic costs of living expenses.

There can be any number of reasons a disabled individual may want to attempt to work, but often it has a lot to do with finances. However, it is understandable that one may worry about losing the security of a monthly disability benefit by trying to work. Fortunately, the Administration's rules allow for a recipient to engage in a "trial work period" during which he or she may work and receive benefits. Nine trial work months are allocated to those receiving disability benefits, and they may be used consecutively or non-consecutively. While disability beneficiaries are obligated to notify the Social Security Administration of any work activity, it is especially important to do so after nine months, or risk owing the Administration money.

It bears noting that there are circumstances under which one may receive disability benefits without exhausting any trial work months, if earnings are minimal or special accommodations are made related to the work activity. An attorney who specializes in Social Security Disability and Supplemental Security Income is always one of the best people to consult if you have questions about work activity while receiving disability benefits.

For more information on returning to work, check out the article by Lew Insler and Gabe Hermann, entitled "7 Things You Need to Know Before You Return to Work."

Brian Anson

March 11, 2010

Social Security Disability Benefits---Part 1 of 3: When Your Disability is Temporary

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A common misconception among some Social Security claimants is that in order to receive benefits one must be "permanently disabled." Conversely, some recipients believe that once they are deemed "disabled" by the Social Security Administration, they are considered "permanently disabled." While many medical conditions may very well be permanent, a determination by the Administration does not guarantee lifetime eligibility. The ramifications of this fact are significant. In this, the first part in a series, I will discuss "temporary" disability and the availability of benefits for those who are out of work due to a medical condition but have every intention of returning to work at some point in the future.

Frequently, people become unable to work because of an injury, be it work-related or not. Often, the road to recovery involves surgical intervention. Depending on the nature and severity of the injury, it is perfectly reasonable that an individual will be unable to work until sometime after surgery and post-operative treatment is completed.

Social Security's regulations say that a claimant for benefits may be eligible if his or her medical condition will prevent him or her from working for a period of at least twelve months. Eligibility can also be found if that medical condition can be expected to prevent one from working for at least twelve months. A treating physician is generally the best person to determine the duration, or anticipation duration, of a disabling medical condition.

Those individuals who may anticipate a return to work following the onset of a disability should absolutely consult with a Social Security Disability attorney. That attorney will be in the best position to advise you as to your options. "Closed periods" of disability may very well be awarded to cover a claimant for only the actual time lost, assuming it is at least twelve months. As such, an anticipated return to the workforce should not act as a bar to an inquiry into eligibility for Social Security Disability benefits.

Brian Anson