Social Security Disability

Understanding Long-term Disability Repayment

It can happen that the Social Security Administration (SSA) will overpay a beneficiary, and may ask for long-term disability repayment. According to the website of the Hankey Law Office, P.C., a law firm in Indianapolis, Indiana is one of the states with the lowest approval rates compared to the national average. The most common reasons for an overpayment are:

  • Failure to inform the SSA of changes in your financial situation
  • Marriage
  • Improvements in physical disability
  • Return to work or increase in income
  • Errors made by SSA in computation or double payment of benefits

In Indiana, the Social Security Disability Insurance (SSDI) benefits of a claimant are based on the determination of the state’s Disability Determination Service Bureau, but they can make mistakes in approval as well as denial. When the SSA eventually learns of the overpayment, they will send a letter to explain why an overpayment was made and request a long-term disability repayment. Even when the overpayment is not your fault, you are still obliged to pay it back unless you can get a partial or full waiver. The letter should also specify your options for payment and the right to appeal both the overpayment and long-term disability and request a waiver if:

  • It will represent a hardship for you to repay the amount overpaid
  • You do not believe it was an overpayment

However, it is important to communicate your concerns with the SSA as soon as possible. Ignoring the letter may result in wage garnishment or asset seizure to cover the amount owed. The SSA will always work with a beneficiary to make long-term disability repayment as painless as possible, but still it may be a stressful and difficult process.

If you are disputing the overpayment claim, or requesting a waiver, you may have to go through a complex process that is not always easy for a layman to make sense of. It would be best to consult with a long-term disability lawyer in Indiana to assist in your case.

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Social Security Benefits for Those Living with a Disability

Living with a disability can be financially challenging, as it may be difficult to receive the treatment you need while continuing to support yourself and your family.  Often, individuals with disabilities are unable to work at all, in which case, maintaining financial stability may seem all but impossible.
Fortunately, the Social Security Administration has several programs in place to support those who are in need of financial assistance after a disability has made it difficult or impossible for them to work.  By applying for Social Security disability benefits, many people may be able to secure the assistance they need to make ends meet despite their inability to continue working.

How Social Security Disability Benefits Work

If a person is unable to continue working because of an injury or illness, they may qualify for Social Security benefits.  The Social Security Administration (SSA) has a list of disabilities that commonly qualify for financial support, which includes:

  • Herniated discs
  • Multiple sclerosis
  • Schizophrenia
  • HIV/AIDS
  • Arthritis
  • Epilepsy
  • Blindness
  • Respiratory diseases
  • Musculoskeletal conditions
  • Cardiovascular conditions
  • Immune system deficiencies

These are by no means the only issues that may qualify a person for Social Security disability benefits, but if you are unable to work because of any of the conditions listed above, it may be worthwhile for you to look into filing for Social Security disability benefits.

Once a person has applied for benefits, they can expect to hear back within a short amount of time.  Frustratingly, in many cases, applicants will receive an initial rejection letter, however there are multiple levels of appeals available to those in need.  If your application is rejected, do not give up and do not reapply. Instead, you should appeal the initial rejection. Social Security applications are complicated and often require several appeals before they are approved.

Improving Your Odds

If you are interested in applying for Social Security disability benefits and want to simplify the application process as much as possible, the following tips may be helpful:

  • Keep your medical records handy—The more information you can provide the SSA, the easier it will be to prove your disability and get things filed completely on your first submission.
  • Stay persistent—The process can take months to complete, but by following up with your application and appealing any rejections, you may be able to secure the assistance you need.
  • Consider working with a professional—A Social Security Disability lawyer can help you and your loved ones deal with this challenging process and keep you up to date with any issues as they arise.

A successful Social Security disability claim can make it much easier for you to make ends meet despite being unable to work, so it is worth it to stay persistent even if you aren’t approved right away.

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