SSI Income Limits: How Much is Too Much?

To qualify for Supplemental Security Insurance (SSI), your household income must fall under both the income and resource limits.

Income is money you earn such as a salary or other wages and other forms of income, such as unemployment or workman’s compensation benefits.  However, Social Security does not count all benefits.  For example, food stamps and housing assistance from a nonprofit organization will not count towards your income.

To get an exact amount, please call the Social Security Administration at 1-800-772-1213.  If you are married, please keep in mind that a portion of your spouse’s income and resources will count towards your household income.  A portion of a parent’s income will count towards a child’s SSI application as well.

Resources are items that you own.  For example, resources may include rental homes, two or more vehicles, and stocks.  Your resources cannot exceed $2000 as an individual or $3000 per couple.  Not all things you own will count as resources.  For example, one vehicle, the home you live in, and life insurance policies with a face value of less than $1500 will not count against you when applying for SSI.

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Appealing a Social Security Disability Decision

If you receive a letter denying your disability benefits the letter should also include instructions on how to appeal.  You must appeal within 60 days from the date of the decision.  It’s best to appeal as soon as possible rather than waiting for the deadline to approach.

Failing to appeal a denial of your benefits is a common and often critical mistake.  Appealing preserves your eligibility for past due benefits, also called the back award.  Appealing also increases the chances of winning your case.

If you don’t meet the appeal deadline then the denial may become permanent under the legal doctrine of res judicata, Latin for “a matter judged”. Social Security may hold that you were not disabled up to the date of the decision.  In this event if you are awarded disability benefits on a later application you will only be able to collect benefits for the time period running after the date of the denial.

Appealing when you are denied on Reconsideration greatly increases the chances of winning your case.  Most cases heard by a disability judge are awarded.  This is a crucial fact.  To understand why, we have to look at the steps of Social Security disability adjudication before the disability judge hearing level.

The first decision on a disability claim is made by a Disability Examiner.  The Disability Examiner reviews the medical records and other paperwork in your application before making a decision.  This first decision is usually a denial.  If the case is appealed it is sent to another Disability Examiner for a second decision, which is also usually a denial.

If the case is appealed again it is sent to an Office of Disability Adjudication and Review (ODAR) hearing office for a hearing with a disability judge.  The judge assigned to the case schedules a live hearing.  At the hearing you provide testimony to the judge.  Your disability attorney (if you have one) appears with you to present your case and make legal arguments.

Disability judges are independent.  They are not pressured to award or deny a certain percentage of cases.  They are usually better trained than a Disability Examiner.  Also, being able to speak to the judge live with the assistance of an attorney can help your case tremendously.  Sometimes the medical records and paperwork aren’t enough.  To really understand a disability claim it’s necessary to talk to the person who is suffering through the disability.   Unfortunately, you don’t get the opportunity to speak to a judge unless you appeal the first two denials on your claim.

If the judge denies your case then the next step is an appeal to the Appeals Council.  Some attorneys won’t appeal to the Appeals Council since it is a difficult process.  Before hiring an attorney ask them if they appeal hearing denials to the Appeals Council level.

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Preparing for your Social Security Disability Hearing

A Social Security disability hearing can be an intimidating process if you are not familiar with Social Security’s rules and regulations.  If your case gets to a hearing before an Administrative Law Judge (“ALJ”), it is best for you to hire an attorney well versed in hearing procedures to represent you in your claim.

Aside from hiring an attorney, the next best preparation is to gather medical evidence for yourself.  Write your health care providers to obtain all your medical records so that the ALJ will have a clear picture of your condition.  Any letters or forms that your treating physicians, specialists, or counselors write on your behalf regarding the severity and functional limitations of your impairment will help your claim to be approved.  There may be a medical expert present at the hearing, but this is not always true and the expert may not help prove your claim.

It is also important to gather a history of your jobs within the last fifteen years along with a detailed description of your job duties.  There may also be a vocational expert in the hearing and any assistance you can offer this expert in classifying your previous work will help your claim, as long as you can show that you can no longer perform the work you used to do.

After conducting the hearing, the ALJ will review all the evidence, including your testimony, and will issue a decision within a matter of months.  Without a representative, the hearing can be very stressful and can leave you feeling as though you didn’t have a say in presenting your claim.  Again, it is recommended that you hire an attorney to work to present your claim and to answer any questions you have before, during and after the hearing.

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Do Adults Win Social Security Disability Easier Than Children?

The Social Security Administration (SSA) has different rules for considering claims filed by adults than they do for children’s cases.  When an adult files for social security benefits, the following definition of disability is applied:  An individual shall be considered disabled if he is unable to engage in substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in death or which has lasted or can be expected to last for a continuous period of not less than twelve months.

When a child applies for social security benefits, the following definition of disability is applied:  If you are under 18, we will consider you disabled if you have a medically determinable physical or mental impairment or combination of impairments that causes marked and severe functional limitations, and that can be expected to result in death or that has lasted or can be expected to last for a continuous period of not less than twelve months.

The definitions of disability for a child vs an adult are not the same and therefore different questions are asked in evaluating disability for adults and children.  The legal standard to prove a child’s case for benefits is actually more severe and therefore it is not as easy to establish that a child is disabled under SSA’s rules.  So adults generally have an easier time proving disability than the harder to prove children cases.

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