Understanding the Complexity of Social Security Disability Laws and Determinations

 Those who suffer from a medical disability may often find maintaining employment difficult, if not completely impossible. Depending on the specific health condition, restrictions such as the ability to walk, sit or stand for prolonged periods can severely impact career options. Those who require treatments at regular intervals or routinely utilize medical equipment may also find themselves in a similar predicament. However, there are government programs that can help those who are unable to work due to illness or other debility.

Social Security Disability Program

One of the most common programs available to those unable to work due to a disability is governed by the Social Security Administration, (SSA). This disability program is in place for those who have worked and have paid social security taxes but are no longer able to maintain employment due to qualified medical reasons. Those who are eligible for this program receive a monthly benefit that is based upon previous year’s earnings. In some cases, qualified dependents, such as a spouse or child are also eligible to receive this benefit. Under certain circumstances, a widow or widower may receive disability payments as well. As with most government programs, there are criteria that must be met to receive this cash assistance benefit. Therefore, it is important to understand the laws governing SSA Disability and Criteria.

Program Eligibility Criteria

The SSA has very strict requirements in place for those who wish to seek this type of assistance. Some of the requirements include but are not limited to a physician verified disability expected to last a minimum of one year or more, an illness expected to result in death, the inability to continue with previous employment tasks and an inability to adapt to a new employment environment because of disability. In addition to these guidelines, the Social Security Administration also requires that the individual have a minimum amount of work credits. Work credits accrue annually based on income and up to four per year may be earned. The number of credits necessary to receive disability payments changes annually.

Applying for Disability Benefits

As mentioned above, there are strict criteria in place to meet requirements of this government program. One must start with the initial application which may be completed online, by phone or at a local SSA office. The applicant can expect to provide personal identifying information, as well as details regarding the disability for which assistance is being sought. From there, the claim review begins. Disability Determination Services, or simply DDS, collects information from sources to determine if the applicant is disabled. In some cases, the claim may go before an administrative law judge. Those who have previously been denied and have sought legal assistance with social security disability Fredericksburg VA may have their case heard by this type of judge during an appeal. It is not uncommon for the first disability claim to be denied.

Special Considerations and Program Exceptions

Social security disability payments are not strictly limited to the scenarios above. There are special considerations provided to certain groups of individuals. Those who are legally blind, children and armed forces veterans may also be entitled to disability payments. Some of these cases may even allow employment, so long as income requirements are met. There are also programs in place that allow the applicant a speedy determination process. Quick Determination Process and Compassionate Allowances are two such programs that were designed to decrease wait time for benefit eligibility and payment for those who suffer from specific diagnoses or who have a high probability of an approved disability claim.

What is a Chapter 7 Bankruptcy Means Test? 

In 2005, the bankruptcy rules were changed to prevent people from filing the bankruptcy chapter they wanted. Instead, they’re required to file the bankruptcy chapter they could afford. For instance, many people were filing chapter 7, but could afford to file chapter 13. Chapter 7 is a way to eliminate unsecured debts. This means a person isn’t required to repay creditors. However, they could afford to repay their debts via chapter 13. Chapter 13 is called wage earner’s bankruptcy because they are responsible for repaying secured and secured debts every month for three to five years.

What is a Bankruptcy Means Test?

A means test is one way the bankruptcy courts determines whether the person can file chapter 7 or chapter 13. It’s not a standardized test an individual must pass. Instead, it is a test to decide if the person makes enough money to file chapter 7.

Chapter 7 Means Test Varies by State

To determine whether a person can pass the means test, they must determine their household size. Each state has a different median income for each household size. For example, Georgia means test for a household of four people is $68,085.00. This figure is the amount used for a person wanting to file chapter 7 with and are living with three other people. The number is divided by 12 to find out the monthly total for a household size.

Chapter 7 Bankruptcy Means Test Subtracts Monthly Income from Georgia Median Income

A person must add their monthly income. This income includes sources of income such as retirement plans, pensions, business income and rental income. If the person is unemployed expenses, they must add that amount too.

Next, the chapter 7 bankruptcy effingham county ga means test require the individual to add their expenses. These expenses are things such as car payments, mortgage, utilities and childcare. This total is then subtracted from your income total. This is the amount of disposable income.

What is Disposable Income in a Means Test?

Disposable income refers to the amount paid after all monthly expenses are paid. This is the money a person may save or use to pay for coffee or the movies. If a person has disposable income left after their monthly bills are paid, they may not file chapter 7. This means they failed the test because they can afford to use the money left over to pay creditors in a chapter 13.

Talk to an Effingham County Bankruptcy Lawyer about Filing Chapter 7

It’s important to discuss filing chapter 7 with a bankruptcy lawyer. Sometimes a person may complete the means test on their own and file it. They may conclude they can’t file chapter 7. However, that may not be the case. They may not have added all of their expenses or the wrong income. These factors can make a person fail their means test. Chapter 7 is a legal way to eliminate debts. It’s important to do everything right to obtain financial relief.…

Finding Legal Advice That Will Pay To Know

Dealing with lawyers can be a scary, somewhat intimidating experience for many people. The fact is, however, that by acquiring a little bit of education on the subject, you really can feel confident and knowledgeable the next time you need to seek legal advice. Keep reading to get the foundation you need to proceed.

A good tip to keep in mind when thinking about hiring a lawyer is to write down several questions that you wish to ask him or her. You want to find out what their philosophy is and so on, and asking questions will help give you a clear idea about them.

Legal proceedings can often be confusing and complicated when you lack a background in the law, so make sure to let your lawyer know when you are confused or if you a clearer idea of what to expect from your trial. He or she should return your calls in a timely manner.

When looking for a good lawyer, make sure to obtain personal references. Talking to the local community that have experienced issues similar to you. For instance, if you’re a victim of sexual harassment, speak with a women’s group. Ask them about the lawyers they had and what their experiences were like.


Make sure the lawyer you are hiring is suited for your needs. Like medical professionals, lawyers can be general practitioners or dedicated specialists. Know what general legal area your case is in, and narrow your search for a lawyer within that specialization to find someone with focused training and experience.

If you need legal help, don’t necessarily use the lawyer you have worked with in the past. You may need a particular type of attorney, someone who specializes in the type of case you are involved in. Don’t worry, though. A specialist isn’t necessarily expensive, so you should be able to afford what you need.

Legal Aid

You need to see about legal aid if you’re not sure you have the money. There are lawyers out there who will take your case free of charge, or pro bono. These particular lawyers like volunteering some of their spare time. You can often find legal aid offices listed in the white pages.

When looking at lawyers, try volunteer legal organizations. Many states have these organizations that can help you find a reliable lawyer. They usually include minority bar associations and legal aid societies and they may focus on types of income or particular types of law. You can usually find these local organizations by looking at the state bar’s website.

Legal News

Find out all that you can about lawyers that you are interested in. What sorts of legal organizations do they belong to, for example? Bar organizations often help to keep their members informed of the very lastest in legal news. You want a lawyer who stays abreast of current legal trends!

It is certainly the case for many individuals that communicating with lawyers is no simple task. The truth, however, is that if you spend a little time learning about what makes for a good lawyer and how you can deal effectively with those in the legal profession, you can build a mutually beneficial relationship. With any luck, you now have sufficient knowledge to move ahead comfortably.…

The Biggest Mistake Victims Make After a Car Accident

Being the victim in a car accident means you are suffering from serious injuries that need medical attention immediately. Deciding to focus all your efforts on your injuries and not worrying about legal representation leaves the door open for you to risk negatively impacting your financial future. The insurance company has lawyers working hard to apply pressure on you and get you to settle for far less than had you hired a personal injury lawyer to represent you.

These are a few ways an accident attorney Northfield NJ law firm can help to get you the restitution that you deserve in your accident case.

No Risk with an Accident Attorney

The one thing that you don’t have to worry about when you hire an accident attorney to represent your claim is needing to find money to proceed. Your lawyer doesn’t require a penny up front, despite them doing more things than you could afford at this time. Your attorney is paying for you to see the best doctors, paying for investigators to preserve the scene of the accident, and utilizing decades of courtroom experience to build your claim.

The only time you’ll pay is when your lawyer wins the case, their small percentage is deducted from your huge cash settlement win.

Having More Time to Completely Recover

The only job you should have after being involved in the accident is allowing enough time for those injuries to heal. This is not the case when you are stressing over all the details and having to try to connect the dots on your own. Your personal injury attorney is going to allow you to completely recover while they take on the job of being the buffer between you and the insurance company representatives,

Your attorney will track down all your medical records, the police report, and consult with doctors while constructing your case on your behalf.

Building a Claim with the Experts in Your Corner

Your attorney can draw on decades of experience to paint a picture in the court that will give the judge and jury a better indication of what is going on with your case. That being said, the court will only believe so much, that is why your attorney is bringing experts on your behalf to court to back up the claims of your injuries sustained in the car accident. These experts not only are convincing, their testimony carries significant weight in the court.

The insurance company lawyers will have a harder time trying to break those experts. The experts hired to help prove your case are not going to crack under the extreme pressure of the cross-examination of the insurance company lawyers.

By teaming up with a skilled accident attorney, you take your financial future into your hands and will be in the best position win that large cash settlement. Focus your efforts and getting into physical therapy and leave the details of this case to the law firm and their years of experience in these type cases.…

Get To Know What You Need To Know To Find Your Lawyer

Just because a lawyer is well trained does not mean they are the best for your case. This article will provide some insights on how to pick out the right lawyer for your situation. You will be glad you did.

You’ll have to agree with your lawyer on a good meeting time. You do not want to be kept in the dark about what is going on with your case. Establishing a schedule early on will help you avoid these type of problems.

It is hugely important that you know exactly what your lawyer plans to do for you. They should lay it out in writing, preferably, before you sign on the dotted line. If they get you to sign a legal document they have drafted without explaining it, run the other way.

Understand what you can afford. Although you may be extremely confident you will win, you can’t know for certain whether you will or not. Also, even if you did win, how much will it cost you? If you have certain attorneys in mind, do your research on their fee structure. Discuss your budget and the things you need to have accomplished within that budget. Learn what can add to your cost.

If you have been in an accident, do not hire any lawyer that comes to you and tries to solicit your business. This is not only unethical, but it is against the law. You do not want to hire anyone to handle your legal case if you have to worry about their legal ethics.


When you are describing the situation that you are in to your lawyer, refrain from lying. You should be telling them the truth at all times, as this could backfire if you are questioned on the stand and your lawyer does not have all information available. Honesty is the best policy, especially in regards to legal issues.

Make sure the lawyer you are hiring is suited for your needs. Like medical professionals, lawyers can be general practitioners or dedicated specialists. Know what general legal area your case is in, and narrow your search for a lawyer within that specialization to find someone with focused training and experience.

Law School

Make sure to find out who all will be involved with helping to work on your case. What sort of experience do they have? Some may have years of experience, whereas others may be fresh out of law school. How much time is your lawyer anticipating on devoting to your case?

Before you hire a lawyer to take your case, make sure that you look into their credentials. Inquire what law school they graduated from and the states that they took the bar in. This will determine where they are allowed to practice law. You can also look into previous cases that they have won or lost.

It should now be clear that no one lawyer can handle every situation. Do some research and compare all your options before choosing your lawyer. Keep these tips in mind and good luck.…

How Can a Personal Injury Lawyer Secure a Top Cash Settlement?

When you suffer any type of injury at the hands of another party, your only job is to get those injuries attended to while you let the personal injury lawyer handle all the rest. Dealing with your injuries will be challenging enough, you couldn’t possibly handle all the details of your injury lawsuit without negatively impacting the result. Your accident attorney spends countless hours in court defending victims that were injured, and that experience is going to ensure you get adequately compensated today and moving forward. These are a few of the ways a personal injury attorney kansas city mo is going to ensure your future is protected.

Anticipating Trouble Before it Arrives

One advantage to working with a local personal injury lawyer is they have experience in being able to anticipate sticky issues before they have the chance to slow down the case. Your attorney and their law firm bring decades of experience to the table, and with that experience comes the understanding that the insurance company will be using antics to try to avoid having to pay large settlements. Working with your attorney, you’ll be able to see these issues coming and be better prepared instead of acting out of reaction and frustration.

Bringing the Experts to Your Defense

When it comes to proving liability, you had better have overwhelming evidence in your favor if you think you are going to convince a jury you should win a huge cash settlement in your injury lawsuit. The trouble is that even if you were promised to be taken care of by the responsible party or insurance company, in court, things can take a horrible turn when you are helpless without legal representation. The local accident attorney is going to bring several key experts to the court that will show the accident was not your fault and that your injuries warrant the full asking price.

Working on Your Behalf Right Now

If you realize the only way that you are going to win the big cash settlement in your injury lawsuit is with hiring legal help, you have to speak with the attorney about their fees today. Instead of worrying about this money today and debating whether you should try to go at it alone, you need to understand that during your free consultation with the lawyer you could request they work on a contingency fee basis. This means the lawyer isn’t getting paid until they win the case, then they take an agreed upon percentage from the money, so you aren’t burdened today with that pressure.

Your accident attorney is going to make sure that all the finer details are handled by experts at the law firm. They will keep everything on track so that when the court date arrives, your side has the best chance to win. Decades experience and knowledge of these laws will ensure that you have the best chance to not only be compensated today for the injuries you sustained, but your financial future will be protected.…

A Social Security Disability Payment Must Cover the Loss of Personal Autonomy

It is necessary to consider the annual income of a household before a disability if you wish to calculate the value of a social security disability payment. Therefore, you should first take into account the victim’s share of the household earnings. Moreover, when determining the amount of your disability payment you should, therefore, start by identifying the victim’s earnings before the disability.

Remember, the law may also provide for deductibles and the exclusion of specific items when determining the value of your social security disability payments. Moreover, the fact that the disability is due to an accident does not mean that victims or their dependents will not be compensated. Furthermore, you should be aware that the handicap from which the victim remains affected will likely generate a loss or a decrease in income for a spouse and any dependent children.

Moreover, the victims of an accident can sometimes face grave consequences and severe personal injuries. It is also a question of taking into account all the expenses likely to be incurred by the disabled person before you will be able to determine your net income from your social security disability payments. It is therefore only from the assessments by an expert doctor that the victim will then be able to assess the net financial compensation that will be gained from the social security disability program.

Also, the social security disability program must frequently make an offer of compensation either within a few months of the accident or a few months of the victim’s claim for payment unless it can sufficiently justify that the damage is not fully quantified or that the disability is not sufficient. Depending on the case, it may be more appropriate to turn to a highly specialized, state-of-the-art law firm, or on the contrary to switch to a more general law firm with several legal departments in different fields, which can thus aid you throughout the social security disability application process.

A social security disability payment should hopefully cover the loss of personal autonomy that the victim experiences in his daily activities, as well as all the specific functional deficits that remain even after expert treatment for the disability. Remember, the social security disability program compensates for impairments mentioned in the legal nomenclature, which distinguishes between several types of disabilities. Furthermore, you should be aware of all these issues when you deal with a social security disability Fredericksburg VA case.

Furthermore, the social security disability program provides that in the case of several disabilities, and if there are several injuries, the compensation offer is made according to the pertinent laws. It is therefore only from the assessments of the disabilities suffered by the disabled person that an expert doctor will then be able to assess whether financial compensation may be sought from the social security disability program. Also, you should be aware that a network of social security disability lawyers is active throughout the United States. Additionally, they can assist you to comprehend all the disability regulations.…