Disability & Personal Injury Cases

Getting hurt in a car, motorcycle, or trucking accident can put your life into a tailspin. You will get lotsof mail from personal injury attorneys who can help you with the personal injury settlement. But once the settlement is over, what happens if you still can’t go back to work?

You may ask, “Should I file for Social Security Disability?” This can be tricky. My simple answer is yes. The longer answer considers these things:

·                     What kind of disability benefit can you apply for?

Before SSA takes an application, they screen non-medical rules. If you have worked long enough in recent years then, like paying an insurance premium, you have paid taxes to have disability insurance coverage. In this scenario, you can file for disability benefits no matter how much money you have left over from the settlement.

 

The other disability program is Supplemental Security Income. Many people call this by its abbreviation, SSI. SSI is still a disability check. You qualify for it by being disabled plus without financial means. At the start of the disability process, SSA will ask you about income and resources such as bank accounts and property ownership. If you still have money in the bank from the settlement, it is likely going to give you financial means that disqualify you from applying.

 

To solve this, you can put the money into a special needs trust or spend down the settlement and report it to SSA. You will be eligible to apply the month after the change happened.

·                     How long are you going to be out of work?

In Social Security law, being a Disabled adult means:

“You must not be able to engage in any substantial gainful work activity because of a medically determinable physical or mental disability(ies) that is either expected to result in death or has lasted or is expected to last for a continuous period of at least 12 months.”

 

What does that mean? It means that your ailments are going to keep you from getting back in the workforce for a minimum of a year from when you went out of work. You do NOT have to wait a year to file, but if you return to work before 12 months your case is going to be denied.

 

·                     What if you return to work?

If your injury heals well-enough to let you return to work in your old job, or in a new job, and you successfully go back to work before being out for 12 months, then on the surface there is not much to be done. SSA has a minimum duration of 12 months out of work. Our experienced attorneys are well-versed in laws about unsuccessful work attempts, work below the statutory limits, and work under special conditions that would not represent a bona fide return to work.

 

·                     What if the doctor has released you to work but you are not able?

You should file for disability. Our lawyers understand that Social Security is a total body review. If your doctor was only treating your broken leg, but you also have migraines and severe depression, then the release to work may only pertain to your leg healing. An experienced Social Security attorney can evaluate issues like this and give you the right answers.

If you find yourself in any of the above scenarios and need help, don’t hesitate—in North Carolina, the law firm of Hall & Rouse have practiced Social Security Disability since 1976. For representation on your Social Security Disability, call us at 1-866-425-5347.

 

Multiple Sclerosis

     We have many clients who suffer from multiple sclerosis (MS). It's not a rare disorder and Social Security doesn't approve many claims without a fight. You can win those cases. In fact, you are very likely to win but it's not likely to happen quickly.

    There are at least a couple of reasons why Social Security makes it so hard for MS patients to get approved. First, sometimes MS goes into remission. Social Security's attitude is "Well, you're pretty sick now but you may be a lot better soon and then you'll be able to work." Maybe the MS will go into remission or maybe not but why deny a claim based upon mere speculation about what may happen in the future? Also, maybe the patient will go into remission but have a new exacerbation a few weeks or months later. How are you going to hold down a job if you're in and out of work all the time? Second, probably the most common symptom of MS is severe fatigue. Social Security likes things that can be measured. You can't measure fatigue. Social Security solves this problem by ignoring fatigue. However, whether or not you can measure it, fatigue is a very real problem for most people with MS and prevents work for many. Nobody denies that. Social Security doesn't deny that. They just ignore it.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

Can I File for My Social Security Disability?

Sometimes at family gatherings or after church, someone will pull me to the side and ask me this question: “Can I file for my disability? I’ve got X Y Z going on and it’s getting harder to do my job.” My first question is always, “Have you stopped working?” Many people are surprised to find that not everyone can put in a claim for Social Security disability. First, you must be out of work. Then, you must get past other rules that have nothing to do with your health.

If you have worked long enough in recent years, and paid federal taxes, then that is like paying an insurance premium for Social Security Disability insurance coverage. It is kind of like paying your car insurance. If you have paid the premium, then you are “paid up” to a certain time and have disability coverage, and can file a claim. 

There are other instances where a spouse who has died, or a retired or disabled parent, may have enough work credits to extend coverage to a surviving spouse or a disabled adult child. $3822 per month is the maximum that a disabled person can receive in 2024, but it can certainly be less-than that. It all depends on your earnings history.

The other disability program is Supplemental Security Income. Many people call this SSI. SSI is not a separate process. To apply for disability and SSI, they look at how much cash or things with cash-value you own. At the disability screening, Social Security will ask about income and resources, like checking and savings accounts, 401k accounts, and property ownership. If you qualify through this means-test, then you can put in an SSI application along with your other disability application, or just SSI on its own if you did not have enough work credits. The maximum monthly SSI payment in 2024 is $943 if you are single, $1175 if you are married.

Disability benefits under your work credits are usually a higher check amount and stand to get more back pay. These benefits can be paid maximum 12 months before the application. The maximum back pay on SSI is the first full month after the month that you filed for disability, so if you applied on February 6th, the first month for back pay is March 1.

If you want an experienced lawyer to handle things, check us out at www.hall-rouse.com, or give us a call at 1-866-425-5347. We are here to help.

What Does It Mean When My Social Security Account Tells Me That They're 70% Finished Reviewing My Disability Claim?

That's bull!

    It means essentially nothing when your account at Social Security tells you that they're 30% or 70% or whatever finished reviewing your case. When I first heard they were doing this, I couldn't believe it. I figured the client who told me about it must have been confused. It's completely off the wall. It turned out to be true. I've mentioned this to Social Security employees and they have also been astounded. That's just not the way things work. You can't predict things with anywhere near that degree of precision and a computer certainly can't.

    My guess is that they're taking an average time span for the review of a Social Security disability claim and comparing the length of time that a case has been pending to that but things are on no timetable. One case may take four times as long as another case. Even their averages are misleading. There are some disability claims filed by people with terminal cancer. The agency races to approve those cases immediately because they're highly sympathetic cases but also because getting them out the door quickly makes their averages look better.

    No, I'm sorry but you can't rely upon what you see on your Social Security account about how far along your disability claim is.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

Liver Disease

     It's hard to be approved for Social Security disability benefits based upon liver problems. It seems like they don't want to approve until the person with liver disease is in terminal decline. However, patients can have a lot of symptoms and limitations long without being in the end phase of liver disease.

    Some of the problems getting approval for liver disease have to do with the fact that some liver disease is related to alcoholism. However, there are plenty of liver disease patients who have never drunk. Even for those who have had drinking problems, the question isn't whether you got to the point that liver disease is disabling you because of your drinking. The question is whether the symptoms of liver disease could be reduced or eliminated by stopping drinking. By the time liver disease has become disabling, many people with alcoholic liver disease will have already stopped drinking. Even if they are still drinking, the drinking may be hastening their demise but stopping it won't make the problem go away.

    In the end, don't worry about the stigma that can be associated with liver disease. If you're disabled by liver disease, file a claim for Social Security disability claim.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

10 Things A Disability Lawyer Can Do For You

Did you talk to Social Security and hear “You don’t need a lawyer”? These are the people who will deny your claim. No lawyer means less hassle for their denials. Different law firms may give different experiences. Here, at Hall & Rouse, our attorneys and legal assistants are ready to fight for you and advocate for your rights, to help you win your benefits.

Our disability attorneys are able to log in to Social Security’s electronic case system and look through your file to see what is happening in real-time. The sooner, the better, for developing a legal strategy for the win.

Our legal assistants spend the vast majority of their days on the telephone, calling Social Security, asking what is going on, what they need to make a decision, how we can help to possibly speed things along, and when you win, following up on the money until it is released.

We make sure your application is not gathering dust on someone’s desk in the county office.

We call Social Security Disability (Disability Determination Services) to make sure your case has been assigned and that someone is actually working on it. When that is not happening, we make sure it is escalated to the right people's attention, so you do not suffer more undue delays.

Our team reaches out to you to stay up-to-date about your medical care, or to suggest charity care networks if you have not received the treatment needed to prove your case.

Our legal team coordinates with your doctors or nurse practitioners to get medical records and medical opinions.

We file the appeals for you.

If you need to talk to an administrative law judge, we prepare you for what to expect.

We show up to court with you.

We keep you informed and do the work for you, so that you can focus on your health.

There is no upfront fee. There is no out of pocket fee. There is only payment if the attorney helps you win, and that win results in back pay. At that point, the fee is regulated by the government on a standard fee schedule that never exceeds 25% of back pay.

Whether you need a lawyer is an individual choice. If your feeling is that, yes, you want an experienced lawyer to handle things, we are here to help: www.hall-rouse.com, or give us a call at 1-866-425-5347. 

Are You Ashamed To Be Disabled?

     There are many who think that everyone who files for Social Security disability benefits could really work if they wanted unless they were "truly disabled" by which they sort of mean "in a comma." This leads to many disabled people feeling ashamed themselves at being disabled. They think others will look down on them if they know about the disability. It feels to them like their disability is a personal failure.

    This shame at being disabled has several bad effects. Disabled individuals suffer from inappropriate guilt and depression. They con themselves into believing that recovery from disability is right around the corner. They delay filing a claim for Social Security disability benefits because they believe that would be the admission of a personal failing. Often they fail to act until they're literally homeless.

    Please accept that disability is a real thing. Your disability probably isn't going away. If you think that others will judge you harshly because you apply for Social Security disability, they're not going to know unless you tell them. Social Security isn't going to tell them. In the end, what do you care what other people think? Get over it! Do what you need to do! How is being homeless less shameful than filing a claim for Social Security disability benefits?

    On a selfish basis, it's stressful dealing with desperate clients. They wait until they're about to be homeless before they file for Social Security disability benefits. They can't believe how long it takes to get a favorable decision from Social Security. Don't get me wrong, I'm happy to see you if you've waited this long but be realistic. If you've been out of work due to illness or injury for more than about six months, you're not likely to be able to get back to doing enough work to support yourself. Do what you have to do.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

Diabetes

     Diabetes is a common health problem and a common reason why Social Security disability claims get filed and approved.

    As with most conditions, age makes a huge difference with Social Security disability claims based upon diabetes. It become less difficult to be approved after age 50 and a good deal less difficult after age 55.

    Another factors that make a difference with Social Security disability claims is the extent of damage that the diabetes has done to a person's body. I don't know that there can be a comprehensive list of all the things that diabetes can do to a body. Here are some of the more common:

• Eye damage
• Kidney damage
• Peripheral neuropathy --numbness, burning, tingling in the feet and lower legs
• Heart problems
• Blood circulation problems
• Stomach problems
• Liver damage

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

Are Social Security Disability Benefits Taxable?

    Your Social Security disability benefits may be partially taxable. Like everything about the tax laws, it's complicated. I'll try to hit a couple of the most important parts.

• One-half of Title II Social Security benefits is taxable to the extent that the Social Security benefits, when added to the taxpayer's gross income and some sorts of nontaxable income, such as tax-exempt municipal bond interest, exceeds $25,000, in the case of a single taxpayer or $32,000 in the case of a married taxpayer, filing jointly. The percentage that is taxed goes up to 85%% to the extent that the taxpayer's income goes over $34,000 if the taxpayer is filing as a single individual or $44,000 if filing jointly.
• Payments of back Social Security benefits typically are for periods of time that cover more than one calendar year. Back benefits covering two or more years might have not been taxable at all or only taxable in small part if they had been paid at the time they were due. The Internal Revenue Code makes a specific provision for this situation. If the taxpayer so elects, the amount included in gross income by reason of receiving these back Social Security benefits is only the sum of the increases in gross taxable income for the prior taxable years that would have resulted solely from taking into account the portion of the benefits paid for that prior taxable year. The election is made by writing in the letters "LSE" (for lump-sum election) to the left of line 21a on the form 1040. This does not mean that the Social Security claimant who receives a large amount of back benefits can or should file amended tax returns for prior years. The back Social Security benefits must be included in the tax return for the current year, but only to the extent that they would have been included if they had been paid when they were due.

    Things get really complicated if you've also received Long Term Disability benefits, usually from an employer sponsored plan. You really need to see a tax professional about that sort of thing.

Wow! Funny And Incisive View Of Social Security Disability!

LTD And Social Security Disability

    Spoiler alert: This is going to be complicated -- but important.

 

    LTD stands for Long Term Disability benefits. LTD is not paid by Social Security, but by private employers and insurance companies. Many larger employers  have pension plans that provide LTD to their disabled employees. Individuals can also purchase LTD insurance policies directly from insurance companies.

    LTD plans always contain an offset for Social Security disability benefits. This means that the LTD is offset or reduced, dollar for dollar, by the initial amount of Social Security disability benefits. For instance, if the LTD is $2,000 a month, the employer or insurance company will pay $2,000 a month as long as the disabled person receives no Social Security. However, if the disabled person starts receiving $1,500 per month from Social Security, the LTD goes down to $500 per month. 

    If the disabled person receives retroactive or back benefits from Social Security for months in which they also received LTD, the employer or insurance company that paid the LTD will want some of their money back. 

    Virtually always, the employer or insurance company gives a credit for the attorney fees the disabled person paid for representation on their Social Security disability claim. In a backhanded way the employer or insurance company pays the attorney fee.

     A person who is already receiving LTD may wonder why they need to bother with a Social Security disability claim, if anything they get from Social Security just reduces the amount they get from LTD. Actually, there are a number of good reasons for a disabled person receiving LTD to go ahead with the Social Security disability claim:

• The Social Security disability benefit may be more than the LTD benefit;
• Many LTD plans specifically require that a person receiving LTD pursue a Social Security disability claim through an ALJ hearing. If the disabled person refuses to do this, the LTD  is cut off.
• LTD benefits provided as an employee benefit are fully taxable. For most people, Social Security disability is not taxable at all. At worst, it is only partially taxable.
• Generally, LTD plans do not contain a cost of living adjustment. The benefits never go up even if the cost of living does go up. After ten or fifteen years, the LTD benefit is worn away by inflation and the LTD check that started out looking so good starts to look puny. Social Security disability benefits, however, are adjusted for inflation and keep a constant value. Since LTD plans generally offset only the initial amount of Social Security disability benefits and not cost of living adjustments, the disabled person on Social Security has protection against inflation that a disabled person only on LTD does not enjoy. Note that the LTD plan for N.C. state employees does provide cost of living adjustments, but also offsets Social Security's cost of living adjustments.
• Most LTD plans only pay benefits to age 65, leaving disabled persons to rely upon Social Security retirement benefits thereafter. Anyone on Social Security disability  based upon their earnings receives an earnings "freeze" so that their Social Security retirement benefits do not end up being reduced. If a person is out of work for many years without being on Social Security disability benefits, their Social Security retirement benefits will be lowered.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

Cancer

  

   Social Security disability claims based upon cancer usually come in two types -- those approved quickly and those that don't get approved at all.

    Those approved quickly are those where the cancer has spread. Of course, if that has happened, the cancer is extremely dangerous. 

    Those where the cancer has not spread are seldom approved. The reason is that there is a 12 month duration requirement for Social Security disability benefits. Unless your condition is fatal, you have to have been or be predicted to be disabled at least a year. Cancer may be treated with surgery, chemo and radiation but generally all of that, as terrible as it is, is over in less than a year. After that, unless things go in a bad direction, the patient can expect at least a period of remission and can hope to be done with cancer forever. If a patient goes into remission in less than a year, they can generally re-start their life, including work. If it comes back, of course, then a new Social Security disability claim is likely to be successful.

    There are cases where the cancer has not spread but where the patient is still disabled for longer than a year. Sometimes, surgery or chemo or radiation leaves behind serious problems that prevent work. Sometimes the surgery, chemo and radiation takes longer than a year. Often, the cancer isn't the only health problem the patient has.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

It Takes An Immigrant To Point Out Just How Awful This Situation Is

    John Oliver may be an immigrant from Britain but he's one of the most interesting observers of the American scene. Take a look at this recent piece he did on Social Security disability.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

What Are "Back" Social Security Disability Benefits?

    Social Security takes a long time to make decisions on disability claims. The money you were due for all those months shouldn't just disappear. No, they pay you for that time if you're approved. They may also pay you for some of that time you waited before even filing your claim. Here are the rules for these back benefits:

Supplemental Security Income (SSI): Assuming you're found disabled that far back, benefits can start the month after the month you filed your SSI claim. If you filed your claim in January 2024, they owe you beginning February 2024, assuming they find you disabled that far back. 

Disability Insurance Benefits: These are the benefits based upon your earnings. Benefits can go back up to 12 months before the month in which you file your disability claim BUT there's a five month waiting period after you became disabled before benefits can begin. Two examples:

• Filed claim in January 2024. Became disabled June 15, 2023. Benefits begin December 2023 -- five month after the disability began.
• Filed claim in July 2024. Became disabled September 23, 2022. Benefits began June 2023 -- one year prior to the date of the claim.

    Sound complicated? I'm making it as simple as I can. That's why you should hire an attorney to represent you.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

Can I Get Social Security Disability For Anxiety?

    Can I get Social Security disability for anxiety? I know you want a definite answer but I have to be a lawyer and tell you "That's a definite maybe." Absolutely, people do get approved for Social Security disability benefits based upon anxiety. They also get turned down. They don't make it easy. Here are some things that Social Security looks at in disability claims based upon anxiety:    

• Are you in psychiatric care for the anxiety? If you're not taking your anxiety seriously enough to seek psychiatric care it's going to be hard to convince Social Security that it's all that bad. No, care by your family doctor won't be enough. If you're thinking about filing a Social Security disability claim based upon anxiety, obviously whatever your family doctor is doing isn't working.
• Is the anxiety associated with bipolar disorder? Really severe anxiety often is.
• Is your anxiety associated with severe depression? Often it is.
• Is the anxiety associated with panic attacks or obsessive compulsive disorder?
• Can you leave your house by yourself?
• How is the anxiety affecting your life? How are you limited?

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

Skin Disorders

Severe psoriasis

     If you don't have it yourself, you might not think skin disorders could be disabling but they sure can be. You really, really don't want to have a skin disorder that bad.

    Here's some of the types of severe skin disorders which, if they don't respond to treatment, can be disabling:

• Hidradenitis suppurtiva -- I bet you've never heard of this one even if you've got it. It causes severe, recurrent, highly painful boils in the private areas. Many people with hidradenitis suppurtiva don't even realize they have a skin problem. They think it's a series of infections that must be treated surgically. Wrong. See a dermatologist.
• Psoriasis -- A common skin problem which can usually be treated well enough to allow a person to get on with their life but sometimes psoriasis doesn't respond so well to treatment and covers a big portion of a person's body.
• Eczema -- Dry, itchy skin that can swell and crack. Most of the time it can be controlled with medication. Can you imagine that eczema can lead to blindness?
• Bullous disorders -- They cause fragile skin that blisters and tears easily.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

Lumbees And Social Security Disability Benefits

     Since I first started practicing Social Security disability law in 1979, Lumbees have been a significant part of my firm's practice. Historically, most Lumbees have suffered from poor educational access, poor access to health care and poverty in general. These have led to Lumbees having sky high disability rates.

    Things are still bad but not quite as bad as they used to be. I can remember a day of hearings in the early 1980s in Lumberton with four Lumbee clients back to back who were all illiterate. The Administrative Law Judge, who was there on assignment from another state, asked pointedly "Are all your clients illiterate?" I had to educate him to the fact that all of those clients were Lumbee and about local circumstances. Where and when those claimants were growing up there were three school systems. The one for whites was lousy. The one for blacks was much worse. The third one, for Lumbees, was much worse still. Lumbees had little chance to learn to read and write. I can remember the clerk butting it to say "He's telling the truth." The ALJ was amazed. The local ALJs already knew.

    For those from outside North Carolina, Lumbees are one of the largest native American tribes in the U.S. They're also not recognized by the federal government although everyone concedes they're native Americans. Even other tribes have worked hard to prevent Lumbees from getting tribal recognition. It's all terribly unfair. If you want to find the most disadvantaged group in America, try going to Robeson County, NC.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

"I Can't Afford To File For Social Security Disability. I HAVE To Get Back To Work"

    From the stupid things that people tell themselves department: "I can't afford to file for Social Security Disability. I HAVE to get back to work." If you're thinking this, here are some questions you need to ask yourself:

• Why are you out of work now? Were you just hit by a fit of laziness?
• Are you really getting better or are you just fooling yourself?
  
• In this world, do thing happen because you really need for them to happen?
• If you can't work now, what makes you think you're going to be able to work anytime soon?
• If you can't afford to file a claim for Social Security disability, how are you going to afford to live without it if you can't get back to work?
• What makes you think that filing a claim for Social Security disability benefits will keep you from going back to work if you start feeling better? It doesn't. As long as you don't withhold information about the work from Social Security, you're in no trouble if you go back to work. Depending upon how much work you do and how long you do it the work may not prevent you from getting Social Security disability benefits.
  

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-844-425-5347

Arthritis

     Arthritis is a frequent basis for successful Social Security disability claims. Arthritis means pain in a joint. There's more than one reason why someone might have pain in a joint so there are various types of arthritis. Here are a few:

• Osteoarthritis -- The garden variety of arthritis that everyone gets as they age.
• Inflammatory arthritis -- This is caused by one of a number of diseases such as rheumatoid arthritis that can cause dramatic symptoms and joint destruction. This one has nothing to do with age. Children can come down with rheumatoid arthritis.
• Post-traumatic arthritis -- You may have had only a few aches and pains in that joint you injured until years later when it finally catches up with you. This doesn't happen after all fractures -- most don't involve joints and those which do don't always result in post-traumatic arthritis. 
• Gout -- Caused by excess uric acid in the bloodstream which deposits out as sharp crystals, most commonly in the big toe. Gout is well known as extremely painful. In most cases, but not all, gout can be controlled with medication.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

I'm On Social Security Disability. I've Gotten Even Sicker. Can I Get A Higher Benefit?

     I'm sorry to say it but the answer to the question posed above is "No." With Social Security there are no percentages of disability, like 50% or 70%. The way the law is written, you're either disabled or not. They don't pay you more for being more disabled.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

Disabled Widow And Widower Benefits

    Disabled widows and widowers may be eligible for benefits on the account of their late spouse in these basic circumstances:

• Be 50 or older but less than 60;
• Have become disabled within seven years after either the date of their spouse's death or the date they last received mother's or father's benefits on the account;
• Late spouse have worked a certain number of years under the FICA tax;
• In most cases, not be remarried
  

    Note that this includes widowers. There are more widows than widowers in the world but there's still a fair number of widowers. The widower claims are often missed because it just doesn't occur to people that widows and widowers would be treated the same. This is especially important if the late wife earned a good deal more than the widower. Illness or imprisonment can causes this but sometimes it's just that the wife made more money.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

Auto-Immune Disorders

The "butterfly" rash that can be a sign of lupus

     Claimants with autoimmune disorders are often approved for Social Security disability benefits. It may be something more common such as rheumatoid arthritis or lupus or something more unusual such as relapsing polychondritis. It may be so hard to diagnose that your doctor calls it Mixed Connective Tissue Disorder. All of these, and many, many more types of autoimmune disorders may be enough for a person to be found disabled.

    Keep in mind that many autoimmune disorders vary from something that's not troublesome to something that's deadly. Your chances of being approved depend upon where you are on that spectrum.  As an example, I recently met a surgical technician with rheumatoid arthritis who was still working in the operating room using her hands constantly. Even though her hands looked deformed, her RA was in remission and she was able to do her job. I've certainly met others with RA whose hands weren't deformed -- although they might be heading there -- who were quite disabled.

    By the way, I'm often struck when my Social Security disability client is disabled by something they had never heard of before becoming sick, such as lupus even though diseases such as lupus aren't rare. The general public understands little about autoimmune disorders.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347

What Are Disabled Adult Child Benefits?

    Disabled Adult Child (DAC) benefits are paid to those who become disabled before age 22. The benefits are paid based upon the earnings of the person's mother or father but benefits can't begin until the parent is drawing benefits on their account or is deceased. Most people don't know that this type of disability benefit even exists.

    I often meet with younger Social Security disability claimants who come in with their father or mother. Always the parents are worried about what will happen to their child once they're no longer around to help. DAC will probably solve a big part of this problem. At least their child will have an income and access to medical care.

    There is one thing about DAC that's very unfortunate. DAC recipient who get married usually lose their DAC. By the way, if you have a disabled child, don't discount the possibility that your child will eventually marry. It may seem out of the question today but all kinds of things happen in the fullness of time that we can't now foresee. Love conquers all kinds of obstacles.

If you're in NC and want help with your Social Security disability claim, call Hall & Rouse, P.C. at 1-866-425-5347