Social Security Disability Medical Documents

social security disability medical documents

Social Security Disability Medical Documents is evidence for determination. Under both SSD and SSI programs. Each person who files a disability claim is responsible. For providing all medical records and test results. To the Social Security Disability Office or ODAR Office.

Make sure your attorney submit all of your Social Security Disability(SSD) medical documents for your appeal case. To the ODAR Office. If you received Form HA-L56 (05-2011) in the mail. From the ODAR Office. Then your case is being reviewed for updated medical records.  For a decision on your claim. Inform your attorney to submit all your SSD updated medical records and Form HA-L56 (05-2011). To the ODAR Office. If your attorney tells you everybody gets Form HA-L56 (05-2011). So don’t worry about. DO NOT ACCEPT NO FOR AN ANSWER.

Request for SSD updated Medical Documents

If your attorney refuses to submit your updated medical documents and Form HA-L56 (05-2011). To the ODAR Office. Then submit the updated medical documents along with Form HA-L56 (05-2011). To the ODAR office yourself. Remember you hired the attorney to do a great job for your SSD appeal case.

If feel your Attorney is not trying to get your SSD case approved. In a timely manner. Then get the green light from your attorney to help fight your own SSD Appeal case.

Also, after your attorney file your SSD appeal application.  Then have your attorney to file a Request for Reconsideration of your SSD claim. By completing Form SSA-561-U2 (12-2016) uf (12-2016). When your SSD claim initial application gets denied. That’s when your attorney can file a Request for Reconsideration.  Also, file your SSD appeal application on your behalf. For the Social Security Administration to reconsider. Its decision on your SSD claim. But still, file your SSD appeal application. Because you only have 60 days to do so.

Skipping SSD Request for Reconsideration Level

Some attorneys skip the Social Security Disability’s Request for Reconsideration level. Instead, attorneys file an SSD appeal.  Then wait for an SSD scheduled court date hearing. The average wait time for an SSD scheduled court date hearing is 2 to 3 years or more. This is why you should make sure your attorney is following all five levels of the SSD process below.

Level 1 – Initial disability claim

Request for Reconsideration Level 2 –

Level 3 – Request for an Administrative Law Judge Hearing

Request for an Appeals Council Review Level 4 

Level 5 – Federal District Court

So before you hire an Attorney for your SSD Appeal case. Make sure he or she will follow all five levels. Of the SSD process above. Ask the attorney to explain how they handle their Social Security Disability Appeal cases. Ask he or her do they continue to work on SSD Appeal cases. While waiting for an SSD scheduled court date hearing. To get an SSD Appeal case approved. Without a scheduled court date hearing.

Write down a list of interview questions to ask an SSD attorney. Before hiring him or her.  For example, ask the attorney what is their SSD Appeal cases. Win and losses ratio.  Inform the attorney you would like to help fight your own SSD Appeal Case.  That way you can make a decision to hire the attorney or not.

“The Practical Guide to Social Security Disability Benefits”

Is your Social Security Disability case at standstill?  If you would like for your case to start moving. Then my self-help digital eBook “The Practical Guide to Social Security Disability Benefits.” Can help you http://socialsecuritydisabilityandyou.com/

For a free 1 hour Social Security Disability Consultation. Please contact me at http://socialsecuritydisabilityandyou.com/contact/

Or on Facebook https://www.facebook.com/Social-Security-Disability-And-You-561403067362136/

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How Prescription Drug Tiers and Prices Works?

how prescription drug tiers and prices works

Understanding how prescription drugs tiers and prices works. To avoid paying for unexpected high drug costs. Higher drugs tiers may cost more out of pocket than lower drugs.

If you would like to know how much your prescription drugs will cost you. This information will give background on how prescription drug tiers and prices works.  Do you ever feel like predicting a movie scene would be easier than medical cost?  Well, you are not alone.  The good news is when it comes to prescription drugs, the tiers can help you make a smart guess how much you will pay.

Drug tiers are divided prescription drugs into different levels of cost.  The Tier 1 Drugs will be cheapest options.  But Tier 5 Drugs is the most expensive.

What Does Each Drug Tier Mean?

Here is a breakdown of each drug tier.  The cost information is for a one-month supply of drugs from an in-network pharmacy.

Drug Tier What it means Cost
Tier 1 Preferred generic. These are commonly prescribed generic drugs. For most plans, you’ll pay around $3 for drugs in this tier.
Tier 2 Generic. These are also generic drugs, but they cost a little more than drugs in Tier 1. For most plans, you’ll pay around $10 to $15 for drugs in this tier.
Tier 3 Preferred brand. These are brand-name drugs that don’t have a generic equivalent.  The lowest-cost brand name drugs on the drug list. For most plans, you’ll pay around $35 to $47 for drugs in this tier.
Tier 4 Non-preferred drug. There are higher-priced brand-name and generic drugs that is not in the preferred tier. For most plans, you’ll pay around 45% of the drug cost in this tier.
Tier 5 Specialty. So, the most expensive drugs on the drug list. Specialty drugs used to treat complex conditions like cancer and multiple sclerosis. They can be the generic or brand name. For most plans, you’ll pay 33% of the retail cost of drugs in this tier.

How will I know what tier my drugs are in?

The best way to find out what tier your prescription drugs are in by utilizing the plan’s drug list.  When looking up a drug, in the second column of the drug list it will show you what tier it is in.

How Can I Find Out How Much I Will Pay For Drugs In Each Tier

The prescriptions drug cost is on the Benefits of Evidence or plan’s Summary of Benefits.  It will give your copay or coinsurance for each tier.

  • Find your plan’s Evidence of Coverage or Summary of Benefits.

Tips: You probably have to pay full price for prescription drugs if you have not met your pharmacy plan’s deductible.  Also, you pay more if you are in the coverage gap or donut hole.  Learn more about the donut hole and different levels of prescription drug coverage at http://www.bcbsm.com/medicare/help.html

Social Security Disability and You

Have you been waiting for your Social Security Disability case to move through the process? If so, “The Practical Guide to Social Security Disability Benefits” can help your Social Security Disability case start moving again.  The eBook will get your case reviewed and onto a Decision Writer’s desk for a decision.  Just go to http://socialsecuritydisabilityandyou.com/ and find out how.

For a free 1 hour Social Security Disability Consultation, please contact me at http://socialsecuritydisabilityandyou.com/contact/ or on Facebook https://www.facebook.com/Social-Security-Disability-And-You-561403067362136/

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Saving Money on Prescription Drugs

saving money on prescription drugs

Saving money on prescription drugs by searching for discounts and prices. Compare prescription drug prices and more than 60000 US coupons.

Saving Money on Prescription Drugs

My doctor put me on a very expensive medication. I did not want to pay over $300.00 for a 90 day supply. I was lucky to get a month of free samples of the medicine from my doctor office. Also, the nurse call me and I asked her could I have more free samples of the medicine, and she said no problem.

Back in the day doctors used to give you a bag full of medicine samples. Doctors receive medicine samples from pharmaceutics sales representative to give to their patients. So, when you doctor put you on any medication ask for samples. Get as many as you can.

Good RX Is another Way to Save Money on Medicine Prescriptions

Good RX is another way to save money on medicine.  Go to https://www.goodrx.com/

type in your medication in the search bar and press enter. Then a list of prices for your medicine will load. Go down the list to see the cheapest price for your medication. Some of the medication have a coupon which can save you money as well. For example, Trulicity Dulaglutide at Target (CVS) has a coupon for $648.75 savings. So with the coupon, you pay nothing for this medication.

Some prescription mail orders to do not accept coupons. So call your mail orders prescription provider and ask if they accept coupons. If they do not accept coupons. Then print out the coupon and take to the pharmacy who have the cheapest price for your medicine. Call your insurance prescription provider to see how their coupon policy works.

Blink Health Online Prescription

But, Blink Health is another way to say money on prescription drugs. This how Blink Health works, type your prescription drug in the search bar and press enter. A list of medication prices will come up and scroll down for the cheapest price.

Pay for medication on the Blink Health website. Then print out a receipt and Blink Card to take to your local pharmacy to pick up your prescription drug. This will show the pharmacy proof of payment for your medicine.

You can save you up to 95% on the prescription drug. Blink Health have a majority of generic drugs. Which is a big saving when you have a high prescription deductible? If you do not have a prescription plan this is a good way to get your medicine at a reasonable price. Blink Health website is https://www.blinkhealth.com/

Social Security Disability and You

Have you been waiting for your Social Security Disability case to move through the process? If so, “The Practical Guide to Social Security Disability Benefits” can help your Social Security Disability case start moving again.  The eBook will get your case reviewed and onto a Decision Writer’s desk for a decision.  Just go to http://socialsecuritydisabilityandyou.com/ and find out how.

For a free 1 hour Social Security Disability Consultation, please contact me at http://socialsecuritydisabilityandyou.com/contact/ or on Facebook https://www.facebook.com/Social-Security-Disability-And-You-561403067362136/

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Social Security Disability New Rules of Acceptable Medical Evidence

Social Security Disability new rules of acceptable medical evidence

The Social Security Disability new rules of acceptable medical evidence. However, the revisions includes defining the several key terms related to evidence. Social Security Disability will consider the new rules for acceptable medical sources (AMS) will review medical opinions prior to administrative medical findings. The new rules are about psychological consultants, and medical consultants (MC) treating sources can be reorganized as evidence regulations for ease of use.
These revisions rules to the requirement of the Bipartisan Budget Act 2015 (BBA). That reflect the changes in the national healthcare workforce in the manner of individuals receive medical care. It is in the need for objective medical evidence in disability and blindness claims. This will simplify the rules to make it easier to understand how to apply and allow Social Security Disability to make accurate and consistent disability determination decisions.

March 20, 2017

Acceptable Medical Sources

The Social Security Disability new rules of acceptable medical evidence list. The list of acceptable medical sources has expanded.  To include a licensed optometrist, physician assistants (PAs), advanced practice registered nurses (APRNs), and licensed audiologists. Although this change is welcomed by many representatives. Yet others may argue that a licensed clinic social workers added to the list of accepted medical sources. For the reason of many clients rely on social workers to provide mental health treatment.

No Treating Physician Rule

Another troubling development that claimants’ representative’s experienced.  Is the public comment period is to eliminate the treating physician rule?  As mentioned before, opinions of a claimant’s treating physicians give medical evidence. However, is controlled and compare to non-treating medical sources.

Social Security Disability New Rules of Acceptable Medical Evidence

The new rule allows Administrative Law Judges (ALJ) more compliance to weigh in on the evidence as see fit. However, starting with claims filed on or after March 27, 2017.  Will not have to be controlled assessment to any one class providers. But, ALJ’s are to review medical evidence based on “influence” and “reliable.” With more medical evidence of record.

“The Practical Guide to Social Security Disability Benefits”

Is your Social Security Disability case at a stand still? If so would like for your case to start moving. “The Practical Guide to Social Security Disability Benefits” can help you. http://socialsecuritydisabilityandyou.com/

For a free 1 hour Social Security Disability Consultation. Please contact me at http://socialsecuritydisabilityandyou.com/contact/ or on Facebook https://www.facebook.com/Social-Security-Disability-And-You-561403067362136/

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How to Prepare for a Social Security Disability (SSD) Review? Part 1

How to Prepare for a Social Security Disability (SSD) Review

How can I prepare for a Social Security Disability (SSD) Review? It is very hard to actually prepare in advance for a continuing disability review (CDR). Complete the form the SSA sends you either form SSA-455 or Form SSA-454. If the agency needs additional information, they will ask for it.

How to Prepare for a Social Security Disability (SSD) Review?

Know what to expect when filling out the forms properly are the only way you can prepare. Learn how to prepare for a Social Security Disability (SSD) review.

Social Security Disability will review your claim every few years. It will depend on the severity of your disability. The possibility your medical condition will improve. The Social Security Administration (SSA) will contact you when is time for a review.

That way SSA can decide to continue your SSD or Supplemental Security Income (SSI).

It is difficult to prepare in advance for a Continuing Disability Review (CDR). SSA make the decision to continue or stop disability benefits from medical records. Yet, there is another type of review called SSI redetermination. Where SSA will look for non-medical reasons to stop your benefits. Such as having too much income or assets.

CDR will be the best thing to make your review go well by continuing to see your doctor regularly. Also, fill out the Social Security review form properly.

Maintain Your Relationship with Your Doctor

If you have not seen your doctor in the last year, the SSA may doubt your disability is ongoing. Then SSD will pay for you to see their doctor to do the consultative exam. Their doctor will have no knowledge of your long-term medical history. The consultative exam may take 15 minutes to examine you. It will be in your best interest to have your own doctor’s records with symptoms and limitations.

To feel more safe about your upcoming disability review. Keep in mind that the relationship you have with your treating physician.

Your physician will be an important part on whether you will continue to get disability.

Step by Step Guidance

Check out our step by step guidance eBook. To save you some time and confusion. In the areas where you may struggle.

Please feel free to write a comment or feedback in the website blog page.

For a free 1 hour Social Security Disability Consultation, please contact me at http://socialsecuritydisabilityandyou.com/contact/ or on Facebook https://www.facebook.com/Social-Security-Disability-And-You-561403067362136/

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Appeals Council Office Disability Adjudication Review SSA History and Current Information: Part 2

appeals council office of disability adjudication and review ssa

The Appeals Council Office of Disability Adjudication and review SSA is part of the process for determining whether a person may receive benefits. From the Office of Disability Adjudication and Review is responsible for holding hearings, issuing a decision.

Appeals Council Office of Disability Adjudication and Review Social Security Administration SSA

The Office of Appellate Operations (OAO) provides professional clerical support.  In addition, the Appeals Council Office of Disability Adjudication and Review SSA.  Also, OAO maintains and controls files cases. Decided in a negative way towards claimants by an Administrative Law Judges. In view of claimant’s brings a civil action against the Commissioner. But, the Social Security seeking judicial review of SSA’s final decision. Then the OAO staff will prepare the record of the claim for filing with the court. It will include new medical documents and evidence. Social Security Disability (SSA) relied on upon making a decision on your claim.

Deny the Request for Appeal Council Review

In most cases, an appeal sent to the Appeals Council. Claimants will receive a letter in the mail that states “Your request for review denied. Of the Administrative Law Judges’ decision. This means the Appeals Council will not approve your benefits. Or send your case back for another ALJ hearing. It means your claim have been denied.  Yet there are many reasons why an Appeals Council will conduct a thorough review. From the ALJ hearing proceedings.

Remand Request for Appeal Council Review

The Appeals Council Review have the right to decide if the judge made a technical error. Also, did not consider some of your medical evidence. In resulting the need for a remand the case back for a second ALJ hearing. This occurs about 22% of the time.

Appeals Council Overturn the Denied Claim

If the Appeals Council can decide the judge’s decision was completely in error. They and overturn the decision in resulting in an approval. This only happens to 3% of the time.

How long does an Appeal Council Review Take?

There is no way to know because of every other step of the disability process. In some cases, it will take 18-24 months for a decision of some kind to make. Sometimes an Appeals Council Review decisions can take 3 months.

Step by Step Guidance

Check out our step by step guidance eBook. To save you some time and confusion. In the areas where you may struggle.

Please feel free to write a comment or feedback in the website blog page.

For a free 1 hour Social Security Disability Consultation, please contact me at http://socialsecuritydisabilityandyou.com/contact/ or on Facebook https://www.facebook.com/Social-Security-Disability-And-You-561403067362136/

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Appeals Council Office Disability Adjudication Review History and Current Information: Part 1

Appeals Council Office Disability Adjudication Review

Social Security Disability (SSD) Appeals Council Office Disability Adjudication Review headquarters. Located in Falls Church, Virginia. The Appeals Council consists of a three-member panel that was created on March 1, 1940. Appeals Council Review has established to oversee hearings. The decisions are made by referees. In making sure the Administrative Law Judges and Social Security Boards. Now known as Commissioners. The Commissioners will ensure records were adequate for the judicial review.

As the result, the Appeals Council Office Disability Adjudication Review (ODAR) headquarters. Located in Falls Church, Virginia. Yet, this is one of the last levels for an administrative decision for Appeal Council issues. But, the Social Security Administration’s (SSA) will be the final action for claims. Also, the final action for claims filed under Title II and Title XVI under the Social Security Act.

Appeals Council Office Disability Adjudication Review

The Appeals Council consists of a three-member panel created on March 1, 1940. Appeals Council Review has established to oversee hearings. To an Appeal, a process to promote national consistency in hearings. The decisions made by referees. In making sure the Administrative Law Judges and Social Security Boards. Now known as Commissioners. The Commissioners will ensure records were adequate for the judicial review. Over the years the Appeal Council Review have grown over time. Which makes it complicated the programs. Due to requests for review that the Appeals Councils receives.

Now, the Appeals Council have made up of roughly 66 Administrative Appeals Judges. There are 47 Appeals officers and several hundred support personnel. The Appeals Council located in Falls Church, Virginia. With more offices located in Crystal City, Virginia and in Baltimore, Maryland. Cases originate from hearings office across the country. Next, the Appeals Council looks at each case in which a requested review have filed. Below is the chart for Appeals Council review requests.

Below is a chart for Appeals Council review requests. Appeals Council may grant, deny, or dismiss a request for review. For example, if the Appeals Council decide to review an SSD case or not. If so the Appeals Council will return case back to an Administrative Law Judge (ALJ) for a decision.

Time Period Receipts Dispositions Pending
FY 2017 To Date 61,325 75,596 112,863

Besides, the Appeals Council will complete a quality review. Includes policy explanation, and court-related duties. But the Appeals Council is a component of the Office of Appellate Operation (OAO). OAO is part of the SSA’s Office of Disability Adjudication and Review.

Step by Step Guidance

Check out our step by step guidance eBook. To save you some time and confusion. In the areas where you may struggle.

Please feel free to write a comment or feedback in the website blog page.

For a free 1 hour Social Security Disability Consultation, please contact me at http://socialsecuritydisabilityandyou.com/contact/ or on Facebook https://www.facebook.com/Social-Security-Disability-And-You-561403067362136/

 

 

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Why You Can’t Rely on Social Security Disability Insurance (SSDI): Part 3

can't rely on social security disability insurance (ssdi)

Can’t Rely on Social Security Disability Insurance (SSDI). Some states will offer short-term disability benefits; California, Hawaii, New Jersey, New York, Rhode Island, Puerto Rico. During the waiting period. Before your private disability insurance or Social Security Disability benefits kicks in.

Can’t Rely on Social Security Disability Insurance (SSDI)

In some states will offer short-term disability benefits.  If you are eligible for short-term benefits it will take care of your expenses. During the waiting period. Before your private disability insurance or Social Security Disability benefits kicks in.  This is why can’t rely on Social Security Insurance (SSDI)

Choose a disability benefit plan period with two or four years will have a smaller premium. Than a benefit period that protects for decades. Think long and hard before you go with a short-term benefit period. If you become disable, it’s unlikely you will be heal within a couple of years. Unless you cannot afford the higher premiums. Then stick with a policy that will protect you until retirement age.  Because you can’t rely on social security disability insurance (ssdi) to kick in.

The own-occupation coverage will pay benefits as long as you are still disabled. As long as you are not able to do current job. It is higher than a general purpose disability insurance. But most people will want to stick with own-occupation coverage. If you have options. So check the fine print in your policy to see exactly how it defines “too disabled to work. Before you make a final decision.

The final factor to consider when buying any insurance policy. Is the insurer still be around to pay your benefits?  When you are ready to collect them. To be safe stick with a disability insurance companies. With the highest best financial strength rating and credit ratings. That will give you a pretty long lasting financial umbrella to raise against poverty for a rainy day.

The average Social Security bonus is $16,122 for most retirees completely fail to notice. Like most Americans, you are a few years or more behind on your retirement savings. Yet, a handful of little-known “Social Security secrets.” Can help boost your retirement income. One easy trick could pay you as much as $16.122 more each year. Now you have learn how maximize your Social Security benefits. That way you can retire comfortable with a peace of mind.

Step by Step Guidance

Check out our step by step guidance eBook. To save you some time and confusion. In the areas where you may struggle.

Please feel free to write a comment or feedback in the website blog page.

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Why You Can’t Rely on Social Security Disability Insurance (SSDI): Part 2

rely on social security disability insurance (ssdi)

Can you rely on Social Security Disability Insurance (SSDI)? If your answer is no. Your employer do not offer disability insurance, then find a group rate somewhere else. Check out unions and trade associations are a great place to start looking for a plan that meets your needs.

Rely on Social Security Disability Insurance (SSDI)

Can you rely on Social Security Disability Insurance (SSDI)?  If your answer is no.  Your employer do not offer disability insurance, then find a group rate somewhere else. Check out unions and trade associations are a great place to start looking for a plan that meets your needs. You can save the amount for a disability policy alone that may be enough to pay for any membership fees. Try to google your job title and followed by the words “trade association. Then you will get some hits about disability insurance.

What can Disability Insurance do for you?

Disability insurance policies generally come with an excess of options. So make a decision on how much waiting period you will like for the disability benefits to kick in. The waiting period options are 30 days and 90 days before benefits kick in.

You can look for amount of your monthly benefit will be because most policies restrict you to mere of 60%. Of your paycheck. But, you can have a choice of how long you will receive benefits or a few years or until you reach age 65. Some disability insurance carriers offer two different disability policies. One that will kick in if you become disabled in such a way that you can no longer work your current job. Another way for disability insurance benefits kick in if you became disabled. That keeps you from doing any job.

When choosing a disability insurance waiting period, there are many factors to consider. First, how much is your emergency savings account? If you have three to six months’ worth of savings to pay your monthly bills. You will be pretty safe about choosing a 90-day waiting period. If you decided to go with a longer waiting period means a smaller monthly premium.

Step by Step Guidance

Check out our step by step guidance eBook. To save you some time and confusion. In the areas where you may struggle.

Please feel free to write a comment or feedback in the website blog page.

For a free 1 hour Social Security Disability Consultation, please contact me at http://socialsecuritydisabilityandyou.com/contact/ or on Facebook https://www.facebook.com/Social-Security-Disability-And-You-561403067362136/

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Why You Can’t Rely on Social Security Disability Insurance

you can’t rely on social security disability insurance

For a free 1 hour Social Security Disability Consultation, please contact me at http://socialsecuritydisabilityandyou.com/contact/ or on Facebook https://www.facebook.com/Social-Security-Disability-And-You-561403067362136/
Have you ever thought if you became disabled and unable to work anymore? If you are counting on Social Security Disability Insurance (SSDI) to keep you afloat. Well think again because you can’t rely on Social Security Disability Insurance.

You Can’t Rely on Social Security Disability Insurance Part 1

Have you ever thought if you became disabled and unable to work anymore? If you are counting on Social Security Disability Insurance (SSDI) to keep you afloat. Well think again because you can’t rely on Social Security Disability Insurance.

Many people would agree on the importance of life insurance. But few of us have even thought about buying disability insurance. More likely be disable than to die before your retirement age.

It is true SSDI offers some disability coverage, but that coverage limited. First, Social Security has a narrow definition of “disability.” According to the Social Security Administration (SSA) website.

It means a person who is disable under the Act if he or she is unable to work due to several medical conditions. Or expected to last, at least one year or result in death. The person’s medical condition must prevent he or she doing work that they did in the past. Also, it must prevent the person from doing other work.

SSDI payments are small. In 2015 there was average monthly disability benefit disability benefit was a mere $1,165. It is not much when it’s the main source of income. If you get approved for disability benefits, you will not see a penny until at least six months. After the date, you became disabled if not longer.

Assuming that one in four 20 years olds will become disabled before retirement age. Then it would be worth it to look into private disability insurance definitely.

Where can you get Disability Insurance?

The best places to buy disability insurance is always with your current employers. When buying disability insurance through your employer gives you a group rate. Which will be much lower than what you will pay for an individual policy. The disadvantage is when an employer provided plans.

If your employer provides a plan. The employer will pay for the Disability policy premiums, then you have to pay taxes on benefits. Which can be a small disadvantage. Now if you pay for premiums, yet, any benefits you will receive tax-free.

Step by Step Guidance

Check out our step by step guidance eBook. To save you some time and confusion. In the areas where you may struggle.

Please feel free to write a comment or feedback in the website blog page.

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