What Takes Place to My Disability Benefits When I Turn 65? Part 2

what takes place to my disability benefits when i turn 65

What takes place to my disability benefits when I turn 65? The full retirement age not always 65. In fact, 65 years old considered the age of retirement for those who were born in 1937 or earlier. However, those who reach full retirement age is at a later date.

What Takes Place to My Disability Benefits When I Reach Full Retirement Age?

What takes place to my disability benefits when I turn 65, there is two major change will take effect when you hit retirement age.  The first is your benefits will no longer be paid by SSD.  During the transition, SSD benefits will come from the SSA’s “Old Age” or retirement program instead.  However, your SSD benefits will not interrupted with the transition and the benefit payment will processed as usual.  Simply your payment will come from a different Social Security fund rather than SSD.  But you will not even notice the difference.

The second change is reaching full retirement age no more earning limits like SSD benefits.  In other words, your earning can increase by working a part-time job or other income sources without losing any monthly out of your benefit check.

At Full Retirement Age Change Will My Benefit Amount Affected?

Social Security Administration’s standard full retirement benefits calculated on what you paid into the Social Security System over the duration of your employment.  However, SSD benefits amount to your monthly benefit payment is not affected by the transition from disability benefits to retirement benefits.

What’s Required For Me To Make the Transition?

At this point, SSD beneficiaries do not have to do anything when they reach full retirement age.  SSA will automatically make the transitions to your benefits to the retirement fund without you completing a new application or other forms.

What about SSD and Early Retirement?

Actually, SSA does currently allow people to apply for early retirement benefits at age 62.  Yet, if disabled and been receiving SSD benefits before reaching early retirement age is not applicable for you.  However, you will still get your SSD benefit until you reach full retirement age.  Until it is time to transition from SSD to retirement benefits automatically by SSA.

“The Practical Guide to Social Security Disability Benefits”

Is your Social Security Disability case at standstill?  Do you want your Social Security Disability case to start moving again? Then my self-help digital eBook “The Practical Guide to Social Security Disability Benefits” for $6.99 can help you.  Go to http://socialsecuritydisabilityandyou.com/ and buy the book today.

After you purchase the book, you will get 1 free hour of Social Security Disability Consultation. Please contact me at http://socialsecuritydisabilityandyou.com/contact/

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What Happens to My Disability Benefits When I Turn 65? Part 1

what happens to my disability benefits when i turn 65

What happens to my disability benefits when I turn 65? One important thing to think about with Social Security (SSD) benefits and retirement that full retirement age is not always 65. People who are 65 is only considered for retirement was born in 1937. So you are among those who will reach full retirement age at a later date.

What happens to my disability benefits when I turn 65?  The first thing you should know about Social Security Disability (SSD) benefits and retirement is the “full retirement age” is not always age 65.  In fact, the age of retirements are for those born in 1937 or earlier, so those who hit full retirement age at a later day.  For example, learn how your SSD benefits affect your considered retirement age by the Social Security Administration (SSA).  For someone in your age demographic.

What is Full Retirement Age for me?

Over the years SSA has occasionally adjusted the age of full retirement.  However, the full retirement age varies according to the SSA by your date of birth.  Below is the retirement breakdown as follows:

Date of Birth Full Retirement Age
1937 or before 65
1938 65 +2 months
1939 65 +4 months
1940 65 +6 months
1941 65 +8 months
1942 65 +10 months
1943 to 1954 66
1955 66 +2 months
1956 66 +4 months
1957 66 +6 months
1958 66 +8 months
1959 66 +10 months
1960 or after 67

What Happens to My Disability Benefits When I Turn 65?

Many current SSD beneficiaries full retirement age is 67.  Which means you have a couple of years before reaching retirement age will affect your benefits.  Therefore it is good to understand the SSD and retirement process in advance so you will not get surprised when you reach 67.

“The Practical Guide to Social Security Disability Benefits”

Is your Social Security Disability case at standstill?  Do you want your Social Security Disability case to start moving again? Then my self-help digital eBook “The Practical Guide to Social Security Disability Benefits” for $6.99 can help you.  Go to http://socialsecuritydisabilityandyou.com/ and buy the book today.

After you purchase the book, you will get 1 free hour of Social Security Disability Consultation. Please contact me at http://socialsecuritydisabilityandyou.com/contact/

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Social Security Beneficiaries will receive 2.2 Percent Starting January 1, 2018

social security beneficiaries will receive 2.2 percent starting january 1, 2018

Social Security beneficiaries will receive 2.2 percent starting January 1, 2018. Based on Social Security Trustees projections. Social Security Officials will release cost-living-adjustment (COLA) on October 13, 2017. This may be the biggest COLA raise in years. The average monthly raise will be around $30 a month.

The long-term financial status of the Social Security Trust Funds released from the Social Security Board of Trustees.  From the annual report on July 13, 2017.  The Trustees calculation for Social Security beneficiaries will receive a 2.2 percent cost-of-living increase starting January 1, 2018.  Therefore, the total increase approximately $30.00 per a month for the average retired worker and disability recipients.  As the result, the 2.2 percent increase is the largest since 2011.  However, it is a large improvement compared to 0.3 percent increase for this year.  Regrettably, in 2016 there was no cost-of-living-adjustment (COLA) in 2016.  However, the trustees decided the low COLA is due to the unusual weak inflation.  The official announcement for the COLA will officially release on October 13, 2017.

Social Security Beneficiaries will receive 2.2 Percent Starting January 1, 2018

Consequently, the Social Security Board of Trustees does acknowledge the Social Security programs are in financial difficulties.  However, the current benefits for retirees already are over the payroll tax deductions paid in by workers and their employers.  Strangely enough, sixty million Social Security beneficiaries will see benefits reduced by 77% by 2034.  If there are no changes made to the system.  Furthermore, due to current Trustees Funds of $2.85 trillion will deplete.

However, Social Security Board of Trustees has several proposals to introduce and help eliminate this deficit fall of funds.

  1. To increase or eliminate the maximum $127.200 for 2017 earnings to the Social Security tax.  For this reason, it gradually raises the retirement age for full benefits.  Not to mention in 1983 when the retirement age raised from 65 to 67.  The average life expectancy of Americans has increased by three years since 1983.  But the proposal suggests raising the retirement age from 67 to 70 for full benefits.
  2. The proposal introduced to Congress on June 27, 2017 (H.R. 3077) called “Senior Citizens Freedom to Work Act of 2017”.  This bill will eliminate the earnings test for an individual under full retirement age who get a Social Security check.  But continue to work.  For 2017 any yearly earnings over $16.920 these worker’s Social Security benefits tax withheld by $1 for every $2 earned over the limit.  This earning test will discourage older individuals from working and continuing to pay into the system.

Although this will be the largest COLA for Social Security recipients in six years is good news.  It is very clear the adjustments are much-needed for these programs.  Also, for future generations who are paying into the Social Security system with the hope of getting benefits someday.

“The Practical Guide to Social Security Disability Benefits”

Is your Social Security Disability case at standstill?  Do you want your Social Security Disability case to start moving again? Then my self-help digital book “The Practical Guide to Social Security Disability Benefits” for $6.99 can help you.  Go to http://socialsecuritydisabilityandyou.com/ and buy the book today.

After you purchase the book, you will get 1 free hour of 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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What Should I Do Discriminate against for the Social Security Disability Program?

discriminate against for the social security disability program

It is not Social Security Administration (SSA) policy to discriminate against for the Social Security Disability Program. SSA policy requires employees to conduct Social Security Disability programs and activities in a way it does not discriminate. On the basis of race; color; national origin (including limited English Proficiency); religion; sex (including sexual orientation and gender identity); disability; age; or parental status. No employee, agent or SSA Office can discriminate, retaliate against anyone who filed a discrimination complaint, coerce, threaten, or intimidate.

If you think any Social Security employee or representative discriminated against you on the base on gender identity, sexual orientation, race, religion, disability, language proficiency, and age. However, you can file a Social Security Disability (SSD) complaint with the Social Security Administration (SSA).  In addition, you can file a complaint about SSD program discrimination.  If you believe the Social Security activities, policies or practices discriminate against for the Social Security Disability Program

However, you can file an SSD complaint if you think a Social Security employee threatened, harassed, intimidated, and coerced you.  Or retaliated against you for filing a previous complaint claiming discrimination or participating in any discrimination investigation.

Discriminate against for the Social Security Disability Program?

Consequently, an SSD complaint of program discrimination must be filed within 180 days of action if you believe you were discriminated against. However, If the discrimination took place more than 180 days then explain why you waited to file the SSD complaint.  At any rate, Social Security may waive the 180 days requirement if you have a good reason for filing a complaint late.

Social Security Administration Program Discrimination Complaint Adjudication Office

Go to www.socialsecurity.gov/online/ssa-437.pdf website to print out complaint Form SSA-437-BK to complete and mail to the Social Security Administration Program.  If you decide to write a letter instead of completing the form, the letter must include all information requested on the form.  Make sure you or your authorized representative must sign it.  Finally, any incomplete information or an unsigned form will slow down the processing of your complaint.  Provide the following information in your SSD complaint letter or Form SSA-437-BK.

  • Name, address, and telephone number;
  • Social Security Number;
  • A description of the discrimination of the action the Social Security employee took.  Description of the Social Security Administration’s policy, procedure, or practice that you believe is discriminatory;
  • Provide all of the names of anyone involved in the discrimination action and description what they did;
  • Name the place where and when the discriminatory action took place;
  • Provide the names, contact information of anyone who witnessed the action;
  • Indicate if you reported the discriminatory action to the Social Security Administration;
  • What actions should the Social Security took to resolve your complaint; and
  • If you filed an SSD complaint about this matter with any other agency or organization.  Then identify the name, address, and phone number of the agency or organization and the date when the complaint was filed.

Furthermore, if you need assistance filing your complaint, you may call the Social Security Administration at 1866-574-0374.  In addition, make sure you mail or fax the signed and dated discrimination complaint to the Social Security Administration Program Discrimination Complaint Adjudication Office, Room 617 Altmeyer Building 6401 Security Boulevard Baltimore, MD 21235

What will Social Security do about my complaint?

The Social Security Administration will receive your complaint.  Then your complaint will be assigned to someone who hasn’t been involved in handling your claim.  He or she will review the information you gave in the SSD complaint.  After the complaint matter is closed, then you will be notified of the outcome.  If you appealed the SSD decision on your claim and included information about your complaint.  The Appeals Council will discuss your complaint when responding to your appeal.

“The Practical Guide to Social Security Disability Benefits”

Is your Social Security Disability case at standstill?  Do you want your Social Security Disability case to start moving again? Then my self-help digital eBook “The Practical Guide to Social Security Disability Benefits” for $6.99 can help you.  Go to http://socialsecuritydisabilityandyou.com/ and buy the book today.

After you purchase the book, you will get 1 free hour of 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 File a Complaint about Unfair Treatment by an Administrative Law Judge (ALJ)

complaint about unfair treatment by an administrative law judge

What can I do about unfair treatment or prejudiced? File a complaint about unfair treatment by an Administrative Law Judge. You can file your SSD complaint directly with the Social Security Administration describing the unfair treatment you experienced.

Give the Social Security Administration (SSA) your complaint in writing.  If you are unable to write a complaint letter, then SSA will write it for you.  Please give SSA as many details of in the incident as you can, including:

  • Name, address, and telephone number;
  • Social Security number;
  • Name of the person who treated you unfairly;
  • Describe in detail how you were unfairly treated;
  • What actions or word you thought were unfair;
  • Was there any witness saw or heard the unfair treatment; and
  • If someone is writing the unfair treatment complaint about you.  Then give SSA your relationship to that person.  Include your and their name, address, and telephone number.

File a Complaint about Unfair Treatment by an Administrative Law Judge (ALJ)

Therefore your complaint should describe in detail what the Administrative Law Judge (ALJ) did and said that was unfair or inappropriate in your opinion. However, it does not mean an ALJ’s decision was wrong or an error.  It does not mean that the ALJ was unfair or engaged in misconduct.

What You Need To Know Filing an Unfair Treatment Complaint

In addition, filing an unfair treatment complaint is not the same as Social Security Disability (SSD) appealing a decision.  Therefore, if you received a denial letter on your claim and you disagree with the decision.  In fact, you will only have 60 days from the date you received the denial letter to file an SSD appeal.  To ask for an SSD appeal of the decision.

However, an ALJ’s decision letter will explain how to file an appeal.  Also, describe the unfair treatment in your appeal court hearing.  For additional information, ask for the Appeals Process (Publication No. 05-10041), which is also available online at www.socialsecurity.gov/pubs/EN-05-10041.pdf

Where to Mail or Fax My Complaint Request?

To File a Complaint about Unfair Treatment by an Administrative Law Judge (ALJ).  Mail your complaint to the Office of Disability Adjudication and Review Division of Quality Service, 5107 Leesburg Pike, Suites 1702/1703 Falls Church Virginia 22041-3255 or fax it to 703-605-8501.

“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” for $6.99. Can help you at http://socialsecuritydisabilityandyou.com/

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

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How to File an Unfair Treatment Complaint Concerning a Social Security Disability (SSD) Administrative Law Judge

unfair treatment complaint concerning administrative law judge

If you think any ALJ treated you unfairly, then you should file an unfair treatment complaint. Concerning the Administrative Law Judge who heard your case. Even if you do not plan to file an SSD appeal. However, your attorney or representative who is authorized to act on your behalf at the hearing can file a complaint.

The Social Security Administrative (SSA) wants to treat all claimants, attorneys, and representatives fairly, respectfully, and equally.  Above all, SSA does not want to treat anyone differently due to race, sex, age, disability, and the amount of money you have for any other reason. Consequently, in this article give you direction about filing a Social Security Disability (SSD) complaint. This is when you want to file an unfair treatment complaint concerning Social Security Disability Administrative Law Judge.

What You Should Do If You Were Treated Unfairly By an ALJ

But, if you feel any ALJ treated you unfairly, then report it to the SSA and ask them to look into the matter.  Even though you do not plan to file a Social Security Disability appeal.  Then you should have, your attorney or representative who is authorized to act on your behalf at the SSD hearing can file a complaint.  At this point, SSA must receive the complaint within 180 days.  Either the date of the incident or the date you were aware of the bad behavior.  You can ask SSA to look into the unfair treatment complaint while they are making a decision on your claim for benefits.

“The Practical Guide to Social Security Disability Benefits”

Is your Social Security Disability case at standstill?  Do you want your Social Security Disability case to start moving again? Then my self-help digital eBook “The Practical Guide to Social Security Disability Benefits” for $6.99 can help you.  Go to http://socialsecuritydisabilityandyou.com/ and buy the book today.

After you purchase the book, you will get 1 free hour of 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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Preparing for the Social Security Disability Consultative Mental Examinations

social security disability consultative mental examinations

Social Security Disability Consultative mental examinations are a one-time visit with a psychologist or psychiatrist paid by Social Security. To perform an examination that contains an important standard mental evaluation. Normally claims examiners use of the three mental evaluations to talk about potential mental health issues.

Learn how to prepare and what to anticipate during a Mental Consultative Examination.

Social Security Disability Consultative Mental Examinations

The important thing you can do is prepare for mental consultative examination (CE).  However, the Social Security Administration (SSA) will mail you a letter or call to let you know when is your CE appointment.  I will explain in this article to learn what to expect.

What tests will be administered at the Consultative Exam

Actually type of tests or evaluations during the CE depends on each individual case.  However, Social Security Disability Claims Examiner at the Disability Determination Services (DDS) will request and schedule any tests or evaluations they will need to get a complete picture of your disability.  Yet, this will allow the reviewer to make a decision regarding disability benefits.  In addition, most Social Security Disability Claims Examiner work at state agencies called the Disability Determination Services or DDS.

What should I bring with me to the Consultative Exam appointment?

As a result, a majority of the Social Security Disability Consultative Exam appointments will be used to discuss your past situation with a mental examination.  Here are a few things you should bring with you to your Consultative Exam appointment:

  • Social Security claim number and
  • An ID (such as a driver’s license, passport, or a nondriver’s license identification card).

What Questions Will They Ask Me at The Consultative Examination?

Consequently, the purpose of the Social Security Disability Consultative exam is to fill in holes in your medical records.  The physician is going to know the following information:

  • Medical History. The physician wants to know what your impairments are.  Also, how your impairment affects your everyday life and ability to work.
  • Social History. Physicians want to know about your relationship with your family and friends. Your ability to interact with others in the community.  They want to what type social activities you are currently involved in.
  • Educational Background. It includes any difficulties you had in school.
  • Work Background. This will include attempts to return back to work.  The results of those attempts.

This information will be very helpful for your upcoming CE appointment. To ensure you are able to remember everything mentioned in the article to speed up the examination.

It’s very important to remember the intentions of these mental examinations is to get more information about you.  So that the Social Security Disability reviewer is able to make an accurate assessment of your disability.  Finally, make sure you answer the questions accurately and honestly.

What Should I Write Down My Medical History Before the Consultative Mental Exam?

However, it is important to give the physician an accurate account of your past and present medical and social history.  But it would be to your advantage to write down certain information and bring to the consultative exam.  Therefore you will not accidentally forget something, including:

  • previous diagnoses
  • treatments received and the results of those treatments
  • supported living facilities in which you have lived and the dates that you lived there
  • previous hospitalizations and dates of those stays
  • current medications you take and
  • any criminal history.

 “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” for $6.99. Can help you at http://socialsecuritydisabilityandyou.com/

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

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What should you say if you go to a Social Security Disability Consultative Medical Exam? Part 2

social security disability consultative medical exam

When you file for disability, you may be requested to go to a Social Security Disability Consultative Medical Exam. Consultative exams are often required by the Social Security Administration due to a claimant either has not received medical treatment for their condition within the past 60 days. Or has no medical records that will support a finding of disability.

This is the whole point of the Social Security Disability (SSD) program to ensure everyone has some kind of safety net. In the event they become disabled.  However, make claimants have adequate Social Security Disability Consultative Medical Exam.

Social Security Disability Consultative Medical Exam

So, if you attend a consultative exam the best thing to do is a report for the appointment on time. Do not miss your scheduled exams because it could result in a denial of your disability claim. During the exam tell the truth. Don’t try to tell your life story in the exam, answer the physician’s questions. But, do not allow a physician’s bad attitude, bully you into being overly complaining.  To the point of you pretending your condition or limitations aren’t that bad.

If your pain causes difficulty performing any physical or mental tasks.  Then do not be afraid to say so.  Yet, remember the SSD physicians who perform CE’s are just interested in finishing the exam quickly and write the report.  Whether than get a full idea of your medical condition. Some of these physicians want to make money and do not care if they are doing an adequate job.

Finally, don’t worry about what to say at your Social Security consultative exam.  Be truthful when answering questions about any limitations you have as a result of your impairment or impairments.  Allow the physician to write up his/her report. The consultative exam is usually a formality and may have very little impact on the outcome of your case.  They are not likely to upstage the opinion of your treating doctor or evidence contained within your medical records.

“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” for $6.99. Can help you at http://socialsecuritydisabilityandyou.com/

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

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What should you say if you go to a Social Security Exam? Part 1

what should you say if you go to a social security exam

What should you say if you go to a social security exam? Always tell the truth about your impairments causing you unable to work. The Social Security medical exam is rude, quick, and usually not helpful. You may be sent to a Consultative Exam if the Disability Claims Examiner decides if it is necessary.

After you filed for Social Security Disability (SSD) benefits. You may be asked to attend a Social Security Disability exam. Also, called a consultative exam (CE).  In this article, it will tell you what should you say if you go to a Social Security exam.

What should you say if you go to a Social Security Exam?

Several disability applicants are nervous and afraid during the Consultative Exam,  Many SSD applicants are scared to say anything during their consultative exam. Because the physician may write an unfavorable report.  This fear is easy enough to understand since many SSD applicants who attend CE report.  From the physician performing the disability exam. The disability exam is nothing but short and rude.

Some SSD physicians who perform CE’s are a bit doubtful or even biased against those seeking disability benefits. However, many physicians are performing theses consultative exams for the Social Security Disability Office is out for the money. The CE takes 10 to 15 minutes on an average. However, it provides physicians with a steady source of income.

If you attend Consultative Exam and faced with an unsympathetic attitude. By the physician who performed your exam, then try not take it personally.  Several older SSD applicants are embarrassed to apply for disability benefits. But older applicants downplay their symptoms or physical limitation at their CE appointment.  Not to apply for disability benefits, not in their best interest.

Another name for SSD is SSDI which stands for Social Security Disability Insurance. To receive SSD benefits. You must work and pay into the system. However, through the Federal Insurance Contributions Act (FICA). FICA taxes come out of your paycheck over the years. That will make you entitled to disability benefits if you become too impaired to work.

“The Practical Guide to Social Security Disability Benefits”

Is your Social Security Disability case is 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” for $6.99. Can help you at 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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Keep Notes of Phone Conversations with the Social Security Disability Office (SSD) Part 2

keep notes of phone conversations with the social security disability office

Keep notes of phone conversations with the Social Security Disability Office. For example for pending claims that are not represented, start a collection of “secret” telephone numbers of claims representatives at the local Social Security Office.

If representatives give several different answers, do not trust them. Always get three answers that considered the same. Then it will be safe to trust the information given.

However, after you get the information, make sure you understand it.  For example, review the requirements that a medical condition must meet to qualify for your disability.  Locate in the Social Security Administration (SSA) Disability’s Blue Book. Now you will see language used in medical and technical. You will able to use the information to request medical records from your doctors. You will be able to see whether you had the medical procedure in question. Then the doctor’s office will forward your medical records at your request. You will know if your doctor sent the correct medical documents. By calling your local SSD office to make sure they received the correct medical documents.

At this point, you can see the value of an advocate or someone who is familiar with the process of applying for Social Security Disability benefits.  Who understands the medical and administrative jargon used by the Social Security Administration?  Finally, get professional who has enough experience to spot faulty or incomplete advice from SSA’s representatives.

Keep Notes of Phone Conversations with the Social Security Disability Office

If you cannot get your answer by telephone about your Social Security Disability case. Then call the National Social Security Disability Customer Service at 1800-772-1213. To make an appointment to see a representative at your local Social Security Office.

 “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” for $6.99. Can help you at 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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