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Why Obtaining Social Security Disability Can Be Difficult

When applying for Social Security disability, it is important to know that it is not a simple and easy process. Most people who apply for these benefits, with physical or mental limitations, find that this process is more stressful due to their limitations. The disability process includes filing an application, and most applications are denied at this level. Then there is the reconsideration level and hearing level.

If you try to ask questions about how the social security disability process works, it can be difficult to get those answers right away. The claims representatives process your claims and can ask basic questions, but there are disability examiners that make the decisions on your claim. You may be in contact with such an examiner to discuss your work history, daily living activities, and your medical history.

Why is the process so time-consuming? The Social Security uses a very distinct definition of disability. It is not enough for have a certain percentage loss-of-function or to lose the ability to return to a job. The individual must have a severe medically determinable impairment (either mental, physical or both), which needs to last for one full year or longer. Secondly, the condition needs to be severe enough that it impacts normal daily activities and interferes with the ability to do basic work activities.

Furthermore, when the applicant for Social Security disability benefits supplies medical physician and clinic information, Social Security then sends out letters to those physicians and clinics, asking for specific information related to the claimant. The address and other contact information that you supply to Social Security needs to be accurate, or it could cause a significant delay in your case.

Additionally, it is important for you to supply a complete and detailed work history during your interview for disability benefits. It is best to write down this work history before your appointment so that you don’t forget or accidentally omit anything in error.

Typically, if your limitations don’t rule out the ability to return to your former work, you may be denied on this basis. If limitations prevent you to return to your former job, you will move to a final step – determining whether you have education and skills to possibly perform any other work. If your condition is severe enough where you cannot do your previous work or any work that relies on their education and job skills, you will most likely meet requirements for disability.

Decisions regarding disability claims can take between 90-120 days, or longer, from the time that you apply for benefits. It is best not to get discouraged, as the denial rate for initial and reconsideration applications tends to be somewhat higher than you’d expect. However, going through the reconsideration phase allows you to get the hearing, and this phase may get you the approval that you need. Due to the length and complex issues surrounding the application process, it is highly recommended to seek out attorney representation, as he or she can handle all necessary paperwork and be able to advocate for you.

When It’s Time For Assisted Living

Dementia is a very serious mental health problem that can cause riffs in the family if family members don’t know how to care for them. Although many families would rather have their every one in their family be with them, caring for those with dementia can take its toll and cause exhaustion, both physically and financially. This is the reason why SeniorAdvice.com suggests finding an assisted living facility for your loved one to ensure that they are well taken care or and their health are looked after.

There are various signs that point out your senior loved one is better off in an assisted living than staying at home. Among such sign are them wandering off on their own for long times and the incident has become more frequent. This can lead to injuries that could be serious or even fatal given the fragile state of their health. Another pronounced sign is their increased irritation or aggression that can disrupt everyday family routine. Other signs are the increased in care needs and the stress that it causes to the caregiver. Dementia may require more than just physical help, and caregivers are often not well equipped to help provide these increasing needs, which can lead to problems in the long run.

It is always very hard to decide putting your loved one in an assisted living facility and have them be away from you and your family. However, it may be the best choice if your elder loved one is seriously in need of care and you are not able to provide them the much needed help that they need. Assisted living facilities provide health care and attention to their residents to guarantee that they are given the best experience in their senior years. Planning ahead would help in making sure that finances are not compromised, and make sure to stay informed and updated on options regarding financing elder care and how to provide them with not only the right care but also the appropriate activities that will help keep them healthy and enjoying life.