Tuesday, November 19, 2013

APPEAL YOUR SOCIAL SECURITY DISABILITY DENIAL - NOW

If you applied for Social Security disability and were denied, don't re-apply.  You will likely get denied again.  Filing one new application after another is like spinning your wheels.  What you need is some sand under your tires for a better grip, so to speak.  It is better to appeal than to re-apply.

Here's why:
  • Your new application will go to the same people who denied you.  You will most likely be denied again.
  •  A new claim will not protect your past benefits.
  • A new claim will probably "move ahead" your alleged onset date, costing you money - lots of money.
  • You may risk your Social Security disability insurance expiring, preventing a new claim from being filed.
Let me explain that last point.  Social Security disability is a type of insurance - with a start date and end date.  Your disability insurance usually expires about 4 years after you stop working and stop paying FICA taxes.  This expiration date is called the "date last insured" or DLI.  You cannot file a new claim after your DLI.

With rare exceptions, appeal the denial on your claim; do not file a new claim.  These are two very different things.

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