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If your LTD claim is accepted, benefits are typically paid to you monthly; however, there are some circumstances in which the disability insurer can ask for their money back for other disability payments you have received. The private insurer will typically call this an “overpayment.”

You cannot opt out of Part A coverage while receiving Social Security Disability Insurance (SSDI) unless you are willing to repay all of the SSDI payments that you have received, which means that you will most likely be required to keep it even if there is coverage available through an employer insurance policy held by a spouse. You can drop your Part B coverage if your employer provides it.

Questions asked at a hearing are related to personal background, education qualifications, employment history, activity limitations related to physical capacity, activity levels related to mental capacity, and medical history.

If you continue to meet the requirements for disability, your Social Security Disability benefits will remain payable. If you are still disabled, when you reach full retirement age, your retirement benefits will start, and your SSDI benefits will end. In other words, your SSDI benefits become retirement benefits from Social Security.

You should continue to receive disability payments from Social Security for as long as you remain disabled and up until the age at which you become eligible for retirement. Your social security disability payments will automatically convert to social security retirement benefits once you become eligible for retirement.

The good news is that you may be eligible to receive your pension earlier if you suddenly get disabled or are not able to work, and it’s expected that you won’t be capable of going back to work.

Most people can draw pensions without bearing on their Social Security disability payments. Only those who spent a significant portion of their careers working outside the Social Security system will generally have concerns about the amount of their monthly Social Security disability payouts.

Before you start, the Social Security Administration (SSA) has strict definitions of disability that you may not even be eligible for if you don’t fall under them. Further, the application process is extremely difficult and time-consuming. Lastly, once you win disability benefits, you will not be allowed to work or receive medical insurance.

You are eligible for SSDI if you can’t work, and your benefits are based on your average lifetime earnings before your disability starts. Owning a home, a vehicle, money in a savings account, or having other assets has no bearing on SSDI payments and does not affect your social security disability insurance benefits.

So, how long does it take to get disability for mental illness? Normally, the Social Security Administration (SSA) takes 3–5 months to approve your disability application. Once approved, you are provided with the amount almost immediately.

After receiving a letter denying your initial application, you have up to 60 days to file a Request for Reconsideration. In the Reconsideration process, a different examiner will look at your case and all of the medical evidence you provided. However, the same guidelines followed are that which were present in the original evaluation of your application.

The SSA has divided its rigorous evaluation process into four phases to evaluate each case. These are (1) initial application; (2) Request for Reconsideration; (3) Hearing; (4) Appeals Council and Beyond. 

If you’re wondering how to describe the pain to a disability judge, all you need to do is be precise and honest. Try to use as many specifiers as possible. Use numerical values when explaining how frequently the pain happens.

CDRs can happen anywhere from six months to seven years after a disability award, based on the prospect of medical improvement. If the SSA finds during this review that you are no longer disabled or that your medical condition no longer prevents you from working, then your benefits will be terminated.

The most important things you need to establish are your inability to stoop or bend or squat and the requirement to sit and stand as much as needed throughout the day. The more restrictions you can establish, the better.

Your first review will typically take place six to 18 months from the day you became disabled if the improvement is anticipated. The SSA will examine your case about every three years if progress is possible, but cannot be foreseen. A seven-year evaluation of your case will be conducted if no improvement is anticipated.