Understanding Social Security Disability (SSD)

Social Security Disability (SSD) benefits provide essential financial support to individuals who are unable to work due to a disabling condition. At Stern & Cohen, we understand the complexities of the SSD process and are dedicated to helping our clients in Philadelphia and throughout Pennsylvania navigate these challenges. Our goal is to ensure that you receive the benefits you deserve as quickly and efficiently as possible.

Who Qualifies for SSD?

To qualify for SSD benefits, you must meet certain criteria set by the Social Security Administration (SSA):

Disability Status

Your condition must meet the SSA’s strict definition of disability. This means:

• Severe Impairment: Your condition must significantly limit your ability to perform basic work activities, such as lifting, standing, walking, sitting, and remembering.
• Duration: The impairment must be expected to last at least one year or result in death.
• Listed Conditions: The SSA maintains a list of medical conditions that are considered severe enough to qualify for disability benefits. Even if your condition is not on the list, you may still qualify if you can demonstrate that it is as severe as a listed condition.

Work History

You need to have a sufficient work history to qualify for SSD benefits, which is measured in work credits:

• Earning Work Credits: You earn work credits by working and paying Social Security taxes. In 2024, you earn one credit for each $1,640 of earnings, up to a maximum of four credits per year.
• Required Credits: The number of work credits you need to qualify for SSD depends on your age at the time you became disabled. Generally, you need 40 credits, 20 of which were earned in the last 10 years ending with the year you became disabled. Younger workers may qualify with fewer credits.

Our SSD Services

At Stern & Cohen, we offer comprehensive services to assist you through every step of the SSD application process:

1. Initial Consultation

• Free Evaluation: We offer a free initial consultation to evaluate your case. During this meeting, we will discuss your medical condition, work history, and the likelihood of qualifying for SSD benefits.

2. Application Assistance

• Accurate Completion: Completing the SSD application can be daunting. Our team will assist you in filling out the forms accurately and thoroughly, ensuring that all necessary medical and work history information is included.
• Documentation: We help you gather and organize all required documentation, such as medical records, work history, and other relevant information, to support your claim.

3. Appeals Process

• Denial Management: If your initial application is denied, don’t be discouraged. Many first-time applications are rejected. We will guide you through the appeals process, which may include reconsideration, hearings, and appeals to the Appeals Council.
• Support: If your case moves to the appeal stage, we will be there to assist and provide the necessary support to improve your chances of a favorable outcome.

4. Medical Evidence Collection

• Collaboration with Healthcare Providers: We work closely with your healthcare providers to collect comprehensive medical evidence. This includes detailed reports and evaluations that clearly outline the severity and impact of your condition.
• Expert Opinions: When necessary, we may seek additional opinions from medical experts to strengthen your case.

Why Choose Stern & Cohen?

• Guidance in SSD Law: Our team has a strong understanding of Social Security Disability (SSD) law. We stay up-to-date with the latest SSA regulations and are ready to guide you through the process, offering the support you need to move forward with confidence.
• Personalized Support: Every case is unique, and we provide personalized attention to address your specific needs and concerns. Our tailored advice and strategies are designed to maximize your chances of a successful outcome.
• Compassionate Assistance: Navigating the SSD process can be challenging. Our team is here to offer compassionate support and guidance, ensuring that you feel informed and empowered throughout each stage of your claim.

Contact Us

If you or a loved one is unable to work due to a disabling condition, don’t hesitate to reach out to Stern & Cohen. We are committed to helping you secure the benefits you deserve. Contact us today for a free consultation.