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ABLE ACT MOVING THROUGH CONGRESS

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The ABLE Act is moving through Congress and should get the Presidents approval if the Senate approves the bill.  The Act would creates ways for the disabled to save with no tax consequences and without losing benefits.

According to WISTV.COM, the bill is modeled after the tax-free college savings accounts.  The ABLE Act bill would change the federal tax code to allow states to establish the savings account program. To qualify for the account, a person would be diagnosed as disabled by age 26, with the disability resulting in “marked and severe functional limitation”.  Individuals already receiving Social Security disability benefits would also qualify.

Families could then set up tax-free accounts with banks, depositing up to $14,000 annually to pay for long-term needs such as transportation, health care, and education.  The qualified contributions are to be in after-tax dollars, but earnings will grow tax-free.  ABLE accounts could grow as large as $100,000 without the disabled individual losing their government benefits such as Social Security (current asset limit is $2,000), and Medicaid.

SOCIAL SECURITY DISABILITY CLAIM PROCESS EXPLAINED IN A VIDEO

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I made an appearance many years ago, on a local television show here in Baton Rouge called Legal Lines.  In the video, I discuss the Social Security Disability claims process with a member of my former law firm.  The video is linked here.

If you want to discuss your Social Security Disability claim with a local lawyer in Louisiana, please contact me at jnicholsonlaw@gmail.com.

HOW LONG DOES IT TAKE TO WIN AN APPEAL?

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Once your disability claim is denied by the Social Security Administration, you can hire an attorney to file your appeal and represent you at a hearing.  The attorney has 60 days to file your appeal, but it is good to hire an attorney quickly, because there is a long wait between when you file an appeal and when the claim is assigned for hearing.  I prefer to start the appeal process as soon as possible, so that my client is assigned a hearing date as soon as possible.

In Louisiana the wait for a hearing can be as long as seven months or even longer.  The average wait time in New Orleans is 12 months, compared to 7.5 months with the Shreveport ODAR.  The Social Security Administration’s wait time stats for your jurisdiction can be found here.

Once your hearing is done, the Administrative Law Judge who heard the case writes an opinion, either granting or denying your benefits.  It takes about two months to receive an opinion from most ALJ’s, but sometimes it takes longer.  When a favorable opinion is rendered, the opinion is sent to the benefits facility for processing and it generally takes a couple of months for SSA to issue your first check.  As you can see, the whole process, from application to benefits, can take a year or longer.

Sally Greer’s story, recently published in the Orange County Register, is similar to the story of most of my clients.  And the wait times in her jurisdiction are similar to the wait times experienced in most of Louisiana.  Sally’s story is a real world example of what to expect when waiting on your claim to be approved.