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The Four Biggest Mistakes SSD Claimants Make When Applying for Benefits
While so many of us unable to work are able to benefit for Social Security Disability benefits, not all who apply for them-and truly need them-receive the relief they need. This is due to an extremely stringent and rigorous examination process the Social Security Administration (SSA) must employ to deter fraud and select claims that are actually legitimate. The unfortunate side of this vetting process is that many deserving applicants are denied benefits.
Most of these denials are due to common mistakes applicants may not be aware are frowned upon. Many of these simple mistakes can be caught early and corrected either before applying or after receiving a rejection.
Four common mistakes claimants make with their SSD application include:
- Collecting unemployment while filing for SSD benefits: for many, unemployment and SSD may seem like the same thing, but they are very different. Collecting unemployment means that you have agreed to actively look for work. SSD benefits require applicants to establish that they are physically or mentally unable to work for a prolonged period of time. If the SSA sees that an applicant is collecting unemployment, their application will be denied.
Report Claims Social Security Overpaid Recipients $17 Billion Over the Last Decade
According to a report from the agency's inspector general, Social Security has overpaid disability benefits recipients by $17 billion over the last decade. The discovery has added fuel to the debate lawmakers are already having concerning the program's future.
AsThe Chicago Tribune reports, the ten-year investigation found that Social Security has continually paid benefits to those who made too much money to qualify for disability. Payments were also regularly issued to those who were no longer disabled, were in prison, or had died. The study also claimed that Social Security was able to recover about $8.1 billion of the accidentally issued money, but that the recouping process can take years to complete.
The new report has already inspired more criticism from Republicans, who want the Social Security Disability system dismantled. "Every dollar that goes to overpayments doesn't help someone in need," Republican Senator Chuck Grassley of Iowa told the press. "Given the present financial situation of the Social Security Disability Insurance trust fund, the program cannot sustain billions of dollars lost to waste."
Democrats Counter Republican SSDI Cuts With Creative Alternative
When they won a majority in congress during the 2014 mid-term elections, Republicans almost immediately went to work to attack the Social Security Disability program. They moved to block replenishing funds from the Old-Age Survivors Insurance Fund (Social Security Retirement fund) until Democrats agreed to fiscal cuts. Without the transfer of funds between the two accounts, SSDI would run out in 2016, leaving countless citizens without the benefits that they need.
Now, just last month, Democrats have fired back with an unexpected proposal that would end long-standing contention between the two funds: combine them. As Talking Points Memo reports, the proposal to merge Social Security Retirement and Disability funds would not only make Social Security solvent until 2033, but also reap a number of other benefits.
Are Social Security Benefits Taxable?
Some individuals receiving Social Security benefits must pay federal income taxes. The tax is computed only if you have substantial income. That income can include wages from work, self employment, interest dividends and other income. It is important to note that no one pays taxes on more than 85 percent of their Social Security benefits.
If you file an individual federal tax return, you must pay taxes on some portion of your benefits if your combined income exceeds $25,000. If you file a joint return, you must pay taxes if you and your spouse have combined income of more than $32,000. If you are married and file a separate return, you probably will have to pay taxes on your benefits. You can read more about tax preparation relating to Social Security benefits at www.socialsecurity.gov/planners/taxes.htm.
Social Security benefits include retirement, survivor and disability benefits. Those individuals who only receive Supplemental Security Income (SSI) payments do not have to worry about paying federal taxes as SSI benefits are not taxable.
Veterans Choice Act - Is it Making any Difference
The Veterans Choice Act was authorized by Congress to address the health care access issues faced by Veterans. The Act authorized a fund to operate for three years to provide Veterans who were enrolled as of August 1, 2014 or who were eligible to enroll as a recently discharged combat Veteran.
The Act would provide Veterans with a Veterans Choice Card. The program was designed to allow Veterans to obtain medical care from private physicians when the Veteran lives at least 40 miles from a VA health care facility OR if they face a wait of more than thirty (30) days for an appointment.
The Veterans Choice, Access and Accountability Act of 2014 was signed into law. Since its enactment, approximately 8.5 million veterans nationwide have received cards. Unfortunately, only 0.37 percent of the Veterans have been authorized access to private care.
Veterans from Indiana, Kansas, Minnesota and other states are finding that the Veterans Affairs Department officials will not authorize treatment. Paul Walker of Minnesota who suffers with stage 4 liver cancer was denied treatment because he lives 20 miles from a VA clinic. However, that clinic only provides dental, vision and basic medical care.
Will the VA Reach Its 2015 Goal?
In 2013, the U.S. Department of Veterans Affairs (VA) reported that it had a staggering 600,000 veteran benefits claims backlogged, waiting to be seen and reviewed. The shocking number, attributed to a surge in new claims from Vietnam veterans' Agent Orange claims, grabbed headlines and spurned the agency into setting a lofty goal in 2015: to work through its entire backlog of claims and make sure that the veterans who have applied get the assistance they need.
A new report from the Houston Chronicle details the renewed efforts by the VA to improve its efficiency and eliminate waiting times for veteran applicants. They have reported:
- They currently has approximately 235,700 back logged claims
- The VA has processed more than a million claims a year for four years
Veterans' Administration Problems Continue
VA Secretary Bob McDonald is under fire as the scandals continue. CBS reports that widows of veterans have not been assisted with burial expenses, nor have they been extended the long tradition of receiving the American flag in honor of their veteran's service.
CBS investigation revealed that the problems with the Veteran's Administration continue to be widespread. Of particular emphasis was the Oakland facility where over 13,000 claims were simply ignored and many of the veteran's with claims had died. Two years after the problems were first reported a follow up found that none of the records regarding these claims could be found. This is part of continuing conduct where the VA destroys records to cover up inefficiencies.
At his appointment, McDonald announced an ambitious reorganization plan for the VA. He planed firings and other discipline, but also better ways to serve the department's customers, the veterans.
Last month on Meet the Press, Secretary McDonald claimed 900 VA employees were held accountable by way of firing since he took over VA last summer. Previously, VA only admitted to firing a couple of employees while letting most senior leaders resign before consequences following investigations. Secretary McDonald elaborated on the numbers stating:
New Plan Would Add $330 Billion to Social Security Disability Benefits
In the latest development in Congress' debate over the future of the Social Security disability program (SSD), the White House has offered a new fiscal plan that would prevent the program from running out of funds in 2016. In the White House's proposed budget, $330 billion dollars would be added to the SSD fund starting in 2016, money that would last until 2033 and result in zero cuts in benefits for those currently covered.
In the past, the SSD fund was replenished periodically by funds from the Social Security retirement program, but recently, Republicans in the House of Representatives have moved to end this practice. Representatives have alleged that not only is this process detrimental to the retirement program, but that the SSD program is riddled with fraudulent claims. Under the Republicans' new restrictions, if the SSD fund was not replenished in 2016, 11 million Americans' SSD insurance benefits would be cut by 20%.
Congress Debating Social Security Disability
Last month, the new, Republican-led session of the House of Representatives shocked everyone by taking aim Social Security disability insurance (SSDI). The new bill, which has passed, stops all replenishing funds reallocated from the Social Security retirement fund. The bill instantly stirred controversy and has mobilized Democratic lawmakers who are decrying the new policy.
The reasoning for the new changes were cited as suspicion of fraud by many SSD beneficiaries, but political analysts are positing that Republicans have greater designs for Social Security disability program.
As it stands, numerous reasons have been given for the bill by Republicans. They claim:
- That SSDI needs to be halted protect it from fraud
- That the Social Security retirement fund needs to be protected
- That SSDI is a failing program and a burdensome expense on taxpayers
However, as a recent article from Talking Points Memo cites , SSDI pays out far less than the Social Security retirement program does. Annually, SSDI pays about $140.1 billion to disabled Americans while the retirement program pays a whopping $672.1 billion. The Center for Budget and Policy Priorities even states a single tax money reallocation to SSDI before 2016 would sustain the program for another thirty three years.
Republicans Place New Restrictions on Social Security Disability Benefits
Last month, the new session of the House of Representatives passed a bill that will affect the way that the Social Security disability program will be funded. Under the new changes, the fund will no longer be replenished by tax funds from the Social Security retirement fund. The transfer of tax money between these two funds has kept both programs functioning for years.
According to a recent article from Media Matters For America , Texas' own Representative Sam Johnson and Senator Rand Paul are leading the charge on these changes and continue to perpetuate a deep-seated mistrust of SSD beneficiaries among Republicans. The congressmen cite fraud prevention as the inspiration for the bill and insist that countless citizens who are benefiting from disability insurance are not actually suffering from truly debilitating conditions.
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