Tuesday, October 3, 2017

Social Security Representative Payee Program

representative payees
Social Security is the saving grace of most Americans of retirement age. Without such benefits, getting through one’s golden years would be even more trying than it already is in America. Those who reach the age of collecting Social Security are eligible to receive monthly checks of varying amounts. Naturally, it’s generally not a lot of money, but it is usually enough to make all the difference.

If budgeted in a sound manner, Social Security Administration benefits can go a long way. But, what if a recipient is not of sound mind? As you can probably imagine, there are a number of things that can go wrong. Before we proceed with this article, please keep in mind: A half million retirees have what are known as “representative payees.” Which is only 1.5% of SSA retirees. But, researchers Geoffrey Sanzenbacher and Anek Belbase of the Center for Retirement Research at Boston College, contend that an estimated 10% or so of retirees have dementia, Forbes reports. Recently, the two published a study on the Representative Payee Program.

If the research is accurate, that is a lot of Americans who probably should not have control over their benefits. You are probably wondering how this can be the case? The answer is that most people don’t know about the existence of the SSA Representative Payee program.

“People don’t know about the Representative Payee program,” said Sanzenbacher. “It’s one reason they don’t use it more.”


Managing SSA Benefits


Perhaps the most troubling facet of this story is that in 1939 Congress granted the SSA authority to appoint “representative payees,” according to the article. Said payees, who are not government employees, manage the benefits of beneficiaries unable to manage their finances on their own. Representative Payees decide how to spend a beneficiary’s Social Security income and/or Supplemental Security Income (SSI), and are required to keep records of how the money is spent. Naturally, to deter against elder abuse.

“Representative Payee can be a wonderful tool particularly for a person whose assets are only Social Security benefits,” says Marit Anne Peterson, program director at the Minnesota Elder Justice Center in St. Paul, Minn. 

The study had some promising findings, indicating that when a Payee is not utilized, one’s family usually steps up to manage finances. However, family is not always a reliable resource to depend on, or are no longer living with the beneficiary. In other cases, getting control of another person’s finances can be extremely tricky, even if they are your family. What’s more, family members may not be in a position to oversee the finances of their mother or father. If you have a loved one with dementia, you should take a look at the Social Security Representative Payee program.

“The people with dementia may be better off with a family member, but clearly the family member is worse off,” says Joseph Gaugler, long-term care professor of nursing at the University of Minnesota. “We clearly rely very heavily on families to provide extreme support. How long can we rely on this system?”


Help With Social Security Benefits


Making sense of the minute details of Social Security can be extremely difficult. At the Driscoll Law Corporation, we can help you or a loved one. Please contact us today.

Tuesday, September 19, 2017

Compassionate Allowances Expanded

compassionate allowancesToward the beginning of summer, we covered the important topic of Compassionate Allowances. This is the Social Security Administration's (SSA) method for fast tracking benefits for people with certain debilitating conditions. It should go without saying that Compassionate Allowances can prove to be real “life savers” for a significant number of individuals who would otherwise be subjected to the often-lengthy benefits approval process.

With any serious, chronic health ailment there is little time to juggle priorities: healthcare versus livelihood. If favorable outcomes are to be achieved, treatment must begin with haste. When it comes to cancer, that usually takes the form of chemotherapy and/or radiation. The side effects of which make it next to impossible to work, and unless an individual is financially secure, this can present a real problem.

If you or a loved one has limited resources, the SAA will likely be who one turns to. The benefits programs like, Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI), can make all the difference. After a medical diagnosis is made, there should be no reason for making someone jump through the many hoops of the approval process. The same obstacles that people with less serious conditions are required to jump through.


From Diagnosis to Benefits


Compassionate Allowances have helped nearly a half-million Americans with life threatening disabilities, according to the SSA. As of right now, the number of conditions that fall under the umbrella of Compassionate Allowances is 228. The agency recently added to the list: CACH--Vanishing White Matter Disease-Infantile and Childhood Onset Forms, Congenital Myotonic Dystrophy, and Kleefstra Syndrome.

“Social Security is committed – now and in the future – to continue to identify and fast-track diseases that are certain or near-certain to be approved for disability benefits,” said Acting SSA Commissioner, Nancy A. Berryhill. “The Compassionate Allowances and Health IT programs are making a real difference by ensuring that Americans with disabilities quickly receive the benefits they need.” 

If you have been diagnosed with a serious illness recently, you can find a list of list of all Compassionate Allowances conditions, here.


SSA Help


Attorney Stephanie M. Driscoll is committed to helping people with disabilities get the assistance that they require. The process is often difficult to understand and navigate. At the Driscoll Law Corporation, we can help you, if you are applying for the first time, or have been denied benefits. Please contact us today.

Tuesday, September 5, 2017

SSA Benefits Access During Disasters

SSAIn the wake of serious flooding of catastrophic proportions there are likely to be thousands of people in Texas and Louisiana who are unable to access their mail. When it comes to receiving monthly bills, there are a number of people who might welcome such an occurrence. On the other hand, if you are awaiting monthly benefit checks, being unable to access your mail is likely to cause some serious stress.

Thousands of Americans have been displaced due to the torrential flooding of Hurricane Harvey. A traumatic experience, to say the least. For those who rely on monthly benefits like Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) from the Social Security Administration (SSA), being unable to get your check is big deal. Fortunately, the SSA is prepared for these kinds of events and those who can’t get their mail have options.

Accessing Social Security Benefits


In most cases, SSA payments are made on the first of every month. For those living on Gulf Coast, September 1st has come and gone. Which means many benefit recipients may not have been able to get their check. The SSA has resources available for those impacted.

Hurricane Harvey resulted in mail delivery services being suspended in the Houston area, according to the agency. As a result, many postal centers were shuttered, as well. If you were unable to get your check(s), there is a list of Post Office locations where recipients can pick up checks with proper ID.

People who would like to pick up their checks in person can go to any one of three emergency payment locations in Texas and two in Louisiana. Beneficiaries can request an immediate payment in person at such locations, to find the locations please click here.

SSA In Times of Disaster


If you are a regular reader of this blog you are probably aware that our practice is in Southern California. Quite a distance from the Houston area and the neighboring areas affected by Hurricane Harvey. However, natural disasters can occur anywhere, including California. As we speak, wildfires are burning all over the state of California. This means that many people have been forced to abandon their homes to head for safety. If you are one of the many affected Californians, you can get information on how to get benefits by calling 1-800-772-1213 (TTY 1-800-325-0778) or go to the SSA Office Locator.

At the Driscoll Law Corporation, our thoughts and prayers go out to everyone affected by America’s current natural disasters. For those who are trying to access SSA benefits for the first time, or have been denied benefits, there are always options, but the process can be long and involved. If that is your story, please let Attorney Stephanie Merritt Driscoll advocate for you or a loved one.

Tuesday, August 22, 2017

SSA Inspector General Fraud Warning

SSN Fraud
If you are a recipient of Social Security benefits, such as Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), news that you might be eligible to get more money would likely be welcomed. After all, the amount of money that the average recipient receives each month (while helpful) is not a whole lot of money. So, if you were to receive a phone call from somebody working for the SSA, you may not hesitate to answer any questions, if it were a means to a greater financial end.

Please be advised that if you receive a call from someone claiming to be a Social Security employee, it may be a fraudulent scam. Someone attempting to phish information out of you, such as your social security number (SSN). Social Security’s Office of the Inspector General, Gale Stallworth Stone, has issued two scam alerts for SSA benefits recipients.


SSA Is Not On the Other End


The Inspector General would like all recipients to be vigilantly cautious about anyone who calls claiming to be employed by the administration. With one scammer luring people to divulge personal information by enticing them with a 1.7 percent cost-of-living adjustment (COLA) increase of their Social Security benefits. Calling from a "323" area code, according to Forbes, the imposter attempts to get victims to verify their personal information, including:
  • Name
  • Date of Birth
  • Parents’ Name
  • Social Security Number
  • Any Other Personal Information
If the SSA imposter succeeds, they will use the information to alter victim’s direct deposit, address, and telephone information. Thus, scamming them out of their benefits. The second fraudulent act occurring right now involves former clients of Kentucky disability attorney Eric C. Conn. The Inspector General warns that the calls come from 202-681-5115, and the scammer will offer victims $9,000 from a “Conn Client Compensation Fund” (nonexistent) if they send $200 to the “Federal Reserve Bank of New York.”


Protecting Yourself from Fraud


You can learn how to protect yourself and your clients, here. But below you will find three tips from the Inspector General:
  • Understand the threats. Be wary of scammers who may impersonate government officials or seek advance payment for services.
  • Exercise caution. In general, no government agency or reputable company will solicit your personal information over the phone or by email, or request an advance fee.
  • Secure your information. Store your Social Security number in a safe location — don’t carry it with you. Shred documents that include your personal information.


Moving forward...


If you live in the Orange County area of California and you believe you might have responded to a scam call regarding your Social Security information, please take the time to contact Attorney Stephanie Merritt Driscoll of Driscoll Law Corporation. We may be able to assist you in reaching out to the appropriate Social Security Administration department to alert the SSA of a possible scam.

Wednesday, August 9, 2017

Orange County Homeless Czar Shows Promise

Homelessness is a major concern across the United States, and California is not exempt. In major cities across the state, thousands of people are without home or employment to pay for the core necessities. Orange County’s homeless population, in many cases, is living in conditions of squalor. Living in tents and storm drains, due to a serious lack of homeless shelters. Many people living in such conditions have serious mental and physical health problems, making their ability to find employment untenable.

While many of such people would qualify for state assistance, the process for applying for Supplemental Security Income and Social Security Disability Insurance benefits is too much to take on without help. These benefits could, in fact, make all the difference in changing one’s situation.

In an effort to gain control of the ever-growing homeless problem in Orange County, a call went out to the Board of Supervisors and other county officials to step up their efforts, The Orange County Register reports. The call was answered by the appointment of “Homeless Czar” Susan Price, at the end of May 2016. By October, Price had helped with efforts to open The Courtyard homeless shelter, providing emergency housing for as many as 400 people. Next year, renovations will be completed on Bridges at Kraemer in Anaheim, which will be able to assist 200 people, offering health services, employment counseling and other resources like SOAR.

“When I arrived, the board had already laid the groundwork,” Price said. “Look what’s happened in the last year.”

SSI/SSDI Outreach, Access and Recovery



As was mentioned above, with the aid of certain benefits a number of people could get back on their feet and acquire permanent housing. But, they need help. SSI/SSDI Outreach, Access and Recovery (SOAR) involves county workers trained to help the homeless successfully fill out applications for SSI and SSDI, according to the article. The little bit of extra help is what many need, but have been unable to get.

“It’s a critical component,” Price said. “Trying to negotiate that system on your own is not realistic. It doesn’t happen successfully. We have to do it with and for them, in some cases.”

SOAR is funded by the Substance Abuse and Mental Health Services Administration (SAMHSA), an agency that believes mental illness recovery rests on having a safe place to live. Given that a significant number of homeless men and women have mental health concerns, SOAR can have a dramatic impact on reducing the homeless population.

“This is about benefits,” she explained. “The primary thing is connecting people to income and benefits that they’re eligible for.”

SSDI and SSI Help



At Driscoll Law Corporation, we can help you or a loved one navigate the process of Social Security benefits, like SSI and SSDI. If a denial was received, we can help you with the appeals process. Please contact Attorney Stephanie Merritt Driscoll, today.

Tuesday, July 25, 2017

Electronic Medical Records Speed Up Benefits Process

SSA
In the 21st Century there is a hardly a thing in our lives that has not been digitized. Meaning, pretty much anything you previously did by hand and paper can now be accomplished over the internet. Rather than send a letter, we email it. We balance our checkbooks, pay our bills online. Many households, today, are paper-free. There are fewer instances when a hard copy is needed to accomplish something.

As the world becomes more streamlined, seemingly more efficient with each year that passes, life appears easier for all concerned parties. Unfortunately, one field that has been slow to go electronic is the health care system. The exchange of health medical records between offices and doctors, is in many cases done electronically. However, communicating between doctor’s offices and federal agencies is in most cases still accomplished manually using mail and fax.

This archaic method of communique can significantly impact people’s lives, especially those who are awaiting decisions about Social Security Administration (SSA) benefits programs, such as Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Individuals are often required to wait months for a decision, because of the slow exchange of patient information. The longer one waits, the longer they go without the benefits they need to get by while being unable to work.


Social Security Administration Health IT


In an effort to speed up the decision process for people with disability, the SSA has begun partnering-up with hospitals across the country to securely exchange medical records for patients applying for benefits. In California, Cedars-Sinai and Kaiser Permanente are eFiling with the SSA. Recently, the agency announced that Johns Hopkins Medicine in Baltimore, MD, is now on the list of partners sharing medical records electronically, according to a press release. This will not only save money, it will save an exponential amount of time for the agency to reach decisions about people applying for benefits. Monica Miles from the Health IT Program office at the Social Security Administration, says:

“Now, here is how the process works: The DDS [Disability Determination Services] sends requests for medical information to the healthcare providers identified by the claimant in the application process. When the DDS receives the medical information, they evaluate it and make the disability determination. In the majority of cases, this is still a manual process that is slow and cumbersome. It takes on average about 90 days to process a claim with most of that time spent waiting for the medical information to be received."

“By using Health IT to automate this process, we send an electronic request to the healthcare provider system, and information is returned in a standardized Health IT format within seconds or minutes rather than weeks or months."

You can watch a video on how the process works, here.


SSDI and SSI Help


If you or a loved one has been injured recently, or been diagnosed with a debilitating illness, there is a good chance that assistance will be required. The process to apply for benefits can be both time consuming and confusing. And, in the end, you may not get the decision you were looking for. If you have been denied, or are applying for the first time please contact The Driscoll Law Corporation, we can help.

Wednesday, July 5, 2017

Office of Disability Adjudication and Review (ODAR)?

ODAR
If you have been injured, or have been diagnosed with a serious illness—your ability to work is impacted. If you can’t work, then paying your monthly bills can be a serious challenge. In many cases, one has more than just themselves to think about. Not working affects the whole family. Fortunately, in America we have social assistance programs to aid people who are not able to be gainfully employed because of illness or injury.

The Social Security Administration (SSA) has several programs that can make one’s life easier. The process for receiving such benefits can, at times, be a lengthy and involved process. It often requires enlisting the help of an attorney who is skilled in Social Security disability law.

Being Denied By Social Security


If you have applied for benefits from the Social Security Administration (SSA), it is possible that you were denied. If that is the case, you can appeal the SSA decision. Anyone who requires benefits, such as Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), is going to want to appeal such a decision. If you are in legitimate need of assistance, then you cannot afford to do otherwise.

In the United States, the appeals process involves the Office of Disability Adjudication and Review, or ODAR for short. ODAR is one of the largest administrative adjudication systems in the world, according to the SSA. Headquartered in Falls Church, Virginia, across the country ODAR has:
  • 10 Regional Offices
  • 166 Hearing Offices (including 2 Satellite Offices)
  • 5 National Hearing Centers
  • 4 National Case Assistance Centers
With more than 1,500 administrative law judges (ALJ) across the country, and over 636,285 decisions at the hearing level are made each year. For more information about your local ODAR office, please click here and click on the area of the map at the bottom where you reside.

Help With SSA Benefits


The process for applying for benefits can be challenging, and you will not always get approved on the first try. Stephanie Merritt Driscoll can help you with appealing your decision, serving ODAR offices in Los Angeles, Orange, San Diego, Riverside and San Bernardino Counties. Please contact us to today for a free consultation.