Do you know why it’s so hard to access Social Security benefits?
Spencer Bishins, a former Social Security Administration employee, reveals why in his book ‘Social Security Disability Revealed: Why It’s So Hard to Access Benefits and What You Can Do About It’.
After working for SSA for more than ten years, Spencer was in the unique position to uncover why the Social Security system is so complex and difficult for applicants to navigate.
Not only does Spencer reveal the barriers that Social Security uses to keep applicants from applying, he also explains how the process works and the financial incentives for denying applications.
With his vast knowledge and experience in the Social Security system, Spencer is the perfect person to help demystify the complicated disability system, and this article will be a great place to start.
Here are the steps you need to follow to also get financial security stability:
1. Identifying the need for Social Security Disability benefit
Identifying the need for Social Security Disability Benefits can be a daunting and confusing task, especially because the Social Security Administration (SSA) does not provide detailed instructions on how to do so. The SSA often puts up barriers to discourage people from applying and to keep them from easily accessing benefits. Spencer Bishins, a former SSA employee who has worked in the private sector for two years and at the Appeals Council and the hearing level for a combined eleven years, recommends that individuals have a comprehensive, clear guide to understand the process. He wrote his own book, Social Security Disability Revealed, Why It’s So Hard to Access Benefits and What You Can Do About It, to explain the SSA’s complicated disability system.
- The process of identifying the need for Social Security Disability Benefits should start with an application, but with the understanding that the SSA does not tell applicants what specific medical records or opinions are needed for approval.
- Spencer explains that the SSA has an incentive to deny as many claims as possible because of the economics of the system.
- The SSA has the ability to adjust the rate of approvals or denials depending on the amount of money taken in and paid out of the system.
- Additionally, Congress can make changes to the retirement age, the income cap, and the tax rate to bring in more revenue.
- Finally, immigration policy can also impact the amount of money in the Social Security trust fund.
2. Applying and submitting the appropriate medical records
When applying for Social Security disability benefits (SSDI or SSI), it is important to ensure that all the necessary medical records are submitted to the Social Security Administration (SSA).
This includes medical evidence such as medical records, lab results, X-rays, MRI and other imaging studies, prescriptions, and treatment notes.
These records must be collected from the applicant’s healthcare providers, including doctors, hospitals, therapists, and any other medical professionals involved in their care.
It is important to include all the medical evidence that is relevant to the disability, as the SSA will use this information to decide on the claim. It is also important to ensure that each piece of evidence is properly documented and signed by the healthcare provider.
This includes a detailed medical opinion that explains the applicant’s disability and how it affects their ability to work. Any supporting documents such as letters from friends, family, employers, or other people familiar with the applicant’s disability should also be included.
The applicant should make sure to submit any relevant documents that may help support their claim.
3. Understanding the complex rules and procedures of Social Security to ensure the best chance of approval.
Understanding the complex rules and procedures of Social Security to ensure the best chance of approval is a daunting task. Social Security has created barriers and made it intentionally difficult to access benefits. In order to navigate the system and understand the rules, an individual should read Spencer Bishin’s book, “Social Security Disability Revealed: Why It’s So Hard to Access Benefits and What You Can Do About It”. This book will provide an in-depth look into the process, the process for making decisions, the hearing process and appeals process, and explain why it is so difficult to access benefits. Additionally, it will outline the medical records and tests needed, what should be included in a medical opinion, and the financial incentives for Social Security to deny a claim. Lastly, it explains that Social Security operates like a for-profit company and has the ability to adjust the approval rate and provide more or fewer benefits. With this knowledge, individuals will be more informed and have a better chance of approval.
Spencer Bishins, a former Social Security Administration employee, has revealed why it is so difficult to access Social Security disability benefits.
With his knowledge and experience, he wrote a book called Social Security Disability Revealed: Why It’s So Hard to Access Benefits and What You Can Do About It, to help demystify the complicated disability system.
This book provides an in-depth look into the process, the hearing process and appeals process, and explains why it is so difficult to access benefits. With the right knowledge and understanding of the system, individuals can have a better chance of approval. Don’t let the system discourage you – with the right resources and understanding, you can achieve the same result.
I’d love to hear how you apply Social Security Disability Revealed to get financial security stability.
Leave me a comment on how it went for you or drop any questions you want me to answer!