Winning Isn't Easy: Navigating Your Social Security Disability Claim

SSI for Children: Deeming, Denials, and How to Qualify

Wed, 04 Mar 2026 05:00:00 -0500

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Welcome to Season 2, Episode 7 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into SSI for Children: Deeming, Denials, and How to Qualify.

Many families seeking Supplemental Security Income for a child are caught off guard by how difficult the process really is - and how easily a valid claim can be denied. SSI for children isn’t just about having a diagnosis. The Social Security Administration applies strict financial rules, detailed medical standards, and functional criteria that many parents don’t learn about until their child’s claim is already at risk. In this episode of Winning Isn’t Easy, we break down how SSI works for children and why so many families are denied despite serious medical or learning conditions. We explain the 2026 SSI rules, how parental income and resources are “deemed” to the child, and why this technical rule alone derails countless applications. We also discuss how disability is evaluated for children, what evidence matters most, and how to clearly document functional limitations at home, school, and beyond. By the end, you’ll understand why SSI for children is more than a benefits application - it’s a carefully structured case, and knowing the rules early can make all the difference.

In this episode, we'll cover the following topics:

One - The Two Hurdles in Receiving SSI for Children

Two - The Resource Trap: What You Own

Three - Proving the Case – The "Six Domains"

Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Long-Term Disability ERISA Claims. Give it a listen: https://wiedisabilitypodcast.buzzsprout.com

Resources Mentioned In This Episode:

LINK TO YOUR RIGHTS TO SOCIAL SECURITY DISABILITY: https://mailchi.mp/caveylaw/your-rights-to-social-security-disability-benefits

FREE CONSULT LINK: https://caveylaw.com/contact-us/

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The Date That Can Kill Your SSDI Claim: Understanding DLI

Wed, 25 Feb 2026 05:00:00 -0500

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Welcome to Season 2, Episode 6 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into The Date That Can Kill Your SSDI Claim: Understanding DLI.

Many people pursuing Social Security Disability benefits are blindsided by a rule they’ve never heard of - until it ends their claim. The Date Last Insured (DLI) functions like an insurance expiration date. If you can’t prove you were disabled before it passed, benefits may be denied no matter how severe your condition is today. In this episode of Winning Isn’t Easy, we break down why the DLI derails so many SSDI claims and how this technicality is applied. We explain what the Date Last Insured is, how it differs from simply being sick, and why disability must be proven within a specific time window. We also discuss how older medical records matter, how post-DLI evidence can still be used, and strategies for overcoming a remote DLI. By the end, you’ll understand how to find your DLI, what evidence carries the most weight, and how to protect your claim before the clock runs out.

In this episode, we'll cover the following topics:

One - What is “Date Last Insured”

Two - The Insurance Expiration Rule and The Difference Between "Being Sick" and "Being Disabled"

Three - How We Use Post-DLI Records Anyway

What You Have to Prove to Get Social Security Disability Benefits for Restless Leg Syndrome

Wed, 18 Feb 2026 05:00:00 -0500

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Welcome to Season 2, Episode 5 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into What You Have to Prove to Get Social Security Disability Benefits for Restless Leg Syndrome.

Many people pursuing Social Security Disability benefits are frustrated by how difficult it can be to prove conditions that don’t always appear obvious on exams or imaging. Restless Leg Syndrome is a common example. While RLS can cause uncontrollable leg movements, disrupted sleep, chronic fatigue, and impaired daytime functioning, these claims are often closely scrutinized by the Social Security Administration under SSDI and SSI rules. In this episode of Winning Isn’t Easy, we take a practical look at how RLS is evaluated in disability claims and why these cases can be challenging to win. We explain how RLS symptoms affect functional capacity, what makes RLS medically determinable, and how sleep disruption and fatigue factor into the SSA’s analysis of your ability to work. We break down the evidence that matters most, including medical records, sleep studies, residual functional capacity assessments, and documentation of daily limitations. We also walk through the Five-Step Sequential Evaluation process, common reasons RLS claims are denied, and strategies for filing, appealing, and strengthening your case. By the end of the episode, you’ll have a clearer understanding of how to present an RLS claim, what evidence carries weight, and how to improve your chances of securing the disability benefits you deserve.

In this episode, we'll cover the following topics:

One - Understanding Restless Leg Syndrome and the Five-Step Sequential Evaluation

Two - Four Things You Need to Know About How to Prove Your Social Security Disability Claim as a Result of Restless Leg Syndrome

Three - Filing Your Claim, Handling Denials, and Working with an Attorney

Winning Your Social Security Disability Claim for Migraines: A Step-By-Step Guide

Wed, 11 Feb 2026 05:00:00 -0500

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Welcome to Season 2, Episode 4 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into Winning Your Social Security Disability Claim for Migraines: A Step-By-Step Guide.

Many people applying for Social Security Disability benefits are frustrated by how difficult it can be to prove conditions that don’t always show up clearly on imaging or lab tests. Chronic migraines are a prime example. While migraines can cause severe pain, nausea, light and sound sensitivity, fatigue, and cognitive disruption, the SSA often scrutinizes these claims closely under SSDI and SSI rules. In this episode of Winning Isn’t Easy, we take a focused look at how the Social Security Administration evaluates migraine-related disability claims. We explain why migraine claims are frequently challenged, what makes migraines medically determinable, and how the SSA assesses their functional impact on your ability to work. We break down the importance of documenting frequency, severity, triggers, and post-migraine symptoms, as well as how headache diaries, treatment records, and residual functional capacity forms can strengthen your case. By the end of the episode, you’ll have a clearer understanding of how to present chronic migraines to the SSA, what evidence carries the most weight, and how to better position your claim to improve your chances of securing the disability benefits you deserve.

In this episode, we'll cover the following topics:

One - Winning Your Social Security Disability Migraine Case

Two - The Power of a Migraine Diary

Three - More Secrets to Keeping a Winning Migraine Diary

Interstitial Cystitis and Your Social Security Disability Claim

Wed, 04 Feb 2026 05:00:00 -0500

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Welcome to Season 2, Episode 3 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of Interstitial Cystitis and Your Social Security Disability Claim.

Many people applying for or receiving Social Security Disability benefits are frustrated by how hard it can be to prove chronic conditions that don’t always look disabling on paper. While severe physical impairments are often easier for the SSA to recognize, conditions like Interstitial Cystitis (IC) are frequently scrutinized more closely. Symptoms such as chronic bladder pain, frequent and urgent urination, fatigue, sleep disruption, and difficulty concentrating can significantly interfere with daily life and the ability to work - but they must be documented carefully to meet Social Security’s rules. In this episode of Winning Isn’t Easy, we take a detailed look at how the Social Security Administration evaluates Interstitial Cystitis under SSDI and SSI. We explain why IC claims are often challenged and what the SSA looks for when determining whether the condition is medically determinable and functionally limiting. We break down the types of medical evidence that matter most, how pain and fatigue are assessed, and why documenting urinary frequency, urgency, and related limitations is critical. We also discuss the role of residual functional capacity forms, treatment records, and physician support in strengthening an IC-based claim. By the end of the episode, you’ll have a clearer understanding of how to present Interstitial Cystitis to the SSA, what evidence carries the most weight, and how to better position your claim to improve your chances of securing the disability benefits you deserve.

In this episode, we'll cover the following topics:

One - What Should I Be Telling My Doctor About My Interstitial Cystitis Symptoms That Will Help Me Win My Social Security Disability Claim?

Two - More About Step One - How Does the Social Security Administration Determine if My Interstitial Cystitis Is a Medically Determinable Impairment?

Three - Tips for Strengthening Your Interstitial Cystitis Social Security Disability Claim

Navigating Social Security Disability: COVID, Chronic Illnesses, and Invisible Conditions

Wed, 28 Jan 2026 05:00:00 -0500

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Welcome to Season 2, Episode 2 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of Navigating Social Security Disability: COVID, Chronic Illnesses, and Invisible Conditions.

Many people applying for or receiving Social Security Disability benefits are surprised by how difficult it can be to prove conditions that aren’t always visible. While obvious physical impairments are easier to recognize, chronic and invisible conditions like Long COVID, Parkinson’s, Chronic Fatigue Syndrome, dizziness, or immune system disorders often face closer scrutiny from the Social Security Administration. Symptoms such as brain fog, fatigue, cognitive impairment, and recurring flare-ups can be just as disabling - but they require careful documentation to meet the SSA’s rules. In this episode of Winning Isn’t Easy, we explain how the SSA evaluates invisible and chronic conditions and why these claims are often challenged. We break down the medical evidence the SSA looks for, how functional limitations are assessed, and why detailed treatment records and residual functional capacity forms are critical. We also discuss how these conditions are analyzed under SSDI and SSI and what can strengthen a claim. By the end of the episode, you’ll have a clearer understanding of how to present invisible and chronic conditions to the SSA and how to improve your chances of securing the benefits you deserve.

In this episode, we'll cover the following topics:

One - Understanding Social Security Disability for COVID-19 and Related Conditions

Two - Chronic Conditions and Neurological Impairments

Three - Dizziness, Immune Disorders, and the Five-Step Evaluation

The Hidden Risks of Extra Income: Rental Properties, Real Estate Work, Self-Employment, and Social Security Disability Eligibility

Wed, 21 Jan 2026 05:00:00 -0500

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Welcome to Season 2, Episode 1 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of The Hidden Risks of Extra Income: Rental Properties, Real Estate Work, Self-Employment, and Social Security Disability Eligibility.

Many people receiving Social Security Disability benefits are surprised to learn that owning property, collecting rent, or earning side income can put their benefits at risk. While most know that full-time work can jeopardize eligibility, fewer realize that rental payments, online sales, or small business profits may also raise red flags with the Social Security Administration. In this episode of Winning Isn’t Easy, we explain how the SSA evaluates income that looks “passive” but may still count as work. We break down the difference between earned and unearned income, what qualifies as substantial gainful activity, and why activities like managing rental property or running an online business can trigger problems. We also compare SSDI and SSI, showing how the same income or property can have very different consequences depending on which program you receive. By the end of the episode, you’ll better understand where the lines are drawn and how to protect the benefits you’ve earned.

In this episode, we'll cover the following topics:

One - Understanding SSDI, SSI, and How Rental Income Fits In

Two - Real Estate Agents Who Own Rental Property

Three - Administrative Law Judge Awards Benefits at Hearing After Ruling That Self-Employment Income Selling Wellness Products Online Did Not Constitute Substantial Gainful Activity

Reductions in Social Security Disability Benefits

Wed, 17 Dec 2025 05:00:00 -0500

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Welcome to Season 1, Episode 43 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Reductions in Social Security Disability Benefits."

Many people assume that once Social Security Disability benefits are approved, the hardest part is over. In reality, benefits can be reduced, suspended, or taken away long after approval - often without warning. A few extra hours of work, a change in medical status, or a missed report can trigger serious financial consequences. In this episode of Winning Isn’t Easy, we explain the most common ways SSD benefits are affected after approval and why so many beneficiaries are caught off guard. A sudden drop in payments doesn’t always mean you did something wrong - but it does mean the rules are more complex than most people realize. We start with how work activity and income impact benefits, including what the Substantial Gainful Activity (SGA) limit really means, how the Trial Work Period works, and what happens during the Extended Period of Eligibility. We then cover other frequent causes of reductions, such as medical improvement reviews, overpayments, incarceration, debt offsets, and changes in assets or living arrangements. Finally, we examine the Windfall Elimination Provision, explaining who it affects, why it reduces benefits for certain federal, state, and military employees, and what the Supreme Court’s decision in Babcock v. Kijakazi means for National Guard dual-status technicians. By the end of the episode, you’ll have a clearer picture of how SSD benefits can be disrupted, which problems are preventable, and how to take proactive steps to protect the benefits you’ve earned.

In this episode, we'll cover the following topics:

One - Work and Income-Related Reductions

Two - Medical, Financial, and Other Factors

Three - National Guard Dual Status Technicians and Reduction of Social Security Benefits Under the Windfall Elimination Provision

Inside the Social Security Disability System: Scams, Delays, and How to Protect Your Claim

Wed, 10 Dec 2025 05:00:00 -0500

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Welcome to Season 1, Episode 42 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Inside the Social Security Disability System: Scams, Delays, and How to Protect Your Claim."

Most people applying for Social Security Disability face the same frustrations: endless waiting, inconsistent updates, and a flood of confusing - sometimes threatening - phone calls. Between the growing backlog of disability claims and the rise of scams targeting vulnerable applicants, it’s easy to feel lost in a system that seems impenetrable. But the reality is more layered than it looks. Delays don’t mean your case has been forgotten, and not every call claiming to be from Social Security is legitimate. There are patterns behind the slowdown, and there are ways to protect yourself while you wait. In this episode of Winning Isn’t Easy, we break down how the system really works beneath the surface. We start with the scams that prey on disability applicants - what they look like, why they’re increasing, and how to spot the red flags before you lose money or personal information. Then we take you behind the curtain of Disability Determination Services to explain what’s driving the backlog, how claims are actually evaluated, and why the wait times have grown so dramatically. Finally, we give you concrete strategies for staying proactive while your claim is pending: keeping medical evidence current, strengthening your file, and supporting your mental and financial well-being during the long stretch between filing and decision. You’ll come away with a clearer picture of the Social Security Disability process, the safeguards you can rely on, and the steps that genuinely move your claim forward. Understanding the system is the first step - navigating it with confidence is the next.

In this episode, we'll cover the following topics:

One - Slam the Scam - How to Spot and Stop Social Security Scams

Two - The Growing Backlog in Social Security Disability Claims

Three - Staying Proactive While You Wait - Taking Control of Your Disability Claim

Social Security Myths: Fraud, Immigrants, and Inmates - What’s Really Going On

Wed, 03 Dec 2025 05:00:00 -0500

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Welcome to Season 1, Episode 41 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Social Security Myths: Fraud, Immigrants, and Inmates - What’s Really Going On."

Most people hear the same viral stories about Social Security - “deadbeat fraudsters gaming the system,” “illegal immigrants draining benefits,” or “prisoners collecting checks from their cells.” These narratives spread quickly through headlines and social media, creating the impression that Social Security is overflowing with abuse. But the truth is far more nuanced. Fraud exists, but it’s rare, and the sensational cases you see in the news are the exception. Undocumented workers aren’t bankrupting the system; many actually pay into it knowing they’ll never receive benefits. And prisoners do not continue getting checks while incarcerated. In this episode of Winning Isn’t Easy, Nancy L. Cavey cuts through the noise to explain what’s really happening. She breaks down how Social Security evaluates disability claims, how contributions and eligibility work for citizens and non-citizens, and what the regulations actually say about fraud, incarceration, and repayment. Nancy also explores why these myths persist and how misunderstanding the system harms the people it’s meant to support. You’ll walk away with a clearer view of how Social Security functions, the safeguards already in place, and the facts behind the headlines. Understanding the truth is the first step. Let’s dive in.

In this episode, we'll cover the following topics:

One - Are There Really Deadbeat Frauds Collecting Social Security Disability?

Two - Are Illegal Immigrants Bankrupting Social Security?

Three - Are Prisoners Collecting Social Security and Bankrupting the System?

The Role of the State Agency Doctor and Why You Might Want to Get an Independent Medical Exam

Wed, 26 Nov 2025 05:00:00 -0500

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Welcome to Season 1, Episode 40 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "The Role of the State Agency Doctor and Why You Might Want to Get an Independent Medical Exam."

Most people don’t realize that the first “medical decision-makers” in a Social Security Disability claim are doctors who never examine you. These state agency physicians review your records from a desk and issue opinions about the severity of your condition, the credibility of your symptoms, and the work you can still do - and their views often carry more weight early on than your own doctor’s. In this episode of Winning Isn’t Easy, Nancy L. Cavey explains the real influence these agency doctors have and why their assessments can shape, or even derail, your claim. She breaks down how their opinions fit into the evaluation process, what happens when their conclusions don’t match your limitations, and the red flags that suggest their review may be incomplete. We also explore Independent Medical Examinations (IMEs): what they are, when they help, and how they can counter flawed agency opinions. Nancy outlines the benefits and risks of obtaining your own consultative exam, what a strong IME should include, and how attorneys use these reports to strengthen the medical evidence on appeal. You’ll learn which medical opinions matter most, how to build a record that reflects your true limitations, and the strategies that ensure the right evidence is working for your claim. Winning isn’t easy, but understanding the role of these doctors can make all the difference. Let’s get started.

In this episode, we'll cover the following topics:

One - Why a State Agency Doctor’s Opinion Can Make or Break Your Social Security Disability Claim

Two - Independent Medical Examinations (IMEs) and Their Role in Disability Claims

Three - Should I or My Lawyer Hire a Consultative Doctor in My Social Security Disability Claim?

Alcoholism and Drug Addiction Social Security Disability Claims

Wed, 19 Nov 2025 05:00:00 -0500

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Welcome to Season 1, Episode 39 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Alcoholism and Drug Addiction Social Security Disability Claims."

Most people think substance abuse and Social Security Disability benefits don’t mix - that a history of addiction means automatic denial. The reality is more nuanced. Substance abuse can affect your claim, but it doesn’t automatically disqualify you. The key is understanding how Social Security evaluates cases, what “materiality” means, and how your medical conditions fit the rules. In this episode of Winning Isn’t Easy, disability law expert Nancy L. Cavey explains how substance abuse influences Social Security Disability claims - and what you must prove. She outlines the strict guidelines around addiction, what Social Security looks for in medical records, and why the central question is whether you’d still be disabled if you stopped using drugs or alcohol. Nancy also breaks down confusing scenarios: why addiction alone can’t qualify you, how substance abuse interacts with conditions like liver disease, neuropathy, or mental illness, and how Social Security decides if addiction remains “material” to your disability. You’ll learn which evidence matters most - treatment history, periods of sobriety, documentation of ongoing medical problems, and medical opinions showing your limitations independent of substance use. She clears up misconceptions about addiction-related claims and explains how judges assess your condition, what they expect in your records, and why consistent evidence is essential. By the end, you’ll understand how Social Security views addiction, the hurdles you may face, and the steps you and your attorney can take to show your disability is real and not solely due to substance use. Winning isn’t easy, but with preparation and honest documentation, you can present a strong case.

In this episode, we'll cover the following topics:

One - Why Are Alcoholics or Drug Addicts Getting Paid Social Security Disability Benefits?

Two - What Do You Have to Prove to Get Your Social Security Disability Benefits?

Three - How Does the Social Security Administration Evaluate “Materiality” in Addiction-Related Disability Claims?

Common Questions Asked by a Social Security Judge

Wed, 12 Nov 2025 05:00:00 -0500

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Welcome to Season 1, Episode 38 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Common Questions Asked by a Social Security Judge."

Most people think answering a judge’s questions at a Social Security Disability hearing is simple - just explain your medical problems and wait for a decision. But that moment in front of the judge is one of the most important (and misunderstood) parts of your entire claim. How you answer can carry just as much weight as your medical records - and the wrong response can seriously hurt your case. In this episode of Winning Isn’t Easy, disability law expert Nancy L. Cavey breaks down how to handle the judge’s questions with confidence, honesty, and strategy. She explains what the Administrative Law Judge (ALJ) is really listening for, how your answers fit into Social Security’s strict definition of disability, and why consistency between your testimony and your medical evidence is absolutely critical. Nancy walks you through the questions most claimants struggle with - from “What keeps you from working?” to “How severe is your pain?” - and shows you how to give clear, credible answers that reflect your real limitations without exaggeration or understatement. You’ll also learn how judges use your daily activities, work history, and treatment records to assess your credibility, and why thoughtful preparation with your attorney can make all the difference. By the end of this episode, you’ll know how to stay calm under pressure, avoid common mistakes, and present your story in a way that’s truthful, consistent, and persuasive. When it comes to your Social Security Disability hearing, it’s not just what you say - it’s how you say it. Winning Isn’t Easy, but with the right preparation and guidance, you can make your testimony your strongest asset.

In this episode, we'll cover the following topics:

One - How Should I Answer a Social Security Judge’s Question About “What Keeps You From Working?”

Two - How Should I Answer a Social Security Judge’s Question About “How Bad Is Your Pain?”

Three - Common Questions Social Security Judges Often Ask

Inside Your Social Security Disability Hearing: What to Expect and How to Win

Wed, 05 Nov 2025 05:00:00 -0500

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Welcome to Season 1, Episode 37 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Inside Your Social Security Disability Hearing: What to Expect and How to Win."

Most people think a Social Security Disability hearing is just another appointment - a chance to tell the judge you can’t work and wait for a decision. But in reality, your hearing is one of the most critical - and strategic - stages of your entire claim. It’s not just about what you say; it’s about how you say it, what evidence supports it, and how it all fits into the Social Security Administration’s strict definition of disability. In this episode of Winning Isn’t Easy, disability law expert Nancy L. Cavey breaks down everything you need to know about your Social Security Disability hearing. She explains what really happens in the hearing room, what the Administrative Law Judge (ALJ) is looking for, and how medical and vocational experts can shape the outcome of your case. Nancy also reveals why preparation is key - from organizing your medical records and understanding your limitations to practicing your testimony so it’s honest, clear, and persuasive. You’ll learn why your attorney might challenge your answers during prep, how credibility can make or break your claim, and what strategies can help you overcome common pitfalls. By the end, you’ll know exactly what to expect, how to handle tough questions, and how to make your case as strong as possible when it matters most. When it comes to Social Security Disability hearings, the truth is simple: Winning Isn’t Easy - but with the right preparation, the right story, and the right advocate, you can turn your hearing into your best chance for success.

In this episode, we'll cover the following topics:

One - Understanding Social Security Disability Hearings

Two - Why You Should Hire a Social Security Disability Attorney if the Judge Calls a Medical Expert

Three - Why Your Social Security Lawyer May Be Mean to You During Your Disability Hearing

Medical Proof That Wins (and Loses) Social Security Disability Claims

Wed, 29 Oct 2025 05:00:00 -0400

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Welcome to Season 1, Episode 36 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Medical Proof That Wins (and Loses) Social Security Disability Claims."

When it comes to Social Security Disability, medical proof is everything. But here’s the catch - not all medical evidence is created equal. Many people think that having a diagnosis, or even a letter from their doctor saying they can’t work, should be enough to qualify for benefits. Unfortunately, that’s not how the Social Security Administration sees it. The SSA wants more than a label or a sympathetic note. They’re looking for detailed, consistent, and credible documentation that tells the full story of your limitations - what you can do, what you can’t, and how your condition truly affects your daily life. In this episode of Winning Isn’t Easy, associate attorney Krysti Monaco steps in as host to break down what kind of medical evidence really matters. She’ll explain the crucial role your treating physicians play, how their opinions can make or break your case, and why Residual Functional Capacity (RFC) forms often carry more weight than lengthy or expensive evaluations. You’ll also learn why the SSA doesn’t apply an “average man” test, what types of medical proof they actually rely on, and the practical steps you can take to make sure your claim is built on strong, persuasive evidence - not just paperwork. Because in the world of Social Security Disability, it’s not just about proving you’re sick - it’s about proving how your condition limits your ability to work. Winning Isn’t Easy, but with the right medical evidence, you can give your claim the credibility and clarity it deserves.

In this episode, we'll cover the following topics:

One - Does the Social Security Administration Use an “Average Man” Test in Determining My Entitlement to Social Security Disability Benefits?

Two - What Are the Five Things That the Social Security Administration Needs From Your Treating Physician That Can Make or Break Your Social Security Disability Claim?

Three - My Doctor Says That They Don’t Have Special Expertise to Estimate My Capacity for Performing Work-Related Activities and Won’t Fill Out a Residual Functional Capacity Form in Support of My Social Security Disability Claim. What Should I Do?

Four - Why Your Physician Should Not Refer You to a Functional Capacity Evaluation to Help You Win Your Social Security Disability Claim

Children's Supplemental Security Income Benefits

Wed, 22 Oct 2025 11:00:00 -0400

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Welcome to Season 1, Episode 35 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Children's Supplemental Security Income Benefits."

For parents of children with disabilities, navigating the Social Security system can feel like a full-time job in itself. Between medical appointments, school meetings, and daily care, adding SSI paperwork and complex eligibility rules to the mix can be overwhelming. Yet understanding how Children’s Supplemental Security Income (SSI) works is essential to securing the financial support your family needs. In this episode of Winning Isn’t Easy, disability law experts Nancy L. Cavey and Krysti Monaco break down everything parents need to know about children’s SSI benefits - who qualifies, what the Social Security Administration looks for, and how to build a strong, well-documented claim. You’ll learn how medical and school records play a role, what kinds of functional limitations the SSA considers, and how income and household resources affect eligibility. We’ll also cover what happens after you apply, what to expect if your child’s claim is denied, and the steps you can take to appeal. Whether you’re just starting the process or trying to understand why a claim was denied, this episode will give you the clarity and confidence to move forward. Because when it comes to protecting your child’s future, knowing how to navigate the SSI system isn’t just helpful - it’s empowering. Winning Isn’t Easy, but with the right information, it can be done.

In this episode, we'll cover the following topics:

One - What Is Children’s SSI, and Who Qualifies?

Two - The Application Process, and Life After Approval

Three - Common Pitfalls and Mistakes, Plus Practical Tips and Advocacy

The Role of Your Physician in Your Social Security Disability Claim

Wed, 15 Oct 2025 05:00:00 -0400

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Welcome to Season 1, Episode 34 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "The Role of Your Physician in Your Social Security Disability Claim."

For many Social Security Disability applicants, one of the most important and misunderstood parts of the process is the role of their physician. You might think that having your doctor say you’re disabled should be enough to win your case. But the Social Security Administration doesn’t automatically accept those statements, and what your doctor writes - or doesn’t write - can make or break your claim. In this episode of Winning Isn’t Easy, we’re unpacking how your physician’s opinions factor into your SSDI claim. We’ll explain what kinds of medical documentation the SSA actually relies on, how doctors should describe your symptoms and limitations, and when their opinions are given controlling weight under the rules. You’ll learn what makes a strong Residual Functional Capacity (RFC) assessment, why vague or unsupported statements can be ignored, and how to make sure your doctor’s records align with your testimony and daily limitations. We’ll also discuss common mistakes that cause even supportive doctors’ statements to be overlooked and how to fix them. If you’re preparing an SSDI claim or appeal, this episode will help you understand how to turn your doctor’s input into persuasive, credible evidence the SSA can’t ignore. Because when it comes to winning disability benefits, the story your medical records tell matters just as much as the one you live.

In this episode, we'll cover the following topics:

One - What Are the Five Factors That Must Be Met Before Social Security Gives Your Treating Doctor’s Opinions Controlling Weight?

Two - The Role of Your Doctor at Step Three

Three - The Role of Your Doctor at Step Four

Four - Why and How the Social Security Administration Can Ignore Your Doctor’s Opinion That You Are Disabled

The Role of a Vocational Evaluator in Your Social Security Disability Claim

Wed, 08 Oct 2025 05:00:00 -0400

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Welcome to Season 1, Episode 33 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "The Role of a Vocational Evaluator in Your Social Security Disability Claim."

For many Social Security Disability claimants, the hearing process can be full of surprises - and one of the biggest is the presence of a vocational expert. Who are they? Why are they testifying about your ability to work? And how much influence do they really have on the outcome of your case? In this episode of Winning Isn’t Easy, we’re unpacking the powerful, and often misunderstood, role of vocational experts in Social Security Disability hearings. These experts don’t just discuss whether you can perform your past job; they also testify about whether there’s “other work” you could supposedly do in the national economy. Sometimes those jobs sound outdated, unrealistic, or even impossible given your medical limitations - but their testimony can carry tremendous weight with the judge. You’ll learn how vocational experts fit into the Social Security Administration’s five-step sequential evaluation process, what types of vocational evidence can strengthen your case, and when it might make sense for your attorney to bring in an expert of their own. We’ll also dive into how to challenge flawed testimony, why job numbers can be so hard to dispute, and what to do if a vocational expert’s opinion seems to contradict your lived reality. If you’re approaching your hearing, or simply want to understand how decisions are really made behind the scenes, this episode is a must-listen. Because when it comes to winning your Social Security Disability case, understanding how to handle vocational testimony could be the difference between success and denial.

In this episode, we'll cover the following topics:

One - Why Is a Vocational Expert Testifying at My Hearing?

Two - What Vocational Evidence Will Help Me Win My Claim?

Three - Should My Attorney Hire a Vocational Expert Before the Hearing?

Four - When the Vocational Evaluator Testifies Against You

Protecting Your Disability Income with Guest Efstathios Georgiou

Wed, 01 Oct 2025 05:00:00 -0400

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Welcome to Season 1, Episode 32 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Protecting Your Disability Income with Guest Efstathios Georgiou."

Navigating disability is never just about the medical or legal system - it’s also about facing financial pressures that can quickly become overwhelming. That’s where today’s guest, Efstathios Georgiou, steps in. As the founder and managing attorney of Georgiou Law, PLLC, Efstathios brings a unique perspective as a former bank attorney who now defends consumers against credit card debt lawsuits, protects their credit rights, and challenges predatory financial practices. For individuals already coping with the challenges of disability claims, financial hardship often compounds the stress. Efstathios has seen firsthand how medical crises can spiral into debt, lawsuits, or judgments, and he’s dedicated to equipping people with the tools they need to fight back. In this episode of Winning Isn’t Easy, Efstathios shares his insider knowledge and compassionate strategies for breaking the cycle of financial strain. You’ll hear his insights on the overlooked connection between disability and debt, practical ways to stand up to banks and collectors, and how addressing the shame around money struggles can open the door to stability. Whether you’re living with a disability, supporting a loved one, or advocating in the community, this conversation will leave you informed, empowered, and ready to protect your financial future. Because financial resilience is just as critical as medical or legal strength when navigating life with a disability.

In this episode, we'll cover the following topics:

One - Why Disability Income Protection Matters

Two - How the Law Protects Disability Benefits

Three - Practical Steps and Takeaways

Navigating Disability Programs, Empowerment, and More with Guest Tracee Garner

Wed, 24 Sep 2025 05:00:00 -0400

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Welcome to Season 1, Episode 31 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Navigating Disability Programs, Empowerment, and More with Guest Tracee Garner."

Living with a disability means navigating a world full of challenges, both personal and systemic. But for author, speaker, and advocate Tracee Garner, those challenges have become the foundation for a powerful mission: empowering others to live fully and fight for the benefits and support they deserve. Tracee is a full-time wheelchair user with scoliosis and muscular dystrophy. She’s also the author of more than twenty books, blending her lived experience with her passion for storytelling and advocacy. In this episode of Winning Isn’t Easy, Tracee shares her personal journey, the obstacles she’s faced in navigating disability programs, and the strategies that help her, and others, stay organized and resilient in the face of red tape. You’ll hear her candid perspective on overcoming shame around seeking support, building confidence through advocacy, and the practical tools that make the process a little less overwhelming. Whether you’re filing for disability benefits yourself, supporting a loved one, or working within the disability community, Tracee’s insights will leave you both informed and inspired. Because at the end of the day, disability is not just about surviving the system - it’s about thriving in spite of it.

In this episode, we'll cover the following topics:

One - Personal Journey and Advocacy

Two - Navigating Disability Programs and Overcoming Challenges

Three - Organization and Empowerment

The Importance of Medical Records in Social Security Disability Claims

Wed, 10 Sep 2025 05:00:00 -0400

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Welcome to Season 1, Episode 30 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "The Importance of Medical Records in Social Security Disability Claims."

When it comes to Social Security Disability, your medical records aren’t just paperwork - they’re the foundation of your entire claim. You might think your diagnosis, your pain, or your daily struggles speak for themselves, but without detailed and consistent medical documentation, the SSA won’t see the full picture. And without that evidence, even the strongest claim can crumble. In this episode of Winning Isn’t Easy, host Nancy L. Cavey breaks down why medical records are the single most important factor in getting your claim approved. She explains what the SSA is really looking for in your file, how vague or incomplete notes can lead to denial, and why the right providers and consistent treatment are key. Nancy also takes you inside the SSA’s electronic records system - how it works, where it fails, and what you can do to make sure your story doesn’t get lost in the shuffle. Whether you’re filing for the first time or waiting on a decision, this episode gives you the tools to take control of your medical evidence. Because at the end of the day, your story matters - but only if it’s written down in the record.

In this episode, we'll cover the following topics:

One - Why Medical Records Matter So Much in Your Social Security Disability Claim

Two - How to Gather and Submit the Right Medical Evidence

Three - What Every Social Security Disability Applicant Needs to Know About the Social Security Administration’s Electronic Record Retrieval System

Understanding Social Security Disability Claim Denials

Wed, 03 Sep 2025 05:00:00 -0400

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Welcome to Season 1, Episode 29 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Understanding Social Security Disability Claim Denials."

Getting denied for Social Security Disability benefits can feel like the end of the road - but it isn’t. In fact, the majority of applicants are denied the first time around. Nearly 7 out of 10 initial SSDI claims are rejected, often not because your medical condition isn’t real, but because of a system stretched too thin and decisions made without a full picture of your life. In this episode of Winning Isn’t Easy, host Nancy L. Cavey takes you inside the realities of the Social Security Disability process. She explains why initial denials are so common - whether due to incomplete medical records, outdated vocational data, or rushed reviewers - and how to read between the lines of a denial letter to understand what happened. Nancy also lays out your next steps: how the Reconsideration stage works, why updated documentation is critical, and what to expect as you move toward a hearing before a judge. Most importantly, she shares why the appeals process gives you a far better chance of success than that first application. If you’ve just received a denial - or are bracing for one - this episode will show you why it’s not the end of the journey. With the right knowledge and persistence, you can turn a “no” into the benefits you deserve.

In this episode, we'll cover the following topics:

One - The Harsh Reality of a Social Security Disability Claim Denial

Two - The Appeals Process: Why Reconsideration Is Often Just a Speed Bump

Three - Why You Don't Want to Speed Up Your Appeal for Social Security Disability Benefits by Filing a Waiver of Timely Written Notice of Hearing

Working While Your Social Security Disability Application Is Pending

Wed, 27 Aug 2025 05:00:00 -0400

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Welcome to Season 1, Episode 28 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Working While Your Social Security Disability Application Is Pending."

If you think a short-term job while waiting on Social Security Disability benefits is harmless, think again. In this episode of Winning Isn’t Easy, host Nancy L. Cavey unpacks the complex rules around working while your SSD application is still pending, and why even a few months of income can raise red flags. Nancy breaks down what the Social Security Administration considers an Unsuccessful Work Attempt, how wages and attendance records are evaluated, and when your efforts might cross into Substantial Gainful Activity territory. She also explains what documentation matters most, how employers’ statements can help or hurt, and what to do if your work lasted longer than you planned or hovered right at the earnings limit. This episode is more than a technical guide - it is a roadmap for anyone trying to balance survival with the risk of losing benefits. Whether you’ve already tried to work, are considering it, or simply want to understand the process, you’ll find clarity, practical steps, and reassurance here. Because sometimes, keeping your head above water should not cost you your future.

In this episode, we'll cover the following topics:

One - What Is an Unsuccessful Work Attempt in a Social Security Disability Claim and What Information Will the SSA Want to See From My Former Employers?

Two - The 50th Anniversary of Social Security’s Ticket to Work Program and What You Need to Know if You’re on Social Security Disability or Supplemental Security Income and Want to Work

Three - The Two Ways You Can Work and Keep Your Social Security Disability Benefits

Voice Disorders, Spasmodic Dysphonia, Their Relationship with Social Security Disability, and More with Guest Sue Payne

Wed, 20 Aug 2025 05:00:00 -0400

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Welcome to Season 1, Episode 27 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Voice Disorders, Spasmodic Dysphonia, Their Relationship with Social Security Disability, and More with Guest Sue Payne."

If you think a voice disorder is “just losing your voice,” think again. In this special edition episode of Winning Isn’t Easy, host Nancy L. Cavey sits down with Sue Payne to uncover the hidden challenges of living - and working - with spasmodic dysphonia and cervical dystonia. Sue takes us inside her journey: the moment her voice changed, proving her disability to Social Security, and how she turned her experience into advocacy through Dysphonia International. Along the way, Nancy breaks down the five-step disability evaluation, the role of Residual Functional Capacity forms, and why strong medical support can make or break a claim. This episode is more than a legal guide - it’s a story of resilience, perseverance, and the power of using your voice, even when it doesn’t sound the way it used to. Whether you’re living with a voice disorder, supporting someone who is, or navigating your own disability claim, you’ll find practical advice and powerful encouragement here.

In this episode, we'll cover the following topics:

One - About Sue and Her Story

Two - Sue’s Social Security Disability Journey and Medical Support

Three - Sue’s Tips, Advocacy, and Support

The Importance of Evidence in Your Social Security Disability Claim

Wed, 13 Aug 2025 05:00:00 -0400

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Welcome to Season 1, Episode 26 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "The Importance of Evidence in Your Social Security Disability Claim."

If you think your Social Security Disability case will succeed with just a few doctor’s notes, think again. In this episode of Winning Isn’t Easy, host Nancy L. Cavey unpacks the real backbone of a successful claim: evidence. From medical records and diagnostic tests to the details of your daily life, every piece matters - and Social Security judges expect to see it all. Nancy explains what Social Security attorneys do with evidence that doesn’t fully support your claim, why objective medical evidence like MRIs, lab results, and clinical tests is considered the gold standard, and how the story of your day-to-day life can become some of the most compelling proof you have. You’ll see how clear documentation, credible storytelling, and a strategic approach to every type of evidence - good or bad - combine to create a claim judges can’t overlook. Whether you’re applying for the first time or appealing a denial, this episode gives you a practical, behind-the-scenes guide to how evidence is gathered, presented, and turned into a winning case. Let’s get started.

In this episode, we'll cover the following topics:

1 - What Does a Social Security Attorney Do With Evidence That Does Not Support My Social Security Disability Claim?

2 - Why “Objective Medical Evidence” Is the Gold Standard

3 - How Your Daily Life Can Become Powerful Evidence

Residual Functional Capacity and RFC Forms

Wed, 06 Aug 2025 05:00:00 -0400

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Welcome to Season 1, Episode 25 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Residual Functional Capacity and RFC Forms."

If you think a simple note from your doctor saying you're "disabled" is enough to win your Social Security claim, think again. In this episode of Winning Isn’t Easy, host Nancy L. Cavey pulls back the curtain on one of the most powerful tools in your disability case: the Residual Functional Capacity (RFC) form. Often overlooked, these forms can be the difference between a denial and an approval - if they’re done right. Nancy explains why vague statements don’t move the needle with the Social Security Administration, and how a detailed, condition-specific RFC form can provide the concrete evidence judges need to understand your true limitations. You’ll get practical tips on how to approach your doctor about completing an RFC form, what kinds of details make the biggest impact, and how a skilled disability attorney can help frame your medical story in a way that aligns with the SSA’s expectations. This isn’t just paperwork - it’s your opportunity to be heard clearly and credibly. Whether you're applying for the first time or appealing a denial, this episode is your guide to turning medical facts into persuasive legal evidence. Let’s get started.

In this episode, we'll cover the following topics:

1 - Why Getting a Letter From Your Doctor That Says You Are Disabled or Meet a Social Security Listing Is a Waste of Time and Money

2 - Should My Social Security Disability Attorney Use a Residual Functional Capacity Form in My Case?

3 - Nine Tips for Getting Winning Social Security Disability Residual Functional Capacity Forms

Social Security Judges and Their Impact on Disability Claims, Part Two

Wed, 30 Jul 2025 05:00:00 -0400

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Welcome to Season 1, Episode 24 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Social Security Judges and Their Impact on Disability Claims, Part Two."

If last week’s episode of Winning Isn’t Easy pulled back the curtain on the power Social Security judges have over your disability claim, this week’s part two goes even deeper. If you’ve ever felt like your symptoms were dismissed, your story ignored, or your life reduced to a few vague evaluations - this episode is for you. Host Nancy L. Cavey shares real-world wins from claimants with chronic kidney disease, heart conditions, and cognitive issues after seizures - cases where strong, consistent evidence changed the outcome. You'll learn how RFC forms, detailed doctor reports, and letters from former employers helped judges see the full picture. These aren’t just medical cases - they’re stories of perseverance, credibility, and what it takes to be believed. If you’re preparing for a hearing, gathering evidence, or just want to know how the system can work - don’t miss this one. You deserve to be seen, heard, and believed. Let’s get into it.

In this episode, we'll cover the following topics:

1 - Social Security Judge Awards Disability Benefits for Chronic Kidney Disease Based on State Consulting Physician’s Report and Letter From Employer

2 - Social Security Judge Awards Disability Benefits for Heart Disease to Former Appliance Installer

3 - Social Security Judge Awards Benefits to Engineer Who Has Cognitive and Physical Issues After Suffering From Seizures

Social Security Judges and Their Impact on Disability Claims, Part One

Wed, 25 Jun 2025 05:00:00 -0400

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Welcome to Season 1, Episode 23 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Social Security Judges and Their Impact on Disability Claims, Part One."

If you’ve ever stared at a denial letter and thought, Did the judge even read my file? - or walked out of a Social Security hearing feeling like the deck was stacked against you - this episode of Winning Isn’t Easy is for you. Host Nancy L. Cavey takes a closer look at the role of Social Security Administrative Law Judges and the enormous influence they have over the outcome of your disability claim. If you’ve worked hard, paid into the system, and now find yourself fighting for benefits, you deserve more than generic rejections. You deserve to be seen, heard, and judged fairly. In this episode, Nancy highlights what happens when judges rise to the occasion. She explores how judges can weigh medical opinions, push past flawed assumptions, and make rulings that truly reflect the evidence. Whether you're gearing up for your first hearing, deep into the appeals process, or simply trying to understand how decisions get made, this episode brings clarity, strategy, and hope. Let’s get into it.

In this episode, we'll cover the following topics:

1 - Social Security Judge Rejects Opinions of Two State Agency Physicians in Awarding Social Security Disability Benefits to Veteran

2 - Social Security Judges Reject Allegations That Social Security Disability Applicant Is Disabled Because of Substance Abuse and Award Benefits

3 - Second Time Around, the Social Security Judge Finally Awards Benefits to State Farm Insurance Agency Owner

Questions About Social Security Judges

Wed, 18 Jun 2025 05:00:00 -0400

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Welcome to Season 1, Episode 22 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Questions About Social Security Judges."

If you’ve ever waited months - or even years - for a Social Security Disability decision and wondered, "Who are these judges deciding my future?" - this episode of Winning Isn’t Easy is for you. Join host Nancy L. Cavey as she pulls back the curtain on the Administrative Law Judges (ALJs) who decide Social Security claims. From how they’re trained to what happens when things go wrong, Nancy tackles the questions claimants ask most. She shares the four key issues she wishes judges would address - straight from what she would’ve told them at their recent conference in Atlanta. She also explains what to do if you feel you were treated unfairly in your hearing, and breaks down your options if you believe the judge simply got it wrong. Whether you're preparing for a hearing, waiting on a decision, or navigating an appeal, understanding the role of the judge - and how to challenge mistakes - can make all the difference. Let’s get into it.

In this episode, we'll cover the following topics:

1 - The Four Things That Nancy Cavey Would Have Asked Social Security Judges to Address and Improve When the Social Security Judges Met in Atlanta

2 - Can I File an Unfair Treatment Complaint Against the Social Security Judge Who Heard My Case and Ruled Against Me?

3 - What Can I Do if I Believe the Judge’s Ruling Was Wrong?

Social Security Misbeliefs and Myths

Wed, 11 Jun 2025 05:00:00 -0400

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Welcome to Season 1, Episode 21 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Social Security Misbeliefs and Myths."

Join host Nancy L. Cavey, expert Social Security Disability attorney, as she takes on one of the most damaging obstacles claimants face - not paperwork, not deadlines, but misinformation. In this episode of Winning Isn’t Easy, Nancy tackles the myths and misbeliefs that too often keep people from getting the Social Security Disability benefits they’ve earned. Whether it’s the false idea that SSDI is “just welfare,” or the fear that trying to work again means you’ll lose everything, these misconceptions can cause shame, confusion, and costly mistakes. Nancy breaks down where these myths come from, why they persist, and - most importantly - what the truth actually is. She explains the real connection between your work history and your eligibility, clears up the confusion about trial work periods, and sets the record straight on what SSDI really is: an insurance program you paid into through your own hard work. If you’re applying, already receiving benefits, or supporting someone who is, this episode will arm you with facts, confidence, and clarity. Don’t let bad information stand between you and the benefits you deserve. Tune in and learn how to cut through the noise, bust the myths, and protect your future. Let’s get into it.

In this episode, we'll cover the following topics:

1 - Social Security Disability Benefits Are Just Welfare, and I Am Not a Welfare King or Queen

2 - Aren’t Social Security Disability Benefits Just Welfare?

3 - You Can’t Work at All if You’re Receiving Disability Benefits

The Termination of Benefits

Wed, 04 Jun 2025 05:00:00 -0400

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Welcome to Season 1, Episode 20 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "The Termination of Benefits."

Join host Nancy L. Cavey, expert disability attorney, as she tackles one of the most stressful and confusing moments in the Social Security Disability process: when your benefits are at risk of being taken away. You fought hard to get approved - but now, a letter, a work report, or a medical review threatens to undo it all. In this episode of Winning Isn’t Easy, Nancy breaks down the three biggest reasons benefits get terminated and what you can do to protect yourself. First, she explains how medical improvement can trigger a loss of benefits - and what the Social Security Administration actually looks for during a continuing disability review. Then, she walks through the risks of returning to work too soon or without proper documentation. Finally, she clarifies the rules of the trial work period, and how to use it strategically without jeopardizing your income or your eligibility. If you’re facing a potential termination - or just want to stay a step ahead - this episode is essential listening. It’s about strategy, survival, and knowing your rights before it's too late. Don’t wait for the system to surprise you. Tune in to learn how to protect the benefits you fought so hard to earn. Let’s get into it.

In this episode, we'll cover the following topics:

1 - What You Need to Know About Termination of Your Social Security Disability Benefits Due to Medical Improvement

2 - What You Need to Know About Termination of Your Social Security Disability Benefits Because You Returned to Work

3 - What You Need to Know About the Social Security Administration’s Trial Work Period

The Appeals Council

Wed, 28 May 2025 05:00:00 -0400

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Welcome to Season 1, Episode 19 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "The Appeals Council."

Join host Nancy L. Cavey, veteran disability attorney, as she breaks down one of the hardest parts of the Social Security Disability process: being denied by an Administrative Law Judge. You filed your claim, shared your story, went to the hearing - and still, the answer was no. It’s frustrating, even defeating. But it’s not the end of the road. In this episode of Winning Isn’t Easy, Nancy explains what comes next: how to take your case to the Appeals Council, and when it may be time to go all the way to Federal Court. You’ll learn how the Appeals Council actually works - what it can and can’t do - plus what happens if your case is upheld, reversed, or sent back for review. She also covers your legal options if the Council denies your appeal and why experienced representation is critical during this complex, high-stakes process. At this stage, it’s not just about fighting harder - it’s about fighting smarter. If you’re feeling stuck after a denial, don’t give up. Tune in to learn your rights, your options, and how to take back control of your claim. Let’s get into it.

In this episode, we'll cover the following topics:

1 - What Is the Appeals Council - and Should You Appeal?

2 - The Appeals Council Upheld the Denial - Now What?

3 - Why Legal Strategy Matters at Every Stage of Appeal

Understanding Compassionate Allowances

Wed, 21 May 2025 05:00:00 -0400

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Welcome to Season 1, Episode 18 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Understanding Compassionate Allowances."

Join host Nancy L. Cavey, an experienced disability attorney, as she unpacks one of the few fast-track options in the Social Security Disability system: the Compassionate Allowances program. Designed for individuals facing serious or terminal conditions, this program can drastically speed up the process of getting benefits - but only if you know how it works. In this episode, Nancy explains what Compassionate Allowances really are, how they fit into the larger Social Security Disability Insurance process, and which medical conditions qualify - including twelve new additions just this year. You’ll learn how the Social Security Administration identifies eligible claims, how to apply the right way, and why legal guidance can make all the difference when time and clarity matter most. If you or someone you love is navigating a life-altering diagnosis, this episode is essential listening. Nancy also shares key tips that can make or break your application - so be sure to stay until the end. Let’s get into it - because when it comes to Compassionate Allowances, knowing how to qualify can bring much-needed relief, faster.

In this episode, we'll cover the following topics:

1 - What Are Compassionate Allowances?

2 - Twelve New Conditions Added to the Compassionate Allowances List

3 - How to Apply - And Why You Need an Advocate

What the Social Security Administration Does With the Initial Application

Wed, 14 May 2025 05:00:00 -0400

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Welcome to Season 1, Episode 17 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "What the Social Security Administration Does With the Initial Application."

Join host Nancy L. Cavey, an experienced disability attorney, as she unpacks one of the most important - and misunderstood - parts of the Social Security Disability process: what really happens after you file your application. Whether you applied online, by phone, in person, or with an attorney’s help, your claim enters a complex review system most applicants never see. In this episode, she walks you through how your application moves from the local SSA office to Disability Determination Services (DDS), where the medical decision is made. You’ll learn what DDS looks for, how they gather records, and why most initial claims are denied - even when the disability seems clear. She also explains consultative exams, electronic record retrieval, and how COVID continues to affect the process. If your claim status says “under review” and you’re not sure what that means, this episode offers the clarity you need. Let’s get into it - because understanding the system is key to a successful claim.

In this episode, we'll cover the following topics:

1 - What Does the Social Security Administration Do With My Initial Application for Social Security Disability?

2 - What Every Social Security Disability Applicant Needs to Know About the Social Security Administration’s Electronic Record Retrieval System

3 - Why You Should Not Speak With the Social Security Administration Claim Adjudicator Assigned to Your Social Security Disability Claim

4 - How to Keep Updated on the Status of Your Social Security Disability Application

5 - The Three Common Mistakes You Can Make in Your Social Security Disability Claim While Your Claim Is Pending

6 - What Does “Benefit Application Under Review” Mean When You Check the Status of Your Social Security Disability Application?

Answering Common Social Security Disability Questions

Wed, 07 May 2025 05:00:00 -0400

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Welcome to Season 1, Episode 16 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Answering Common Social Security Disability Questions."

Join host Nancy L. Cavey, an experienced disability attorney, as we tackle one of the most common - and confusing - aspects of the Social Security Disability process: getting answers to your most pressing questions. Whether you’re just starting to consider filing a disability claim or are already knee-deep in paperwork and doctor visits, you’re not alone in feeling overwhelmed. In this episode, we’re answering some of the most frequent questions people ask when applying for Social Security Disability benefits. Do you really have to tell Social Security about every medical issue? Which doctors’ opinions carry weight? How far back do your records need to go - and do things like school transcripts, pharmacy records, or information from Short- or Long-Term Disability plans really matter? We’ll break it all down, helping you understand what the Social Security Administration is actually looking for, what your attorney should be submitting on your behalf, and how to use the right documentation to build the strongest possible case. If you’ve been spinning your wheels wondering what matters most in your application - or you just want to make sure you’re on the right track - this episode is packed with practical, straightforward guidance. Let’s get into it - because informed claimants make stronger cases.

In this episode, we'll cover the following topics:

1 - Do I Have to Tell Social Security About All of My Medical Problems if I Am Claiming Social Security Disability Benefits?

2 - Records and Social Security Disability Claims - What Records Am I Expected to Submit, and What Records Are or Are Not Useful

3 - I Am Seeing a Lot of Doctors! Will Social Security Accept Records and Opinions in My Social Security Case From Physicians, Osteopaths, Podiatrists, Optometrists, Psychologists, Physical Therapists, or Occupational Therapists?

4 - Short- Or Long-Term Disability Information When Applying for Social Security Disability Benefits

Filing for a Hearing

Wed, 30 Apr 2025 05:00:00 -0400

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Welcome to Season 1, Episode 15 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Filing for a Hearing."

Join host Nancy L. Cavey, an experienced disability attorney, as we dive into one of the most critical - and often most frustrating - stages of the Social Security Disability process: what to do when your Request for Reconsideration is denied. If you’ve received that dreaded denial letter, you might feel stuck or even ready to give up. But don’t - because this is where the real fight begins. In this episode, we’ll walk you through the next steps, including how to file a Request for a Hearing before an Administrative Law Judge, what to expect once your request is submitted, and how this hearing offers a powerful new chance to get the benefits you deserve. We’ll also explore how a skilled disability attorney should be preparing both your case - and you - for the big day, from gathering strong medical evidence to challenging expert witnesses in the hearing room. Whether you’re just beginning the appeals process or already have a hearing date on the calendar, this episode is packed with practical insights to help you move forward with clarity and confidence. So let’s get started - because giving up is not an option.

In this episode, we'll cover the following topics:

1 - Filing an Appeal if Your Request for Reconsideration Was Denied

2 - What Does the Social Security Administration Do With My Request for a Hearing?

3 - What Your Social Security Disability Attorney Should Do to Prepare Your Case for a Hearing and Prepare You for the Hearing

Autism, Spectrum Disorders, Their Relationship with Social Security Disability, and More with Guest Nicole Clark

Wed, 23 Apr 2025 05:00:00 -0400

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Welcome to Season 1, Episode 14 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Autism, Spectrum Disorders, Their Relationship with Social Security Disability, and More with Guest Nicole Clark."

Join host Nancy L. Cavey, an experienced disability attorney, for a special edition episode exploring autism and spectrum disorders - and how these diagnoses intersect with Social Security Disability benefits. We’ll get to know our guest, Nicole Clark, and the important work she does, delve into the nuances of autism and related conditions, and walk through a real-life case to highlight some challenges applicants with autism spectrum disorders often face. If you or someone you love is navigating the disability claims process with an autism diagnosis, this episode is packed with insights you won’t want to miss.

In this episode, we'll cover the following topics:

One - Introducing Nicole Clark

Two - Understanding Autism and Spectrum Disorders

Three - Social Security Disability, Autism, and Spectrum Disorders

The Function Report

Wed, 16 Apr 2025 05:00:00 -0400

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Welcome to Season 1, Episode 13 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "The Function Report."

Join host Nancy L. Cavey, an experienced disability attorney, and associate attorney Krysti Monaco as they break down one of the most critical documents in your disability case: the Function Report (Form SSA-3373). Whether you’ve just received it or are preparing to appeal a denial, this episode will guide you through how to complete the form the right way. Learn why vague or rushed answers can hurt your claim, the top mistakes to avoid, and how to clearly communicate how your condition impacts your daily life. If you're serious about getting approved for benefits, this episode is a must-listen.

In this episode, we'll cover the following topics:

1 - What Is the Function Report and Why Does Social Security Need It?

2 - How to Fill Out the Function Report Section by Section

3 - Top Mistakes to Avoid When Filling Out the Function Report

4 - Final Tips and What Happens Next

The Disability Adult Report Appeal

Wed, 09 Apr 2025 05:00:00 -0400

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Welcome to Season 1, Episode 12 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "The Disability Adult Report Appeal."

Join host Nancy L. Cavey, an experienced disability attorney, and associate attorney Krysti Monaco as they dive into the disability adult report appeal process. In a previous episode, they covered the disability adult report, and now, with over ninety percent of claims being denied initially, it's time to focus on the key to winning your appeal: getting your paperwork right. A denial doesn't mean you don’t qualify; in fact, most denials stem from insufficient supporting evidence. In this episode, Nancy and Krysti discuss strategies for effectively appealing a denied disability adult report and ensuring you have the necessary documentation to support your case.

In this episode, we'll cover the following topics:

1 - What Is the Disability Adult Report?

2 - Common Reasons Initial Claims Get Denied

3 - How to Fill Out the Disability Adult Report

4 - Mistakes to Avoid

5 - What Happens Next?

The Request for Reconsideration

Wed, 02 Apr 2025 05:00:00 -0400

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Welcome to Season 1, Episode 11 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "The Request for Reconsideration."

Join host Nancy L. Cavey, an experienced disability attorney, and associate attorney Krysti Monaco, as they explore the process of filing a request for reconsideration. Unfortunately, the majority of disability applications are denied after the initial application. If you've received this disappointing news, you may be wondering if it's the end of your claim. The good news is that it’s not, and the next step is filing a request for reconsideration. Today, Nancy and Krysti will walk you through the form and share essential tips to make your request as impactful as possible.

In this episode, we'll cover the following topics:

1 - What Does the Social Security Administration Do with My Request for Reconsideration of My Social Security Disability Claim?

2 - What You Need to Know About Appealing the Denial of Your Initial Social Security Disability Application and Filing a Request for Reconsideration

3 - How to Prepare for the Next Steps After Filing a Request for Reconsideration

The Work History Report

Wed, 26 Mar 2025 05:00:00 -0400

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Welcome to Season 1, Episode 10 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "The Work History Report."

Join host Nancy L. Cavey, an experienced disability attorney, as she breaks down Form SSA-3369 – the Work History Report. While all forms are essential to a disability claim, the Work History Report is arguably the most important, as it outlines your past employment and helps establish your job, occupation, and skill set. Understanding this form is especially crucial due to recent rule changes in 2024. In this episode of Winning Isn't Easy, Nancy is joined by Cavey Law associate attorney Krysti Monaco to explain the form in detail. They walk through each section, offering guidance on how to provide the most effective answers.

In this episode, we'll cover the following topics:

1 - What is Form SSA-3369, and Why Is It Important?

2 - Preparing to Fill Out the Form

3 - A Step-by-Step Guide to Filling Out the SSA-3369

4 - Tips for Success

5 - Common Pitfalls to Avoid

The Disability Adult Report

Wed, 19 Mar 2025 05:00:00 -0400

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Welcome to Season 1, Episode 9 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "The Disability Adult Report."

Join host Nancy L. Cavey, an experienced disability attorney, as she breaks down Form SSA-3368-BK – the Adult Disability Report. This essential form plays a key role in your disability claim, but navigating it can often feel daunting. Filled with complex questions and potential pitfalls, mistakes on this form can lead to delays or complications in your claim. In this episode of Winning Isn't Easy, Nancy is joined by Cavey Law associate attorney Krysti Monaco to simplify the form, walking you through each section and highlighting the critical details you need to know to avoid common errors and set yourself up for success.

In this episode, we'll cover the following topics:

1 - What is Form SSA-3368-BK, and Getting Prepared

2 - A Section-by-Section Breakdown, Part One

3 - A Section-by-Section Breakdown, Part Two

4 - Tips for Success, and What Happens after You Submit Your Work?

The Initial Application

Wed, 12 Mar 2025 05:00:00 -0400

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Welcome to Season 1, Episode 8 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "The Initial Application."

Join host Nancy L. Cavey, an experienced disability attorney, as she demystifies Form SSA-16 - the application for disability insurance benefits. This form is the foundation of your claim, and while completing it may feel overwhelming, it’s a necessary step toward securing your benefits. Like any disability form, it’s filled with potential pitfalls that could lead to costly mistakes and delays. In this episode of Winning Isn't Easy, Nancy is joined by Cavey Law associate attorney Krysti Monaco to break down the form into clear, manageable sections, ensuring you understand the crucial details needed to navigate the process successfully.

In this episode, we'll cover the following topics:

1 - Basic Information about the Initial Application

2 - Exploring Pages of the Initial Application, and Answering Questions

3 - Okay, Let’s Say We Got Our Initial Application Summary, Reviewed It, Signed It, and Sent It Back - Now What?

4 - What Are Some Crucial Mistakes an Individual Can Make When Filling Out the Application for Disability Insurance?

What Is It Going to Cost to File for Social Security Disability, and How Much Am I Going to Get?

Wed, 05 Mar 2025 14:00:00 -0500

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Welcome to Season 1, Episode 7 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "What Is It Going to Cost to File for Social Security Disability, and How Much Am I Going to Get?"

Join host Nancy L. Cavey, an experienced disability attorney, as she breaks down two of the most pressing questions every Social Security Disability claimant has: "How much does it cost to file?" and "If I win, how much will I receive?" Understanding the financial aspects of disability claims can be overwhelming, but Nancy is here to provide clarity. Tune in to this episode of Winning Isn't Easy to get the answers you need.

In this episode, we'll cover the following topics:

1 - The Costs of Filing for Social Security Disability

2 - The Monetary Rewards and Taxation of Social Security Disability

3 - Other Questions Regarding Social Security Disability Benefits

The Role of Your Doctors in Your Social Security Disability Claim

Wed, 26 Feb 2025 05:00:00 -0500

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Welcome to Season 1, Episode 6 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "The Role of Your Doctors in Your Social Security Disability Claim."

Join host Nancy L. Cavey, a seasoned disability attorney, as she unpacks the critical role of your doctors in a Social Security Disability claim - especially at steps three and four of the five-step sequential evaluation. Medical professionals and their evidence are key to a successful claim, making it essential to understand their impact on the process. In this episode of Winning Isn't Easy, Nancy covers everything you need to know, including how to handle an uncooperative doctor who may be unwilling to support your case. Don't miss this important discussion.

In this episode, we'll cover the following topics:

1 - An Overview of the the Role of Your Doctors in Your Social Security Disability Claim

2 - The Role of Your Doctors at Step Three

3 - The Role of Your Doctors at Step Four

4 - What Do I Do if My Doctor Is Uncooperative?

Steps Four and Five of the Five-Step Sequential Evaluation

Wed, 19 Feb 2025 05:00:00 -0500

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Welcome to Season 1, Episode 5 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Steps Four and Five of the Five-Step Sequential Evaluation."

Join host Nancy L. Cavey, a seasoned disability attorney, as she breaks down steps four and five of the five-step sequential evaluation process. In this episode, she takes an in-depth look at past relevant work (step four) and the two ways to be found disabled in step five - the GRIDS test and other work considerations. Since many claims are won or lost at these stages, understanding their impact is crucial for a successful Social Security Disability claim.

In this episode, we'll cover the following topics:

1 - Step Four - Past Relevant Work

2 - Step Five - The Two Ways to Be Disabled (GRIDS Test or Other Work)

Step Three, and the Listing of Impairments - How to Win Your Social Security Disability Claim Using the Social Security Blue Book

Wed, 12 Feb 2025 05:00:00 -0500

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Welcome to Season 1, Episode 4 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Step Three, and the Listing of Impairments - How to Win Your Social Security Disability Claim Using the Social Security Blue Book."

Join host Nancy L. Cavey, a seasoned disability attorney, as she breaks down step three of the five-step sequential evaluation process. In this episode, she takes an in-depth look at the Listing of Impairments - Social Security’s medical guidelines that determine which conditions qualify as disabling. Nancy will also discuss the Social Security Administration’s Blue Book and how you can use it to strengthen and win your Social Security Disability claim. Don’t miss this essential guide to navigating the disability evaluation process!

In this episode, we'll cover the following topics:

1 - Step Three - The Listing of Impairments, Plus, the Social Security Blue Book

2 - How a Social Security Residual Functional Capacity Form Can Help You Meet a Social Security Disability Listing at Step 3 of the Five-Step Sequential Evaluation Process

3 - What Happens if I Do Not Meet a Listing, and More Information

Non-Medical Criteria and the Five-Step Sequential Evaluation

Wed, 05 Feb 2025 05:00:00 -0500

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Welcome to Season 1, Episode 3 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Non-Medical Criteria and the Five-Step Sequential Evaluation."

Join host Nancy L. Cavey, a seasoned disability attorney, as she delves into the non-medical disability criteria and their crucial role in Social Security Disability claims. She’ll also break down the Five-Step Sequential Evaluation, the process used to determine if and when disability benefits are awarded. Don’t miss this essential guide to understanding what truly impacts your claim.

In this episode, we'll cover the following topics:

1 - What Are Non-Medical Disability Criteria, and Why Is It Important in My Social Security Disability Claim?

2 - After the SSA Determines Your Insured Status, the Second Question Is Whether You Have a Medical Condition That Qualifies for Social Security Disability Benefits

3 - What Happens after the Social Security Administration Determines That I Have Met the Non-Medical Criteria - The Five-Step Sequential Evaluation

Comparing SSI and SSDI with Amy Bellhorn

Wed, 29 Jan 2025 05:00:00 -0500

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Welcome to Season 1, Episode 2 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. In this episode, we'll dive into the complicated topic of "Comparing SSI and SSDI" with special guest, Amy Bellhorn.

Join host Nancy L. Cavey, a seasoned attorney specializing in disability claims, and special guest, attorney Amy Bellhorn, as they break down the basics of SSI and SSDI in a clear, easy-to-follow discussion. Together, they explore the key similarities and differences between the two programs, and share essential insights you need to know. In this episode of Winning Isn’t Easy, they cover topics such as eligibility for both programs, application processes, how benefits are calculated, and much more.

To connect with attorney Amy Bellhorn's firm, visit www.bellhornlawfirm.com, or call 727-822-7121.

Introduction to Social Security Disability, and Why “Disabled” Is a Term of Art You Must Understand before You File Your Claim

Wed, 22 Jan 2025 05:00:00 -0500

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Welcome to Season 1, Episode 1 of Winning Isn't Easy: Navigating Your Social Security Disability Claim. This is the inaugural episode of our Social Security Disability spinoff of Winning Isn't Easy: Long-Term Disability ERISA Claims. In this episode, we'll dive into the complicated topic of "Introduction to Social Security Disability, and Why “Disabled” Is a Term of Art You Must Understand before You File Your Claim."

Join host Nancy L. Cavey, a seasoned attorney in disability claims, as she simplifies the complexities of Social Security Disability with an easy-to-follow overview. Nancy will explain why "disabled" is a crucial legal term in your claim and bring this concept to life by exploring examples of theoretical applicants. She’ll also break down the Five-Step Sequential Evaluation test, making it clear and accessible for all.

In this episode, we'll cover the following topics:

1 - A Social Security Disability Overview

2 - Walking through Some Theoretical Applicants

3 - The Five-Step Sequential Evaluation Test