Blog | Tulsa Social Security Disability Lawyers on SSDI & SSI

How Are Your Social Security Benefits Calculated?

Social Security is one of the largest social programs in the country, and it safeguards a significant portion of the working population from poverty, if they can no longer work. However, Social Security is only a safety net meant to catch you if you slip, so it can be critical to know how benefits are calculated so you can properly manage your finances if you should ever need SSDI or SSI.  How Are Your Social Security Benefits Calculated?  The first step to calculating your Social Security benefits is knowing if you even qualify for benefits. For SSI, your income will determine if you get benefits. The Social Security Administration (SSA) will examine your income, subtract income that isn’t a part of your countable income, and then subtract your earned income from the SSI benefit rate. So, if you depend on SSI, it is important to budget not only your spending…
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What Social Security Mistakes Could Reduce Your Retirement Benefits

Picture of social security benefits

Social Security will be an important benefit for your retirement plans. As a typical American, it will likely be the foundation of your income in your golden years. Social Security often makes up around 33% of an elderly American’s income. However, many Americans do not fully understand how these benefits work and what the program does for you. If you go into this process unaware, you could fall into some pretty common financial traps. Falling for these traps could permanently reduce your income later on. 3 Mistakes You Should Avoid When Applying for Social Security Claiming benefits before you know how they work. If you do not understand what could impact your Social Security income, you may make poor decisions when attempting to claim benefits. You need to know how your age, work history, and marital status will affect your benefits. For example, retiring before full retirement age (FRA) will…
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How SSI Benefits Differ From SSDI Benefits

Questions written on an old typewriter

We have previously discussed how SSDI benefits are a form of insurance because you can only receive them if you have worked long enough to have paid enough in FICA taxes to be eligible for the benefits. SSI benefits often get lumped in with SSDI benefits, but the two have important differences. The one trait they do share is that the Social Security Administration uses the same criteria of “disability” to evaluate eligibility for both types of benefits, but that is about where the similarities end, however. The Difference Between SSI and SSDI Benefits SSI or Supplemental Security Income benefits are not a type of disability insurance like SSDI is. SSI benefits are a form of financial assistance for low income, disabled Americans. President Nixon created SSI in 1974 in order to standardize the way that states were providing the same type of benefits. Nixon brought all those different programs…
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How Can I Protect Myself From Social Security Scams?

Photo of a Hacker Trying to Pull Off Social Security Scams

Did you know that Social Security scams are the number one type of fraud reported to the Federal Trade Commission? These scams often mislead seniors into believing that they need to make cash or gift card payments. They prey on fears that they must make these payments to avoid arrest for Social Security related issues. To avoid becoming a victim of Social Security scams, it is important to understand how these scams work. It is also important to understand what Social Security employees will and will not do when contacting you. How Social Security Scams Work Social Security scams work well because they use fear tactics to convince seniors to take action. These scam artists often call and state that they suspended the Social Security number pending legal action. They then bait individuals into submitting payments to avoid arrest or legal action. According to the Federal Trade Commission, Social Security…
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Medical Records for Disability Hearings

senior woman using a walker cross street

If you applied for Social Security disability benefits or filed for reconsideration, then the claims examiner is the party responsible for obtaining your medical records. However, the process is different if you request a hearing before an administrative law judge (ALJ). In this case, you would be responsible for obtaining your medical records. If you have an attorney, you can give them legal permission to access the records on your behalf.  Which Medical Records Do I Need for My Disability Hearing? There are certain types of medical records you will need to obtain for a hearing before an administrative law judge. Medical records are essential for showing that you currently suffer from a disability, or that you will continue to suffer from one in the future. Be sure to obtain both old and new medical records related to your disability. You should also go through records associated with your disability…
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