Jim Adler | The Tough, Smart Lawyer
By Jim Adler May 11, 2016

Many Americans face daunting disabilities early in life — before reaching retirement age. When disabilities prevent you from working, but you aren’t old enough to receive Social Security retirement benefits, you may need Social Security Disability Insurance, or SSDI.

But needing and getting are two different things. Do you qualify for disability insurance?

Work History is Important

The answer involves a number of factors, including your personal work history.

f you have been employed and have paid federal taxes from your paycheck in your lifetime, that means you have paid money into the Social Security Administration (SSA). Then you can qualify for disability payments from the fund you helped grow.

But to get SSDI payments, you must be disabled and unable to work. By contrast, if you’re doing any work that constitutes substantial gainful activity (SGA) and are earning enough money for a legitimate income, you will not qualify for SSDI, even if you suffer an illness or injury.

Such an illness or injury must be a mental or physical impairment that is serious enough to make you disabled and unable to work for a living — as determined by the SSA.

You Must Have a Qualifying Disability

But what constitutes a disability that enables you to get disability insurance? To receive SSDI benefits, you must have a qualifying disability in the eyes of the SSA.

Such qualifying disabilities are designated in a long list from the SSA. These include many categories, including impairments of the respiratory system (lung disorders), the cardiovascular system (heart disorders), the musculoskeletal system (bone disorders) and the digestive system (stomach and intestinal disorders).

Each of these categories and many other categories have long lists of impairments which may qualify you for SSDI.

You must be able to prove you suffer a specific disability on these lists in order to receive benefits. However, even if your disability is not on the lists, you still may be able to make a successful claim. Consult an SSDI lawyer with Jim Adler & Associates for help.

And remember: Just because your physician declares you are disabled does not mean you qualify for disability insurance. The crucial determination of disability is that of the Social Security Administration. It has its own criteria for disabilities, and you must satisfy those.

Your Age is a Factor

Your age also is an important factor when it comes to qualifying for disability insurance.

First, you cannot be 66 or older, which means you qualify for Social Security retirement benefits.

Americans who worked during their lifetime and paid federal taxes into Social Security can start getting back that money upon reaching retirement age.

But you can’t receive such retirement benefits along with disability benefits. Once you reach retirement age, you only can receive retirement benefits, even if you’re disabled. (Retirement benefits may pay more than disability benefits, anyway.)

If you’re under retirement age, age still can be a factor.

For instance, the SSA will grant disability benefits to those who, due to a disability, no longer can perform work to which they were accustomed. And if you’re 50 or older, you may have a better prospect of establishing with the SSA that this is the case. A younger person may be deemed more adaptable.

A person of any age who still can perform substantial gainful activity (SGA) and earn a legitimate income probably will not qualify for disability insurance.

Get a Disability Lawyer

Want to know more? Get a disability lawyer from Jim Adler & Associates, and get knowledgeable, experienced help for your claim.

Your financial well-being is too important to leave to chance. Contact us today for your free case review.

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Testimonials

Erick Becker
Erick Becker
01:20 06 May 17
I am a Patrol Deputy for the Sheriff Office and while working one night, a drunk driver crossed the center stripe on the highway and struck my patrol vehicle head on with his pick up truck. Needless to say we (the drunk driver and I) were both lucky to survive, as the accident occurred at highway speeds. Following my release from the hospital, I knew that I would need to have someone represent me. My employer was happy to represent me in regards to prosecuting the driver for criminal charges but, can do little in respect to the recovery of financial losses for medical bills, pain and discomfort, time lost from work etc... This is how my relationship with Jim Adler and Associates began. Yep, you probably guessed correctly when you think of what made me choose the "Texas Hammer" to represent me. Those half obnoxious, half way entertaining commercials and radio announcements most Texans have been seeing and hearing on the TV and radio for years instantly came to mind. Yes, I wanted to "hammer" this S.O.B. for trying to kill me but, more importantly I was worried about the costs associated with the life long injuries I had sustained as a result of this drunk driver's negligent behavior. I contacted Jim Adler and Associates and so began our relationship. I was immediately surprised by the prompt attention and the expression of genuine concern for my well being that I received from the employees of Jim Adler's office. Now as you can imagine, lawyers are not a breed that is held in very high regard by people in my profession but, my experiences with Jim Adler's office and his employees have forced me to amend my way of thinking, at least on the civil side of the house anyway. I have to chuckle when I say that because my experience as a client of Jim Adler's firm has been exceptionally pleasant. So before I venture down one of the stereotypical and infinite number of rabbit holes associated with the relationship between members of law enforcement and lawyers; I will do my best to stay focused on my experience with Jim Adler & Associates. Upon being informed that my case had been accepted by Jim Adler's office; I was contacted by Iris Sanchez who informed me that she was to be my case manager and any questions, comments and concerns could be directed to her. I was pleasantly surprised to receive regular calls from Iris assisting with my medical appointments and future follow up appointments. Iris had informed me that Jim Adler's son, Bill Adler would be handling my case and I was even more surprised to receive several calls from Bill to discuss my case. Now you might be thinking "what's the big deal" with the person who is representing you contacting you? In reality, you are correct in that it isn't a big deal but, what is noteworthy and what separates Jim Adler's Office from the multitude of other lawyers is the genuine expressions of concern and the desire Bill Adler conveyed to me to do their best to help me. I felt an immediate connection and instantly realized I had made the correct choice in contacting Jim Adler & Associates to handle my case. One thing I think lawyers and police officers can agree on is the proverbial wheels of justice turn very slowly. Months go by and our professional relationship is never neglected. Through the unwavering attention of Iris Sanchez and Bill Adler himself, I never felt "out of the loop" so to speak and always had a clear understanding of where my case was at in regards to the legal process. In conclusion, I know my brief description of my experiences with Bill Adler and, his assistant Iris Sanchez, cannot provide the credit they deserve. Together they have done an outstanding job representing their firm/employer. If you are seeking a great firm to represent your legal interests and, take comfort in establishing a professional relationship that feels more like a friendship than a casual business acquaintance, then I highly suggest Jim Adler & Associates.
Tierra Clark
Tierra Clark
18:52 19 May 17
My lawyer Bill Adler and case manager Iris Sanchez are amazing! They constantly call and check on you . They keep you up to date through the process. They care about you as a person and not just a client. The wreck was a life changing experience that I've never been through before. I'm just glad I had the right people like Bill Adler and Iris Sanchez to help me through it. Truly satisfied.Thanks and God bless y'all!
Lorenzo Preston
Lorenzo Preston
17:23 26 Jan 17
Jim Adler only offer nothing less than a great experience. They are a very well-established organization. They are outstanding on keeping you up to date with cases. There's no beating around the bush with this organization as they are only straight forward with the whole process. They treat their customers like family as well as go above and beyond to fight cases for you only leaving you with nothing but the best experience. Easy 5-star rated organization. I would highly recommend this one organization you not look over.
Tori Barroga
Tori Barroga
14:17 11 May 17
I was dropped from a previous law firm regarding my case before I called Jim Adler. They immediately took up my case and worked hard on it - I was always up to date with each step they took and the benefits or consequences of each. In the end, I am highly satisfied with the outcome and would not have it any other way. It took some time but I truly appreciate and want to thank everybody who helped me on this journey and worked tirelessly on it.
Bernard Orozco
Bernard Orozco
17:16 23 Feb 17
I am very happy with Jim Adler & Associates. I did not know anyone who has ever used the Law Firm before. The staff is very friendly and treated me as if I were family. At times it got very stressful being without a job. They helped me when I was confused about the process. Mrs. Theresa Rodriguez stayed in contact with me constantly. Checking on me to see how I was doing and to let me know how things were going on there end. The Attorneys that handled my case know exactly what they are doing to take good care of me. Thank You so much Attorney's Mr.Michael Gomez and Mr.Trey Smith.
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