Jim Adler | The Tough, Smart Lawyer
By Jim Adler May 18, 2016

Getting Social Security Disability Insurance can be difficult enough without facing an alphabet soup of terms — often acronyms — which you must understand. Perhaps we can help.

SSA Provides SSDI

For starters, SSDI itself, as noted above, is disability insurance provided through the Social Security Administration, or SSA. This disability insurance is designed for Americans who suffer a physical or mental disability and cannot work before reaching full retirement age.

At retirement age, Americans instead can receive Social Security retirement benefits. But before that it can be SSDI or, as it’s also known, SSD (Social Security Disability).

Such benefits also may be referred to as DIB, or Disability Insurance Benefits, as well as Title II benefits, Title II being the Social Security Act’s chapter that designates such benefits.

There — now you know what you need if you’re under retirement age but can’t work due to a disability. You need SSDI, SSD, DIB or Title II benefits. They’re all the same, just with different names. For our purposes, we’ll use the most common term of SSDI.

Just don’t confuse SSDI with SSI, an additional kind of benefit. That means Supplemental Security Income.

SSI benefits are not paid through the SSA (remember: Social Security Administration), but rather through general funds of the U.S. Treasury. SSI is meant for blind or exceptionally low income persons.

Also called Title XVI benefits, SSI claims should not concern you if you are eligible for SSDI benefits.

SGA Means Ability to Work

When it comes to SSDI claims, one important factor is SGA, or substantial gainful activity. A physical or mental impairment which precludes you from performing substantial gainful activity — that is, work for pay — can be the basis for your SSDI claim.

Persons who are able to perform SGA may not be eligible for SSDI benefits. Persons who lack SGA may be eligible.

A related term, if you gain SSDI benefits, is TWP. That refers to a Trial Work Period. A TWP is an incentive that gives you a chance to test your ability to work without losing your SSDI benefits.

Another alphabet term for SSDI is RFC. What does that mean? It means residual functional capacity. And what does that mean? It means you still can perform work which you’ve performed in the past.

However, if you lose RFC — again, the ability to do work that you’ve already done — you may be eligible for SSDI benefits.

As determined by the SSA, RFC work can be done at various levels: sedentary, light, medium, heavy and very heavy.

This COLA is No Soft Drink

In seeking SSDI benefits, you also may encounter the term COLA. That does not refer to a soft drink. Rather, it means this: cost of living adjustment. Annually, a COLA percentage is calculated to increase SSDI benefits in order to offset cost-of-living increases in society at large.

SSDI Lawyers Are Ready to Help

Another term related to disability benefits is NOSSCR. That signifies the National Organization of Social Security Claimants’ Representatives, of which some SSDI lawyers are members, including attorneys with Jim Adler & Associates.

These lawyers have the skill, knowledge and experience to help guide you through the alphabet soup and complex technical demands of gaining Social Security disability payments.

You may need an SSDI lawyer to help file your claim, or to appeal a denial if your claim is denied, which happens to 60 per cent of claimants.

But take heart: As many as 60 per cent of appeals are granted. Often this involves appearing before an ALJ, or administrative law judge, to state your case — hopefully with help from an Adler SSDI attorney.

Contact us today and let us assist you. You’ll even get a free legal case review.

If that’s A-OK with you, let’s get started.

FREE Case Review

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I went to the office and everyone was so considerate and professional , so my first impression was good, I felt like I was in good hands. Then I received a call from Vanessa Garcia, she was on top of EVERYTHING! I never had to call her, she always called me. She even called to see how I was doing , and if I needed help with anything. That is why I have absolutely no worries.read more
13:42 01 Jun 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!read more
Tierra Clark
Tierra Clark
18:52 19 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.read more
Tori Barroga
Tori Barroga
14:17 11 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.read more
Erick Becker
Erick Becker
01:20 06 May 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.read more
Bernard Orozco
Bernard Orozco
17:16 23 Feb 17
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Lorenzo Preston
Lorenzo Preston
17:23 26 Jan 17
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