Latest / The Steve Harvey Morning Show / Life Benefits: He explains how Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) really works.

Transcript

Life Benefits: He explains how Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) really works. · The Steve Harvey Morning Show

• 0:00
  Speaker 1: Welcome to my show. I'm Rashon McDonald, a host of
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  Speaker 1: Money Making Conversations Masterclass, where we encourage people to stop
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  Speaker 1: can uplift your community, improve your financial planning, motivation, or
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  Speaker 1: advice on how to be a successful entrepreneur. Now, let's
• 0:38
  Speaker 1: get this podcast started. My guest enjoys assisting to disable
• 0:42
  Speaker 1: with attaining Social Security disability benefits. He helps his clients
• 0:47
  Speaker 1: understand the impact that the law has on their lives.
• 0:50
  Speaker 1: As a candidate for disability, he interfaces with various attorneys
• 0:54
  Speaker 1: and judges to ensure that the client is fairly represented
• 0:58
  Speaker 1: in the court of law. Please welcome to the Money
• 1:01
  Speaker 1: Making Conversation Master Class. He's an advocate. Please welcome. Leonard Graham.
• 1:06
  Speaker 1: How you doing limit.
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  Speaker 3: Heyshawn, thank you for having me on the show Man.
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  Speaker 1: When I say an advocate, because we're not talking about
• 1:14
  Speaker 1: an attorney, an advocate for disability and the social security side,
• 1:19
  Speaker 1: what does that mean.
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  Speaker 3: Well, it's it's in a sense kind of lack of attorney.
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  Speaker 3: We still help clients with their representation all the way
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  Speaker 3: from the beginning of the process through appeals to the end.
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  Speaker 3: Relative to me, if they are awarded benefits.
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  Speaker 1: Now you know, I'm sixty seven, Okay, I don't feel
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  Speaker 1: I need benefits like that.
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  Speaker 2: Who needs benefits like that?
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  Speaker 3: Well, it's interesting that you say that because when you
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  Speaker 3: say social security disability, most people will automatically think of
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  Speaker 3: the elderly. Right, But what if, for instance, you get
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  Speaker 3: in a car accident and you can't go back to work,
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  Speaker 3: or you get hurt on the job and you can't
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  Speaker 3: go back to work, or if you have a certain
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  Speaker 3: illness or condition and you can't work. But those are
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  Speaker 3: reasons for filing for disability.
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  Speaker 2: Benefits and why does one file?
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  Speaker 3: So what typically happens is you can file out on
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  Speaker 3: your own. It's good to have a representative, whether it's
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  Speaker 3: an attorney or an advocate, to help you you set
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  Speaker 3: up a phone appointment or you can actually do an
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  Speaker 3: application online with the Social Security Administration, and then they
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  Speaker 3: ask you certain questions related to your conditions. They want
• 2:53
  Speaker 3: to know about what conditions are preventing you from being
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  Speaker 3: able to work or work enough to sustain yourself. So
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  Speaker 3: they ask you those types of questions whether or not
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  Speaker 3: you are still working, because you can actually have a
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  Speaker 3: claim and work, but you cannot gross over a certain
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  Speaker 3: amount per month. It's what we call substantial gain for activity.
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  Speaker 3: So right now, that threshold is sixteen hundred and ninety
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  Speaker 3: dollars a month. So as long as you are under
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  Speaker 3: that gross amount per month, you can still work and
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  Speaker 3: have an active claim.
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  Speaker 2: Oh okay, I didn't know that.
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  Speaker 1: So in other words, I'm just that's why I wanted
• 3:38
  Speaker 1: you on the show because we can turn We could
• 3:42
  Speaker 1: lose out by not knowing. Yes, indeed, and that's a
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  Speaker 1: situation here. So somebody said, man, you working, You can't
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  Speaker 1: get that. That's somebody just shut you down with bad information.
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  Speaker 3: Yeah, it's a lot of that. And one of the
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  Speaker 3: things that we do here at our law firm is
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  Speaker 3: we tell our clients don't talk to somebody else about
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  Speaker 3: your claim. There's no one said universal way of obtaining benefits.
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  Speaker 3: Each claim is its own individual claim, so it's best
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  Speaker 3: that you have your own claim. But don't talk to
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  Speaker 3: your neighbor or even your relatives about your claim because
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  Speaker 3: it's not going to do anything but frustrate you when
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  Speaker 3: they say, well, I read this in the newspaper or
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  Speaker 3: I saw this on the internet, and your situation is
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  Speaker 3: worse than mine. And I'm already getting money because I
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  Speaker 3: know the next call is going to be to me
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  Speaker 3: asking me why am I not getting benefits?
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  Speaker 2: Well, you mentioned a law firm.
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  Speaker 1: Now you took They say, the GENI out of the bag,
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  Speaker 1: Now the cook off the box. Because your law recently
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  Speaker 1: did some fantastic for a young man. I'm gonna see
• 4:52
  Speaker 1: a young man because everybody who's alive is young. To
• 4:55
  Speaker 1: me that it came to the rescue legally and he tenderism.
• 5:01
  Speaker 1: If anybody not familiar with that viral word that came out.
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  Speaker 1: Attorney Ken Harris, he's at your law firm, correct.
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  Speaker 3: Yes, Hen Harrison is the senior attorney at the law firm.
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  Speaker 3: He and I have been in business partners for over
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  Speaker 3: thirty five years.
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  Speaker 1: So you know exactly the type of environment that this
• 5:23
  Speaker 1: company works out of. Because I'm not saying I'm not
• 5:26
  Speaker 1: interviewr Kin, but you got to know the story about
• 5:30
  Speaker 1: how that came about and shared with my audience because
• 5:33
  Speaker 1: reason to ask you to share with my audience, because
• 5:35
  Speaker 1: that's a prime example of what you guys are doing
• 5:38
  Speaker 1: at this law firm. You're helping the needy when they
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  Speaker 1: don't have no what to turn and a lot of
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  Speaker 1: people who need your services are people of color and
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  Speaker 1: black correct.
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  Speaker 3: Yes, And that's one of the things of major focuses
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  Speaker 3: we have here at the law firm is trying to
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  Speaker 3: educate the black community because they're things that they don't
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  Speaker 3: understand or feel like they don't have anywhere to turn
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  Speaker 3: to or somebody to talk to to help educate them
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  Speaker 3: on certain things. So that's what we're here for.
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  Speaker 1: Why is that, you know, I would just you know,
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  Speaker 1: you know, I grew up in a black neighborhood. My
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  Speaker 1: father had a third grade education. He was a truck driver,
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  Speaker 1: He put food on the table. I am where I
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  Speaker 1: am today because he raised me.
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  Speaker 2: Right. My mom, she knows she.
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  Speaker 1: Graduated from high school. So education plays a role, but
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  Speaker 1: also fear plays a role. And what we do as
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  Speaker 1: an African American community because we're afraid to confront something
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  Speaker 1: even though it might be a benefit for us.
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  Speaker 2: How do we change that? Leonard?
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  Speaker 3: Well, one of the things that I've run into, or
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  Speaker 3: we run into here, is when we're talking to individuals,
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  Speaker 3: there's a certain element of ego and pride. So we
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  Speaker 3: try to tell people sometimes you have to be vulnerable
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  Speaker 3: and speak to people and let them know exactly what
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  Speaker 3: you're going through and that you don't understand. That way
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  Speaker 3: you can get educated and know which are the next
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  Speaker 3: steps to take to try to help improve your life.
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  Speaker 1: Now, again, as we as we as I stated earlier
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  Speaker 1: about social security disability. Now I know about social security payments,
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  Speaker 1: I know about Medicare. There's a lot of words out
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  Speaker 1: there that we're throwing out there that's tied to social security.
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  Speaker 1: What is the difference between if you're going to educate me,
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  Speaker 1: educate me right, between medicare and social security disability?
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  Speaker 2: If you can help me there.
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  Speaker 3: Well, when you're filing for soci security benefits, okay, that
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  Speaker 3: is based off of the benefit where you say you
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  Speaker 3: can't work, you unable.
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  Speaker 2: To work, okay, okay, And.
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  Speaker 3: So that comes to the benefit related to a benefit
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  Speaker 3: or amount of dollars that you get. Medicare is the
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  Speaker 3: insurance that covers you once you are awarded benefits.
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  Speaker 1: Oh okay, okay, So that's just another words. When I
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  Speaker 1: go to the doctor's office or when I go to
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  Speaker 1: a pharmacy, that's where MEDICAC covers me. As far as
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  Speaker 1: insurance or the disability, Can you actually present you a check?
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  Speaker 3: Yes, yes, So when you unable to work and you
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  Speaker 3: don't have any income coming in, that's why you file
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  Speaker 3: for Social Security disability. And then there are two different
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  Speaker 3: types of benefits. When you're filing for Social Security disability benefits,
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  Speaker 3: you have Social Security Disability Income or SSDI, which is
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  Speaker 3: the larger of the two benefits. That's based off of
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  Speaker 3: your individual earnings. So when you work and you pay
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  Speaker 3: your taxes, you're paying it to the Social Security system.
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  Speaker 3: That system is based off what we call credits or quarters,
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  Speaker 3: so you get one credit for every eighteen hundred dollars
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  Speaker 3: that you earn. The credit amount changes every year with
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  Speaker 3: the cost of living. You have to have a minimum
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  Speaker 3: of twenty credits to qualify for disability, and forty to
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  Speaker 3: get your maximum benefit, which basically equates if you work
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  Speaker 3: the past five to ten years. Then you should have
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  Speaker 3: to qualifying credits to qualify for disability. Because it's an
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  Speaker 3: earnings based benefit. You can have a million dollars in
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  Speaker 3: the bank and still file for soci security disability. Now,
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  Speaker 3: if you awarded soci security disability benefits, then you qualify
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  Speaker 3: for medical care. That's after you've been disabled for twenty
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  Speaker 3: four months.
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  Speaker 1: Okay, cool, Let me ask you this right quick. Is
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  Speaker 1: there an age restriction? In other words, you have to
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  Speaker 1: be over sixty, be over fifty or over seventy. That'll
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  Speaker 1: be able to over forty? Is there any there's Social
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  Speaker 1: security disability doesn't have an age where it only happens
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  Speaker 1: for you or you only can qualify for it.
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  Speaker 3: No, No, there isn't. As long as you work and
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  Speaker 3: have the qualifying credits, then you potentially qualify for that benefit.
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  Speaker 3: So there is no age restrictions.
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  Speaker 2: So you'd be thirty years old and qualified for this
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  Speaker 2: if you have.
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  Speaker 3: Work, If you work long enough to have the qualifying credits,
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  Speaker 3: you potentially qualify for SoC Security Disability income benefit.
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  Speaker 2: Let me ask you this then, Leonard.
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  Speaker 1: Would somebody feel like they wouldn't they wouldn't apply because
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  Speaker 1: they feel like it might be a stigma, might make
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  Speaker 1: them look bad. I'm just trying to go through the
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  Speaker 1: process that the way people think, the way people are
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  Speaker 1: not filing because again it's there for them, two files.
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  Speaker 1: And that's doing this interview to educate people on stop
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  Speaker 1: letting stereotypes, stop feel like you stigmatize. Talk to us
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  Speaker 1: about that, Leonard.
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  Speaker 3: Yeah, a lot of people do that. They feel like, hey,
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  Speaker 3: if I apply for benefits or if I'm awarded benefits,
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  Speaker 3: that people will look at me in a certain type
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  Speaker 3: of way or feel like I'm not well enough to
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  Speaker 3: do a job. But it's yeared for helping you when
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  Speaker 3: you're unable to work and obtain money or earnings to
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  Speaker 3: help you pay your bills. So let's suppose you you
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  Speaker 3: are awarded benefit. You don't have to keep the benefit.
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  Speaker 3: If God blesses you and you get well again and
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  Speaker 3: you're able to go back to work, all you have
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  Speaker 3: to do is just call the SOB Security Administration and
• 11:51
  Speaker 3: tell them I'm better now, I'm back at work. You
• 11:55
  Speaker 3: can stop my benefits and they'll stop it.
• 11:57
  Speaker 2: Please don't go anywhere.
• 11:59
  Speaker 1: We'll be right back when more Money Making Conversations Masterclass.
• 12:02
  Speaker 1: No need for you to do me a favor right
• 12:05
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• 12:25
  Speaker 1: back to Money Making Conversations master Class with me Rashawn McDonald.
• 12:30
  Speaker 1: So with that being said, let's go through the steps again.
• 12:32
  Speaker 1: I'm talking to Larry Graham. You know you know he enjoys.
• 12:36
  Speaker 1: Let me just tell you something he enjoys. Assistant to
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  Speaker 1: disable with attaining Social Security disability benefits. He's already told you. Well,
• 12:43
  Speaker 1: you hear the word disability and the word social security.
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  Speaker 1: You always think I gotta be over sixty five, I
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  Speaker 1: gotta be over the seventy. I gotta be a retireer zone.
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  Speaker 1: He just told you that's not true. As long as
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  Speaker 1: you reach are achieve the credits. He said twenty and forty,
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  Speaker 1: and that means you have to have had a work history.
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  Speaker 1: As long as you have a work history, you can
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  Speaker 1: qualify this at hell, if you've been working since U fifteen,
• 13:09
  Speaker 1: you qualified twenty five, you qualified thirty. As long as
• 13:13
  Speaker 1: you have work credits to qualify. So that's first stigma
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  Speaker 1: we're trying to get out the way. There's no age issue.
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  Speaker 1: The second stigma is that don't allow people to believe
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  Speaker 1: just because you on disability that that's something you should
• 13:28
  Speaker 1: be ashamed of.
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  Speaker 3: Correct letter, That is correct, And I do want to
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  Speaker 3: mention the other part of the benefit, which is SSI
• 13:37
  Speaker 3: Supplemental Security Income. That's based off of individual's resources. So
• 13:44
  Speaker 3: if you have worked, but you don't have enough credits,
• 13:49
  Speaker 3: or you haven't worked at all, then you still have
• 13:54
  Speaker 3: the opportunity to apply for SSI benefits as a resource benefit.
• 14:02
  Speaker 3: With SSI, they look at your resources, so your resources
• 14:07
  Speaker 3: can't be over two thousand dollars a month if you're single,
• 14:12
  Speaker 3: three thousand dollars a month if you're married. So what
• 14:15
  Speaker 3: they do is they when you file and they're doing
• 14:19
  Speaker 3: their interview, they ask you financial questions, whether or not
• 14:22
  Speaker 3: you have a check in or save as account, if
• 14:25
  Speaker 3: you have for one K or property or multiple cars,
• 14:30
  Speaker 3: things of value. As long as that value is not
• 14:34
  Speaker 3: over two thousand dollars or three thousand dollars, you could
• 14:38
  Speaker 3: potentially qualify for SSI benefits. Now, they do not count
• 14:44
  Speaker 3: your primary home or your primary vehicle. But if you
• 14:48
  Speaker 3: have other property or vehicles, then they take that into account.
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  Speaker 2: So let's go all get you the big word, the fraud.
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  Speaker 1: What shouldn't they be come on that, Leonard, because that's
• 15:01
  Speaker 1: where we were drifted, you know, because you said, hey,
• 15:04
  Speaker 1: they do not charge, they do.
• 15:06
  Speaker 2: Not kind a primary home or primary car.
• 15:09
  Speaker 1: So to avoid fraud, what should our listeners do besides
• 15:14
  Speaker 1: call you?
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  Speaker 3: Just just tell the truth. That's the best thing to do.
• 15:19
  Speaker 3: Just tell the truth. When you're applying. You can potentially
• 15:23
  Speaker 3: be awarded benefits because if they catch you on the
• 15:27
  Speaker 3: fraud side, then you're gonna wind up having an overpayment.
• 15:31
  Speaker 3: You're going to pay the money back that they that
• 15:34
  Speaker 3: they sent you if you awarded benefits, and they will
• 15:38
  Speaker 3: stay on you to get that money back.
• 15:40
  Speaker 2: Yes they will, Yes they will. That be saying tell
• 15:43
  Speaker 2: us how to get in touch with you, Leonard.
• 15:45
  Speaker 3: So here at the lawlaw firm, we actually have two firms.
• 15:52
  Speaker 3: We have Ken Harrison Associalist Law Firm, and then Ken
• 15:55
  Speaker 3: and I started a national firm called USSA United States
• 16:03
  Speaker 3: Social Security Advocates. So we have the ability to help
• 16:09
  Speaker 3: clients all across the country. We don't have to be
• 16:14
  Speaker 3: in a certain state to help clients. You don't have
• 16:18
  Speaker 3: to be an attorney to be in another state. We
• 16:22
  Speaker 3: have clients from coast to coast. We have clients in
• 16:27
  Speaker 3: d C, Baltimore, California, Texas, but they can reach us
• 16:34
  Speaker 3: here at the office at seven zero four six two
• 16:39
  Speaker 3: one eight three six seven.
• 16:43
  Speaker 1: Okay, you're based in Charlotte, but can be work with
• 16:46
  Speaker 1: anybody throughout the domestic of the United States.
• 16:49
  Speaker 3: Okay, yes, anybody.
• 16:51
  Speaker 1: Okay, let me ask a couple more questions before I
• 16:52
  Speaker 1: get you out of here. What happens if I get denied?
• 16:55
  Speaker 1: What can you do for me?
• 16:56
  Speaker 2: Then?
• 16:57
  Speaker 3: What typically happens? And that's a great question because a
• 17:01
  Speaker 3: lot of people who especially who file on their own,
• 17:05
  Speaker 3: they have the thought, well, let me I know I
• 17:08
  Speaker 3: can't work, let me go ahead and file so I
• 17:10
  Speaker 3: can here, you get and have some benefits and insurance
• 17:13
  Speaker 3: coming in, and I can continue on with my life.
• 17:18
  Speaker 3: And when they file and they get denied, they get
• 17:21
  Speaker 3: mad and frustrated and say, forget it right. If you
• 17:26
  Speaker 3: get a denial, you have sixty days to appeal a decision.
• 17:32
  Speaker 3: So the key with the situation is to continue on
• 17:36
  Speaker 3: with the claim, getting a denial at initial filing is
• 17:40
  Speaker 3: nothing out of the normal. I'd say ninety ninety five
• 17:44
  Speaker 3: percent of initial filings are denied. The key is to
• 17:48
  Speaker 3: continue with the claim to appeal that decision. It's what
• 17:51
  Speaker 3: we call the request for reconsideration. If that is denied,
• 17:57
  Speaker 3: we still continue on and do another appeal to request
• 18:01
  Speaker 3: the hearing date to go before the administrative law That's
• 18:05
  Speaker 3: where you have a better chance of obtaining benefits because
• 18:09
  Speaker 3: now you get a chance to go before the administrative
• 18:12
  Speaker 3: law judge to talk to somebody. So the administrative law
• 18:16
  Speaker 3: judge takes your testimony along with the medical evidence, and
• 18:21
  Speaker 3: that judge renders his own decision separate and distinct from
• 18:26
  Speaker 3: the two potential denials you may have got.
• 18:29
  Speaker 1: Now that sounds like a loan process. Should I be
• 18:32
  Speaker 1: patient or or is it months of weeks? How long
• 18:35
  Speaker 1: does the process like that take?
• 18:37
  Speaker 3: Leonard, Patience is a key because this can be a
• 18:42
  Speaker 3: lengthy process. They don't have enough representatives at Social Security
• 18:47
  Speaker 3: Administration for all the claims that they have, so it
• 18:51
  Speaker 3: can take a while. But the key is being patient
• 18:57
  Speaker 3: and just moving forward and going through with the process.
• 19:00
  Speaker 3: There are times where we get what we calld and
• 19:04
  Speaker 3: on the record award OTR, So you could file and
• 19:10
  Speaker 3: it could be an initial filing or reconsideration where you
• 19:14
  Speaker 3: are awarded based off the medical evidence that they see.
• 19:17
  Speaker 3: So with all the pins, we could have some of
• 19:21
  Speaker 3: the same conditions, but your condition may be a little
• 19:24
  Speaker 3: worse than mine. Right, your age plays apart, your education
• 19:30
  Speaker 3: plays apart, your past work history, all that plays apart
• 19:34
  Speaker 3: when you're talking about social security disability benefits.
• 19:37
  Speaker 1: I ask you two more questions you, Leonard. One is
• 19:41
  Speaker 1: I'll be honest with you. When I got sixty five,
• 19:45
  Speaker 1: I finally saw that check from Social Secure, they go,
• 19:48
  Speaker 1: are you kidding me? I can't live off this, you know,
• 19:52
  Speaker 1: because they play it off like you know, we've retired,
• 19:55
  Speaker 1: got so security check. Coming that check is a grave disappointment. Now,
• 19:59
  Speaker 1: medic fantastic, the Social Security check whatever. What type of
• 20:05
  Speaker 1: benefits in the disability world are you looking? Is one
• 20:09
  Speaker 1: looking to possibly get if they qualify on the twenty
• 20:13
  Speaker 1: credits and they qualify on the forty credits.
• 20:17
  Speaker 3: Well that's based upon your earnings. But if you have
• 20:21
  Speaker 3: the credits and you're awarded, whether it's the twenty or
• 20:26
  Speaker 3: the forty, if you're awarded, you awarded and what they
• 20:29
  Speaker 3: do is they look at your earnings over a thirty
• 20:32
  Speaker 3: five year period. Even if you hadn't worked thirty five years,
• 20:36
  Speaker 3: they'll just put zeros in for the years that you
• 20:38
  Speaker 3: hadn't worked, and their calculation based off of that to
• 20:42
  Speaker 3: let you know what your monthly benefit would be.
• 20:45
  Speaker 2: Wow. Now, my last question. What happens when I get approved?
• 20:51
  Speaker 3: When you get approved, typically what happens is soci Security
• 20:56
  Speaker 3: will send out what we call the notice of award,
• 21:00
  Speaker 3: letting you know that you've been awarded benefits. It'll usually
• 21:04
  Speaker 3: have the breakdown of what your monthly benefit will be
• 21:08
  Speaker 3: about the time you should receive it, if there's any
• 21:11
  Speaker 3: back pay that's recovered, what your back pay is going
• 21:14
  Speaker 3: to be. If you have a representative who has helped you,
• 21:18
  Speaker 3: it'll even let you know what the representative representative is
• 21:23
  Speaker 3: entitled to.
• 21:24
  Speaker 2: Wow, it's been fantastic.
• 21:25
  Speaker 1: Again, give me that number one more time after we
• 21:27
  Speaker 1: wrap up this interview, Leonard.
• 21:30
  Speaker 3: The number here at the law firm is seven zero
• 21:32
  Speaker 3: four six two one eight three six seven.
• 21:40
  Speaker 1: And this is you provide services. Even though you're based
• 21:43
  Speaker 1: in Charlotte, North Carolina. It doesn't matter what state as
• 21:47
  Speaker 1: long as you in the United States. You can provide
• 21:50
  Speaker 1: services for individual anybody who's trying to get their Social
• 21:54
  Speaker 1: Security disability payments exactly.
• 21:58
  Speaker 3: And another thing, I wanted to just make sure that
• 22:00
  Speaker 3: people know there is no upfront costs relating to a claim.
• 22:06
  Speaker 3: We only get paid number one if you are approved
• 22:10
  Speaker 3: for benefits and number two, if there's any back pay
• 22:14
  Speaker 3: that is recovered, we get paid out of the back pay.
• 22:18
  Speaker 3: But we don't touch any other money or handle any
• 22:21
  Speaker 3: other benefit. Social Security does all of that. They make
• 22:26
  Speaker 3: the determination of what our fee is. We don't, and
• 22:29
  Speaker 3: then they'll send that directly to us. Everything else goes
• 22:33
  Speaker 3: to the individual.
• 22:35
  Speaker 2: Well learn her. Thank you man for coming on the show.
• 22:37
  Speaker 1: I really when I say that, man, because knowledge is power,
• 22:42
  Speaker 1: and in our community, meaning the community of color, the
• 22:44
  Speaker 1: Black community, that knowledge seems to be either doesn't come
• 22:49
  Speaker 1: into our community, goes over our community, or flat our
• 22:51
  Speaker 1: skips our community. But you offered us an opportunity to
• 22:56
  Speaker 1: change people's lives.
• 22:59
  Speaker 3: Man. I really appreciate shake the time, and please, by
• 23:02
  Speaker 3: all means, all of your listeners, if you have questions
• 23:05
  Speaker 3: related to some Security disability, please feel free to give
• 23:09
  Speaker 3: us a call.
• 23:10
  Speaker 2: We will thank you for coming on money Making Conversations Masterclass.
• 23:13
  Speaker 2: Appreciate you. Thank you for listening to this episode.
• 23:16
  Speaker 1: Now I need for you to do me a favor
• 23:18
  Speaker 1: right now to follow or subscribe to Money Making Conversation.
• 23:22
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• 23:31
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• 23:35
  Speaker 2: Keep winning