Attorneys have the important task of reviewing medical records with the help of medical review services in connection with the disability insurance cases they handle.

1. Social Security Disability
Insurance – Some Millennial
Thoughts

2. Attorneys have the important task of reviewing medical records with the help of
medical review services in connection with the disability insurance cases they handle.
Social security disability attorneys and law firms have the important task of developing
medical evidence in connection with the disability insurance cases they handle. For this they
will have to request the claimant’s medical records that are needed to win the claim and
submit them to the SSA (Social Security Administration). Typically, to make this process
efficient and quick, attorneys can utilize the service of medical record retrieval companies. The
attorney will then review the medical records to determine whether the claimant needs to
undergo additional testing so that the required medical evidence can be obtained. Here also,
busy attorneys are supported by dedicated medical review services that make the review
process easy. On the basis of this comprehensive review, the attorney,
 May ask the SSA to schedule a CE (consultative examination) with one of their doctors
or request that the claimant get the required testing done on his/her own if needed.
 Will decide which medical records are most pertinent to submit to the administrative
law judge in case of an appeal.
 Will decide which doctors to request for supportive statements regarding the claimant’s
functional limitations.
 Will make a decision as to what to do with any bad evidence that may have a negative
impact on the case.
Concerns Regarding the Social Security Program
Americans are now concerned about the future of social security with news circulating
about the funds running dry. The annual report of the Board of Trustees of Social Security
states that the SS retirement benefit program expects to have enough cash to pay the
promised benefits until 2035. Post 2035, the program will have enough incoming tax revenue
to pay about 77% of scheduled benefits. The Administration may adopt certain measures such
as increasing the payroll tax, eliminating the taxable minimum, increasing the retirement age,
or prohibiting early claiming and so on to save the program.

3. What’s in for Millennials
Millennials are a group that is concerned about the social security program because
they may have to wait until an older age than their parents to claim benefits. Moreover, they
are also likely to face an increased benefit cut if they claim payments early. Let us consider
what this group can expect from the SSA.
Social security disability insurance: Young Americans who have worked and paid into
Social Security even for 1 ½ years in the period of time leading to their disability may qualify
for disability benefits. These benefits are distributed beginning six months after the onset of
disability. The Administration advises that disabled employees should apply as soon as the
disability or health problem begins because the application processing might take three to five
months. Children below 18 years of age or a spouse caring for children below 16 who are
family members of disabled workers may also qualify for these benefits.
Retirement benefits: Millennials can claim the full social security retirement benefits
they are entitled to at the age of 67. For baby boomers this is 66 and for those born in 1937
and earlier this is 65. If a millennial claims payments early at the age of 62, he/she will receive
30% smaller payments compared to a 25% reduction for baby boomers who claim at the same
age. On the other hand, millennials who delay claiming the benefits until age 70 will receive
24% bigger monthly payments.
Survivor benefits: If the millennial passes away, social security benefits could be paid to
his/her children and a spouse caring for them. It is enough that he/she worked for as little as 1
½ years in the 3 years before their death. Besides, a surviving spouse or child may also receive
$255 as a lump sum death payment.
The SSA has made everything transparent for workers by allowing them to create a My
Social Security Account at the Administration’s website. This will enable them to obtain a
personalized estimate of what amount they can expect to receive in retirement. It will also tell
them how much they are entitled to receive in case they become disabled, and who among
their family members are eligible for the benefits in case they pass away. These details are
best checked annually to verify accuracy.