Day: November 19, 2023

Marken Law – Tips for Appearing in front of an ALJMarken Law – Tips for Appearing in front of an ALJ

If you have been denied at your initial hearing, appealed in time (60 days), and then were denied at reconsideration – the road to receiving your Social Security Disability Benefits can look daunting, even impossible. It’s likely, you’ve appealed that decision, have waited multiple months, and the day has finally come to have your hearing in front of an Administrative Law Judge (ALJ). What happens now? And importantly, what can you do to prepare?

The biggest problems facing claimants who are not represented by an ALJ are not understanding the hearing format and unaware of the medical and other evidence in their file!

Ensuring Your Medical File is Ready For Review

The single biggest obstacle is the medical file. When unrepresented it is YOUR responsibility to make sure your medical records have been properly submitted to the hearing office and have been placed in your electronic file for the judge to review. This is NOT Social Security’s responsibility. No records, or not an adequate file typically leads to frustration with the judges and a possible unfavorable decision for an otherwise great claim. How do you go about fixing this problem? When the hearing office schedules your hearing (typically more than 75 days out) they will mail you a CD with your file. You need to ACCESS this record and see what Social Security is MISSING from your medical record. Social Security must have records pertaining from your onset date to shortly before your hearing. The ALJ’s tasked to decide your case cannot award benefits if there are no medical records for the time in question. For example if you allege disability from 2016 but only have records beginning 2019, the judge WILL NOT find you disabled prior to the medical records on file! You can request your medical record from your providers at little or no cost to you directly from the provider. This then must be submitted NO LATER than 5 DAYS prior to hearing via fax, mail, etc. Do NOT bring records with you to the hearing unless you HAVE TO (i.e., just received them).

The second biggest obstacle for unrepresented claimants is they are unaware of the hearing format. It is NOT to tell the judge what’s wrong and why they should find you disabled. The ALJ will ask you specific questions about your daily activities, where you worked and the reasons behind leaving work. It is not, in other words, an open forum for you to discuss your problems. It is detailed, specific and if you are not prepared the burden is on you, not the administration.

Other Tips for Your Hearing

We highly recommend you adhere to the following advice as well:

  • Don’t interrupt the judge.
  • Answer the judges specific question. A question about your past work is not a entry to discuss your back problems. The judge knows about your back problems, they want to know about the question they asked.
  • Come prepared with recent medical evidence already submitted well in advance.
  • Arrive early to your hearing. Most offices will screen you for drugs and weapons and have forms to fill out, do NOT BE ON TIME. ON TIME is LATE.
  • Dress comfortably but respectfully; no logos or political statements.
  • Show the judge respect. “Yes your honor” or “No your honor.” They are judges and expect to be treated respectfully. They are the sole decision makers of your claim, so it always helps to show respect.

If you’re interested in finding expert representation to claim your Social Security Disability Benefits, Marken Law Group, does not charge a fee unless you get the benefits you deserve. Click the link below for a free consultation!

Get Expert Help Securing Your Social Security Disability Benefits

Understanding the Student Loan CrisisUnderstanding the Student Loan Crisis

What’s Happening with Federal Student Loan Repayment?

Federal student loan interest resumed on September 1, 2023 after being on pause since March 2020. For students who have federal student Loans, it is time to adapt back to budgeting for these payments that will be due starting October 2023.

Student Loan Forgiveness, Or…

While the Supreme Court recently struck down President Biden’s plan for sweeping student loan forgiveness, another plan is on the way. This new repayment plan — called the SAVE plan, for Saving on a Valuable Education — allows borrowers to save thousands of dollars by keeping their monthly payments small (as small as $0) while also preventing interest from exploding what they owe. Under this new plan, borrowers would pay back just $6,121 for every $10,000 owed.

While the plan is complicated and may yet undergo court challenges or changes through legislation, it’s one step closer to helping provide relief to those carrying burdensome student loan debt with no end in sight.

Student Loan Debt by the Numbers

today, student loan borrowers in the United States owe over $1.78 trillion in student loan debt. Forty-five million Americans (about one in five adults) owe on one or more student loans.

People between the ages 25 and 34, are part of the group most likely to have student loan debt, but those 35 to 49, owe the most — more than $600 billion. Women typically borrow more than men and earn more degrees as well. A 2023 high school graduate can expect to borrow an average of more than $37,000 to fund a bachelor’s degree, down from 2022, when high school graduates were likely to take on more than $39,000 in debt.

Talking with a Canopy Credit Union financial coach will help you put your student loan debt into perspective through budgeting and saving Strategies designed to help you get ahead and thrive when you arrive. We’re always here to answer your questions, share resources, and point you in the best direction to reach your financial goals. Click the link below to learn more! 

Canopy Credit Union