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If My NC Social Security Disability Claim Is Approved, How Much Will I Receive Per Month?

Before deciding to apply for disability benefits, many people wonder how much the Social Security Administration (SSA) actually pays for disability. It is smart to start thinking about your potential disability benefits payment amount before filing a disability application, because the type of disability you apply for will have an impact on your monthly payment amount.

Supplemental Security Income vs Social Security Disability Income

Supplemental Security Income (SSI) is the disability program that provides payments to people who have low income, assets, and resources in their name and in their household. To be eligible to apply for SSI, the disability applicant has to show that they are financially eligible for the program before the SSA will determine if they are disabled.

Social Security Disability Insurance (SSDI) is the disability program that provides payments to people who have earned enough work credits and are still insured by those work credits. To be eligible to apply for SSDI, the SSA will review your work history and the income taxes that you’ve paid in to determine your insured status before determining if you are disabled.

Not everyone is eligible for both SSI and SSDI, but it is possible to be eligible for both. Therefore, you want to determine your eligibility before submitting your application. Filing the wrong disability claim can lead to you getting less money than you could have had if your claim is approved, as the SSI payment amount is a fixed amount, called the Federal Benefit Rate (FBR), and the SSDI payment amount is based on your past wages, which can lead to a monthly payment higher than the Federal Benefit Rate.

Make sure not to confuse SSI and SSDI with SSA’s Retirement Benefit. SSI and SSDI are for people who are disabled before retirement age and if you are simply seeking to file for Retirement, you do not need to prove a disability or have an attorney. However, an experienced attorney could be a valuable asset in SSI and SSDI claims because you need to prove to the Social Security Administration that you are disabled and cannot work before you can be paid disability benefits.

It is also important to note that how much you may receive monthly is not based on how disabled you are like veteran’s disability through the VA. Once you are found to be disabled, your payment is based on the FBR, your past earnings and other benefits that you may be receiving.

Calculating SSI Benefits

Calculating your SSI benefit amount starts by looking at the FBR. The FBR is the maximum monthly payment amount that a disabled person can receive under SSI. The FBR changes annually as the SSA adjusts the amount to reflect cost of living increases and inflation. For 2020, the FBR is $783 for individuals that are eligible and $1,175 for eligible married couples. As stated, the FBR is the maximum payment from the SSA. However, there may be reductions in that payment amount or supplements to the payment amount, as discussed below.

Calculating your potential SSDI benefit amount starts by looking at your average lifetime earnings. There is no base rate for SSDI like there is for SSI. The SSA will utilize a formula to calculate your benefit amount that takes into account your covered earnings (earnings where you paid income taxes). Thankfully, you can get an estimate of your specific benefit amount on the SSA’s website by using one of their Social Security Calculators. For high earners, it is important to note that there is a maximum payment amount that also fluctuates annually. For 2020, the maximum monthly SSDI benefit amount is $3011 for an eligible individual. Like SSI, there can be reductions to the SSDI payment.

Other Factors that Affect Your Potential Payment

As discussed above, the SSI and SSDI benefits amounts start by looking at the FBR and average lifetime earnings respectively. From there, if you qualify, there can be reductions and supplements to that starting monthly payment amount. When calculating how much you will be paid monthly, the SSA will also look at things like other disability payments that you receive, if others provide you with financial support and which state you live in.

VA and Private Disability Insurance

One piece of good news is that VA disability and private disability insurance benefits, like a short-term or long-term disability policy, do not affect your SSDI benefits. The short-term or long-term disability insurer may seek reimbursement for payouts during the time that you also received disability from the SSA, but the SSA will not reduce your SSDI payment if you received short-term or long-term disability. However, those non-SSA benefits may affect your SSI payments if they are high enough to make you financially ineligible for SSI.

Workers’ Comp and State Disability

The bad news is that some benefits, like workers’ compensation and state disability benefits, do affect your monthly SSDI benefits and can reduce your monthly payment amount. If you receive workers’ compensation for a work-related condition or state or federal employee disability compensation, the SSA can reduce your monthly SSDI payment to ensure that the combination of all the benefits does not exceed 80% of your average earnings before you became disabled.

Long story short, the SSA will prevent you from making a profit off of being disabled. If you receive workers’ compensation and/or state or federal employee disability benefits, it is a good idea to contact the SSA to determine your average earnings to see if your benefits will exceed the 80% threshold. As with other benefits, workers compensation and state or federal employee disability benefits can make you financially ineligible for SSI. If you would like to read more about how Workers’ Compensation or State Disability Benefits impacts your Disability payment, the SSA has a publication available here.

When Kindness Is Income: Support From Loved Ones

For SSI benefits, the SSA can also reduce your monthly benefit amount if someone else is providing for you. For example, if a friend or family member buys your food or pays your rent, the SSA will consider that to be income. The SSA calls this In-Kind Support and Maintenance (ISM). If there is ISM, the SSA will total the value of the ISM and reduce your SSI payment by the amount given to you.

Upward Adjustments and Increasing Your Potential Benefit Amount

Thankfully, there can be supplements or increases to the monthly payment amount. As stated above, some disability applicants are eligible for SSI and SSDI. If your averaged lifetime earnings calculation would lead to you having an SSDI payment below the FBR and you are otherwise financially eligible for SSI, you can receive SSDI and SSI once approved. The SSI would supplement the SSDI benefit amount to bring you up to the FBR of $783. Also, the vast majority of states provide a State Supplement for SSI benefits. The supplemental payment ranges from an extra $100 to $400 per month and depends on where you reside. The amount will be determined by factors like your residence and care needs; i.e. being a resident in a nursing home or permanent care facility.

If You Think You May Not Be Getting the Benefits You Deserve, Contact an Experienced Social Security Disability Attorney

The Social Security system is complicated, and there are many, many moving parts. How do you know you’re filing in the right order and how do you try to ensure you get the benefits you’re entitled to receive? Contact the Law Offices of James Scott Farrin for a free case evaluation at 866-900-7078. We’re here to assist you!

What Is Backpay in the Context of Social Security Disability?

When applying for disability, it is important to know not only what the Social Security Administration (SSA) is looking for while deciding on a disability claim, but also what benefits you’ll receive if it is approved. If you have done your research or spoken with someone that has received disability, you have probably heard of the term “backpay,” but you might not know what it is exactly, or how you receive it.

Social Security Disability Backpay, Defined

In short, Social Security Disability backpay is a lump sum payment for the time period that you were eligible to receive disability payments but were waiting to be approved for disability benefits. Because it can take people years to get approved for disability benefits, many people receive backpay and some people can receive a significant amount.

Once you are approved for Disability benefits, the SSA will then determine the following for backpay:

  1. When exactly you became disabled
  2. When you were entitled to start receiving payment
  3. How much your monthly benefit payment will be going forward, and
  4. How much backpay or retroactive disability benefits you are owed

Generally, your backpay amount is a calculation of your monthly benefit amount and how many months you were entitled to a payment before you were approved for benefits. There are many exceptions where backpay can be reduced.

However, generally speaking, the SSA will multiply the monthly benefit amount by the number of months that you were entitled to a payment before being approved and then will pay that total amount as one lump sum once you're approved.

Before applying, it is important to know that your monthly benefit amount and how much backpay you may receive will be dependent on which disability program you apply under and the onset date of your disability, as determined by SSA.

For Social Security Disability Insurance (SSDI) Disability and Supplemental Security Income (SSI) Disability applicants, the SSA may grant backpay benefits back to the month after you applied for disability. SSA issues a backpay payment to compensate you for the time that you were disabled and eligible for payment but had to go through the SSA’s application process to get approved. It is important to note that although it is possible to receive backpay for the time that your claim was being processed, receiving backpay is not guaranteed. Additionally, if backpay is granted, the duration of time for which you will receive backpay and the amount of backpay are determined by the SSA.

SSDI and SSI Application Process: When Backpay Starts

When you submit your application for disability, you will tell the SSA that date that you believe you became disabled. This is called your Alleged Onset Date (AOD). After the SSA reviews your claim and finds you to be disabled, they will give you an Established Onset Date (EOD). The EOD is the day that the SSA has determined that you became disabled.

For SSI applicants, the earliest possible EOD that SSA will give is the day that you applied for SSI. This is why SSI backpay does not go back farther than the month after you applied for SSI.

For SSDI applicants, your EOD can be much earlier than the date of the application. For SSDI applicants with an earlier EOD, it is possible to get retroactive disability payments.

Disability Backpay vs. Retroactive Disability Payments

It is important to avoid confusing disability backpay and retroactive disability payments.

For SSDI applicants, it is possible to receive backpay for the period that you were waiting to get approved and retroactive disability payments for some of the time that you were disabled before you applied.

Retroactive disability benefits are paid for the time period after your EOD, after your entitlement date, but before you applied for SSDI. Retroactive disability benefits can be paid for up to twelve months (one year) prior to the submission of the SSDI application. To determine the amount of retroactive disability benefits, the SSA will set the EOD and the date of entitlement.

The date of entitlement is the date that someone approved under SSDI became entitled to monthly disability payments. This date is different from the EOD because under the SSDI payment rules, there is a mandatory five-month waiting period after the EOD before someone disabled under SSDI can start getting payments.

Whether you’re receiving backpay only or backpay and retroactive disability benefits, once the amount of benefits are calculated, you will receive the lump sum payment within two months of being approved for disability benefits.

Contact a North Carolina Social Security Disability Lawyer

Remember, backpay is not guaranteed and you can be approved for disability payments going forward without receiving an award for backpay or retroactive disability benefits. You should contact an attorney if you would like to know if you can receive backpay or retroactive disability benefits before you apply for SSI or SSDI. Please call our legal team at 1-866-900-7078 or contact us here if you have any questions.

Is There a Comprehensive List of Impairments That Social Security Considers Disabling?

Many people with serious medical conditions find themselves wondering, “What does it take for me to get approved for disability benefits?” Unfortunately, there is no quick answer. When the Social Security Administration (SSA) reviews disability claims, they look at many factors of the claim before making a decision.

The SSA will look at your age, your education level, your prior work history, your medical conditions and how your medical conditions affect you. Once they view the full picture, the SSA will make a determination as to whether they think your medical conditions stop you from working.

Because the SSA will look at factors other than your medical condition when determining if you are disabled, there is no exhaustive list of medical conditions that SSA considers disabling. However, there are some conditions that the SSA recognizes as severe. The disability claims containing those recognized severe conditions may receive special consideration while the disability claim is being processed.

The (Non-Comprehensive) Listing of Impairments and How It’s Used

The SSA does have a Listing of Impairments, also called the Blue Book, which contains a list of severe medical conditions that can be considered disabling and can qualify someone for disability. The Listing of Impairments establishes the criteria that need to be met for someone to qualify under the listing. Because the listing is utilized to quickly identify disabling conditions, the criteria can be extensive and hard to meet. To assess the strength of your claim compared to a listed condition, you can look to see if your condition matches the listing.

If your medical condition is included in the Listing of Impairments, you will want to carefully review the specific medical listing and the criteria to see what medical evidence the SSA will need to determine that your condition matches, or “meets” the medical listing. The criteria can be anything from lab results, procedures done by your medical team, the duration of time that you’ve had the condition and how the condition affects you day-to-day.

If you are not sure if you meet the listing, you can ask your medical provider to review it with you to see if all the criteria have been met. If you do not meet all of the criteria, you may be able to get approved if the SSA believes that your condition “equals” the listing.

Equal Versus Meet on the List of Impairments

Meeting the listing criteria means you have all of the evidence you need to prove you have the listed impairment. Equaling the listing means you may not have all of the evidence the criteria require, but are functionally the same.

Arguing that you equal the listing, or have medical equivalence, means that your medical condition has the same severity level of the listing criteria even if it does not meet the exact listing criteria. The SSA understands that the criteria are rigid and that someone may have the same condition at the same severity level but not check all the boxes. To evaluate your condition, the SSA may have a medical provider examine you to see if your conditions are severe enough to be equivalent to the medical listing.

Reviewing the List of Impairments and the Compassionate Allowances

Take a few minutes to review the Listing of Impairments on the SSA’s website. The medical conditions will be separated by type of illness. For example, if you have Asthma, you will want to look at Listing 3.00 for Respiratory Conditions or if you had a Stroke you will want to look at Listing 11.00 for Neurological Conditions.

Remember, the Listing of Impairments covers a broad range of conditions and it is possible to have more than one Listing condition. Take the time to review the Listings thoroughly. The Listings are found here: https://www.ssa.gov/disability/professionals/bluebook/AdultListings.htm

Separate from the Listing of Impairments is a shorter, more specific list of conditions that the SSA has developed to easily identify conditions that are considered to be automatically disabling. The Compassionate Allowances list is a list of extremely severe conditions that are clearly disabling, and therefore require less evidence to process the claim.

A lot of terminal illnesses and cancers are on the Compassionate Allowances list. These conditions qualify for expedited claims where people can be approved for disability within a couple weeks. If you would like to see if your medical condition qualifies for a faster, Compassionate Allowance claim, you can view the Compassionate Allowances list here: https://www.ssa.gov/compassionateallowances/conditions.htm

Make Your Claim, and Speak to an Experienced Social Security Disability Attorney if You Have Questions

Remember that the SSA will look at your entire application when deciding on your disability claim. So if you do not meet or equal a Listing condition or qualify for a compassionate allowances claim, you can still be approved for disability.

The process can be confusing, and claims are often denied. Don’t be discouraged. Contact an experienced Social Security Disability attorney at the Law Offices of James Scott Farrin for a free case evaluation at 1-866-900-7078 or contact us online. We have a NC State Bar Board Certified Specialist in Social Security Disability Law and several people with experience working in the Social Security system. We’ll listen to you, review your information, and help you understand what to do next.

Cómo la Administración del Seguro Social está manejando el COVID-19

El COVID-19 ha forzado a gran parte del mundo a cambiar la manera en la que conduce sus negocios, y la Administración del Seguro Social (SSA por sus siglas en inglés) no es diferente. Para la mayoría de las personas que ya reciben beneficios, no habrá cambios a lo usual. Para aquellos que están solicitando beneficios del SSA, hay cambios importantes al proceso.

Las Oficinas del SSA están cerradas

  • A partir del martes 17 de marzo la Administración del Seguro Social cerró al público todas sus oficinas locales. Muchas están operando con personal mínimo para continuar procesando solicitudes, apelaciones y pagos. La única diferencia que los reclamantes pueden notar es que asuntos que anteriormente se realizaban en persona ahora tendrán que hacerse por teléfono o en línea. Por ejemplo, cuando se abra una reclamación, la SSA podrá enviar los documentos por correo en vez de solicitar firmas en persona.

Nota: Por favor consulte con su abogado/representante cuando reciba documentos por correo para asegurarse de que son auténticos. Pese a que no hay reportes de fraude, no se pierde nada con asegurarse que lo que usted está firmando y enviando es genuino y va al recipiente correcto.

  • La SSA tiene alguna de sus oficinas asistiendo otras áreas geográficas que han sido más afectadas por el COVID-19.
  • Los empleados del SSA están en lo que se llama una “Estación de Función Alterna,” lo que significa que se les han otorgado laptops y están trabajando remotamente o desde su casa, incluyendo los jueces.
  • La SSA espera que los reclamantes optaran por vistas telefónicas cuando sea posible, ya que esto ayudará a reducir la posibilidad de casos pendientes. A los abogados que representan reclamantes se les solicitó que les motivaran a aceptar vistas telefónicas, pero la decisión final queda en el reclamante.

UN APARTE: La SSA tiene una política de no llamar a las personas sin avisar. Por favor sepa, que si usted tiene una reclamación por incapacidad, nueva o pendiente, no es inusual que usted escuche de ellos. Esto no significa que usted debe bajar su guardia. La SSA tiene un protocolo de seguridad para asegurar que cuando usted les llame, o ellos le llamen a usted, ellos puedan verificar su identidad.

Por eso, usted debe saber que le harán al menos dos o más preguntas (tal como el apellido de su mamá o su lugar de nacimiento). Anticipe que le hagan estas preguntas ya que es su política. Para su seguridad, la SSA ha publicado una hoja de datos sobre como realizan sus conferencias telefónicas.

La Agencia de Determinación de Incapacidad continúa operando

  • Una vez la SSA ha aceptado una reclamación o procesado una primera apelación, el caso es enviado a la Agencia de Determinación de Incapacidad (DDS por sus siglas en inglés) para tomar la determinación médica sobre si un reclamante está o no incapacitado bajo la Ley del Seguro Social.
  • Todas las oficinas de la DDS están cerradas hasta nuevo aviso.
  • Los casos en proceso continuarán recibiendo correspondencia o llamadas telefónicas relacionadas con su caso si se encuentra en el nivel inicial o el nivel de solicitud de reconsideración. Usted puede recibir llamadas telefónicas del Examinador de Incapacidad sobre su caso. Nuevamente, si usted tiene un caso pendiente, no le debe sorprender que reciba una llamada sobre su discapacidad, historial de trabajo, o actividades del diario vivir.

Los casos continúan yendo a Vistas

  • La Oficina de Operación de Vistas maneja los casos al nivel de Vistas. Los Jueces y su personal continúan evaluando casos y exbibits en evidencia.
  • Por ahora, las vistas se llevaran a cabo por teléfono.
  • Los jueces administrativos estarán celebrando vistas desde sus casas a partir del 30 de marzo usando equipo telefónico y de grabación especial. Aquellos reclamantes que decidan aceptar las vistas telefónicas deben anticipar que dichas vistas se celebren en las fechas originalmente calendarizadas.
  • Los reclamantes no tienen que esperar a ser llamados si su vista está programada por teléfono, usted puede llamar a la oficina de vistas a la hora programada para la misma o puede esperar a ser llamado. Espere que las líneas telefónicas estén ocupadas.
  • Los jueces no están obligados a obviar la regla de presentar evidencia en 5 días, pero se les ha solicitado que sean comprensivos de la situación. (Los reglamentos requieren que los reclamantes o sus representantes presenten evidencia al juez 5 días laborables antes de la vista).

Nosotros continuamos abiertos, y continuamos trabajando en los casos de Seguro Social de nuestros clientes

Las Oficinas Legales de James Scott Farrin continúa operando durante la crisis del COVID-19, a pesar de que nuestros métodos han cambiado. Nuestras oficinas están abiertas, solo para citas, y mucho de nuestro personal se encuentra trabajando de forma remota para seguir las recomendaciones apropiadas para el distanciamiento social, para el beneficio de la comunidad en general.

Si usted entiende que tiene derecho a los beneficios del Seguro Social o Incapacidad, llame al 1-866-900-7078 inmediatamente, 24-horas al día, para una evaluación gratuita. Aquí estamos para usted y listos para luchar por sus derechos.

El Sr. Fleming se unió a Las Oficinas Legales del James Scott Farrin en el 2002. Se convirtió en accionista en la Firma en el 2008 y actualmente lidera el Departamento de Seguro Social. Está admitido a practicar ante el Tribunal Supremo de los Estados Unidos.

Updates: How the Social Security Administration Is Handling COVID-19

The COVID-19 crisis has forced much of the world to change how it conducts business, and the Social Security Administration (SSA) is no different. For the majority of people already receiving benefits, there will be no changes to life as usual. For those who are seeking benefits from SSA, there are important changes to the process.

SSA Offices are Closed

  • As of Tuesday March 17th the Social Security Administration (SSA) closed all of its local offices to the public. Many are running on a skeleton crew to continue to process applications, appeals, and payments. The only difference claimants may experience is that anything they might have normally done in person will now need to be done by telephone or online. For example, when a claim is opened, SSA may mail documents to sign rather than ask for in-person signing.

NOTE: Please consult with your attorney/representative when you receive documents by mail to ensure they are authentic. While there are no current reports of fraud, it does not hurt to be certain that what you are signing and returning is genuine and going to the correct recipient.

  • The SSA has some of its offices assisting with other geographic areas that have been most affected by COVID-19.
  • SSA employees are in what’s called “Alternative Duty Station,” which essentially means they have been issued laptops and are working remotely or from home, even judges.
  • The SSA is hoping that claimants will opt for telephone hearings when possible, as it will help reduce the possibility of a backlog of cases. Attorneys representing claimants were asked to encourage them to accept telephone hearings, but the decision ultimately rests with the claimant.

SIDEBAR/BREAKOUT: SSA has a policy of not calling people by telephone out of the blue. Please know that, if you have a new or pending disability claim, it would not be unusual for you to hear from them. This does not mean, however, that you should let your guard down. SSA has a security protocol in place to ensure that when you call them, or when they call you, they can verify your identity.

Because of this, you should know that they will ask you at least two or more questions (such as your mother’s maiden name or where you were born). Expect them to ask these questions as it is their policy.  For your safety, SSA has published a fact sheet about their telephone calls.

Disability Determination Services Continues Operating

  • Once SSA has taken a claim or processed a first appeal, the case is then sent to Disability Determination Services (DDS) to make the medical determination if a claimant is or is not disabled under the Social Security Act.
  • All DDS offices are closed until further notice.
  • Those with cases in process will continue to receive mailings and telephone calls related to their case if it is at the initial level or the request for reconsideration level. You may receive telephone calls from the Disability Examiner about your case. Again, if you have a pending case you should not be surprised if you receive a call about your impairment(s), work history, or activities of daily living.

Cases Continue to Be Heard

  • The Office of Hearing Operations handles cases at the Hearing level. Judges and their staff are continuing to review cases and exhibit evidence.
  • For the foreseeable future, cases will be heard by phone.
  • Administrative Law Judges will be hearing cases from their homes as of March 30 using special telephone and recording equipment. Those claimants who decide to accept telephone hearings should expect those hearings to take place as originally scheduled.
  • Claimants do not have to wait to be called, if you are scheduled to have your hearing by telephone, you can call the hearing office at the scheduled time of your hearing or you can wait to be called. Expect the phone lines to be very busy.
  • Judges are not required to waive the 5-day rule requirement for submission of evidence, but have been asked to be understanding of the situation. (Regulations require claimants or their representatives to submit evidence to the judge five business days prior to the hearing.)

An experienced Social Security Disability attorney will be able to help you understand the rules and ensure your case is properly presented.

We Are Still Open, and Continue to Work Social Security Cases for Our Clients

The Law Offices of James Scott Farrin continue to operate through the COVID-19 crisis, though our methods have changed. Our offices are currently open by appointment only, and much of our staff is working remotely to follow appropriate social distancing recommendations for the health of the community as a whole.

If you believe you are entitled to Social Security and/or Disability benefits, call 1-866-900-7078 immediately, 24-hours a day, for a free case evaluation. We’re still here for you, and ready to fight for your rights!

Social Security Is NOT Going Bankrupt!

Many Americans believe Social Security won’t exist for much longer, but honestly, that couldn’t be further from the truth.

This past June, The New York Times posted a doomsday report on the future of Social Security. It claimed that a slow-moving crisis is approaching for Social Security, and that unless an urgent political solution is reached in the near future, Social Security would be depleted within 15 years.

The story doubtlessly scared a lot of seniors, imminent retirees, and the 10 million-plus Americans currently collecting Social Security Disability benefits, but the article is highly misleading.

USA Today presented a more accurate outlook: it declared that the system was not facing insolvency. Even if Congress fails to address the issue, Social Security would still be able to pay about 80% of payable benefits, which is a lot more than what The New York Times claims is looming ahead.

The Truth About Social Security Going Bankrupt

Social Security has a surplus of $2.9 trillion. This means that the system can pay all owed Old-Age and Survivors Insurance (OASI) benefits through 2035, and Disability Insurance (DI) benefits through 2052.

After that, OASI will be able to pay nearly 80% of what’s owed, while DI could pay 91%. That’s a far cry from “Social Security will be gone forever so retirees and disability claimants better have a plan B,” as the Times claims.

The Social Security Trust Fund has been built up over multiple decades, and it’s not going to just disappear. If Congress doesn’t take action, benefits could potentially be reduced — which is why the Social Security 2100 Act has been proposed. The Act aims to help ensure that Social Security benefits continue to be available to those who need them.

Social Security 2100 Act

Introduced by John B. Larson, Democratic U.S. Representative for Connecticut, in January 2019, the Social Security 2100 Act seeks to increase Social Security solvency over the next 75 years. It includes the following proposals:

  • Those who are currently receiving benefits will receive a raise equivalent to 2% of the average benefit.
  • The formula used to calculate yearly cost-of-living adjustments will be based on the Consumer Price Index for the Elderly.
  • Minimum benefits would be set at 25% above the poverty line.
  • The limit for non-Social Security income (before benefits start being taxed) would be $50,000 for individuals and $100,000 for couples. (The current thresholds are $25,000 and $32,000.)

How Could This Affect You?

To pay for these changes, payroll taxes will be raised on wages over $400,000. At present, wages up to $132,900 are taxed. Payroll contributions from workers and employers would gradually increase from 6.2% to 7.4% between 2020 and 2043. This increase will only cost the average American worker an estimated 50 cents more per week each year.

Coincidentally, the Social Security 2100 Act was introduced on January 30, which also happens to be the birthdate of President Franklin D. Roosevelt, who signed the Social Security Act of 1935 into law. He described the legislation as the cornerstone of a structure that is a work in progress, and for decades afterward, policymakers have carefully built on it. This new piece of legislation, if passed, can preserve the former President’s vision and ensure that all retirees or disability claimants continue to live with their dignity intact for decades to come.

Do You Need to Apply for SSD Benefits?

The Law Offices of James Scott Farrin has helped thousands of clients fight for the Social Security Disability benefits they need to meet their healthcare and living expenses.* Attorney Rick Fleming is a North Carolina Board-Certified Specialist in Social Security Disability law and a tireless advocate for injured and disabled North Carolinians. With a strong record of successful SSDI and SSI claims and appeals,* Rick and the SSD team are ready to help you. For a free initial case evaluation, please call 1-866-900-7078 today.

*Each case is unique and must be evaluated on its own merits. Prior results do not guarantee a similar outcome.

Overwhelmed by the Social Security Disability Process? We May be Able to Help

By Rick Fleming

When it comes to applying for Social Security Disability benefits, you have two options. You can apply yourself or you can apply with the help of a Social Security Disability lawyer.

More than two-thirds of those who file for Social Security Disability the first time are denied, according to the Social Security Administration. And 88% are denied a second time. That is just one (or two) good reasons to consider hiring an experienced Social Security Disability lawyer. We cannot light a fire under the government, but we can try to do everything possible to make sure your case is solid and keep it moving forward.

Here are more good reasons to consider a James Scott Farrin Social Security Disability lawyer to help you make a claim for benefits.

Inside Experience at Social Security Disability

The majority of the people who work in our Social Security Disability department used to work for the Social Security Administration where initial applications are accepted or denied.

We can tell you from firsthand experience, you cannot be over prepared when it c

omes to having your paperwork in order and when preparing for your interview.

Our inside experience is helpful in when it comes to navigating the system, including:

  • What the Social Security disability examiners look for to approve a claim
  • The importance of filing the correct forms, filling them out correctly, and meeting demanding and unwavering deadlines
  • What medical records you need to produce – and which ones not to produce

The paperwork alone can be overwhelming for one person, and your peace of mind is high on our priority list. Not only can we help you complete all the required forms correctly, process them on time, and in the manner in which Social Security Disability requires, but we can also follow up in a timely manner and try to keep the process moving forward. Moving forward is key. The current wait time for Social Security Disability hearings in North Carolina is between 19 and 21 months.

We can also help obtain your medical records so that if your case goes to hearing, we know we've tried to do everything possible to make sure your information will not be denied because of a technicality, for example.

We will make sure we ask you about all the personal and financial information the administration will want to know, like your living arrangements, income (including that of your spouse) and value of your assets and investments.

We will make sure you are kept up-to-date and contacted as necessary for added peace of mind.

We will be your advocate in every way possible. But there is one very important t

hing we cannot do for you, and so we ask each and every client to:

Keep your medical appointments.

We cannot tell you how many cases have been denied because people who say they are disabled do not keep their medical appointments. Without medical documentation of your disability, there is simply not enough medical evidence to support a disability claim.

With an experienced team by your side, you may be able to avoid the nuisance of meeting deadlines and constantly calling doctors and disability government offices. On top of trying to get the benefits you may need to survive, you are also recovering and rehabbing from an injury or illness. With our Social Security Disability team handling the paperwork and our paralegals and lawyers staying on top of the legal issues, you can focus on managing other areas of your life like trying to heal.

Attorney Fees – Capped by the U.S. Government

The federal government has capped the contingency fees of Social Security Disability lawyers to make legal assistance more affordable and within reach for those who are struggling financially and unable to work.

The contingency fee for Social Security Disability clients is limited to 25% of back-due benefits, or $6,000, whichever is less.

Get a FREE Case Evaluation From NC Social Security Disability Lawyers

Of all the attorneys licensed in NC, fewer than 1%* are Board Certified Specialists in Social Security Disability law. I am one of them. I also chair the N.C. State Bar's Social Security Disability Law Specialty Committee and I lead the committee charged with writing and grading examinations for attorneys who wish to specialize in Social Security Disability law. You could say I live, eat, breath, and sleep Social Security Disability law.

If you or your family have questions about the Social Security Disability process or if you are overwhelmed by the paperwork and the application process, contact us or call 1-866-900-7078. We will give you a free case evaluation and let you know if we can help you try to obtain the Social Security Disability benefits you potentially need.

*Percentage as of December 31, 2016. Figures provided by the N.C. State Bar as of December 31, 2016

Social Security Disability Attorney Rick Fleming Answers Client Concerns

As you might imagine, we get a lot of questions about the Social Security Disability process, who qualifies and why or why not. We sat down with Attorney Rick Fleming who leads our Social Security Disability department and is a NC Board Certified Specialist in Social Security Disability law. He offered some thoughtful answers to help dispel some common misconceptions.

Over the 15 years I have worked in Social Security Disability for the Law Offices of James Scott Farrin I have heard my share of false assumptions when it comes to applying for and being granted benefits through Social Security Disability. It helps when an applicant knows the right steps to the approval process.

Disability is a government-funded program that has strict guidelines. If there’s one thing I try to let our clients know, those working in Social Security Disability determination offices must be uncompromising. They have to be. They don’t work for the public, they work for the government. If your case doesn’t meet strict government guidelines, it won’t be approved.

How does the federal government define disability?

Social Security Disability Attorney Rick Fleming Answers Client Concerns

Disability, according to the government, is the unquestionable inability to perform work for at least 12 continuous months. It is important for clients understand that those 12 months must be ongoing or have already passed before someone applies. They also may qualify if it is highly likely that they will be expected to be unemployed for the next 12 months.

There must be a finding of a severe medical impairment.

The Social Security Disability Determination Services expects proof of impairment through medical records. Medical diagnosis and prognosis may be either physical or psychological and they are both covered under Social Security Disability. Clients are often concerned because they do not know what evidence they should use to prove they need Social Security Disability benefits.

Those suffering from disabilities are unable to participate in the kind of work they have done before, or any work in the national economy. When we ask clients if they have the ability to work in the national economy, it doesn’t just mean North Carolina, it means nationally, in all sectors of business in America. The reality is the job simply has to exist. It doesn’t necessarily have to be a job the applicant could actually get. The law wants to know if you have the ability to theoretically work if given the opportunity.

I get a lot of calls from prospective clients who are working and earning substantial wages yet wish to apply for disability benefits. Social Security Disability says that if you are able to work and earn a certain amount of money, then you are not disabled no matter what’s going on physically or psychologically.

Disability can be determined solely on annual income. In 2017, if you are able to earn $1,170 per month gross you are probably not disabled. Even with a physical or psychological impairment, working for that much money means you are likely not entitled to disability compensation.

Is there a difference in applying with an attorney vs. without one?

I would say yes.

It’s a complicated procedure that can be unclear to people because, let’s face it, we don’t grow up learning the Social Security Disability process. If someone has impairment, they may not comprehend all the things required in the application process or be in too much pain to even have the energy to put together a strong case.

They may miss items on the checklist and get something from Disability Determination Services (DDS) called a failure to cooperate denial. If an applicant receives one of these, they did not do all the things they were supposed to do in the application and may need to start over from scratch. That’s nothing to be ashamed of when you’re going through something of this magnitude, and you shouldn’t be penalized for it. This is can be an overwhelming situation to handle. A lot of times it helps to have someone else in your corner who’s making sure your i’s are dotted and t’s are crossed.

Our duty is to be a strong and knowledgeable advocate for you.

Do a client’s assets and resources have an impact on the outcome of the case?

There’s a complex answer there, but I’ll try to explain it simply.

There are two kinds of disability. Title II Disability, or regular Social Security Disability, is something you pay into through payroll taxes. When you look at your check you will see either a FICA or Old Age Survivor’s Disability Insurance (OASDI for short) deduction. Both the employer and the employee pay into this type of Social Security benefits.

If you have a Title II case, then what you own or have does not matter as long as you are applying for a benefit for which you’ve contributed throughout your working life. It’s like making a claim on your medical insurance or car insurance or homeowners insurance – you’ve paid the premium, and now you’re making a claim.

However, applicants under Title XVI (16) or SSI (Supplemental Security Income) are in a hardship or poverty program. This program is for people who have not worked enough or recently enough to qualify for Social Security Disability or Title II, and are poor enough to qualify due to a lack of assets or resources. Under Title XVI you cannot have more than $2000 in assets or other resources as a single citizen, and married couples must have less than $3000 in assets or other resources to qualify. As a side note for people married to a working spouse, you are reviewed with the income of your household. Assets of one spouse are legally deemed available to the other spouse. Married couples with two vehicles and anything worth more than $3000 exceed the asset quota, automatically receiving a technical denial.

We often get calls from parents or guardians who stay at home to take care of children or family members. If they’ve stayed at home long enough that they are no longer insured for Title II, their only option is SSI. If that is your situation, contact us at 1-866-900-7078 and have an experienced Social Security Disability attorney review your situation for free.

What determines the amount of money the client could potentially receive? Do disability benefits correlate to their last salary and benefit arrangement?

Social Security Disability benefits are based on work history. So if you are someone who made minimum wage, your benefit (if you qualify) will be lower than someone who earned six figures. Benefits also depend on how long you paid in to the system. Someone found disabled at age 26 after beginning to work at age 16 has only 10 years of contribution, whereas someone who has worked 30 to 45 years with high earnings is likely to have more money coming their way from Social Security Disability. That being said, Social Security benefits are modest and average only $15,329 a year for disabled workers.

When a client hires an attorney, does that speed up the claims process and potentially increase chances for approval?

It does not result in an automatic approval. Although, because we know what documentation and evidence to present and how to make sure it is completed properly and meet deadlines, it may potentially help get to an approval.

It may also hasten the process, in that we do everything we can to try to ensure nothing falls through the cracks. There should be open communication between the Social Security Administration, and the attorney representing the applicant or claimant. This networking and experience makes us confident in our ability to potentially win cases. We do our best to try to make sure things will not be forgotten, and therefore the process should go smoother and run more efficiently in most cases. Also, as an attorney I’m expected to frame the issues and use the correct kind of medical evidence that tries to build an unquestionable case of disability.

On our website readers can learn more about Social Security Disability wait times.

Do attorneys make the decisions regarding who is and is not disabled?

No. At the initial reconsideration level, the case goes to a place called Disability Determination Services and the case is assigned to a disability examiner, and either physical or psychological doctors, depending on the variables of the case. It’s that team at Disability Determination Services that makes the decision on the first and second level of appeals.

Each of our paralegals was a Disability Determination Services employee before joining our Social Security Department. They know very well what the agency is looking for and how to try to ensure your paperwork is properly submitted.

If the person is denied at both those levels, the case goes to the hearing level.

The hearing is where an administrative law judge (ALJ) holds a hearing that may include expert witnesses and is responsible for reviewing the applicant’s case and previous reasons for denial. After the hearing level, if the judge’s decision coincides with the lower determination and denies benefits, an applicant may seek to have their case sent to the appeals council where Administrative Appeals Judges (AAJs) make the determination. Here, it will again be decided if the case should be approved, denied, or remanded for a new hearing.

If you do not have success at this level, you can file a civil action in the United States District Court, where an Article III judge will make the decision. Afterward, those denied may apply to the circuit court, which for North Carolina residents is the Fourth Circuit Court of Appeals in Richmond, Virginia. If you’re not successful there, you can attempt an appeal to the U.S. Supreme Court in Washington, D.C.

When you are denied you, the applicant, or the attorney if you have one, have a duty to file an appeal within 60 days.

How long does each process take?

Wait times vary considerably depending on the level of your filing.

At the reconsideration level it’s going to be about six months for a decision.

At the hearing level it’s going to be about two years. At the district court level, it’s probably about one year, and the circuit court level it could be one to two years. The Supreme Court could have multiple factors determining the timing of decisions.

Some people are of the opinion that attorneys hold up cases to get more money. Is this true?

Of course not.

The truth is the Social Security Administration has too few employees and hundreds of thousands of cases to process. At present the backlog of cases awaiting a hearing before an ALJ is over one million. While our paralegals have a history of knowing how to work effectively in most situations, sometimes there’s nothing we can do, and these backlogs cause the process to take time.

What people don’t realize is that stalling the system doesn’t bring us or the client any more money because the government caps our fees.

In Social Security Disability cases fees are capped at 25% of back-due benefits or $6,000, whichever is less.

So if we did delay cases, we would actually be billing more hours than the fee cap provides. So if you’re talking about a case that lasts six months vs. 36 months, at some point we are losing money because we have more time and money in than we can possibly get out. Believe me, we would rather win sooner than later.

Since all employees are obligated to pay into the system, are they entitled to receive back taxes as disability benefits?

They will be entitled to retirement income in the form of Social Security, once they reach retirement age, but there is no entitlement to disability until you meet the strict requirements of disability under the Social Security Act. Think of it like health insurance or car insurance. Yes, you have paid for it, but they may deny it if your claim doesn’t meet the requirements.

Will applying for Social Security Disability assure payment?

No. Not one penny is received for disability until after you are seen as disabled under the law.

What are the keys you look for in a solid case, and what are the red flags.

Going back to some of the things we talked about before, there is a list I can use to initially screen an eligible candidate.

  1. Are you working? Have you had a break in employment already or do you have an impairment that is so severe, it is reasonable to assume you will be out of work for at least 12 continuous months?
  2. Does what you allege as a prospect, make sense medically? If you allege for example that you are blind, but you say you can drive to our office to meet with me to discuss the case, I’m going to know you cannot be found to be blind if you offered to drive to my office.
  3. Do you have medical evidence? Social Security Disability is grounded in medical evidence and you, the claimant, have the burden of proof – you must provide medical evidence to support your case. If you have never been to a doctor in your entire life, then there is no medical evidence to support your allegations of a severe medical impairment. No proof, no disability.

Do factors like a history of drug use or criminal charges factor into receiving Social Security Disability?

Yes.

This is a great question because it all depends on the perspective or reason for the disability claim.

If a client says, “I am disabled because I see and hear things,” and you see in their records they’ve tested positive for LSD then there is a problem. LSD causes one to see and hear things, thus drug use would be a factor to their disability and they could be barred from receiving any sort of benefits.

The flipside is if someone has a diagnosis of bipolar 1. Any psychiatrist is probably going to tell you that part of being bipolar is having some sort of a lack of impulse control, leading to some proclivity to drugs or alcohol use. So in that case it is different. It may be that it’s not the drug or alcohol causing them to be bipolar. Rather, substance abuse is a symptom of the bipolar disorder. One does not cause the other; this is to say that if the person stopped using drugs or alcohol they would not stop being bipolar.

Now criminal behavior is simple. If the injury was caused while in the process of a crime, they cannot receive any benefits. Let’s say, for example, during the course of a bank robbery the bank robber fell and broke both legs and tore the ACL in each knee. In this case the bank robber cannot claim disability for these impairments because it happened during the commission of a felony.

However, if their disabling impairment has nothing to do with the commission of a crime then they could potentially receive Social Security Disability benefits.

What is the cut-off age for receiving Social Security Disability?

In this case it is important to remember the right to disability ends at full retirement age, which you can find by clicking here.

For most of the population right now this means after 66+ years, the only benefit you can receive is retirement and not disability. If someone is working up until 70 and wishes to file for disability they can’t.

If a client dies from terminal illness, can their family assume the pending claim?

What we can do is file a special claim for the ill client. A claim marked TERI (terminal) which expedites the case to receive a quick decision. Assuming the case is approved, the disabled person would collect benefits until they passed. Then benefits would end. But if this client is a parent of minors, their children would be considered survivors of the deceased. This scenario brings Old Age Survivors Insurance in to play. When the client passes, their children are to receive benefits as a survivor under their parent’s social security number until their 18th birthday.

Another scenario is when a person dies while their case is pending. In some situations we can substitute in a proper party (a surviving spouse, parent, or child) and allow the case to proceed to a decision. Any benefit won would be for the time period prior to the death of the deceased claimant.

What would you say to those who say, “I know I’ll get some sort of compensation because my friend or relative got it for the same situation”?

We hear that a lot and it’s often that these people don’t know the specifics of their friend’s case. If for example the person has a low IQ, or met a certain listing, or if there is some fact that they don’t know about their neighbor, then they are comparing apples and oranges.

Are there any patterns you see in people who get accepted or denied?

No.  Just that they meet the requirements of the statute. The most important thing is to have consistent medical evidence and support of doctors.

For people who have to take medicine for diabetes, thyroid, or other illness, is there a way they could be declared disabled?

No. Taking a lot of expensive medications is only part of the analysis. In and of itself it is not conclusive evidence of disability.  When people say their condition has caused their doctor to restrict them from driving, does this mean they are disabled.

No. You can take public transportation, catch a ride with a friend, or call Uber. Whether you can drive or not is irrelevant. As long as there is a job that exists that you could reasonably do you are not disabled Under the Social Security Act.

If people are working to put food on the table, but they feel like they are disabled, are they?

Not according to the government. People who think they should receive disability because they are only working to pay rent or to feed themselves or family are missing the point of disability.

It doesn’t matter why you are working, it only matters that you are working.

That’s where the analysis stops for a perspective client. The government does not care why you are working. This is probably the most common conversation we have, and it is sad. We understand these situations – we see them all the time. Essentially, the analysis ends there and they cannot apply. Click here for information on working and applying for Social Security Disability benefits.

Before people contact us about a case what should they think about first?

I would tell them to ask themselves if they meet the conditions under the definition of disability.

If you can drag yourself to work two more days, six more months, five more years, or as long as you can, do it! You’ll probably get more money working than you will from Social Security Disability. The benefits are modest at best.

Do you have documented proof of your condition? You need to have strong medical proof (documentation) of your disability and meet the guidelines set forth by the Social Security Administration. If you can provide evidence that you fall under the legal definition, you should expect proper compensation, and you have the right to!

What should people do if they want a case evaluation?

If you've become disabled, don't be afraid to file for Social Security Disability benefits. It's your right. Just as importantly, don't think you will necessarily receive these benefits without a strong case that is backed with thorough medical evidence.

We offer FREE case evaluations and we are available 24/7. Our experienced lawyers and paralegals respond to the call of many clients statewide that have trouble dealing with their disability. Click here to contact us or call 1-866-900-7078 for a free evaluation of your Social Security Disability case.

P.S. Don't feel like you can't afford to hire Social Security Disability attorney. At the Law Offices of James Scott Farrin, we work on a contingency basis, so you don't owe us an attorney's fee if we don't get you compensation for your claim.

Click here for other frequently asked questions.

I’ve worked all my life. Why aren’t I eligible for Social Security Disability Benefits?

Not everyone is eligible for Social Security Disability Insurance (SSDI) benefits. Only those who have worked and paid FICA taxes within five of the past 10 years and meet the government’s disability requirements.

Here is a simplified explanation of what you need to know if you’re thinking of applying for Social Security Disability benefits.

SSDI is Insurance for Disabled Workers

Social Security Disability Insurance is just what its name implies. Insurance.

When you work, a portion of each paycheck goes into a federal insurance fund (FICA, which stands for Federal Insurance Contributions Act). This is a fund for SSDI. Just like medical insurance or car insurance, you hope you never have to use your SSDI. But if you’ve paid into it (which you are required to if you receive a paycheck) you will be covered for benefits if you become disabled and the Social Security Administration determines that you are unable to work.

Spotty Work History?

What if you were working but you stopped temporarily to raise your children through elementary school? Or what if you were laid off and subsequently unable to find a suitable job for several years? What if you’ve been out of work due to a work injury?

Whether you may get SSDI depends largely on the date you last worked.

The government considers this very important date as the last date you would potentially be eligible for SSDI. To determine whether you may be eligible you must pass a "recent work" test. There is only one question on this test, so you either pass or fail.

Have you worked five of the past 10 years (or in government jargon, 20 of the last 40 quarters?

If you become disabled after your date last insured (DLI) has passed, you cannot get SSDI benefits. It would be similar to getting in a car accident after you stopped paying for car insurance.

Here is an example of DLI. If you worked up until five years ago today, your DLI would be today’s date. If you worked up until two years ago, your DLI would be three years from now. If you haven't worked for six years, your DLI passed one year ago and you are no longer eligible for SSDI unless you are found disabled before your DLI.

Show Me the Money

Occasionally we have seen instances in which someone assumed they were not eligible for SSDI. Yet upon closer inspection and reviewing their work and payment history, we discovered that a client’s employer failed to pay the employer and employee taxes and sought to correct the error. (Of course, payment is subject to IRS provisions on the ability to amend tax returns or file late.) While this doesn’t happen often, it serves as a reminder of how we have been able to help people uncover benefits they did not know were available to them*.

What if You Do Not Qualify for SSDI?

If you do not qualify for SSDI, you may be eligible for Supplemental Security Income or SSI benefits, provided you meet the extremely low income and asset requirements threshold.

SSI is for people who have never worked or haven't worked enough to qualify for SSDI. You can only get SSI if your income and assets are extremely low.

For 2017, the federal benefit rate is $735 per month for individuals and $1,103 for couples (and this is subject to reductions). Some states supplement the federal amount. North Carolina is not one of them.

Think You Can’t Afford a Social Security Disability Lawyer?

Think again. Uncle Sam limits the contingency fees for all Social Security Disability lawyers to 25% of back-due benefits or $6,000, whichever is less.

Get a FREE Case Evaluation From N.C. Social Security Disability Lawyers

We know applying for Social Security Disability can be a confusing and lengthy process. (It can take nearly two years in N.C. just to get a judge to hear your case – 23 months in Charlotte, 22 in Greensboro, 20 months in Fayetteville, and 19 in Raleigh.)

We understand from firsthand experience what you are up against.

Nearly every person on our Social Security Disability team has worked inside the Social Security Administration.

We know how the system works, what they look for to accept a claim, the importance of filing the correct forms and meeting strict deadlines, and what medical records to present. And sometimes we know where to look for benefits you may not be aware of.

If you are considering applying for Social Security Disability, contact us as soon as possible or call 1-866-900-7078 for a free case evaluation about your unique situation. We’re available 24/7.

*Each case is unique and must be evaluated on its own merits. Prior results do not guarantee a similar outcome.

Will I Be Denied Social Security Disability Benefits if I Work 1 Day a Week?

The government has a methodical five-step evaluation process to determine if you are eligible for Social Security Disability benefits. Social Security examiners must follow those five steps in sequential order every time someone walks in their office to find out if they qualify for benefits.

There’s no wiggle room.

We know from firsthand experience. Nearly everyone on our Social Security Disability team previously worked for the Social Security Administration. You must be able to proceed through the first three steps or all five steps in order to be found disabled.

However, if you fail the first step the inquiry ends altogether.

Step 1. Are You Working?

The first step is the one that trips up many people. It is at this step that the inquiry can end abruptly. Here is how this works.

Step 1 asks about your current work status. What many clients do not realize is the weight and importance the government gives to whether or not you are working. It is very telling that your work status is the first question rather than what disability or disabilities you claim to have.

Here is what the Social Security Administration says about work status as it relates to potential benefits:

“At the first step, we consider your work activity, if any. If you are doing substantial gainful activity, we will find that you are not disabled.”

What is Substantial Gainful Activity?

As you might imagine, the government has a very specific definition as to what substantial and gainful activity means with regard to your potential to receive disability benefits.

Substantial refers to anything you are doing physically or mentally, and can even include part time work or volunteer work.

Gainful is something you get paid to do. But even if you don’t get paid (such as volunteering or helping a friend or family member with their startup business by taping boxes to ship) the Social Security Administration may conclude your activity is gainful if other people usually get paid to do it.

In 2017, substantial gainful activity is defined as earning $1,170 or more monthly ($1,950 for those who are blind).

Someone Has to Put Food on the Table”

We will sometimes have clients come to us and say they are working only because it is necessary in order to put food on the table for their family. They explain to us how difficult it is for them because of XYZ disability and they are barely getting by. We understand and we empathize. But the government reasons, if you are able to put food on the table today, you can do it tomorrow and the next day. The Social Security Disability Benefits document makes this very clear:

“Social Security pays benefits to people who can’t work because they have a medical condition that’s expected to last at least one year or result in death. While some programs give money to people with partial disability or short-term disability, Social Security does not.”

FREE Social Security Disability Case Evaluation

When you are completely unable to work to put food on the table is when you should come see us. Unfortunately, the government ties the hands of all Social Security Disability lawyers unless you say you are not working during Step 1 questioning.

Everyone’s situation is unique and we have helped hundreds in their time of need. If you’d like a FREE case evaluation, contact us or call 1-866-900-7078. We would love to try to help in any way we can.

Contact Information

Asheville Law Office

300 Ridgefield Court Suite 309
Asheville, NC 28806
Phone: 828-552-8215
Toll Free: 1-866-900-7078

Charlotte Law Office

301 S McDowell St, Suite 900
Charlotte, NC 28204
Phone: 704-599-1078
Toll Free: 1-866-900-7078

Durham Law Office

280 South Mangum Street, Suite 400
Durham, NC 27701
Phone: 919-688-4991
Fax: 800-716-7881

Fayetteville Law Office

2915 Raeford Road, Suite 204
Fayetteville, NC 28303
Phone: 910-488-0611
Toll Free: 1-866-900-7078

Goldsboro Law Office

1308 Wayne Memorial Drive, Suite B
Goldsboro, NC 27534
Phone: 919-731-2581
Toll Free: 1-866-900-7078

Greensboro Law Office

300 N. Greene Street, Suite 850
Greensboro, North Carolina 27401
Phone: 336-665-7072
Toll Free: 1-866-900-7078

Greenville Law Office

702 Cromwell Dr. Suite G
Greenville, NC 27858
Phone: 252-355-5205
Toll Free: 1-866-780-3227

Henderson Law Office

514 Dabney Drive, Suite 200
Henderson, NC 27536
Phone: 252-492-4600
Toll Free: 1-866-900-7078

Morganton Law Office

216 N. Sterling Street, Suite B
Morganton, NC 28655
Phone: 828-219-3080
Toll Free: 1-844-520-2894

New Bern Law Office

1505 South Glenburnie Rd, Unit P
New Bern, NC 28562
Phone: 252-634-9010
Toll Free: 1-866-780-3422

Raleigh Law Office

4325 Lake Boone Trail, Suite 100
Raleigh, NC 27607
Phone: 919-834-1184
Toll Free: 1-866-900-7078

Roanoke Rapids Law Office

709 Julian R. Allsbrook Highway
Roanoke Rapids, NC 27870
Phone: 252-537-9670
Toll Free: 1-866-900-7078

Rocky Mount Law Office

144 Woodridge Court
Rocky Mount, NC 27804
Phone: 252-937-4730
Toll Free: 1-866-900-7078

Sanford Law Office

703-B South Horner Boulevard
Sanford, NC 27330
Phone: 919-775-1564
Toll Free: 1-866-900-7078

Wilson Law Office

2315 Airport Blvd Suite A
Wilson, North Carolina 27896
Phone: 252-246-9090
Toll Free: 1-866-900-7078

Winston-Salem Law Office

301 N. Main Street, Suite 2409-C
Winston-Salem, NC 27101
Toll Free: 1-866-900-7078