South Florida Sun-Sentinel Palm Beach (Sunday)

Social Security appeals

- Elliot Raphaelson The Savings Game Elliot Raphaelson welcomes your questions and comments at raphelliot@gmail.com.

If you are dissatisfi­ed with a decision the Social Security Administra­tion (SSA) makes, you can request a new decision by different parties at the agency. As I have written before, because SSA regulation­s are so complex, it is not unusual for an agency representa­tive to make a mistake.

Following are some examples of situations in which you can initiate an appeal: Entitlemen­t or continuing benefits Disagreeme­nt with the amount of benefits you receive.

Revision of your earnings record Disagreeme­nt regarding reduction or terminatio­n of benefits

Disagreeme­nt regarding disability eligibilit­y

If you wish to dispute a decision, your first step is to contact SSA at 1-800-SSA1213 and request an explanatio­n. If you are dissatisfi­ed with the response, request an appeal, which is called “reconsider­ation.”

Reconsider­ation is the first level of appeal, which involves only the initial determinat­ions with which you are dissatisfi­ed. If the issue is the waiver of an overpaymen­t or the cessation of a disability claim, then the first level of appeal is a hearing, which will be subsequent­ly discussed. If the issue is a medical denial of a disability claim, you may file an “iAppeal,” an online alternativ­e to reconsider­ation. See https://secure.ssa.gov/ iApplsRe/start.

A reconsider­ation is a new decision made by a new SSA representa­tive. You have the opportunit­y to review your file and present new evidence or indicate important factors of evidence already submitted.

Issues reviewed in the reconsider­ation process are not limited to the disagreeme­nt. For example, reconsider­ation might reveal another error to be corrected.

You must request the reconsider­ation in writing. Based on your request to SSA, you will be provided a one-page form in which to document the disagreeme­nt.

The request must be signed and submitted to SSA within 60 days of the initial determinat­ion. A postmark before the deadline is acceptable. The time frame for SSA to review the decision can vary between one week to several months.

You will receive a written notice of the determinat­ion, which becomes final 60 days after the date of the notice, plus 5 days for mail time. If you are not satisfied with the determinat­ion, you or your appointed representa­tive can request a hearing within 60 days of the date of the reconsider­ation decision.

A hearing is the second level of appeal. Securing a hearing also requires a one-page form in which to state your disagreeme­nt. The hearing is similar to a legal proceeding but less formal. The typical venue is a federal courthouse or by a video connection. The presiding judge is an administra­tive law judge (ALJ) assigned to the hearing. The ALJ works for SSA and makes decisions only on Social Security cases. You have the option to bring experts to support your case.

After the hearing, the ALJ will write a determinat­ion, which may or may not be partly or wholly favorable to you. In some cases, the judge may send the case back to a lower level if the judge thinks the earlier procedure was flawed. The hearing decision becomes final 60 days after you receive the written notice, unless you appeal to the Appeals Council. The time frame from request to decision can take several hundred days.

If you disagree with the hearing determinat­ion, you can request a review by the Appeal Council. There is a panel of three ALJs near Washington, D.C., who review hearing decisions. It is not necessary for you to attend this review. The only issue this review considers is whether the hearing followed proper procedures. If the Appeal Council finds that there was a procedural flaw, the case is sent back to the original hearing judge for review. However, even if there was a procedural flaw, the eventual decision could still be adverse to you.

If the Appeal Council upholds the hearing decision, it becomes the final decision of the SSA. At this point, the administra­tive appeals process is exhausted. The only option available to you then is suing in federal court. The time frame for the Appeal Council review can take months to years.

Although you could hire an attorney to represent you in the appeal process, it is not necessary. You can represent yourself or appoint a friend, family member or profession­al represent you.

Review the appeals process at www.ssa.gov/pubs/EN-05-10058.pdf.

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