Those who apply for SSDI insurance in Milwaukee, Wisconsin, should arm themselves with patience. Not only is the application review process lengthy, but two-thirds of the claims receive a negative response from the Disability Determination Bureau. To ensure the Bureau approves their claim and they receive the response faster, many applicants choose to work with an SSDI insurance lawyer.
Due to their experience and extensive knowledge of Wisconsin rules and regulations, attorneys can help applicants make sure they qualify for disability benefits and gather all the necessary documents to prove that:
- They suffer from a medically determinable physical or mental impairment covered by SSDI.
2. Their impairment is so severe that it affects their ability to work and earn their living.
- They have been diagnosed with the respective condition or impairment for at least one year.
Here is a list of impairments that benefit from SSDI insurance coverage.
Conditions Benefiting from SSDI Coverage in Milwaukee WI
The authority establishing the conditions that qualify for SSDI is the Social Security Administration. They have put together a “Listing of Medical Impairments” which covers the following:
- Musculoskeletal impairments (back conditions and several other bones and joints dysfunctions)
- Speech and sensorial impairments (loss of hearing and/or vision)
- Respiratory conditions (cystic fibrosis, asthma)
- Cardiovascular disease (coronary artery disease, chronic heart failure)
- Gastrointestinal conditions (liver disease, digestive tract issues, inflammatory bowel disease)
- Neurological conditions (cerebral palsy, epilepsy, Parkinson’s disease, multiple sclerosis)
- Blood diseases (hemophilia, cell disease)
- Mental disorders (autism, schizophrenia, intellectual disability, anxiety, depression)
- Immune system disorders, such as HIV/AIDS, lupus, rheumatoid arthritis, and kidney disease
The conditions are basically the same for children and adults, the only difference being that children under 18 years of age also benefit from SSDI coverage for growth impairment. It is important to note that the list is not exclusive.
Other Impairments Eligible for SSDI Insurance in Milwaukee, WI
Those suffering from a condition or impairment not included on the SSA list may still benefit from SSDI insurance under certain terms. The most important condition is that the impairment be diagnosable through clinical and laboratory testing and evaluations. The applicant will have to prove they have the respective impairment with medical reports.
Then, the condition should limit the applicant’s residual functional capacity. In order to determine the residual functional capacity, doctors assess the most demanding activities patients can perform despite their condition.
The residual functioning capacity then serves as a starting point for the claim examiners to determine the applicant’s exertional level. This level can range from sedentary to heavy work and basically measures how much weight the applicant may lift and carry.
The residual functioning capacity also covers non-exertional limitations, like the patient’s ability to use their hands, bend down, climb, cope with depression, anxiety, or various environmental restrictions.
In order to evaluate an SSDI insurance claim, disability claims examiners look at the applicant’s medical reports, history, and residual functional capacity with the purpose to determine whether the applicant can support themselves and live a life close to normal on their own, or they need disability benefits.
In order to prove their impairment and support their SSDI claim, applicants should provide all of the following medical evidence available to them:
- Physician’s examination
- Treatment reports or notes
- MRI results
- CAT scan report
- Blood test results
- Mental health records
The evidence they include should be the most recent and cover the time interval from diagnosis to date. The approval of the claim will depend on whether the medical records manage to prove that the condition the applicant suffers from is so severe that it prevents them from performing standard, common work-related duties.
How an SSDI Insurance Lawyer in Milwaukee, WI Can Help
Since the SSDI claims approval process is quite lengthy, and the Disability Determination Bureau rejects many applications, it is in the applicants’ best interest to file thoroughly supported claims. Any missing document or information can delay the approval process or, worse, lead to a claim denial.
Hiring a Milwaukee SSDI insurance attorney is the best solution for applicants to make sure their claim is complete and to increase their approval chances. Those whose claims have already received a negative response can turn to a lawyer as well, and appeal the Bureau’s decision. Both applicant categories will save time and effort and gain peace of mind by working with an experienced lawyer.
Contact Tabak Law LLC Now, and Have an Experienced SSDI Insurance Lawyer Review Your Claim!
Would you like to find out if your impairment benefits from SSDI coverage and what your chances of approval your claim has? Call 844-432-0114 or fill in the contact form to schedule a FREE consultation with a Tabak Law SSDI insurance lawyer in Milwaukee and receive answers to all your questions! We have been helping Wisconsin residents receive SSDI benefits for years, and we will gladly help you too.