Being self-employed offers independence, but it can also bring challenges, especially when a serious illness or injury stops you from working. Many self-employed workers are surprised to learn that they may qualify for Social Security Disability Insurance (SSDI) if they’ve paid into the system and meet the required conditions.
Here’s how SSDI works for self-employed individuals, what makes someone eligible, and what steps they need to take to apply.
Self-employed workers, including freelancers, contractors, and small business owners, can qualify for SSDI if they have a work history that includes paying Social Security taxes. These taxes are paid through self-employment tax, which includes both the employee and employer portions of Social Security contributions. If you report your income and pay taxes consistently, you may have earned enough credits to qualify for benefits.
To qualify for SSDI, applicants need to earn enough work credits based on their age and work history. In most cases, this means having worked and paid Social Security taxes for at least five out of the last ten years. Each year, a person can earn up to four credits depending on their income. The total number of credits needed depends on your age when you became disabled.
SSDI benefits are only given to those who are unable to perform “substantial gainful activity” (SGA). In 2025, SGA is defined as earning more than $1,550 per month for non-blind individuals. Self-employed workers are evaluated not just on income but also on the type of work done, time spent working, and whether the business earns income even if the person is not actively involved.
SSA uses three tests to judge self-employment cases: the Significant Services and Substantial Income test, the Comparability test, and the Worth of Work test. These tests look at how involved the person is in their business and how much their work contributes to the income of that business.
Keeping detailed records is very important in self-employment disability claims. Applicants should be ready to show past tax returns, profit and loss statements, and any business expenses. These records help show your past income and how your health condition has affected your ability to work. In addition, accurate medical records are necessary to prove the severity and expected duration of the condition.
SSDI claims from self-employed individuals can take longer to review because the SSA must evaluate both medical and business details. Applicants should expect a more detailed look at their work activity. Providing clear and honest documentation from the start can help avoid delays.
Navigating SSDI as a self-employed person can be confusing. Many people find it helpful to work with an attorney who understands Social Security rules and knows how to present a strong claim. An experienced attorney can guide you through the forms, deadlines, and medical evidence needed to support your case.
If you’re self-employed and unable to work due to a serious health condition, you don’t have to face the Social Security Disability process alone. At Regas & Haag, Ltd., we’ve helped many individuals in Ohio—just like you—secure the benefits they’ve earned. Contact us today for a free consultation and let us guide you every step of the way.
Getting approved for Social Security Disability (SSD) benefits depends on more than just your medical condition. Age plays a major role in how the Social Security Administration (SSA) evaluates your claim. Many people are surprised to learn that the older you are, the easier it may be to qualify, especially if you are over 50 and have a limited work background.
Here’s how the SSA considers age when deciding disability claims, what rules apply to different age groups, and why your work history also matters. Understanding these age-related guidelines can help you prepare a stronger case and avoid delays.
The SSA divides applicants into specific age groups when deciding disability claims. These groups include younger individuals (18–49), those approaching advanced age (50–54), those of advanced age (55–59), and those approaching retirement age (60 and older). Each group is judged differently, especially when it comes to your ability to switch to a different type of work.
If you’re under 50, the SSA usually expects you to adjust to other types of jobs, even if you can’t do your old one. But as you move into older age groups, the rules become more favorable, especially if you have limited education or work experience in physically demanding jobs.
The SSA uses something called the “Medical-Vocational Guidelines,” or grid rules, to help decide disability cases. These rules combine your age, education, work history, and physical ability. For those over 50, the grid rules often lean more in favor of approval if other factors, like limited job skills or a history of physical labor, are also present.
For example, if you are 55 or older and have done physical work your whole life, the SSA is less likely to expect you to start a new desk job. If you are in the younger age group, they may assume you can learn a new job, even with a disability.
Age alone does not qualify someone for SSD benefits. Your work history and job skills also matter. Older individuals who have done the same type of physical job for many years are viewed differently than younger workers with a mix of experience.
If you have a limited education and spent most of your career in physically demanding roles, your chances may improve as you age. That’s because it becomes harder to switch to new types of jobs that require new training or skills.
Age can also affect how your medical condition is viewed. An older person with a chronic illness or injury may be more likely to be found disabled than a younger person with the same diagnosis. This applies to both physical and mental health conditions, especially when those conditions reduce the ability to work full-time.
Understanding how your age fits into the SSA’s rules can make a big difference in your claim. If you’re over 50 and applying for SSD benefits, it may be helpful to speak with a disability attorney who knows how to present your case clearly under the grid rules.
Getting the right legal support can help you avoid common mistakes and increase the chances of receiving the benefits you need.
Need help navigating your Social Security Disability claim? At Regas & Haag, Ltd., we have decades of experience representing individuals just like you across Canton, OH. Whether you’re applying for the first time or appealing a denial, our team is ready to guide you every step of the way. Call us at (330) 649-9102 to schedule your free consultation today.
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Applying for Social Security Disability (SSD) benefits can be long and challenging. Many people face denial on their first try. When this happens, it can feel frustrating and confusing. However, a denial does not mean the end of your claim. There are ways to build a stronger case and increase your chances of approval on appeal.
Here are some key ways to improve your SSD claim after denial.
The Social Security Administration (SSA) sends a letter explaining why your claim was denied. This notice is very important. It lists the exact reasons your claim did not meet their rules. Common reasons include lack of medical evidence, insufficient proof of how your condition limits work, or missed deadlines.
Carefully reading this letter helps you focus on the gaps in your application. It guides you on what to fix or add when you appeal. Ignoring these details can hurt your chances later.
One of the most common reasons for denial is not having enough medical proof. The SSA needs clear documentation that shows your disability limits your ability to work.
Getting updated records from your doctor or specialist is key. Make sure these records show your diagnosis, treatment history, and how your condition affects your daily activities. Detailed notes from healthcare providers about your symptoms, test results, and restrictions carry weight.
Doctors’ notes often focus on diagnoses and treatments. Adding detailed descriptions about how your disability limits your physical or mental tasks makes your claim stronger.
Write your statement and describe your symptoms, the activities you cannot do, and how your condition changes. Be honest and clear. This personal input shows how your disability truly affects your life.
Missing deadlines is a common reason claims fail on appeal. The SSD appeal process has strict time limits for submitting forms and evidence. Keep track of all deadlines, including the 60-day limit to request a reconsideration or hearing. File appeals as soon as possible to avoid losing your right to challenge the denial.
Make sure you fill out all paperwork correctly and include all required documents. Mistakes or missing forms can cause delays or new denials.
If your claim reaches a hearing before an administrative law judge, preparation is key. The judge will ask questions about your medical condition, daily activities, and work history.
Practice answering questions honestly and calmly. Bring all your medical records and any other evidence that supports your case. You can also bring someone who knows your situation well, such as a family member or caregiver, to testify. Being organized and clear during the hearing helps the judge understand how your disability affects your life.
The SSD claim process can take months or even years. It’s important not to give up after a denial. Many people get approved after appealing one or more times. Use each step as a chance to learn more about what evidence the SSA needs. Stay in contact with your doctor and lawyer, and respond quickly to any SSA requests.
If your claim was denied, don’t delay taking the next step. At Regas & Haag, Ltd., we will carefully review your case, help you collect strong evidence, and guide you through every stage of the appeal. You deserve to receive the benefits you have earned. Reach out today and get the support that can make a real difference in your claim.
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Seasonal employment plays a crucial role in various industries, from retail and hospitality to agriculture and tourism. However, temporary workers often face uncertainty regarding their rights and benefits, particularly when it comes to workers’ compensation and disability coverage. Understanding these protections is essential for both employers and employees to ensure compliance with labor laws and financial security in case of workplace injuries.
Workers’ compensation is a form of insurance that provides medical benefits and wage replacement to employees who suffer work-related injuries or illnesses. Seasonal workers are typically entitled to these benefits, but coverage may vary depending on state regulations and employer policies.
In most states, workers’ compensation laws apply to all employees, including seasonal and part-time workers. Employers are generally required to provide coverage if they meet the state’s minimum employee threshold, which varies by jurisdiction. However, independent contractors, gig workers, and certain agricultural employees may be exempt from coverage depending on classification laws. Seasonal workers should verify their employment classification and confirm their eligibility for benefits.
When a seasonal employee sustains a work-related injury, they should report the incident to their employer immediately. Timely reporting ensures that the claim process begins without delay. Employers are responsible for filing a claim with their workers’ compensation insurer and providing necessary medical assistance.
The benefits available under workers’ compensation may include coverage for medical expenses, temporary disability payments, and vocational rehabilitation if the employee is unable to return to work. Employees should keep detailed records of medical treatments and employer communications to support their claims.
Disability insurance provides financial assistance to employees who cannot work due to non-job-related illnesses or injuries. The availability of disability benefits for seasonal employees depends on employer-sponsored programs and state disability insurance requirements.
Employers may offer short-term disability (STD) or long-term disability (LTD) benefits, but these are generally not mandatory. Some states, such as California, New York, New Jersey, Rhode Island, and Hawaii, require employers to provide state-funded disability insurance for eligible workers. Seasonal employees must verify their eligibility for these benefits based on their work history and contribution to state disability insurance programs.
Employees seeking disability benefits must provide medical documentation proving their inability to work. Applications for state disability benefits typically require a history of earnings and contributions to the insurance system. Private disability insurance policies may impose waiting periods or require continuous employment for coverage. Seasonal employees should review their employer’s benefits package and state requirements to determine their options.
Employers must ensure compliance with federal and state laws regarding seasonal workers’ benefits. Failure to provide required coverage can result in legal penalties and financial liabilities.
Employers should verify state-specific workers’ compensation and disability insurance obligations to ensure compliance. Clearly communicating coverage details to seasonal hires is essential to avoid misunderstandings. Maintaining accurate records of employment duration, wages, and workplace incidents facilitates the claims process. Offering training and implementing workplace safety measures can help minimize injury risks and reduce the frequency of claims.
Navigating workers’ compensation and disability benefits for seasonal employees can be complex. At Regas & Haag, Ltd., we specialize in employment law, helping businesses and workers understand their rights and obligations. Whether you need assistance with compliance, claims, or disputes, our experienced attorneys are here to guide you. Contact ustoday to ensure you are fully protected under the law.
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Navigating the Social Security Disability (SSD) system can feel overwhelming, especially with all the misinformation floating around. Many people believe they won’t qualify, that applications are always denied, or that only permanent disabilities count. These misconceptions can discourage you from seeking the benefits you deserve.
Let’s clear up some of the most common myths about SSD benefits.
Many people believe you must be completely bedridden or have a terminal illness to qualify for SSD. That’s just not true. The Social Security Administration (SSA) defines disability as the inability to engage in any substantial gainful activity (SGA) due to a medically determinable physical or mental impairment that is expected to result in death or has lasted or is expected to last for a continuous period of at least 12 months.
While severe impairments certainly qualify, many individuals with less visible conditions, like chronic pain, depression, or autoimmune diseases, can also be eligible. It’s about how your condition impacts your ability to work, not just the diagnosis itself.
While some first-time applicants can get denied, this doesn’t mean approval is impossible. Many denials happen due to incomplete applications, missing medical records, or lack of clear evidence. A well-prepared application, along with legal guidance, can significantly increase your chances of approval.
Even when the application is denied, you have the right to appeal. Many applicants win benefits at the reconsideration or hearing stage.
Receiving both SSD and workers’ compensation can affect your overall benefits, but it doesn’t necessarily mean they’ll be drastically reduced. The SSA has specific rules for offsetting benefits, and the impact depends on the amount of your workers’ compensation payments.
Understanding these rules is crucial. A skilled attorney can help you navigate these complexities and ensure you receive the maximum benefits you’re entitled to.
Relying solely on family members to handle your SSD claim can be risky. The process is complex and requires a deep understanding of SSA regulations and procedures.
A lawyer specializing in SSD has the expertise to gather the necessary medical evidence, navigate the appeals process, and represent you effectively at hearings. This can make a substantial difference in the outcome of your case.
Many people hesitate to hire a lawyer because they’re worried about the cost. But here’s the good news: SSD lawyers typically work on a contingency fee basis. This means you don’t pay anything upfront. They only get paid if you win your case, and their fee is a percentage of your back benefits, which is regulated by the SSA.
Think of it as an investment in your future. Having a knowledgeable attorney on your side can significantly increase your chances of approval and ensure you receive the maximum benefits you deserve.
Understanding the truth about SSD benefits is essential for accessing the support you need. Don’t let misconceptions prevent you from seeking help. At Regas & Haag, Ltd., we’re committed to providing accurate information and compassionate legal representation to individuals seeking SSD benefits. Contact us today for a consultation!
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Getting hurt on the job is stressful enough. But once you start dealing with paperwork, insurance companies, and doctor visits, things can get even more overwhelming. One big question many injured workers have is whether or not they can pick their doctor for a workers’ compensation case. The answer depends on where you live and the rules in your state.
If you’re in Ohio, there are some specific guidelines you need to know.
Ohio has a state-run workers’ compensation system, which means the rules are set by the Ohio Bureau of Workers’ Compensation (BWC). Unlike some states where private insurance companies handle claims, Ohio’s system follows its own process. This includes deciding who you can see for treatment after a workplace injury.
The short answer is yes, but there are certain conditions. In Ohio, you can pick your own doctor, but they must be BWC-certified to treat workers’ compensation cases. This means they have to be on the approved list of providers that work within the state’s system.
If you already have a primary care physician, they may not be BWC-certified. In that case, you’ll need to find another doctor who is. You can search for certified providers through the BWC’s website, or your employer may have a list of recommended doctors.
Some companies try to direct injured workers to a specific doctor or clinic. While you may have to see their doctor for an initial evaluation, you do not have to continue treatment with them. If you’re not comfortable with their choice, you have the right to switch to a BWC-certified doctor of your choosing.
That said, some employers might pressure workers to stick with a company-approved doctor. If this happens, don’t be afraid to stand your ground. Your health is the priority, and you deserve treatment from someone you trust.
Picking the right doctor is more than just a personal preference—it can affect the outcome of your workers’ compensation claim. A doctor who understands workplace injuries and how the system works can properly document your condition, making it easier to get the benefits you need.
On the other hand, if you see a doctor who downplays your injury or rushes you back to work too soon, it could hurt your case. This is why choosing an experienced and BWC-certified physician is so important.
If you start treatment with one doctor and later decide they’re not the right fit, you can switch. However, you’ll need to follow the proper steps. The BWC requires you to submit a Request to Change Provider form, and the new doctor must also be BWC-certified. While this adds an extra step, it’s worth it if you feel like you’re not getting the right care.
Need help navigating your workers’ compensation claim? At Regas & Haag, we’ve helped many injured workers get the benefits they deserve. Call us today for a free consultation, and let’s talk about your case.
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If you’re applying for Social Security Disability Insurance (SSDI), you may wonder how long it will take to receive your benefits. The process can take time, but knowing what to expect can help you prepare for the journey. Here’s a breakdown of what to expect when applying for SSDI.
When you first apply for SSDI, the Social Security Administration (SSA) will review your application. This includes checking your work history and confirming your medical condition meets the SSA’s definition of disability.
On average, the initial review can take about three to five months. During this time, SSA looks at your medical records, including doctors’ reports and test results, to decide if you qualify. The approval can be faster if your condition is clear and matches the SSA’s guidelines. But in many cases, there may be some unexpected delays.
It’s common for SSDI applications to be denied the first time. If you receive a denial letter, don’t lose hope—there’s still a path forward. You have the right to appeal the decision, starting with the first step in the process, known as “reconsideration.” During reconsideration, a different SSA reviewer will examine your case, which can take three to six months.
If reconsideration doesn’t result in approval, you can request a hearing in front of an administrative law judge (ALJ). The waiting time for a hearing can vary, but it typically takes 12 months or more. Once the hearing is complete, you may wait a few additional months for a final decision.
Several factors can impact how long it takes to receive SSDI benefits. For example, if your medical condition is complex, the process may take longer as the SSA needs more time to review your case. The SSA may also request additional information from your doctors or specialists, which can delay the process.
Your location can also play a role. If you live in a region with a large number of claims, it might take longer for your case to be processed.
While you can’t rush the SSA’s review process, you can avoid unnecessary delays. Ensure your medical records are complete and accurate, and promptly provide any additional information the SSA requests. If you change your contact information, notify the SSA right away to avoid communication problems.
Hiring an experienced attorney can also help speed up the process. A lawyer who specializes in SSDI claims can assist you in preparing your application, guaranteeing it’s complete and properly documented. Additionally, if your application is denied, a lawyer can guide you through the appeal process, helping to avoid mistakes that could slow things down.
Once your SSDI claim is approved, it usually takes one to two months to start receiving your benefits. The exact timeline depends on your case and SSA process speed.
If you qualify for back pay, the SSA will provide a lump sum to cover the months you were waiting for approval.
Do you want to know how to speed up your SSDI application process and avoid common delays? Our team at Regas & Haag can help. We’ll guide you through every step, make sure your paperwork is accurate, and advocate for you if issues arise. Contact us today.
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Dealing with an extended illness can turn life upside down with all the physical and emotional toll one has to handle. However, its financial impact can also be as devastating. To support individuals suffering long-term illness, Social Security Disability Insurance (SSDI) provides a much-needed lifeline.
This kind of insurance is a federal program specifically designed to assist those unable to work due to a severe illness or injury. This can impair one’s ability to earn a living and increase the costs of living, such as medical expenses. If you’ve worked long enough and paid Social Security taxes, SSDI relies on that history and contributions for benefits. You can utilize it when you are no longer able to work.
The payments from SSDI differ from person to person, meaning that they are calculated based on your lifetime earnings before your disability. It may not fully replace your income, but these benefits can cover necessary expenses for living like housing, utilities, and groceries, offering some financial relief while you can focus on your health.
With two years of SSDI, you qualify for Medicare from the federal health insurance program to further help you through difficult times. This can help reduce the burden of medical bills, covering hospital stays, doctor visits, and prescriptions. This can be especially beneficial for illnesses that require long-term care, surgeries, or ongoing treatment.
Many disabilities can affect a person’s ability to prepare or consume food or may require special dietary needs. This program is designed to provide food assistance for low-income individuals and their family members. You can also receive these aids using an electronic benefits transfer (EBT) card, which makes it easier to purchase food from participating retailers.
Furthermore, if you are enrolled with supplemental security income (SSI), you automatically qualify for SNAP regardless of other requirements.
For those who wish to return to work, the SSDI also offers a range of vocational rehabilitation services. However, an extensive evaluation of your skills and abilities is part of the eligibility process for these benefits. Some of them include:
SSDI has services to help you overcome barriers to employment and basic living needs, such as transportation assistance, childcare assistance, or counseling for mental health issues. You can benefit from transportation services, such as bus passes, taxi vouchers, and anything else to make commuting a safer experience.
If you or a loved one is struggling with an extended illness, SSDI can be the bridge between financial stability and uncertainty. At Regas & Haag, we understand the urgency and complexity of securing your deserving support right on time. Contact us today!
Supplemental Security Income (SSI) provides financial assistance to children who are unable to work due to disability and have limited financial resources. In Ohio, SSI eligibility is primarily based on your child’s ability to gain employment and the number of years they’ve contributed to the Social Security system.
Keep reading to learn how children with disabilities can start receiving SSI benefits in Ohio.
To qualify for SSI benefits, children in Ohio must meet specific criteria:
It’s worth noting that Ohio’s state agency usually needs 3 to 6 months to determine if your child meets their disability criteria. However, they provide immediate SSI payments for certain medical conditions. These payments can extend for up to 6 months while the state agency assesses your child’s eligibility for a qualifying disability. The following are some of the conditions that may make your child eligible:
The Social Security Administration (SSA) uses two methods to determine if your child is disabled:
As a parent of a child with a disability, you are responsible for providing substantial evidence to prove the disability. This evidence can include:
We understand that collecting all the necessary information and evidence might be overwhelming. Our dedicated attorneys are ready to walk with you every step of the way to make sure your case is successful.
Once the SSA determines that your child is disabled and eligible for SSI benefits, periodic reviews may be necessary to ensure that their condition still warrants these benefits. These continuing disability reviews help maintain the integrity of the SSI program and ensure that assistance is directed to those who truly need it.
With the help of Regas & Haag, LTD, your application for SSI benefits in Ohio will be a breeze. Contact us today to get started!
Disability insurance is a critical safety net, offering financial stability to individuals hindered by medical conditions. While this safety net is invaluable, the road to obtaining disability benefits can be arduous, with claims occasionally denied for various reasons.
Recognizing and comprehending these factors behind claim rejections is instrumental. With this knowledge, individuals can more easily maneuver the complex claims process, significantly enhancing their prospects of successful claim approval. Navigating the intricate web of disability claims becomes more manageable when equipped with insights into these common hurdles.
The Social Security Administration (SSA) sets a minimum age of 18 for disability benefits. However, the SSA evaluates disability claims for children and young people differently. When applying for disability payments, it is important to understand these age-related differences.
The SSA considers education level part of its disability evaluation process. However, it’s essential to note that education alone does not determine disability. Disabilities can affect individuals regardless of their educational background. By understanding how education is factored into disability determinations, applicants can better prepare their claims.
The SSA defines disability as a medical condition that prevents an individual from engaging in substantial gainful activity for at least 12 months. While this criterion may seem strict, it’s crucial to acknowledge that the SSA aims to support those with severe impairments. Learning more about the criteria for disability severity can assist applicants in making compelling claims.
The SSA evaluates disability claims based on whether applicants can perform their current job. However, it’s important to understand that having the ability to fulfill current job responsibilities doesn’t necessarily equate to overall work capability. Many individuals can manage their current roles but face significant limitations due to disabilities. Recognizing how occupation factors into disability determinations can be crucial when applying for benefits.
To qualify for disability benefits, the SSA requires applicants to demonstrate an effort to find suitable work. While this requirement exists, it’s essential to recognize that many disabled individuals encounter significant barriers in their job search due to discrimination and workplace challenges. Understanding the SSA’s expectations regarding job-seeking efforts can help applicants present a stronger case.
Gaining insights into the prevalent factors contributing to disability claim denials and thorough preparation when pursuing benefits can greatly enhance the likelihood of a favorable outcome. Disability insurance is a vital lifeline during challenging times, offering crucial financial support when needed.
At Regas & Haag, Ltd., we are dedicated to assisting individuals throughout this journey. Our experienced disability lawyers have a proven track record of advocating for clients, providing expert analysis, and representing them diligently in the complex world of disability claims. Your financial well-being and peace of mind matter to us. If you’ve faced a denial, take action today. Contact Regas & Haag, Ltd. for the support and guidance you deserve in securing the benefits you are entitled to. Your future depends on it.
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