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June 22, 2008

Social Security backlog means wait for claims

Professional support helps when applying for disability

By JEFF MEYERS

PLATTSBURGH -- When most people think about the Social Security crisis, they're wondering if the federally sponsored program will have funds available to pay benefits upon their retirement.

But another crisis is greeting people who are attempting to access the Social Security Disability Insurance program -- a tremendous nationwide backlog of cases that is preventing applicants from receiving benefits for nearly two years.

"When a person applies for SSDI, they should hear (from Social Security) within five to six months," said Sandra Soper, Community Work Incentives coordinator for the North Country Center for Independence.

However, according to national statistics on claims processing, the average wait for people applying for Disability Insurance is more than 500 days or well over a year and half.

"Basically, it's a problem that's been growing for some time," said Dan Allsup, director of communications for Allsup Inc., an independent company that offers professional support services to people applying for Disability Insurance.

"Right now, we're at a crisis point," he added. "People are dying while waiting for a decision on Disability Insurance, and that just isn't right."

The problem is two-fold, Allsup noted. The Social Security Administration has gone through several cuts in the number of employees it has to handle insurance claims, while a rapidly increasing number of baby boomers have been applying.

"SSDI insurance is nothing more than a government-mandated insurance program," Allsup said. "It's no different than if you have automobile insurance and are in an accident. You expect to be paid in a reasonable amount of time.

"We're not blaming the Social Security staff," he added. "Over the past 20 years, the number of people drawing from or applying for disability has doubled, and the field staff is 30 percent smaller. They're doing what they can without the manpower they need."

Companies like Allsup and independent financial attorneys can help people with the complicated process of applying for disability insurance at a fee that is usually a percentage of what the claimant receives.

"We consider ourselves very similar to H&R Block," Allsup said. "Most people need professional help with their taxes, but unfortunately they're unaware that professionals are also available to help them file for SSDI."

Companies like Allsup can help to cut down on the number of fraudulent claims Social Security receives, he said, saving the administration a lot of time it puts in simply to deny claims.

"We get paid only if a benefit is accepted. Allsup and other companies have built-in filters that will help reduce the number of denied cases. When we accept a case, it's a gol-darn good bet that the claim will qualify."

In her position, Soper is not legally allowed to help people apply for Disability Insurance but works as an advocate to help people understand and utilize claims once they have been accepted. She has 126 open cases spanning the past two years.

"A lot of people want to supplement their benefit by working, and I'm there to help them understand what they can and can't do."

Soper applied for Disability Insurance following a car accident in 1996 and was initially denied twice before hiring an attorney and finally receiving the benefit.

"Applications are oftentimes denied. You can appeal that denial, but appeals will take over a year before going before the appeals judge."

Allsup employs about 500 people, many of whom have experience working for the Social Security Administration and understanding the process of disability claims, denials and appeals.

With more than 775,000 disability cases pending before the Social Security Administration, professional support may be one answer to cut into the 512-day wait for those cases to be decided.

E-mail Jeff Meyers at:

jmeyers@pressrepublican.com

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