A Checklist For Someone Just Approved For Social Security Disability

Sep 07, 2011 Comments Off on A Checklist For Someone Just Approved For Social Security Disability by

You’ve finally been approved for Social Security disability. It was a long haul but you’ve arrived at your destination. Here is a checklist if you are one of my clients:

  • If you haven’t already heard from me, call me right away.
  • Realize the money isn’t going to arrive tomorrow. It will probably be a few weeks.
  • Did you have a bank account at the time you started your claim? If so, you’re almost certainly set up for direct deposit. Is that bank account still open? If not, you really need to contact Social Security right away. Otherwise, they’re going to try to deposit that money in a closed account. It’s going to bounce back and you’ll be facing a long delay.
  • If you don’t have a bank account, open one. You don’t want to keep cash around your house and you don’t want to pay a check cashing service.
  • If you just can’t handle a bank account or the local banks won’t let you open an account (it happens) , talk with Social Security about getting your benefits paid to you on a debit card. You won’t have to open a real bank account.
  • What did I tell you about Medicare and Medicaid? You’ve probably already forgotten what I said on the phone because you were so excited about winning. Take a look at the letter I sent you or call me. It’s important for you to realize what happens with Medicare and Medicaid.
  • If you’re eligible for Medicare going back, make a decision on whether you want Medicare Part B going back. Unless you specifically ask Social Security for back Medicare Part B and pay the back premiums, you won’t get it. You have to figure out whether the amount that Medicare will pay will justify having the Medicare premiums taken out of your back benefits. If this isn’t making sense to you, you need to give me a call.
  • Realize that even though you may be paid more money at one time than you’ve ever seen before that you’re not going to be wealthy. You can’t afford to waste any money. You need to think about basics: Pay off your bills, make necessary repairs to your home and car, replace worn out appliances, make sure you have adequate clothing. Don’t give away any money and don’t keep any significant amount of cash around the house.
  • Call me when you get any money from Social Security. I’m not telling you this just so I can collect money from you. I want to make sure you are paid properly. Social Security often gets things fouled up. I can’t get it straightened out if I don’t know what’s going on.
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About the author

Charles Hall is the lead attorney for the Charles Hall Law Firm in Raleigh, NC. He has been practicing in the Social Security Disability law field since 1979, is published, and is ready to help new clients win their benefits in North Carolina.