How Much Is New York State Disability Benefits

Workers’ Compensation Board Information

Workers’ Compensation Board offers publications which contains additional information on “off the job” disability benefits. These brochures can be obtained by calling or writing:

How Do I Replace My Social Security Card

There are three steps necessary to get a replacement card

1. Gather doctors proving your identity, United States citizenship and immigration status if you are not a U.S. citizen

2. Complete an application for a social security card.

3. Take or mail your completed application and documents to your local Social Security Office of your local Social Security Card Center.

Its important to note that all documents MUST BE originals or certified copies! Photocopies or notarized copies will not be accepted.

If Your Disability Started Within Four Weeks Of The Last Day You Worked

Who pays benefits: Your employer’s disability benefits insurance carrier.

How to Apply

• File the claim with your employer or insurance carrier, using Notice and Proof of Claim for Disability Benefits .
• Form DB-450 may be obtained using the link above, from your employer, your employers insurance carrier, your health care provider or any Board office.

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Benefits Of Experienced Legal Counsel In New York

Being represented by an experienced Social Security disability lawyer can substantially increase the chances of getting the benefits you need and deserve. Whether you have concerns about SSDI eligibility in NY, want expert assistance filing a claim, or appeal a denied application, you can rely on Aronova & Associates for effective support and guidance. For years, our attorneys have advocated for disabled individuals throughout New York City, Long Island and Nassau County. Call us today to schedule a free and confidential legal evaluation.

What Conditions Are Considered For Disability

To qualify for Social Security Disability Insurance, an applicant must have a medical condition that is expected to last for at least one year or longer. The disability may, in some cases, be life-threatening. Many of the conditions that would qualify the applicant for disability are listed in the Social Security disability blue book. Conditions in the listing manual for 2020 include:

â Back injuries and musculoskeletal conditions

â Heart failure, coronary artery disease and other cardiovascular conditions

â COPD, asthma, or other respiratory illnesses

â Sensory or speech issues including blindness or hearing loss

â IBD or liver disease and other digestive tract problems.

â Multiple Sclerosis, cerebral palsy, Parkinsonâs Disease, Epilepsy or other neurological disorders.

â Sjogrenâs Syndrome or Marfan Syndrome and other various syndromes.

â Depression, anxiety, autism, intellectual disorders, or other mental disorders.

â Dermatitis and other skin disorders.

â Cancer

â HIV/AIDs, lupus, rheumatoid arthritis and other immune system disorders.

â Genitourinary problems including kidney disease.

â Hemolytic anemias, disorders of bone marrow failure and other hematological disorders

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Will I Qualify For Disability Benefits In New York

approved for benefitsFiling a disability claim in New YorkTo qualify for Social Security Disability or SSI disabilitydisability interviewfile an SSI applicationIf Social Security does not receive these forms within thirty days of your online application date, they may deny it for failure to cooperate or pursue, and send a closeout letter.The disability claim evaluation process in New Yorkconsultative examinationreconsideration appeals qualify for disabilityMost popular topics on SSDRC.com

Db Premium Rates For Employers

Employers can elect to pay the total cost of DB premiums or share those costs with employees through payroll deduction. To help you make the best decision, NYSIF provides full transparency on our premium rates. We offer DB insurance at a gender-neutral standard rate of $0.14 per $100 of payroll, capped at $0.48 per person per week. Premiums are capped at $24.75 per person annually.

Employee Contributions for DB

New York State law allows employers to deduct 0.5% of an employees weekly wage, up to a maximum of $0.60 per week, for employees to contribute to DB premium costs.

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Pregnancy And Maternity Leave

If you are disabled due to pregnancy, you may be entitled to up to 26 weeks of disability benefits.

You will need to submit a medical report completed by a doctor or certified nurse midwife stating your disability is due to pregnancy.

• The medical report should describe specific pregnancy complications if your disability
• started more than four weeks before the anticipated birth date OR
• lasts more than four to six weeks after the actual birth date.

Note: Benefits are not payable for any period you are unable to work due to elective surgery .

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How Long Does It Take To Get Approved For Disability In Ny

As a general rule, it takes between 30 days and six months to get approved for disability in New York, but there are edge cases where the approval is granted prior to 30 days and of course, there are times when the decision takes longer than 6 months. Many experts recommend that applicants prepare to wait between 3 to 5 months from the time of application to receive an initial decision about SSDI benefits. Appeals cases get backlogged and in 2017, for example, there were more than one million cases waiting to be reconsidered. Applicants wait an average of 18 months to receive either approval or denial of benefits after an appeal.

If you are a Medicaid recipient and you are approved for disability, you can qualify for a caregiver to help with your day to day activities.

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Can You Go On Disability For Depression

It is possible to go on disability for depression, but an individual with this disorder must meet certain criteria to be eligible to receive benefits. The specific criteria are listed in Social Securityâs listing manual. In some cases, applicants may be granted disability on the basis of a medical-vocational allowance if the depressive symptoms are severe and other factors are present in the applicantâs work history, age, and level of education.

Depression is listed as Social Securityâs impairment listing 12.04, Depressive, Bipolar, and Related. To qualify for Social Security disability benefits for depression, you must demonstrate that you have a severe form of the disease by manifesting at least five of the following symptoms:

â Depressed mood

â Diminished interest in all or almost all activities

â Poor appetite or overeating that results in a demonstrable change in weight

â Sleep disturbances

â Inability to concentrate or think clearly

â Feelings of guilt or worthlessness

â Thoughts of suicide or death

â Slow physical movement or reaction time

â Slowed speech and physical agitation such as hand wringing or pacing

Additionally, you must meet certain functional criteria that show that your ability to work has been impaired as a result of the depressive disorder. An extreme or âmarkedâ limitation in two of the following areas is necessary to receive disability benefits for depression:

How Do I Apply For Social Security Benefits

You must submit an application to Social Security. As the process can be long and confusing, we can help by completing the application and all the required forms for you. We have successfully helped numerous clients receive Social Security Disability benefits, many on the initial application.

It is important that you complete the entire initial application accurately. The information you provide Social Security in your initial application may be used by Social Security to deny your claim. Sometimes, applicants do not give Social Security enough information or accurate information due to confusion caused by the forms. Therefore, you might consider contacting an attorney to guide you through the process.

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Can My Family Receive Benefits If I Am Eligible For Social Security Disability Benefits

YES.

If you become eligible for disability or regular retirement benefits, your current or divorced spouse, minor children or adult disabled children may also receive benefits. Each cold qualify for up to 50 percent of your benefit amount. The total amount depends on how many family members qualify.

How Does Social Security Disability Work

The idea behind Social Security is simple. You pay taxes into Social Security during your working years, and then if you become disabled, you and possibly members of your family receive monthly cash benefits. You will also qualify for Medicare health insurance benefits once you have received 24 months of disability payments.

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New York Disability Lawyers

When filing a Social Security disability claim or appealing a decision, it often helps to have a lawyer who is familiar with the Social Security laws and how they are different in New York. You can use our lawyer locator tool below to find a local attorney well-versed in the applicable disability laws.

Self-help services may not be permitted in all states. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. The attorney listings on this site are paid attorney advertising. In some states, the information on this website may be considered a lawyer referral service. Please reference the Terms of Use and the Supplemental Terms for specific information related to your state. Your use of this website constitutes acceptance of the Terms of Use, Supplemental Terms, Privacy Policy and Cookie Policy. Do Not Sell My Personal Information

The Best Ny Short Term Disability Insurance Companies

1. Standard Security Life Insurance Co of New York

This company takes our top spot because of the ease of doing business with them. They usually can approve a new short-term disability policy in less than 48 hours.

And if you received one of those nasty fines from the workers compensation board for forgetting to provide coverage to your employees, Standard Security can often back-date your policy up to 6 months to reduce the fine.

Standard Security is located in mid-town Manhattan and is rated A- by A.M. Best. They have been providing disability insurance for more than 60 years and cover more than 50,000 employers. If you have not compared your current rates to those of Standard Security, youre probably paying too much.

2. ShelterPoint

Formally known as First Rehabilitation Company of America, ShelterPoint has been providing short term disability coverage for more than 40 years. This company is also one of the largest providers of DBL coverage with more than 150,000 business customers.

We like this company for their excellent customer service, competitive pricing and their ability to handle difficult cases where coverage has lapsed for several years. Shelter Point is located in Long Island, NY and is rated A- by A.M. Best

3. ARCH Insurance

4. The Hartford

5. Guardian

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What Types Of Disabilities Can Qualify Me For Social Security Disability Benefits

Almost anything severe enough to keep you out of work. Some of the most common disabilities that qualify for SSI include:

• Spinal disorders, including herniated cervical or lumbar discs, spinal stenosis, arthritis, osteoporosis, compression fractures
• Rheumatoid arthritis, lupus, fybromyalgia, chronic fatigue syndrome, HIV, AIDS
• Amputations, multiple fractures requiring surgery, reflex sympathetic dystrophy, chronic regional pain disorder
• Cancer
• Asthma, emphysema, asbestosis, sleep apnea, chronic obstructive pulmonary disease
• Heart attacks, angina, bypass surgery, congestive heart failure, enlarged heart, aneurysm, valve disease, heart transplant
• Chronic liver disease, cirrhosis, hepititus, ascites, colitis, Crohns disease, diverticulosis, pancreatitis
• Kidney disease, anemia, leukemia, polycythemia, lymphoma, myeloma, sickle cell anemia
• Sklerodema, burns, psoriasis, atopic dermatitis, melanoma, hydradenitis, skin cancer
• Diabetes, obesity, neuropathy, retinopathy, thyroid diseases, peripheral vascular disease, high blood pressure
• Seizure disorder , multiple sclerosis, Parkinsons disease, myasthenia gravis, brain tumor, ALS, alzheimers
• Depression, anxiety, bi-polar disorder, post-traumatic stress disorder , ADHD, ADD, schizophrenia
• Substance abuse, alcoholism, prescription pain addiction, personality disorders, mood disorders

What Is The Best Way For Me To Prepare For My Social Security Disability Hearing

The most important thing you can do to get ready for your hearing is to be sure to come PREPARED.

For starters, youll want to make sure all of your medical records and evidence have been properly submitted to the Social Security Administration. Then, youll want to be sure you know what disabilities you are claiming and bring with you any documents or statements that describe how your disability impacts you on a daily basis.

At the hearing, judges will be determining your physical and/or mental limitations. They will want to review the type of work youve performed and assess your ability to continue with these job functions. Theyll want to know the effect of your limitations on a daily basis and might inquire about how often you see the doctor and effects of any medications you might be taking regularly. Being prepared to answer these questions is a good way to prepare yourself.

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Commuters Coming From The Other States

State labor laws covering maternity leave are relevant to employees based on their location of employment instead of which state in which they live. If a person commutes from outside of the state in order to work within New York, then these laws apply to that person. Meanwhile, their home state’s rules don’t have any jurisdiction.

New York Life Group Benefit Solutions And Achilles International Working Together For Our Customers

Achilles International is a nonprofit that brings volunteers and disabled runners together to train in an environment of support and community.

Our collaboration with Achilles International helps us accelerate whole-person health and build strong personal relationships with those we serve.

See how our collaboration has impacted Makeda:

MEET MAKEDA

When a nurse found herself unable to walk, we helped her recover so she could get back to the work and life she loves.

Our value-added programs1 offer everyday help and support. When you enroll in NYL GBS Disability insurance, they’re included with your policy, and they are available to you and members of your household. These include:

NYL GBS Life Assistance Program

NYL GBS Life Assistance Program offers phone consultation, counseling referrals, online work/life support, and community services for many of life’s challenges.

My Secure Advantage

My Secure Advantage is a full-service financial wellness program that offers solutions to all types of personal financial needs. The program includes access to “money coaching” from experienced financial experts identity theft resolution and protection online will preparation legal consultation referrals and discounts educational webinars access to a library of articles, tools, forms and tips and more.

NYL GBS Health Advocacy Services2

NYL GBS Life Assistance Program2

My Secure Advantage 3

NYL GBS Health Advocacy Services4

Related Links

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If I Hire An Attorney To Handle My Social Security Disability Case How Does My Attorney Get Paid

If you hire an attorney to settle your social security disability case, you do NOT pay upfront and you should NOT have any out-of-pocket expenses.

Your attorney is entitled to get 25% of any past due benefits up to a maximum of $6,000. When you hire an attorney, you enter into a fee agreement which must be approved by the Social Security Administration . The fees are set by the SSA and the federal government. Upon winning your case, the SSA will generally pay your attorney directly. As with anything, occasionally mistakes are made if that was the case youd be required to submit payment.

Is Your Condition Found In The List Of Disabling Conditions

For each of the major body systems, we maintain a list of medical conditions that we consider severe enough that it prevents a person from doing substantial gainful activity. If your condition is not on the list, we have to decide if it is as severe as a medical condition that is on the list. If it is, we will find that you are disabled. If it is not, we then go to Step 4.

We have two initiatives designed to expedite our processing of new disability claims:

• Compassionate Allowances: Certain cases that usually qualify for disability can be allowed as soon as the diagnosis is confirmed. Examples include acute leukemia, Lou Gehrigs disease , and pancreatic cancer.
• Quick Disability Determinations: We use sophisticated computer screening to identify cases with a high probability of allowance.

For more information about our disability claims process, visit our Benefits For People With Disabilities website.

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New York’s Temporary Disability Benefits Law

New York law requires employers to provide short-term disability coverage to their employees. This insurance provides partial wage replacement to employees who are temporarily unable to work for any reason, including pregnancy.

An employee is entitled to collect these short-term disability benefits only while she is actually unable to work due to pregnancy or childbirth. An employee who is unable to work more than four to six weeks prior to giving birth or continues to be unable to work more than four to six weeks after giving birth may have to submit additional medical documentation to support her claim. The maximum period of disability under the law is 26 weeks.

For more information on New York’s pregnancy disability leave rules, see New York Short-Term Disability and Pregnancy.

How Long Does Short

While benefit periods may vary across different providers, most short-term disability policies provide benefits for three to six months. Some policies, especially those connected with a long-term disability policy, may provide short-term coverage for a full year. If an employee needs additional coverage beyond the initial short-term disability period, a long-term disability policy may be needed to extend the benefits.

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