At Disability Law Group (DLG), we understand that life can take unexpected turns, leaving hardworking individuals facing unimaginable challenges. One of our recent clients, a devoted worker from Oak Park, Michigan, found himself in precisely this situation when his health took a devastating decline, making it impossible for him to continue working.
A Drastic Shift in Health & Financial Struggles
When our client reached out to us in June 2023, he was struggling with multiple serious health conditions, including:
- Atrial Fibrillation (A-fib)
- Hypertension
- Arthritis in the lumbar spine, causing chronic low back pain and muscle spasms
- Shortness of breath (SOB), intermittent chest pain, and debilitating fatigue
He had dedicated years to his job, but his worsening symptoms made it impossible to continue working. Sadly, like many others, he and his wife were already in a tough financial position when his health took a downward spiral. With no way to predict the severity of his conditions in advance, they were left with difficult decisions to make.
The Challenge of Opting for Early Retirement While Applying for SSD
Faced with the fear of losing their home, our client made the difficult decision to apply for early retirement benefits. It was the only way he and his wife could ensure they could keep a roof over their heads and pay their bills. However, this decision came at a cost—accepting early retirement meant the high likelihood of permanently locking into a reduced benefit amount for life.
Many people don’t realize that once they elect early retirement, their monthly benefits remain lower indefinitely unless they later qualify for Social Security Disability (SSD). In our client’s case, proving that his disability began before he opted into early retirement was critical. If we couldn’t establish that timeline, he would have been stuck with reduced benefits permanently, losing out on thousands of dollars each year due to benefit cuts.
Adding to the challenge, he was already overwhelmed by his medical conditions and the frequent doctor’s visits needed to manage them. Some of his specialists were in Dearborn and Detroit, Michigan, requiring constant travel, and he even had unexpected emergency room visits due to severe back pain and unrelenting muscle spasms at Henry Ford Hospital in Detroit. Managing his health alone was overwhelming, making it difficult for him to also meet SSA deadlines, respond to requests, and navigate the complex disability process.
This is where our team at DLG stepped in to take the burden off his shoulders—ensuring he could focus on his health while we handled everything necessary for his case.
DLG’s Strategy: A Proactive Approach to Securing His SSD Benefits
From the moment we took on his case, we knew we needed to be proactive to give him the best chance at early approval—especially since over 60% of SSD applicants are denied at the initial and reconsideration stages.
To strengthen his case, Attorney Erika Riggs and our team went to work on gathering all records and carefully reviewing the findings to determine the best arguments:
- Ensured all medical records were obtained promptly
- Submitted all required forms and complied with every SSA request and deadline
- Maintained direct communication with the Disability Determination Services (DDS) examiner
- Drafted and submitted Medical Source Statements (MSS) to detail his symptoms and work-related limitations
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- A physical MSS from his primary care physician (PCP)
- Specialty forms for his cardiac condition and arthritis
Beyond legal preparation, we also coordinated directly with SSA on his behalf, tracked all deadlines, and ensured that every document was submitted on time. By managing the paperwork, communication, and strategy, we allowed our client to focus on his medical treatment and recovery without the added stress of fighting through the SSD system alone.
The Outcome: A Life-Changing Approval
After months of diligent preparation, careful documentation, and consistent follow-ups, our client’s SSD claim was approved. More importantly, we successfully established his disability onset date as occurring before he opted for early retirement—a critical legal victory that changed his financial future.
Because of this approval, he is no longer locked into permanently reduced retirement benefits. Instead, he now receives his full SSD benefit, which is thousands of dollars more per year than what he would have otherwise been eligible for. This also means that when he reaches full retirement age, his disability benefits will automatically transition into his full retirement amount—securing his financial stability for the long term.
For our client and his wife, this approval was life-changing. It meant no longer having to worry about losing their home, struggling to make ends meet, or wondering how they would afford essential expenses. The financial relief allowed them to focus on his health rather than the stress of an uncertain future.
Why This Matters for Others Applying for SSD
Many people applying for Disability benefits are unaware of the risks associated with early retirement and the complexities involved in proving disability onset dates. Without legal guidance, it’s easy to make a decision that could impact financial security for life.
Additionally, navigating SSA’s process while dealing with serious health conditions can feel impossible. Between medical appointments, unexpected hospital visits, and daily struggles with pain and fatigue, it can be overwhelming for applicants to stay on top of deadlines, requests, and paperwork. That’s why having a legal team that takes on the heavy lifting can make all the difference.
This case is a testament to why having an experienced disability attorney matters. Understanding the law, navigating SSA’s complex rules, and taking the extra steps—like securing detailed medical statements—can dramatically improve the chances of approval and ensure applicants receive the full benefits they deserve.
If you or a loved one is facing a similar situation, DLG is here to help. Contact us today for a free consultation—because your financial stability and future matter.