What We Help With
Four programs.
One point of contact.
We provide consulting and application support for Social Security Disability, SSI, Social Security Retirement, and Medicare — with the expertise of someone who spent 17 years processing these claims from inside SSA.
How We Work With Every Client
Free Discovery Call
Twenty minutes to understand your situation and determine which programs may apply. No cost, no commitment.
Eligibility Review
A structured review of your work history, medical records, income, and resources against the relevant program rules.
Claimant Interview
A thorough, unhurried interview to capture the full picture of your condition, history, and daily limitations — adapted to your needs and communication style.
Application Support
Preparation, review, and organization of your complete application package before anything is submitted.
Who We Serve
We work with a genuinely diverse population — across age, language, disability type, income level, and life circumstance. Our interviews and consultations are patient, adaptive, and designed to meet each person where they are.
Social Security Disability Insurance
SSDI — Disability Benefits for Workers
Social Security Disability Insurance (SSDI) is available to individuals who have worked and paid into Social Security but can no longer do so due to a qualifying medical condition. The application process is detailed, documentation-heavy, and frequently denied on the first attempt — even for individuals who clearly qualify.
What we do
We sit with you, in plain language, and work through every element of your claim before anything is submitted. That means reviewing your work history against SSA's substantial gainful activity (SGA) thresholds, evaluating your medical documentation for the language reviewers look for, and ensuring your reported limitations accurately reflect the impact of your condition on daily function and the ability to work.
Claimant interviews
One of the most important — and most overlooked — parts of an SSDI claim is how you describe your condition and its impact. SSA's Adult Function Report and the Disability Report ask detailed questions that can make or break a determination. We conduct a thorough pre-application interview with every client to surface the full picture and ensure nothing is left out or understated.
Eligibility review
Before you invest time in an application, we assess your work credits, earnings record, and medical situation against SSA's five-step sequential evaluation process. If you qualify, we tell you so clearly. If there are gaps or concerns, we identify them upfront so you can address them.
Documentation review
Medical records, treatment histories, physicians' statements, and work history documentation are all reviewed for completeness, accuracy, and alignment with SSA's listing of impairments. Missing records and inconsistent narratives are the most common reasons claims are delayed or denied.
Supplemental Security Income
SSI — Disability Benefits Based on Need
Supplemental Security Income (SSI) provides monthly payments to individuals who are disabled, blind, or 65 or older and have limited income and resources. Unlike SSDI, SSI does not require a work history — which means it serves some of the most vulnerable members of our communities, including individuals who have never been able to work due to lifelong conditions, adults who left the workforce to provide care, and those re-entering society after extended absences.
Who we serve
SSI claimants come from every background. We work with individuals navigating language barriers, housing instability, cognitive and developmental disabilities, and situations where simply getting to a Social Security office is a significant challenge. Our approach is patient, thorough, and adapted to each person's circumstances. We meet people where they are.
Income and resource rules
SSI has strict income and resource limits that are easily misunderstood. Certain items are excluded from resource calculations; certain income sources are treated differently than others. We review your full financial picture against SSA's rules to determine eligibility and flag any issues before they become reasons for denial.
Medical disability determination
The medical standard for SSI disability is the same as SSDI — inability to engage in substantial gainful activity due to a medically determinable impairment expected to last at least 12 months or result in death. We help clients build and organize the medical record needed to satisfy that standard, including helping identify treating sources and supporting documentation.
Concurrent claims
Many individuals qualify for both SSDI and SSI simultaneously — a concurrent claim. If you have some work history but your SSDI benefit would be below the SSI limit, you may be entitled to both. We evaluate every client for concurrent eligibility.
Social Security Retirement
SSA Retirement — Getting It Right from the Start
Social Security retirement benefits represent decades of contributions to the system. The decisions you make about when and how to file — and how you report your work and earnings history — can affect your monthly benefit for the rest of your life. These are not decisions that should be made quickly or without a clear understanding of the options.
Timing and benefit optimization
You can file for retirement benefits as early as age 62 or as late as age 70. Filing early reduces your monthly benefit permanently. Waiting past full retirement age (FRA) increases it by 8% per year up to age 70. The right answer depends on your health, financial situation, other income sources, and whether a spouse or dependent may also be entitled to benefits on your record.
Earnings record review
Your benefit is calculated from your 35 highest-earning years. Errors in your Social Security earnings record are more common than most people realize — and correcting them requires documentation. We help clients review their Social Security Statement, identify discrepancies, and initiate corrections before filing so the benefit calculation is based on accurate data.
Spousal and survivor benefits
A spouse may be entitled to up to 50% of your full retirement benefit, or more as a survivor. Divorced spouses who were married for at least 10 years may also qualify. These rules interact in ways that affect the optimal filing strategy for both partners. We walk through the implications for your household, not just the individual applicant.
Application preparation
The retirement application itself is straightforward compared to disability — but the supporting documentation, identity verification, and accuracy of reported work history still matter. We prepare and review every application before submission.
Medicare
Medicare — Enrollment, Parts, and Deadlines That Matter
Medicare is federal health insurance for individuals 65 and older and for certain individuals under 65 with disabilities. The program is divided into parts — A, B, C, and D — each covering different services, with different premium structures, enrollment windows, and late-enrollment penalties that can follow you permanently if missed.
Enrollment timing
Most people become eligible for Medicare at 65 and have a 7-month Initial Enrollment Period (IEP) surrounding their birthday month. Missing this window without a qualifying Special Enrollment Period (SEP) results in late enrollment penalties on Part B and Part D premiums — penalties that never go away. We help clients understand their enrollment windows and act within them.
Parts A, B, C, and D explained
Part A covers hospital inpatient care and is premium-free for most people. Part B covers outpatient services and carries a monthly premium. Part C (Medicare Advantage) bundles A and B through private insurers and may include Part D drug coverage. Part D is standalone prescription drug coverage. Choosing between Original Medicare (A + B) and Medicare Advantage involves tradeoffs in network flexibility, cost structure, and supplemental coverage that depend heavily on your health needs and where you live.
Medicare and disability (under 65)
Individuals who have received SSDI benefits for 24 months automatically become eligible for Medicare, regardless of age. This is a critical milestone that many disability recipients are not aware of — and failing to enroll when first eligible can create the same late penalties. We track this for our disability clients and ensure they don't miss it.
Low-income subsidy and extra help
Medicare beneficiaries with limited income and resources may qualify for the Low Income Subsidy (LIS), also called Extra Help, which reduces Part D premiums, deductibles, and copayments significantly. We assess every Medicare client for LIS eligibility and assist with the application.
Not sure which program applies to you?
That’s exactly what the discovery call is for. Twenty minutes, no cost, and you’ll leave with a clear picture of what you may qualify for and what the next steps look like.
Schedule a free call