Are Social Security Disability Payments Safe from Collections Bureaus?

Q: What are the reasons so many disability claims through Social Security are not approved?
A: The main reason most applications are denied is due to insufficient medical data. Even in what seems like obvious conditions, a claim is only as strong as the evidence provided to support it. For some claims the lack of evidence can be caused by inadequate supporting documentation from the primary doctor of the applicant. A social security disability application must demonstrate that the applicant is no longer able to perform any type of employment he previously engaged in and any similar employment for which he may be eligible. Regardless of your condition, the disability manager examining your file will not understand the full picture if you have not provided complete medical records or information from your treating physician. Make sure you seek treatment for your condition and that your disability examiner has the most current and thorough information about your case. Strong medical proof will give your claim the best chance of approval.
Q: Can a creditor take your social security disability benefits checks?
A: If you currently receive supplemental security income payments, no creditor can touch those payments. Those who collect SSDI payments, however, are not immune from all collections agencies. If you are in financial trouble with businesses, credit card companies, mortgage companies, etc, they cannot touch your payments. Government entities can collect your benefits checks, however. For instance, the government can dip into your social security disability benefits payments if you are behind on a government insured student loan. Additionally, your payments can be taken away to pay alimony and child support.
Q: If you are a landlord, will that negatively impact your ability to collect social security disability benefits?
A: Only your ability to earn a working wage affects determination of social security disability benefits. Rental income and other investments will not be a factor in this determination. If you plan to apply for SSI, all assets and income you collect through rent will be a consideration. SSI benefits are awarded based on financial need.