Get Answers to Your Benefits Questions in Our Disability FAQ

Dealing with the process of applying for and receiving disability benefits, whether it’s through the Social Security Administration (SSA), your employer, or a private insurer, can be a challenge, and many people are left with questions about what they can do to get the help they need. At the law offices of Loyd J. Bourgeois, we understand how hard it can be to get the answers you need. That’s why we’ve put together the following list of Frequently Asked Questions (FAQs) and answers dealing with personal injury, disability benefits, claims, and appeals and the related law in Louisiana.

The following are some FAQs that I receive as a Louisiana attorney. They may answer some of the questions you have regarding your Social Security Disability appeal, your long-term disability insurance denial, or your personal injury claim. If you have a question that is not answered here, please call the legal team of Louisiana Disability Law, Loyd J Bourgeois at 985-240-9773.

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  • Can a Louisiana child with disabilities qualify for disability benefits?

    I was recently asked whether a young child who was recently diagnosed with cancer would be eligible to receive disability benefits, specifically, the parents wanted to know whether they could obtain cash benefits to help with medical costs and/or Medicare/Medicaid benefits.

    The answer to this question depends on the specific circumstances of the child’s case and the parents’ income and resources.

    From the Social Security perspective, a child (under age 18) may be eligible for Supplemental Security Income (Title XVI).  To qualify for SSI, the child’s disability must meet two requirements (1) medical and (2) income/resource.  From a medical standpoint, the child needs to either meet a Childhood Listing or must have marked limitations in two of five functional domains or an extreme limitation in one domain.   The child (and his parents/guardians) will also have to meet the SSI resource and income limitations in order to qualify.  The SSI income and resource limits are very low and usually disqualify most children whose parents are working class or higher.  Generally, if the child and the family qualify for SSI, they will also obtain Medicaid.

    The other question is, even if SSI benefits are unavailable due to resources/income, whether the child or his family may qualify for medical assistance.  Unfortunately, in many cases, the answer is no or very limited help.  Medicaid or medical assistance qualification in Louisiana is described by the Louisiana Department of Health and Hospitals.  Medicare qualification can be found on the SSA website.

    If your child has a disability and you are curious about your child’s eligibility, it never hurts to talk to a skilled Social Security attorney who can give you intelligent answers that steer you in the right direction. Contact disability attorney, Loyd Bourgeois, at 985-240-9773 for a free case evaluation.

  • What is the difference between SSDI and SSI?

    • Social Security Disability Insurance (SSDI) is a disability insurance program financed by Social Security taxes. To qualify for SSDI, the worker must earn a certain level of credits based on taxable work. SSDI disability benefits are payable to disabled workers, widows, widowers, and adults disabled since childhood if they are otherwise eligible.
    • Supplemental Security Income (SSI) is a need-based government assistance program. SSI makes monthly payments to people who are blind, disabled or age 65 or older who have low income and limited resources, meet certain living arrangement requirements, and are otherwise eligible. Disabled or blind children and those who have never worked or whose work history has not earned them enough credits to qualify for SSDI may receive consideration for disability benefits under the SSI program. The Social Security Administration manages the SSI program, but SSI is not paid for by Social Security taxes. SSI is paid for by U.S. Treasury general funds.

    For more information, see blog posting: SSI vs SSDI