As a Pennsylvania disability lawyer, we’ve seen firsthand how critical these benefits are for individuals and families trying to survive when work is no longer an option. Social Security Disability isn’t just about money. It’s about stability, dignity, and the right to move forward with support when life throws you off course.
The Reality of Disability in Pennsylvania
Disability can happen to anyone at any time. According to the Social Security Administration (SSA), more than 1 in 4 of today’s 20-year-olds will become disabled before retirement. In Pennsylvania, this reality is even more pronounced. With a large aging population and many workers in physically demanding industries like construction, manufacturing, and transportation, disability hits home for many families.
Yet despite the real and growing need, many Pennsylvanians find the Social Security Disability system confusing, frustrating, and overwhelming. Most initial applications are denied, not because the person doesn’t deserve benefits, but because the system is complex and full of pitfalls.
That’s where we come in.
Why You Need a Lawyer Who Understands This Process
Filing for Social Security Disability benefits isn’t as simple as filling out a form. You have to prove that you have a medical condition that meets the SSA’s strict definition of disability, which prevents you from performing any substantial work.
As an experienced SSD attorney in Pennsylvania, we know exactly what medical records, work history, and functional limitations the SSA is looking for—and how to present your case in a way that makes it clear you qualify. If your claim is denied, we’re prepared to appeal, represent you at a hearing, and fight for the benefits you deserve.
We also understand how much is at stake. This isn’t just about numbers on a check—it’s about getting access to Medicaid or Medicare, protecting your long-term financial future, and reducing the stress your family is under.
The Local Advantage: Why Working with a Pennsylvania-Based Lawyer Helps
The Social Security Disability system is federal, but where you live still matters. Hearings occur at local Office of Hearing Operations (OHO) locations like Harrisburg, Philadelphia, and Pittsburgh. Each office has different wait times, administrative law judges, and tendencies.
As a Social Security disability benefits lawyer in PA, we bring crucial local knowledge. We’ve worked with local medical providers. We’ve stood in front of local judges. And we know the nuances that can give your claim the best possible chance of success in Pennsylvania.
Types of Disability Benefits Available in Pennsylvania
Not all disability benefits are created equal. Depending on your work history, income level, age, and medical condition, you may qualify for different types of Social Security disability programs. At Mooney Law, our goal as your trusted Pennsylvania Social Security disability lawyer is to identify the benefit that fits your situation—and to guide you through securing it.
There are four main types of federal disability benefits available to Pennsylvania residents, and understanding which one applies to you is the first step toward relief.
1. Social Security Disability Insurance (SSDI)
SSDI is the most common program we help people with. It’s designed for individuals who have worked long enough and recently to have paid into the Social Security system. If you’ve been diagnosed with a qualifying medical condition and are unable to work, SSDI could be your safety net.
To qualify, you generally need at least 40 work credits (roughly 10 years of work), 20 of which must have been earned in the last 10 years. Younger individuals may qualify with fewer credits.
As an SSD attorney in Pennsylvania, we often work with clients who are unsure whether their work history qualifies them. We’ll review their Social Security earnings record and determine the best strategy for filing a successful claim.
2. Supplemental Security Income (SSI)
SSI differs from SSDI because it doesn’t depend on your work history. Instead, it’s a needs-based program for people with minimal income and assets who are disabled, blind, or over age 65. Many people in Pennsylvania who haven’t worked recently, or never worked due to a lifelong disability, turn to SSI for critical financial help.
To qualify for SSI in 2025:
- Your income must be below $967/month for individuals or $1,450/month for couples.
- Your assets must be under $2,000 for individuals or $3,000 for couples (excluding a primary home and one vehicle).
As your Social Security disability benefits lawyer in PA, we’ll help calculate your income and assets under SSA rules, identify potential eligibility issues, and ensure your application complies with all financial requirements.
3. Disabled Adult Child (DAC) Benefits
If you have a child over age 18 who became disabled before turning 22, they may qualify for SSDI benefits on your work record. These benefits are available even if the adult child has never worked, provided the parent is retired, disabled, or deceased and eligible for Social Security benefits.
Typical situations where we assist Pennsylvania families with DAC benefits include:
- Young adults with autism, Down syndrome, or intellectual disabilities
- Individuals with early-onset mental illness who are dependent on aging parents
- Children of veterans or federal employees
Many families don’t even know this benefit exists. As an experienced Pennsylvania Social Security disability lawyer, we regularly help families in these situations understand their rights and pursue these essential benefits.
4. Disabled Widow or Widower’s Benefits (DWB)
Surviving spouses who are disabled may be entitled to SSDI benefits based on their deceased spouse’s work record. To qualify, you must:
- Be between ages 50 and 60
- Have become disabled within seven years of your spouse’s death
- Not be remarried before age 50
This benefit often goes unclaimed because widows and widowers don’t realize they can draw disability benefits based on a spouse’s Social Security contributions. We guide clients through the application and ensure they get the support they’re entitled to after such a devastating loss.
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Additional Considerations: Workers’ Comp and Private Disability Insurance
It’s also important to know that SSDI can interact with other disability programs:
- If you’re receiving workers’ compensation for a job-related injury, it may reduce your SSDI benefit. We work with injured workers to coordinate both claims so they don’t miss out.
- If you have private long-term disability (LTD) insurance, those policies often require applying for SSDI and receiving benefits based on your approval. We help clients meet both sets of requirements.
These overlapping benefits can be complex, but with a knowledgeable SSD attorney in Pennsylvania, you can maximize all available support.
Which Benefit Is Right for You?
Choosing the right disability benefit isn’t always clear-cut. Some people qualify for both SSDI and SSI, while others transition from one to the other based on life changes like aging into retirement or changes in household income.
Our role as a Social Security disability benefits lawyer in PA is to evaluate your entire financial, medical, and work situation and guide you toward the benefit that offers the most support, with the least amount of red tape.
If you’re unsure which program fits your circumstances, don’t guess. Contact our office and let us walk you through the options. The sooner you understand what’s available, the sooner we can get to work building a claim that gives you peace of mind and financial relief.
The SSDI Application Process Step by Step
Applying for Social Security Disability Insurance (SSDI) isn’t just about checking boxes—it’s about telling the right story, with the proper documentation, to the right audience. Many first-time applicants in Pennsylvania feel overwhelmed by the technical paperwork and strict requirements.
That’s where we step in. As an experienced Pennsylvania Social Security disability lawyer, we help make the process more manageable and successful.
Below, we break down each stage of the SSDI application process so you know what to expect, how to prepare, and how our team supports you every step.
Step 1: Confirm You’re Eligible
Before you file, the first step is making sure you meet the basic SSDI criteria:
- Work Credits: Most applicants need at least 40 work credits, 20 of which must have been earned in the last 10 years. Younger workers may need fewer.
- Medical Criteria: Your condition must prevent you from working and be expected to last at least 12 months or result in death.
If you’re unsure whether you qualify, we recommend speaking with an SSD attorney in Pennsylvania as early as possible. We’ll review your Social Security earnings record, medical history, and job background to ensure you have a strong foundation for your claim.
Step 2: Gather Critical Documents
Successful SSDI applications are built on solid documentation. Here’s what you’ll need:
- Personal Info: Your Social Security number, birth certificate, and proof of U.S. citizenship or lawful alien status.
- Medical Records: Diagnoses, test results, hospitalization history, prescriptions, and doctor’s treatment notes.
- Work History: A detailed list of jobs held over the last 15 years, including job duties and hours worked.
- Education and Training: Your highest level of education and any vocational training that could relate to work capacity.
- List of Medications and Side Effects: The SSA will consider how your prescriptions impact your ability to function.
At Mooney Law, we often help clients organize these documents and request records from doctors. As your Social Security disability benefits lawyer in PA, we know how to build a clean, complete file that strengthens your claim.
Step 3: File Your Application
There are three ways to apply:
- Online at SSA.gov – Best for those who are comfortable navigating digital forms.
- By phone – You can call the SSA and apply over the phone.
- In person – You can schedule an appointment at your local Social Security office.
While it’s possible to apply independently, working with a Pennsylvania Social Security disability lawyer can significantly improve your chances. We complete and submit applications on behalf of our clients, ensuring every detail aligns with SSA standards.
Step 4: Application Review and Initial Decision
Once submitted, your application goes to a local Disability Determination Services (DDS) office. They will:
- Review your non-medical eligibility (income, work credits, etc.).
- Evaluate your medical records and consult with SSA doctors.
- Schedule a consultative exam (CE) if more evidence is needed.
This stage usually takes 3 to 6 months. Unfortunately, many valid claims are denied at this level due to incomplete paperwork, vague medical evidence, or failure to follow SSA formatting rules.
As your SSD attorney in Pennsylvania, we reduce the chances of denial by ensuring the SSA has everything it needs upfront.
Step 5: If Denied, Request Reconsideration
If your claim is denied—and over 65% of initial SSDI claims are—you have 60 days to file a Request for Reconsideration.
This means someone who wasn’t involved in the first decision will review your application again. You can submit new evidence or clarify missing details.
At Mooney Law, we don’t just refile the same documents. We dig deeper. We update medical records, draft detailed functional reports, and work with your doctors to provide better insights into your limitations.
Having a Social Security disability benefits lawyer in PA at this stage often turns a denial into an approval.
Step 6: Request a Hearing with an Administrative Law Judge (ALJ)
If your reconsideration is denied (as it often is), the next step is to request a hearing before an ALJ. This is where we do our best work.
We will:
- Prepare yourself for the judge’s questions
- Help gather new or updated medical records
- Bring in vocational or medical expert testimony if needed
- Create a clear narrative that shows how your disability prevents you from working
- Represent you in person or via video during the hearing
ALJ hearings are informal but highly important. A skilled Pennsylvania Social Security disability lawyer can significantly impact this stage. The national approval rate at hearings is much higher, especially for those with legal representation.
Step 7: Wait for the Decision
After the hearing, you may wait several weeks for a written decision. If approved, you’ll receive a Notice of Award detailing:
- Your monthly benefit amount
- The date your benefits begin (which can include backpay)
- When you’ll be eligible for Medicare
If denied again, you still have options: the Appeals Council and, ultimately, federal court. We can guide you through each of those steps if needed.
What Can Go Wrong—and How We Help Prevent It
We often meet clients who applied on their own and were denied for reasons that could have been avoided:
- Missing medical documentation
- Incomplete work histories
- Not clearly connecting symptoms to job limitations
- Failure to follow the SSA guidelines on forms
As your SSD attorney in Pennsylvania, we prevent these mistakes by staying hands-on and involved from start to finish. From the moment you reach out, our legal team works with medical professionals, family members, and vocational experts to tell your story clearly and powerfully.
How Long Does the Full Process Take?
On average:
- Initial decisions: 3–6 months
- Reconsideration: 2–4 months
- Hearing wait time: 8–15 months (depending on backlog)
While that may seem long, we help speed up the process by responding quickly to SSA requests, avoiding rejections due to errors, and submitting thorough evidence early.
We can fast-track your application in severe cases, such as terminal illnesses or conditions under the Compassionate Allowances program.
Get Help Before You Apply—Or at Any Stage
The earlier you involve a Social Security disability benefits lawyer in PA, the better. We help first-time applicants, those facing reconsideration, and individuals heading to a hearing after months of delays and frustration.
Don’t wait until you’re denied. Let Mooney Law give you the advantage from day one. We understand the local SSA offices, know what judges expect, and are prepared to advocate fiercely for the benefits you’ve earned.
What to Do If Your Disability Claim Is Denied
Getting a denial letter from the Social Security Administration (SSA) can feel like a punch to the gut. You worked hard, paid into the system, and now that you can’t work due to a serious health condition, you’re told you don’t qualify. Don’t panic—and don’t give up. Most people are denied at first, even with valid claims. The key is knowing what to do next and having the right legal help.
At Mooney Law, we’ve helped thousands of Pennsylvanians reverse that initial denial and get the benefits they deserve. As a dedicated Pennsylvania Social Security disability lawyer, we’re here to walk you through every step of the appeals process.
First, Understand Why You Were Denied
There are countless reasons why a claim might be denied, and it’s not always because you don’t qualify. The most common issues include:
- Lack of medical evidence proving the severity or duration of your condition
- Incomplete or incorrect forms submitted during the application
- Failure to show how your condition prevents all work, not just your previous job
- Income or asset levels that exceed SSI limits
- Missed deadlines or failure to respond to SSA communications
As an SSD attorney in Pennsylvania, one of the first things we do is review the SSA’s denial letter. This document includes specific codes and explanations that reveal why the claim was denied—and how we can fix it.
The Clock Is Ticking: You Have 60 Days to Appeal
Once you receive your denial notice, you have just 60 days to file an appeal. Waiting too long could mean starting over from scratch.
This first appeal is called a Request for Reconsideration. It allows a different disability examiner to review your claim with any new evidence or clarifications you submit. At this stage, we’ll help you:
- Collect updated medical records
- Clarify any misstatements in your initial application
- Request detailed opinions from your treating physicians
- Explain your symptoms and daily limitations in functional terms that the SSA understands
We don’t just refile the same information—we build a stronger, more complete case that directly addresses the SSA’s concerns. That’s why working with a Social Security disability benefits lawyer in PA can dramatically improve your odds of success.
Still Denied? Request a Hearing with an Administrative Law Judge (ALJ)
If your reconsideration is denied, which, unfortunately, happens to most people, the next step is the ALJ hearing. This is your best opportunity to present your case in full, and it’s where we bring the full weight of our legal strategy to bear.
Here’s what happens next:
- We request a hearing on your behalf within the 60-day appeal window.
- We gather updated evidence, medical opinions, and testimony from family or former employers.
- We prepare you for what to expect during the hearing, including the types of questions the judge may ask.
- We represent you during the hearing, whether in person, by phone, or via video.
An ALJ hearing is not a courtroom trial but a serious legal proceeding. Having a knowledgeable Pennsylvania Social Security disability lawyer at your side can make all the difference. We know the local judges, understand what kind of evidence they rely on, and tailor each case accordingly.
What Judges Are Looking For at Hearings
Administrative Law Judges want to see:
- Credible, consistent medical records
- Functional assessments show how your disability limits you
- Statements from treating physicians that explain why you can’t work
- Honest, clear testimony from you about your symptoms, side effects, and struggles with daily activities.
We help clients prepare their testimony, answer practice questions, and gather additional evidence to fill in gaps. We also cross-examine any vocational experts the SSA brings in to suggest you can still work—a key part of many cases.
If You Lose at the Hearing—There’s Still Hope
- Appeals Council Review: The Appeals Council can decide to review the judge’s decision, send it back for another hearing, or let the denial stand.
- Federal Court: If the Appeals Council denies the claim, we can file a lawsuit in federal district court.
These final stages are more technical and require in-depth legal arguments. As an experienced SSD attorney in Pennsylvania, we’ve taken appeals to federal court when necessary.
Avoiding Common Mistakes During the Appeal Process
We’ve seen too many applicants make the same avoidable errors:
- Missing deadlines
- Giving up too early
- Failing to get updated medical records
- Not explaining how their condition impacts their daily life
- Trying to go it alone
The appeals process is not just about paperwork—it’s about persuasion. It’s about painting a complete picture of your limitations and connecting them to the SSA’s strict legal definitions of disability.
As your Social Security disability benefits lawyer in PA, we use every available tool to present that picture, powerfully and professionally.
How Mooney Law Helps Clients Win Appeals
When you hire Mooney Law to handle your appeal, we immediately:
- Review your entire claim file and denial notice
- Identify the weaknesses in your original application
- Help obtain medical evidence that directly supports SSA criteria
- Communicate with your doctors to secure supportive statements
- Represent you through every level of the appeals process—from reconsideration to hearing, and beyond
We know how hard it is to live without a paycheck or health coverage while your case is pending. That’s why we move quickly, efficiently, and with focus—you don’t have time to waste.
Denied? Don’t Wait—Get Legal Help Now
A denial isn’t the end—it’s the beginning of a new phase of your case. With the right help, your appeal could succeed where your initial application failed.
At Mooney Law, we don’t believe in cookie-cutter solutions. Every disability case is unique, and we treat it that way. As a leading Pennsylvania Social Security disability lawyer, we stand up for hardworking Pennsylvanians who need a voice in the system.
If your disability claim was denied, contact us immediately. Let’s discuss your next steps and build the case that gets you the benefits you’ve earned.
How We Handle Social Security Disability Hearings
For many Pennsylvania applicants, the Social Security Disability hearing is the most important step. It’s your chance to explain your condition in your own words, to show how your disability affects your life, and to provide the evidence that may turn a denial into an approval.
But walking into a hearing unprepared is risky. That’s why having a knowledgeable Pennsylvania Social Security disability lawyer by your side is critical. At Mooney Law, we’ve represented clients at hundreds of disability hearings throughout Pennsylvania. We understand how judges evaluate claims, and we know how to present a strong, clear, and convincing case.
What to Expect at the Hearing
Your hearing will be conducted by an Administrative Law Judge (ALJ), typically at a local Social Security hearing office or via video or phone. It’s more informal than a courtroom trial, but it’s still a legal proceeding where evidence, testimony, and expert opinions play a central role.
In most cases, the people present will include:
- You, the claimant
- Your SSD attorney in Pennsylvania (that’s us)
- The ALJ
- A vocational expert (VE) who testifies about what jobs you can or cannot do
- Occasionally, a medical expert (ME) who reviews your condition and testifies about how it meets SSA standards
The judge will ask questions about your medical condition, work history, daily life, and ability to perform basic tasks. Many claimants are nervous, and that’s completely normal. Our job is to ensure you’re confident, calm, and ready.
How We Prepare You for the Hearing
Preparation is the key to success. Before your hearing, we’ll schedule a one-on-one prep session where we go over:
- What questions the judge is likely to ask
- How to talk about your pain, fatigue, or other symptoms clearly and honestly
- What information matters most to your case
- What to avoid saying or doing during the hearing
We also prepare your full disability case file, ensuring it’s current with the latest medical records, test results, and treatment notes. If your doctors support your disability claim, we’ll request a written statement from them and make sure it matches what’s in your file.
Our goal as your Social Security disability benefits lawyer in PA is to make sure nothing is left to chance.
Presenting Your Case to the Judge
During the hearing, the judge will likely ask questions like:
- “What symptoms do you experience daily?”
- “Can you walk, stand, or sit for long periods?”
- “Have you tried to work, and what happened when you did?”
- “Do you need help with cooking, driving, or grocery shopping?”
We’ll make sure your answers are truthful and framed in a way that highlights how your disability truly limits your ability to work. Many applicants downplay their struggles out of pride or habit—we help you break that pattern and speak honestly about what you’re living with.
We also challenge any vocational expert opinions that don’t reflect your real-world limitations. If a VE claims you can still do light or sedentary work, we present medical evidence and testimony to show why that’s impossible.
How We Use Medical and Vocational Experts to Your Advantage
Sometimes the SSA brings in medical experts (MEs) to testify whether your condition meets their listing requirements. We prepare for this by studying your medical records in detail and anticipating objections.
We may also seek our own medical opinions or consult experts who can better explain your limitations.
When vocational experts testify about hypothetical jobs you “could” do, we use our legal training to question their assumptions. As your SSD attorney in Pennsylvania, we work to expose any flaws in their analysis, especially when they ignore your pain levels, treatment side effects, or functional restrictions.
After the Hearing: What Comes Next
After your hearing, you won’t get an immediate answer. The ALJ will review everything presented and issue a written decision in the following weeks.
If approved, you’ll receive:
- A Notice of Award
- A calculation of backpay
- Your monthly benefit amount
- An effective start date for your benefits
If denied, we’ll review the decision for legal or factual errors and discuss options, such as requesting a review from the Appeals Council.
We stay in contact at every stage, answer your questions, and ensure you’re never left in the dark.
Why Legal Representation Matters So Much
Statistics from the SSA show that claimants who attend hearings with a legal representative are significantly more likely to be approved. That’s no coincidence.
Judges appreciate clear, well-supported cases. They understand that when someone familiar with SSA rules and disability law helps organize the facts, it is easier. And they want to see that you’ve made a good-faith effort to present your case correctly.
As a trusted Pennsylvania Social Security disability lawyer, our team at Mooney Law takes that responsibility seriously. We don’t just show up at the hearing—we prepare, advocate, and fight for your desired result.
How Long Does It Take to Get Disability Benefits in Pennsylvania?
One of the most common—and most frustrating—questions we hear from clients is, “How long will it take to get my disability benefits?” Unfortunately, there’s no simple answer. The timeline for Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) claims can vary depending on your condition, your case, and where in Pennsylvania you live. But one thing is sure: delays are common, and the process can be slow.
That’s why working with a seasoned Pennsylvania Social Security disability lawyer can help you navigate the system and avoid the missteps that lead to unnecessary delays.
Typical Wait Times in Pennsylvania
Here’s a general breakdown of how long each stage of the process may take:
- Initial Application Decision: 3 to 6 months
- Reconsideration (first appeal): 2 to 4 months
- Hearing with an Administrative Law Judge (ALJ): 8 to 15 months
- Appeals Council Review: Several additional months, if necessary
So, the full process—especially if you need a hearing—can take over two years from start to finish. It’s frustrating, but sadly, it’s the national norm, and Pennsylvania is no exception.
At Mooney Law, we do everything possible to reduce delays by ensuring your paperwork is accurate, your medical records are complete, and your case is fully prepared. As your SSD attorney in Pennsylvania, we track deadlines, follow up with SSA, and respond quickly to document requests so nothing slips through the cracks.
What Can Speed Up the Process?
There are a few specific situations where a case may move faster:
- Compassionate Allowances: If you have a condition on the SSA’s Compassionate Allowances list (such as certain cancers or ALS), your case may be fast-tracked for approval in weeks instead of months.
- Terminal Illness (TERI) Cases: Claims flagged as terminal illnesses are given priority handling.
- Dire Need Cases: If you’re at risk of homelessness, lack access to medication, or face a life-threatening situation, we can request expedited processing.
As your Social Security disability benefits lawyer in PA, we know how to identify and present your case for these fast-track designations if applicable.
Why Delays Happen—and How We Help
Delays often happen when:
- Medical records are missing or incomplete
- SSA cannot reach you for follow-up
- Deadlines are missed
- The hearing office has a backlog
We take an active role in keeping your case moving. From communicating with your doctors to ensuring the SSA has everything it needs, our legal team stays on top of your claim every step.
Don’t Wait to Take Action
Even though the process takes time, the sooner you start, the sooner you can receive the benefits you’ve earned. And if you’ve already applied and been denied, don’t wait another day. As a trusted Pennsylvania Social Security disability lawyer, we’re ready to fight for your benefits efficiently, aggressively, and with compassion.
How Much Can You Get in Social Security Disability Benefits?
If you’re applying for Social Security Disability benefits, one of your first questions is probably, “How much will I receive each month?” It’s a fair—and important—question. While the Social Security Administration (SSA) uses a standardized formula to calculate benefits, your payment will depend on personal factors, including your past income, work history, and whether you qualify for SSDI, SSI, or both.
At Mooney Law, we’ve helped countless clients across the state understand what they’re entitled to. As a trusted Pennsylvania Social Security disability lawyer, we ensure no benefit is left on the table—and that you’re prepared for what comes next.
Monthly Payments for SSDI
If you qualify for Social Security Disability Insurance (SSDI), your monthly payment is based on how much you’ve paid into Social Security through payroll taxes. This is called your “average indexed monthly earnings” (AIME), which the SSA uses to calculate your primary insurance amount (PIA).
In 2025, the average SSDI payment is about $1,537 per month, but it can be higher or lower depending on your earnings history. The maximum monthly SSDI benefit is currently around $3,822.
Keep in mind:
- You may receive more if you’ve earned higher wages over a long period.
- You may receive less if you worked sporadically or had lower earnings.
- You may also qualify for dependent benefits if you have minor children.
As your SSD attorney in Pennsylvania, we help you estimate your benefit amount early in the process and ensure the SSA has accurate earnings records. We often discover errors in SSA statements that we can help correct before they affect your claim.
Monthly Payments for SSI
If you don’t qualify for SSDI or your benefits are low, you may be eligible for Supplemental Security Income (SSI). This needs-based program provides a standard federal benefit to individuals with limited income and assets.
For 2025, the maximum federal SSI monthly benefit is:
- $943 for individuals
- $1,415 for couples
However, these amounts can be reduced based on other income or support you receive (such as help from family or state assistance). Some Pennsylvania residents may receive a small state supplement to increase the federal benefit slightly, depending on where they live and their living arrangements.
As your Social Security disability benefits lawyer in PA, we help calculate your expected SSI payment, identify any reductions that could apply, and structure your income/assets to keep you eligible.
Can You Receive SSDI and SSI at the Same Time?
Yes. If your SSDI benefit is very low—typically under the SSI income limit—you may qualify for concurrent benefits from both programs. This ensures you receive at least the minimum SSI amount while gaining access to Medicare (through SSDI) and Medicaid (through SSI).
We often help clients who qualify for this overlap without realizing it. A knowledgeable Pennsylvania Social Security disability lawyer can determine whether you’re eligible for both and handle both applications in a coordinated way.
What About Backpay?
Social Security disability benefits often come with backpay, mainly because most claims take several months (or longer) to process. Your backpay is calculated from:
- Your established onset date (EOD)—the date the SSA agrees your disability began.
- The five-month waiting period (for SSDI only).
- The date you filed your application.
For example, if the SSA agrees your disability started 10 months before you applied, you may receive 5 months of backpay once the five-month waiting period is deducted.
Backpay is typically paid in a lump sum for SSDI, but for SSI, it may be paid in three installments over six-month intervals—unless you qualify for expedited release.
We carefully track your case dates and documentation to ensure the accuracy of your backpay. As your SSD attorney in Pennsylvania, we’ll fight for the earliest possible onset date supported by your records.
Will You Have to Pay Taxes on Disability Benefits?
Some people owe federal income taxes on SSDI benefits, especially if they have other household income. Generally, if your combined income exceeds:
- $25,000 for single filers
- $32,000 for married couples filing jointly
…then part of your SSDI benefits may be taxed.
SSI benefits, on the other hand, are never taxable.
We don’t offer tax advice, but we can refer you to trusted professionals if you need help managing tax implications after approval.
We Help You Understand—and Maximize—Your Benefits
One of the most critical roles we play as your Social Security disability benefits lawyer in PA is helping you understand your monthly payments, protect your eligibility, and plan for the future.
We take the time to answer your questions, break down confusing SSA calculations, and advocate for every dollar you’ve earned. Whether you’re applying for the first time or fighting a denial, we’re here to ensure your benefits reflect your reality.
Common Conditions That Qualify for SSDI/SSI
Many people are surprised to learn that qualifying for Social Security Disability benefits isn’t about having a specific diagnosis—it’s about how that condition limits your ability to work.
At Mooney Law, we’ve represented clients with medical impairments, from visible injuries to complex chronic illnesses. You may still qualify for benefits if your condition is listed in the Social Security Administration’s (SSA) Blue Book.
As a leading Pennsylvania Social Security disability lawyer, we know what conditions tend to get approved—and how to prove your case with the proper documentation.
The SSA’s “Listing of Impairments” Explained
The SSA maintains a “Listing of Impairments” (commonly called the Blue Book) that describes conditions considered severe enough to prevent a person from engaging in substantial gainful activity (SGA). If your condition matches a listing exactly, and you have the supporting medical evidence, you may be approved automatically.
However, most people don’t match a listing exactly. That’s why the SSA also evaluates your residual functional capacity (RFC)—an assessment of what you can do despite your condition. This is where having an experienced SSD attorney in Pennsylvania becomes critical. We help build an RFC profile that accurately shows how your limitations affect your ability to work, day in and day out.
1. Musculoskeletal Disorders
Musculoskeletal issues are among the most common reasons people in Pennsylvania apply for SSDI or SSI. These include:
- Severe back injuries and degenerative disc disease
- Arthritis, mainly when it affects multiple joints or limits mobility
- Joint disorders, like hip or knee replacement, are associated with long-term complications
- Spinal stenosis, scoliosis, and nerve root compression
- Chronic pain conditions such as fibromyalgia
To support your claim, we work closely with orthopedic specialists and pain management providers to obtain imaging (MRI, X-ray) and detailed treatment notes. As your Social Security disability benefits lawyer in PA, we also ensure your records clearly explain how pain, stiffness, or mobility loss prevents you from standing, lifting, or sitting for extended periods.
2. Mental Health Conditions
Mental health conditions are often misunderstood by the SSA, but that doesn’t mean they aren’t disabling. We’ve helped clients qualify for SSDI and SSI based on:
- Depression and bipolar disorder
- Anxiety disorders, including panic disorder and PTSD
- Schizophrenia and other psychotic disorders
- Autism spectrum disorder
- Obsessive-compulsive disorder (OCD)
- Cognitive impairments caused by trauma or developmental delay
Winning a mental health disability case depends heavily on treatment history and consistency. We help clients collect therapy notes, psychiatric evaluations, medication records, and function reports that explain how their condition impacts focus, communication, and stress tolerance.
3. Neurological Disorders
Conditions that affect the brain and nervous system often lead to severe disability. Common qualifying conditions include:
- Multiple sclerosis (MS)
- Parkinson’s disease
- Epilepsy (despite medication)
- Stroke with lasting deficits
- Traumatic brain injury (TBI)
- Peripheral neuropathy
These conditions often involve “good days and bad days.” As your Pennsylvania Social Security disability lawyer, we gather longitudinal records and neurologist statements to show the overall pattern of impairment, not just isolated doctor visits.
4. Cardiovascular Conditions
The SSA also recognizes heart and circulation-related diseases, especially when symptoms remain despite treatment. Examples include:
- Congestive heart failure
- Coronary artery disease
- Peripheral artery disease
- Heart arrhythmias requiring pacemakers
- Post-heart surgery complications
Symptoms like fatigue, shortness of breath, and chest pain must be documented clearly. We help you provide stress tests, echocardiograms, and cardiology notes demonstrating functional limitations, not just diagnoses.
5. Respiratory Disorders
Many clients qualify based on conditions that affect breathing and oxygen levels, such as:
- Chronic obstructive pulmonary disease (COPD)
- Asthma, when uncontrolled
- Pulmonary fibrosis
- Emphysema
- Sleep apnea with extreme daytime fatigue
Pulmonary function tests (PFTs), oxygen therapy use, and hospital records are key. We often include pulmonologist reports showing how these issues interfere with physical activity, concentration, and stamina.
6. Immune System & Autoimmune Conditions
These often fluctuate but still qualify if they interfere significantly with work ability. Common examples:
- Lupus
- Rheumatoid arthritis
- HIV/AIDS
- Inflammatory bowel disease (IBD)
- Chronic Fatigue Syndrome (CFS)
Through careful record collection and physician statements, we help demonstrate the “whole picture”—from flare-ups to medication side effects. The SSA wants to know how these illnesses affect daily function, not just lab results.
7. Cancer and Terminal Illnesses
Cancer cases are often eligible for Compassionate Allowances, which means the SSA can approve them much faster. Examples include:
- Lung cancer
- Liver cancer
- Pancreatic cancer
- Stage IV breast or colon cancer
- Leukemia or lymphoma
Even if the cancer is in remission, treatment side effects such as fatigue, cognitive issues, and reduced stamina can qualify someone for SSDI or SSI. We advocate for compassionate approvals whenever possible.
Not Listed? You Might Still Qualify
Just because your condition isn’t explicitly listed in the SSA’s Blue Book doesn’t mean you can’t win. We’ve helped clients with:
- Migraines
- Chronic Lyme disease
- Long COVID
- Degenerative eye disease
- Complex regional pain syndrome (CRPS)
As your SSD attorney in Pennsylvania, we focus on how your specific condition affects your ability to work—not just its name or category.
Build a Winning Case with Mooney Law
No matter what condition you’re facing, our job is to present it to the SSA in the strongest possible light. As a committed Social Security disability benefits lawyer in PA, we take the time to understand your symptoms, gather compelling evidence, and deliver a case that speaks clearly to how your health impacts your life.
Don’t leave your claim to chance. Contact Mooney Law today and let us help you move forward with strength, clarity, and support.
Why Claims Are Denied – and How Mooney Law Helps You Avoid That
If you’ve been denied Social Security Disability benefits, you’re not alone. Nationally, over 60% of initial SSDI and SSI applications are denied. Many of these denials happen not because the applicant isn’t disabled, but because of paperwork issues, insufficient medical evidence, or simple misunderstandings. At Mooney Law, we know the system and how to avoid these common pitfalls.
As a trusted Pennsylvania Social Security disability lawyer, we help our clients build stronger, more complete applications right from the start. And when a claim is denied, we’re ready to fight back with strategy and persistence.
Common Reasons SSD Claims Are Denied
The SSA follows strict rules when evaluating disability claims. Even minor errors can result in rejection. Some of the most frequent reasons we see for denials include:
- Incomplete medical records: The SSA needs a complete picture of your condition, including diagnosis, treatment history, test results, and physical or mental limitations. If your file is missing key information, your claim could be denied.
- Lack of recent medical treatment: If there’s a significant gap in your care or you haven’t followed up with your doctor regularly, the SSA may question the severity of your condition.
- Failure to prove how your condition affects your ability to work: It’s not enough to say you’re in pain or tired. You must show how those symptoms prevent you from performing basic job functions.
- Insufficient work credits (for SSDI): You must have paid into the system through your earnings. Your eligibility may be challenged if your work history is unclear or outdated.
- Income or asset limits exceeded (for SSI): SSI has strict rules about how much income and resources you can have. Exceeding those limits—even unintentionally—can disqualify you.
As your SSD attorney in Pennsylvania, our first job is to help you avoid these mistakes by building a complete, well-documented claim that is aligned with SSA requirements.
How Mooney Law Helps You Get Approved
Our firm takes a proactive, hands-on approach to disability claims. When you work with Mooney Law, you get more than paperwork support—you get a team that knows how the SSA evaluates claims and what it takes to win.
We help you:
- Gather the proper medical evidence: We request and review treatment records, test results, imaging studies, medication lists, and more. We also work with your doctors to obtain functional assessments and letters that support your limitations.
- Tell your story clearly: Many applications fail because they don’t connect your condition to your inability to work. We help you describe your symptoms, daily limitations, and work history in a way that resonates with SSA decision-makers.
- Meet all deadlines and requirements: The SSA operates on strict deadlines. We track everyone and ensure your application or appeal is submitted correctly and on time.
- Respond to SSA requests: If the SSA asks for more information, we handle it immediately, avoiding delays and reducing the risk of denial.
- Represent you in appeals and hearings: We don’t give up if your initial claim is denied. As an experienced Social Security disability benefits lawyer in PA, we represent you through reconsideration, hearings, and even federal court if needed.
Prevention Is the Best Strategy
While we’re skilled at turning denials into approvals, our priority is to help you avoid a denial in the first place. That’s why we encourage people to get legal help before applying. The earlier we’re involved, the more we can do to make your claim as strong as possible.
Our experience with Pennsylvania clients gives us a local advantage—we know the doctors, the judges, and the unique challenges facing applicants in our state. That insight can make the difference between approval and delay.
Get the Right Help from the Start
If you’re considering applying for disability benefits—or have already been denied—don’t navigate the system alone. Let a Pennsylvania Social Security disability lawyer at Mooney Law guide you through the process with clarity, experience, and a track record of success.
What Makes Mooney Law Different?
When you’re applying for Social Security Disability benefits, you have a lot at stake—your income, your healthcare, your stability. You need more than just a representative who files paperwork. You need a team that understands the system inside and out, knows the local landscape, and cares about your case as much as you do.
We’re not a national call center or a faceless law office at Mooney Law. We’re your Pennsylvania Social Security disability lawyer, committed to delivering real help, results, and answers—right here in your community.
Personalized, Local Representation
Unlike large firms that treat you like a case number, we give every client one-on-one attention. You’ll meet with a real SSD attorney in Pennsylvania—not just a staff member or paralegal—and we’ll stay in close contact with you from your first consultation to the final decision on your case.
Because we’re based in Pennsylvania and serve clients across the state, we understand local residents’ unique challenges. We’ve worked with Pennsylvania doctors, visited the local hearing offices, and appeared in front of the same judges who may hear your case. That regional insight is invaluable.
Decades of Disability Experience
Mooney Law has built a strong reputation as a go-to Social Security disability benefits lawyer in PA because we’ve been doing this work for decades. We’ve seen all types of cases—from straightforward claims that needed strong documentation to complex appeals that required legal arguments and medical expert testimony.
Whether you’re applying for the first time, appealing a denial, or preparing for a hearing, we know exactly what the SSA wants to see and what will move your case forward.
We Do the Heavy Lifting, So You Don’t Have To
Navigating the Social Security Disability process can be overwhelming. Long forms, detailed medical records, deadlines, and confusing legal language exist. When you hire Mooney Law, we take the burden off your shoulders.
We will:
- Help you apply correctly from the start
- Request and organize all your medical documentation
- Communicate directly with SSA on your behalf
- Prepare you for hearings and represent you in front of a judge
- Advocate for backpay, dependent benefits, and every dollar you’re owed
When you choose us as your Pennsylvania Social Security disability lawyer, we take full responsibility for your case and fight for the benefits you’ve earned.
We Work on a Contingency Fee Basis
You don’t pay us anything upfront. We only get paid if we win your case. Our fees are limited by federal law, so you never have to worry about unexpected costs or hidden charges.
This means we have every incentive to get you approved—and fast.
We Treat You Like a Person, Not a File
At Mooney Law, we know this isn’t just a legal case. It’s your life. That’s why we take the time to understand how your condition affects your ability to work, care for your family, and live with dignity.
We listen. We believe you. And we work tirelessly to make your voice heard by the SSA.
Our reputation as a top-rated Social Security disability benefits lawyer in PA is built on our results—but it’s maintained by how we treat our clients daily.
Choose Mooney Law—A Firm That Stands with You
You have options when it comes to legal representation. However, not all lawyers bring local knowledge, compassion, and tenacity, which is what Mooney Law does.
We’re proud to stand with hard-working Pennsylvanians who simply ask for the benefits they’ve paid into and deserve. When you’re ready to move forward with a team that puts your needs first, we’re here to help.
What to Expect After You’re Approved
Getting approved for Social Security Disability benefits is a huge relief, but the process doesn’t end there. Many clients are surprised to learn that there are still important steps to take and questions to answer after approval. At Mooney Law, we guide you through what comes next so you never wonder what to expect.
As your Pennsylvania Social Security disability lawyer, we remain your trusted advocate even after your claim is approved.
When Will Benefits Start?
Once you’re approved, the Social Security Administration (SSA) will send a Notice of Award, which outlines:
- Monthly benefit amount
- Start date of benefits
- Backpay total and payment schedule
For SSDI, benefits begin five full months after your established onset date. So, if the SSA agrees that your disability began in January, your monthly payments will start in July.
For SSI, benefits generally start the month after you apply, provided you’re approved.
SSDI usually pays it in a lump sum if you’re entitled to back pay. At the same time, SSI may divide it into three smaller installments over six months unless expedited payment applies due to severe financial need.
As your SSD attorney in Pennsylvania, we help ensure your start date and backpay are calculated correctly and assist if any part of the award seems inaccurate.
Medicare or Medicaid Enrollment
Once you begin receiving SSDI, you’ll become eligible for Medicare after a 24-month waiting period from your benefit start date. During that time, you’ll need to secure medical coverage through another source (like COBRA or Medicaid if eligible).
On the other hand, SSI recipients are typically enrolled in Medicaid immediately upon approval.
We often help clients understand their options and prepare for the Medicare transition. As a Social Security disability benefits lawyer in PA, we stay connected to your case so you’re ready for every step.
Continuing Disability Reviews (CDRs)
Even after approval, the SSA will periodically review your case to confirm that you’re still disabled. This process is called a Continuing Disability Review (CDR), and how often it happens depends on your condition:
- Every 3 years for most claimants
- Every 7 years for permanent or unlikely-to-improve conditions
- 6 to 18 months for conditions expected to improve
We help our clients respond to CDRs and submit the required documentation to maintain benefits without interruption.
Can You Work While Receiving Disability?
Yes, but only within specific limits. The SSA offers work incentives, including:
- Trial Work Period (TWP): You can test your ability to work for up to 9 months without losing benefits.
- Substantial Gainful Activity (SGA): Earning above the current SGA limit ($1,550/month in 2025) may affect your eligibility.
We help clients evaluate part-time work opportunities and ensure they comply with SSA rules.
We Stay with You After Approval
At Mooney Law, our job doesn’t stop once you’re approved. As your long-term Pennsylvania Social Security disability lawyer, we’re here to answer questions, help with reviews, and protect your benefits every step of the way.
How We Work with Doctors to Support Your Case
One of the most critical parts of any disability claim is the medical evidence. No matter the severity of your condition, your claim can only be approved if the Social Security Administration (SSA) sees clear, consistent proof from your healthcare providers. That’s why at Mooney Law, we work closely with your doctors from the start to build a strong, well-documented case.
As your dedicated Pennsylvania Social Security disability lawyer, we know what kind of medical documentation the SSA needs—and how to help your doctors provide it in a way that supports your claim.
Doctors Know Medicine—We Help Them Understand the Law
Most doctors are focused on treating your condition, not writing legal reports. They may not understand how SSA evaluates disability or what needs to be included in your records. That’s where we step in.
We help your physicians:
- Understand the SSA’s standards for disability
- Provide functional assessments that show how your condition limits your ability to work
- Complete residual functional capacity (RFC) forms that describe your physical and mental limitations
- Write letters that explain why your condition prevents gainful employment
This collaboration gives your claim the medical strength it needs to succeed.
We Fill the Gaps in Your Records
Our legal team regularly:
- Requests updated treatment notes and diagnostic results
- Reviews your records for completeness and clarity
- Communicates directly with your providers to clarify or supplement reports
- Ensures that everything is submitted in the format the SSA prefers
As an experienced SSD attorney in Pennsylvania, we don’t leave anything to chance regarding your medical evidence.
A Strong Medical File = A Strong Case
Medical evidence is the foundation of every SSDI and SSI claim. With Mooney Law as your Social Security disability benefits lawyer in PA, you can trust that we’re working with your doctors to present your health condition in the most accurate, persuasive way possible. So you get the benefits you’ve earned.
Frequently Asked Questions About Social Security Disability
As a long-serving Pennsylvania Social Security disability lawyer, we know how confusing and stressful this process can be. Whether you’re just considering applying or you’ve already received a denial, you probably have questions—and many of them. That’s why we’ve compiled this FAQ to help you get straight answers to the most common concerns our clients bring to Mooney Law.
1. Do I have to be completely unable to work to qualify for SSDI or SSI?
Yes. To receive benefits, you must prove that your medical condition prevents you from engaging in substantial gainful activity (SGA)—in other words, any work that earns over a certain monthly income. In 2025, the SGA limit is $1,550 monthly for most people (or $2,590 for blind individuals). Your application will likely be denied if you can work above that level.
We help you build a case showing how your condition limits your ability to perform even basic work tasks.
2. What is the difference between SSDI and SSI?
Both programs provide benefits for disabled individuals, but they differ in key ways:
- SSDI (Social Security Disability Insurance) is based on your work history and payroll tax contributions.
- SSI (Supplemental Security Income) is a needs-based program for people with limited income and assets, regardless of work history.
As your SSD attorney in Pennsylvania, we determine which program—or combination—you may qualify for and guide you through the application.
3. Can I receive both SSDI and SSI at the same time?
Yes. If your SSDI payment is low due to a limited work history, and you meet the SSI income and asset guidelines, you may qualify for concurrent benefits. This ensures you receive at least the SSI minimum while accessing Medicare (through SSDI) and Medicaid (through SSI).
We regularly help clients apply for both when appropriate to maximize their support.
4. How long will it take to get my benefits?
The Social Security process is known for delays. Typical timelines in Pennsylvania are:
- 3–6 months for an initial decision
- 2–4 months for reconsideration
- 8–15 months for an ALJ hearing
- More time if the case proceeds to the Appeals Council or federal court
We do everything possible to prevent unnecessary delays by filing complete applications, responding quickly to SSA requests, and pushing for fast-tracking if your condition qualifies.
5. Can I work while my disability application is pending?
Yes, but with caution. Working and earning too much while applying could lead the SSA to believe you’re not truly disabled. We help clients understand trial work periods, part-time work limits, and how to stay under the SGA threshold so your application remains valid.
6. How much will I receive in monthly benefits?
It depends on the program:
- SSDI payments are based on past income. In 2025, the average was about $1,537/month, with a maximum of $3,822.
- The maximum federal benefit for SSI is $943/month for individuals. Some Pennsylvanians may also receive a small state supplement.
We’ll help you estimate your monthly benefit based on your earnings and financial circumstances. As a Social Security disability benefits lawyer in PA, part of our role is ensuring you receive the maximum support available.
7. Why was my claim denied?
Most denials happen because:
- The SSA lacks adequate medical evidence
- The applicant didn’t complete all forms correctly
- The SSA believes the applicant can still work
- There are gaps in treatment or inconsistent records
If you were denied, don’t assume your claim is over. We specialize in appealing denials and presenting a stronger case the second time.
8. What should I do if my claim is denied?
You have 60 days to appeal the denial, starting with a Request for Reconsideration. You can request a hearing with an Administrative Law Judge (ALJ) if denied again.
At Mooney Law, we handle every level of appeal, including hearings, Appeals Council reviews, and even federal court litigation when needed. We’ve helped many clients overturn denials and get the benefits they deserve.
9. How do I prove my condition is disabling?
You’ll need strong medical documentation that shows:
- Your condition meets or equals an SSA listing
- Your limitations prevent any full-time work
- Your condition is expected to last at least 12 months or result in death
We work directly with your doctors to gather test results, treatment history, and functional reports that make your case undeniable. That’s one of the advantages of hiring a Pennsylvania Social Security disability lawyer who understands the SSA’s criteria inside and out.
10. How much does it cost to hire Mooney Law for a disability claim?
We work on a contingency fee basis, which means:
- You pay nothing upfront
- We only get paid if you win
- Our fee is capped by law (typically 25% of your backpay, up to a maximum set by the SSA)
By letting us take on the burden of your claim, you have nothing to lose—and potentially everything to gain.
11. Will I get health coverage if approved?
Yes. If you receive SSDI, you’ll qualify for Medicare after a 24-month waiting period. If you qualify for SSI, you’re usually enrolled in Medicaid immediately.
We help clients understand how and when to enroll in these programs and how to maintain coverage.
12. Will my benefits ever stop?
Your benefits may continue if you remain disabled and meet the program’s requirements. However, the SSA conducts Continuing Disability Reviews (CDRs) every few years to verify your condition hasn’t improved.
We help clients respond to these reviews and provide updated medical records to maintain their eligibility.
13. Do I need a lawyer to apply?
Technically, no—but it can make all the difference. Applicants represented by attorneys are far more likely to be approved, especially at the hearing level. As your SSD attorney in Pennsylvania, we make the process easier, reduce errors, and dramatically improve your chances of success.
Contact Mooney Law – Talk to a Pennsylvania Social Security Disability Lawyer Today
When a disability takes away your ability to work, the bills don’t stop—and neither does life. You deserve support. You deserve answers. And you deserve a legal team fully committed to helping you get the benefits you’ve paid into and need to move forward.
At Mooney Law, we’ve helped thousands of Pennsylvanians like you navigate the complex world of SSDI and SSI. Whether you’re just starting your application or facing a frustrating denial, we’re here to guide you, support you, and fight for your desired outcome.
Working with an experienced Pennsylvania Social Security disability lawyer can make all the difference between approval and delay. Our team understands the Social Security system inside and out—from what medical records are needed, to how to prepare for a disability hearing, to how to pursue a case to federal court if necessary.
We don’t believe in one-size-fits-all strategies. As your SSD attorney in Pennsylvania, we tailor every case to your unique condition, work history, and goals. We’re accessible, responsive, and entirely focused on helping you win.
And remember—you pay nothing unless we win.
If you’re ready to stop worrying and start building a path to the benefits you deserve, we’re here and ready to help. Contact Mooney Law today for a free consultation with a compassionate and skilled Social Security disability benefits lawyer in PA who will stand by your side every step.
Call us or complete our online form now to get started. The sooner we begin, the sooner we can fight for the financial and medical support you need to take the next step in your life.