Question 1

How long does Disability Benefits take?

Accepted Answer

It varies widely by case and stage. An initial decision often takes several months, and cases that go to an ALJ hearing can take considerably longer. We give you an honest timeline based on your specific situation.

Question 2

Can I work while applying?

Accepted Answer

Yes, but earning above SSA's Substantial Gainful Activity (SGA) limit can disqualify you. See the current limit on SSA's Substantial Gainful Activity page. We'll walk you through it.

Question 3

What if I've already been denied twice?

Accepted Answer

The level after two denials is the ALJ hearing — and it's where many valid claims are finally approved, usually because the medical file is finally built the right way. We can review where your case stands.

Question 4

Does Fortis handle SSI too?

Accepted Answer

Yes. We handle both Disability Benefits (Social Security Disability Insurance) and SSI (Supplemental Security Income).

Question 5

What is an ALJ hearing?

Accepted Answer

An Administrative Law Judge hearing is the third stage of an Disability Benefits claim. A federal judge hears your case, with your evidence and your case manager in the room.

Question 6

How much does Fortis cost?

Accepted Answer

Nothing unless you win. Our fee is a percentage of back pay, set by federal law — never an out-of-pocket charge.

Question 7

What conditions qualify for Disability Benefits?

Accepted Answer

Disability Benefits doesn't list every condition. What matters is whether your condition prevents you from working for 12+ months. Physical, mental, and chronic illnesses all qualify.

Question 8

Do I need a lawyer?

Accepted Answer

You don't legally need one. Working with a representative helps make sure your claim is complete and nothing is missed.

Question 9

What if I'm under 50?

Accepted Answer

Younger applicants face a higher evidentiary burden. We work harder on cases under 50 because SSA scrutinizes them more carefully.

Question 10

Can I reopen an old denied claim?

Accepted Answer

Sometimes — within 12 months for any reason, within 4 years (2 years for SSI) for good cause, or at any time in cases of fraud or clerical error. Source: SSA, 20 CFR § 404.988.

Question 11

What's the difference between SSI and Disability Benefits?

Accepted Answer

Disability Benefits is based on your work history. SSI is based on financial need. Some people qualify for both.

Question 12

How do I get back pay?

Accepted Answer

Once approved, SSA calculates retroactive benefits from your established onset date (with a 5-month waiting period). Back pay arrives as a lump sum.

Question 13

Will my benefits be taxed?

Accepted Answer

Possibly. If Disability Benefits is your only income, usually not. If you have other income, up to 85% of your benefits may be taxable. Source: SSA, Income Taxes And Your Social Security Benefit.

Question 14

How do I appeal a denial?

Accepted Answer

You have 60 days from the date on your denial letter. We file the appeal, build the case file, and prepare you for the next stage.

Question 15

Can I get Medicare with Disability Benefits?

Accepted Answer

Yes — generally after 24 months of receiving Social Security Disability benefits you become eligible for Medicare. Source: SSA, Medicare.

Question 16

What if my condition improves?

Accepted Answer

SSA conducts periodic reviews. Medical improvement may end benefits — but most reviews don't result in termination.

Question 17

Can I get Disability Benefits for a mental health condition alone?

Accepted Answer

Yes. Depression, anxiety, PTSD, bipolar disorder and other mental health conditions qualify if they prevent you from working.

Question 18

What records do I need?

Accepted Answer

Medical records from treating physicians, hospital records, test results, and a work history. We help you gather everything.

Question 19

How often will I hear from my case manager?

Accepted Answer

Monthly at minimum. More often when something changes. You'll also see real-time updates in the dashboard.

Question 20

What happens if I lose at the ALJ hearing?

Accepted Answer

We file with the Appeals Council if there's legal merit. If not, we tell you honestly. Federal court is a rare last resort.

Twenty questions. Twenty answers.