I am permanently disabled, so I spend a lot of time at home... every day on the morning television I see these commercials for welfare lawyers who will "fight" to get you accepted for disability benefits. It's always puzzled me. When I applied for SSI, I simply walked into the office with my application, had a very brief physical with a government doctor, sent over medical records from my current team of physicians and surgeons, and signed some papers. There was no fighting involved.
I tend to think that part of the problem is that if you have to "fight" to get accepted for disability you probably shouldn't be getting it.
Those lawyers are mostly advertising for SSDI, not SSI. Nationally - 64% of people are turned down for SSDI on their first claim. And 86% are turned down on their reconsideration. Then you go to a hearing, where 63% are APPROVED. Yeah, it can be a battle. And if you don't get the paperwork just right, or you phrase things the wrong way - you get denied.
When you're used to working and suddenly can't - it's really, really easy for "normal" people to not know what to say on the forms. To feel like they maybe "could" work. To not have the mental and emotional energy to keep pushing the process along while they also try to work on their health and try to figure out how to pay their bills and take care of their children. Also, people feel guilty about claiming SSDI, or SSI, or food stamps, or whatever.
Hiring a lawyer for an SSDI claim is no more scamming the system than hiring a CPA for a tax audit. Neither one is going to misrepresent your claim. Neither one is going to do anything you couldn't do yourself. They just have the experience to know -what- to do.
My Mother-in-Law is permanently disabled. With SSDI and private long-term-disability she doesn't have enough income to make ends meet. Just her health insurance premiums (medicare supplements) are more than 50% of her disability income. Add to that all the things she can't do for herself anymore and needs to have someone else do? There's no way. Absolutely no way she can do it. So family supports her and she guards her (small) nest-egg of cash. When the cash is gone, there will be more social services available. She'll qualify for foodstamps. Maybe SSI, housing assistance, someone to come in and do the things she can't, to check on her and make sure she hasn't fallen and can't help herself, energy assistance - all the things that could make it possible for her to be somewhat independent.
If she went to a lawyer, or a financial advisor who was familiar with the available services - they'd tell her to pay her own expenses now until she's down to 2K of countable assets, and then let family help with her needs - augmenting what social services can do. It's the legal, reasonable, obvious thing to do. And pride is keeping her from doing it. Because y'know - only scammers get welfare.