Georgetown Social Security Disability Lawyer

Georgetown's population keeps growing, and with Fort Cavazos nearby, many local families include veterans, active-duty service members, and civilian workers on base. When an injury or illness stops you from working, Social Security Disability benefits can help replace lost income, but the application process is confusing and most first-time claims get denied. A Georgetown Social Security Disability lawyer at Michalk, Beatty & Alcozer, L.P. can help you apply the right way the first time, or fight back after a denial. Manuel Alcozer is board-certified in Social Security Disability Advocacy, a credential held by fewer than 60 attorneys in the entire country.

Why Georgetown Residents Need a Georgetown Social Security Disability Lawyer

Applying for disability benefits looks simple on paper: fill out some forms, submit your medical records, and wait for a decision. In practice, Social Security denies most first-time applications, often over missing documentation or forms filled out in a way that doesn't match how the agency actually evaluates disability. A single missing form or an incomplete work history can delay your claim by months.

Georgetown's growing population also means longer wait times at local Social Security offices and more competition for appointments. A Central Texas Social Security Disability lawyer who knows the process can help you avoid the mistakes that lead to a denial, gather the right medical evidence from the start, and keep your application moving instead of sitting in a backlog.

We also see a specific pattern in Georgetown: workers in manual labor and construction jobs whose bodies simply can't keep up with the physical demands of the work anymore, but who still get denied because their file doesn't clearly explain why they can't switch to a desk job. Social Security wants specifics, not general statements about pain or fatigue, and building that specific record from day one is one of the biggest differences between an approval and a denial.

SSDI vs. SSI: Which Disability Program Fits Your Situation

Social Security runs two different disability programs, and knowing which one applies to you changes how you should approach your claim. Social Security Disability Insurance, or SSDI, is based on work credits you earn by paying Social Security taxes. In 2026, you earn one work credit for every ,890 in wages, up to four credits per year. Most adults need 40 work credits total, with 20 of those earned in the last 10 years before you became disabled, to qualify for SSDI.

Supplemental Security Income, or SSI, doesn't require work credits at all. Instead, it's based on financial need. In 2026, SSI pays up to 4 a month for an individual and ,491 a month for a couple, but you can't have more than ,000 in countable resources as an individual or ,000 as a couple. Some Georgetown clients qualify for both programs at once, known as concurrent benefits, which can provide more complete support than either program alone.

The two programs also treat your other income and assets differently. SSDI doesn't care how much you have in savings or whether your spouse works, since it's based purely on your own work record. SSI is much stricter, since it looks at household income and resources, which means a Georgetown applicant with a working spouse or a modest savings account might not qualify for SSI even if they'd otherwise meet the medical requirements.

The Five-Step Process Social Security Uses to Evaluate Your Claim

Social Security uses the same five-step evaluation for every disability claim, no matter where you live. First, the agency checks whether you're currently working above the substantial gainful activity threshold, which in 2026 is ,690 a month for non-blind applicants and ,830 a month for blind applicants. If you're earning above that amount, your claim typically gets denied at this step regardless of your medical condition.

Second, Social Security checks whether your condition is severe enough to limit basic work activities for at least 12 months. Third, the agency checks whether your condition matches one of its official Listings, sometimes called the Blue Book. If it matches a listing, you're approved without further review. If not, Social Security moves to the fourth step and asks whether you can still do the work you did before becoming disabled. If you can't, the fifth step asks whether you can adjust to any other type of work, considering your age, education, and work experience. For a Georgetown construction worker who spent 20 years framing houses, this fifth step often comes down to whether any job realistically exists that matches their physical limits, their reading and math skills, and their age.