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According to the Pew Research Center, Income Impact: without Social Security, nearly 40% of seniors would have incomes below the official poverty threshold. Furthermore, the Office of Budget and Policy Initiative notes that Social Security benefits are more modest than commonly perceived; as of February 2024, the average monthly Social Security retirement benefit was approximately $1,862, equating to about $22,344 annually. (Average payments for disabled workers and aged widows were lower.) For an individual with average earnings retiring at age 65 in 2024, Social Security replaces roughly 39% of previous income. This “replacement rate” has declined as the program’s full retirement age increased from 65 in 2000 to 67 by 2022. Nancy L. Cavey is a distinguished attorney with over 39 years of experience specializing in disability law. Recognizing the complexities and significant impact of filing for disability benefits, Cavey has successfully guided numerous clients through the process with expertise and sensitivity. Her practice, The Law Office of Nancy L. Cavey, possesses extensive experience in disability claims and has represented clients with medical conditions including heart disease, hypertension, chronic fatigue syndrome, fibromyalgia, spinal injuries, post-traumatic stress disorder, and traumatic brain injury. Cavey's dedication to her work is informed by personal experience: during her late teens, her father was diagnosed with leukemia. This firsthand understanding of the emotional and financial challenges faced by individuals and families affected by disability informs her empathetic approach to client representation. Serving clients nationwide in Social Security and Long-Term Disability matters, she consistently advocates for individuals who have not received fair treatment or entitled benefits. Cavey has authored several consumer-oriented guides on disability, including The Disability Insurance Claim Survival Guide for Professionals and *Your Rights to Social Security Disability Benefits*. She is also a member of the National Organization of Social Security Claims Representatives (NOSSCR), and is licensed in Florida and the District of Columbia. For additional information, please visit: https://caveylaw.com/ Phone: (727) 894-3188 YouTube: @CaveyLaw Podcast: https://podcasts.apple.com/us/podcast...