Terry M. Banks is an SSA Administrative Law Judge at the Toledo OH hearing office. With a lifetime approval rate of 37% over 9,975 lifetime decisions, this judge sits below the national average of 58%. Because case assignment is random, understanding your judge's history is a vital step in your preparation. Aggregate rates describe past decisions, not predictions for individual hearings. An attorney can help you prepare for this judge's specific bench.
This page presents publicly available SSA Office of Hearings Operations disposition data, with no editorial rating or evaluation. ALJs are independent decisionmakers; aggregate statistics describe past patterns, not predictions of how any individual case will be decided. Information here is provided for hearing preparation, not as legal advice.
Approval rates
The approval rate for Judge Banks stands at 37% over a career spanning 9,975 lifetime decisions. When compared to the latest reporting period, the judge's rate is 16 points lower than the Toledo OH office average and 21 points below the national average of 58%. These figures provide a statistical baseline for the judge's history on the bench. Aggregate rates describe past decisions, not predictions for your individual hearing.
Office- and national-level breakdowns of fully favorable vs denial rates aren't currently published by SSA in the per-office disposition data. The judge's own breakdown is the detail we have today.
Approval rate over time
Year-over-year approval rate across Judge Banks's docket. Annual rates fluctuate with the mix of cases SSA assigns; the longer-run pattern is more informative than any single year.
Decision pattern
Over 5 years on the bench, your approval rate for Judge Banks has shown a steady trajectory. Starting at 29% in 2016, the rate increased in subsequent years, reaching 43% in the most recent reporting period of 2020. This trend indicates a shift in decision-making over time, though the lifetime average remains anchored by the total volume of 9,975 lifetime decisions. The recent uptick may reflect changes in case mix or the quality of evidence presented in your hearing.
Preparing for an SSDI hearing
The guidance below applies to any SSDI hearing, not specifically to Judge Banks's bench. Judge-specific preparation guidance requires a corpus of public Appeals Council decisions involving each judge, which we haven't built yet.
- Bring a clean treating-physician record. Longitudinal primary-care or specialist notes spanning the disability period, with consistent symptom documentation, are typically the strongest evidence at hearing. A single month's records usually aren't enough.
- Don't rely on consultative exams alone. If your medical evidence is built primarily around a one-time CE finding, expect detailed questioning. Supplement with treating-source statements where possible.
- Prepare for daily-activity questions. Have honest, specific answers about a typical day. Answers that conflict with the medical record (in either direction) tend to hurt credibility.
- Expect transferable-skills probing. A vocational expert will usually testify about jobs available to someone with your limitations. Your representative should be prepared to cross-examine.
Hearing with Judge Banks? Free, confidential — see if you qualify for SSDI.
Free Benefits ReviewAbout the Toledo OH hearing office
The Toledo OH Hearing Office serves a significant population across Ohio, managing a high volume of disability claims. With a bench of 6 judges, the office maintains an average approval rate that reflects the broader regional trends in the Social Security system. You should expect a formal process focused on the medical and vocational evidence supporting your claim. You can visit the Toledo OH Hearing Office page for the full ALJ roster.
Other judges at this hearing office
The Social Security Administration assigns cases through a workload-balancing algorithm, meaning the judge you are assigned is essentially random. Across the Toledo OH office, lifetime approval rates among the bench range from 37% to 51%. While these variations exist, the core requirements for proving your disability remain consistent. For your preparation, the guidance is the same regardless of which judge you are assigned.
Your odds change dramatically with a lawyer
SSDI hearing approval rates — represented vs. on your own
Source: U.S. Government Accountability Office, GAO-18-37. The 3× gap is a population-wide average across all judges; individual outcomes vary.
