SSDI Administrative Law Judge

Hon. Terry M. Banks

SSDI Administrative Law Judge at the Toledo OH Hearing Office · 5 years on the bench · 9,975 lifetime decisions

Hearing scheduled with Judge Banks?

Free Benefits Review →
Free
2 minutes
Confidential

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.

Metric Judge Banks Toledo OH National
Approval rate 37% 53% 58%
Fully favorable 31%
Denials 63%

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.

Judge Banks
0%20%40%60%80%100%FY16FY20
Source: SSA OHO disposition data. Approval rate = fully favorable + partially favorable decisions divided by total dispositions excluding dismissals.

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 Review
Free 2 minutes Confidential

About 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

WITHOUT A LAWYER
baseline approval rate
Unrepresented claimants
WITH A LAWYER
~3×
higher approval rate
Represented claimants
Free Benefits Review

Source: U.S. Government Accountability Office, GAO-18-37. The 3× gap is a population-wide average across all judges; individual outcomes vary.

Frequently asked questions