Jennifer F. v. Commissioner, Social Security

District Court, D. Maryland·Decided August 21, 2026·No. 1:25-cv-03663·Unknown

Opinion

UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND

JENNIFER F., *

Plaintiff, *

v. * Civil Action No. EA-25-3663

COMMISSIONER, * Social Security, * Defendant. *

MEMORANDUM OPINION On November 7, 2025, Plaintiff Jennifer F. petitioned this Court to review the final decision of the Social Security Administration (SSA or the Commissioner) denying her claim for benefits.1 ECF No. 1. Pending before the Court is Plaintiff’s appeal, which is fully briefed. ECF Nos. 10, 14–15. No hearing is necessary. Local Rule 105.6 (Dec. 1, 2025 D. Md.). This Court must uphold the decision of the SSA if it is supported by substantial evidence and if the SSA employed proper legal standards. 42 U.S.C. §§ 405(g), 1383(c)(3); Craig v. Chater, 76 F.3d 585, 589 (4th Cir. 1996). Under that standard, and for the reasons set forth below, the Commissioner’s decision is affirmed. I. BACKGROUND The instant action is Plaintiff’s third appeal in connection with her claims for benefits. ECF Nos. 1; 6-2 at 193–196, 781. Following an overview of the procedural history of this case and the applicable statutory framework is a discussion of the administrative decision at issue in this appeal.

1 This case was referred to a United States Magistrate Judge with the parties’ consent and reassigned to the undersigned on August 6, 2026. ECF Nos. 2–4; 28 U.S.C. § 636; Local Rule 301.4 (D. Md. Dec. 1, 2025). A. Procedural History In 2014, Plaintiff applied for Disability Insurance Benefits and Supplemental Security Income under Titles II and XVI of the Social Security Act (the Act), 42 U.S.C. § 401 et seq. and 42 U.S.C. § 1381 et seq., alleging a disability onset date of January 1, 2012. ECF No. 6-1 at 136–137, 356, 363.2 Plaintiff asserted that she was disabled within the meaning of the Act because of refractory depression and sudden hearing loss in her left ear. Id. at 112, 124. After the SSA denied Plaintiff’s applications for benefits, she sought reconsideration, and the

Commissioner affirmed its determinations on July 22, 2015. Id. at 122, 135–137, 149, 162, 205– 206, 208. Plaintiff requested a hearing before an Administrative Law Judge (ALJ), which was held on July 12, 2017. Id. at 65–111, 214. On November 27, 2017, the ALJ rendered a decision (ALJ Decision I) in which she found that Plaintiff was not disabled within the meaning of the Act. Id. at 169–184. Plaintiff requested further review, and on August 29, 2018, the Appeals Council remanded the case to the same ALJ. Id. at 192–194, 273. The ALJ held a hearing and rendered a decision on March 7, 2019, in which she again found that Plaintiff was not disabled within the meaning of the Act (ALJ Decision II). Id. at 20– 29, 37–63. Plaintiff requested further review, which the Appeals Council denied on March 2, 2020. Id. at 9. On April 30, 2020, Plaintiff filed suit in this Court seeking review of ALJ

Decision II. ECF No. 6-2 at 193–196. On September 28, 2021, this Court remanded the case to the Commissioner for further proceedings. Id. at 206–209; Jennifer F. v. Saul, Civil Action JMC-20-1118, 2021 WL 11720832, at *1 (D. Md. Sept. 28, 2021). On February 7, 2022, the Appeals Council vacated ALJ Decision II and remanded Plaintiff’s case to a different ALJ. ECF No. 6-2 at 214.

2 Page numbers refer to the pagination of the Court’s Case Management/Electronic Case Files (CM/ECF) system printed at the top of the cited document. The second ALJ held a hearing and rendered a decision on July 11, 2022, in which she found that Plaintiff was not disabled within the meaning of the Act at any time through June 30, 2015, the date she was last insured, but became disabled on March 7, 2021 (ALJ Decision III). Id. at 120–138, 151–192. Plaintiff requested further review, which the Appeals Council denied on June 1 and 8, 2023. Id. at 104–105, 111–112. On July 31, 2023, Plaintiff again filed suit in this Court seeking review of ALJ Decision III. Id. at 781; Jennifer F. v. Commissioner, Social Security, MJM-23-2063 (D. Md.) (ECF No. 1). On April 24, 2024, this Court remanded the case

to the Commissioner with the parties’ consent. ECF No. 6-2 at 781; Jennifer F., MJM-23-2063 (ECF No. 18). On May 31, 2024, the Appeals Council vacated the unfavorable portion of ALJ Decision III and remanded the case to a third ALJ to address identified issues. ECF No. 6-2 at 781–783. Specifically, the Appeals Council noted that ALJ Decision III did “not contain an adequate evaluation of limitations in functioning resulting from the claimant’s hearing loss,” and that the “decision [did] not contain an adequate evaluation of the claimant’s residual functional capacity,” including how the ALJ evaluated medical opinion evidence and determined that being off[] task ten percent of the workday would accommodate Plaintiff’s medically determinable impairments. Id. at 781–782. The Appeals Council directed the ALJ to give further consideration on remand to Plaintiff’s hearing loss and residual functional capacity prior to

March 7, 2021. Id. at 783. The third ALJ held a hearing and rendered a decision on March 10, 2025, in which she concluded that Plaintiff was not disabled within the meaning of the Act from January 1, 2012, the alleged onset date, through March 7, 2021 (ALJ Decision IV). Id. at 699–722, 732–757. Plaintiff again requested further review, which the Appeals Council denied on September 11, 2025. Id. at 647. ALJ Decision IV therefore constitutes the final, reviewable decision of the SSA. Sims v. Apfel, 530 U.S. 103, 106-107 (2000); 42 U.S.C. § 405(g); 20 C.F.R. § 422.210(a). B. Statutory Framework The Act authorizes Disability Insurance Benefit payments to every insured individual who “is under a disability.” Cleveland v. Policy Mgmt. Sys. Corp., 526 U.S. 795, 801 (1999) (quoting 42 U.S.C. § 423(a)(1)). The Act also authorizes Supplemental Security Income payments to “persons who have a ‘disability.’”3 Barnhart v. Thomas, 540 U.S. 20, 21 (2003). Both of these programs define “disability” as being “unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be

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