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Why Do Insurance Companies Deny Short Term Disability Benefits or Cut Off Benefits During The Short Term Disability Period?

Short Term Disability Period Denial Insurance Company

Unfortunately, it's not uncommon for disability insurance carriers to deny a short term disability claim, or cut off a policy holder during a short term disability period. Why? Most of these policy holders also have long term disability insurance and that creates a significant exposure to the long term disability insurance carrier. The disability carrier is hoping that you get discouraged and don't file an appeal and/or fail to even apply for your long term disability benefits. Why Do Disability Insurance Carriers Deny Short Term Disability Claims I believe that disability insurance companies set up short term disability denials to make it...

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The Three Ways Your Social Security Disability Benefits Can Be Garnished Depending on Who You Owe

Social Security Disability Benefits Garnished Florida

Many Americans rely on their Social Security Disability benefits and believe that it's untouchable! That's not true. It is possible that a portion of your Social Security Disability benefits can be garnished or seized by the Federal government. What Are The Three Ways My Social Security Disability Benefits Can Be Garnished? Only the United States government can garnish a part of your Social Security Disability benefits. Private creditors like banks or credit card companies, can't touch your Social Security benefits. However, if you have following types of debt, you could be eligible for garnishment: 1. Federal Income Tax The IRS, according to the Federal...

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What Every Long Term Disability Applicant Needs to Know About Having the Right Medical Support For Their Disability Claim

Right Medical Support Disability Claims LTD

When an injury or sickness prevents you from working, you may be entitled to disability benefits under a long term disability policy. However, before you stop working, you should get out your disability policy and understand: (1) how the policy defines occupation, (2) what type of proof the policy requires. It’s crucial that you understand the claims process before you stop working and apply for long term disability benefits. What Is A Disabling Condition? Most policies define a disabling condition as an injury or sickness that prevents you from doing the material and substantial duties of your occupation. How does your policy define disability condition and...

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The Social Security Administration Partners With Medical Facilities To Speed The Receipt Of Social Security Disability Applicant Medical Records

Social Security Administration Partners Medical Records

The key to winning your Social Security Disability claim is your medical records. The Social Security Administration application requests that you list all of your medical providers. The SSA will write to each of the providers asking for a copy of your medical records. It can take a long time to gather all of your medical information. At Cavey Law, we make sure that all of your medical records have been gathered and are submitted with your application. New Medical Partners and the SSA However, the Social Security Administration is now partnering with large medical centers, like Johns Hopkins, to allow direct electronic...

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Why It’s Crucial That Every Long Term Disability Applicant Pick The Right Date To Be Disabled

Date To Be Disabled Long Term Disability

One of the many challenges in applying for long term disability benefits is to determine the date that you become disabled and the date you should stop working. Before you stop working you should get out your disability policy and consider the following. What is the effective date of your long term disability coverage? If you become disabled before the effective date of your coverage, your long term disability carrier will deny our claim right off the bat on the basis that you’re not qualified for coverage. The Pre-existing Disability Clause Many disability insurance policies will have a pre-existing disability clause that prohibits the...

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Can I Apply For Social Security Disability Benefits Because of My Skin Disorder?


The Social Security Administration (SSA) has created a listing of Impairments to evaluate skin disorders and other conditions that can result from hereditary, congenital or pathological processes. These include: ichthyosis, bullous disease, dermatitis, chronic infection of the skin or mucous membrane, hidradenitis, suppurativa, and genetic photosensitivity. If you have a disability that meets the Listing criteria, the Social Security Administration will consider your skin condition as sufficiently severe to prevent you from performing substantial gainful work. As a result, benefits can be awarded at Step 3! But What About Durational Requirements for Social Security Disability? The SSA does require that these dermatological conditions...

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The Three Things That Social Security Disability Examiners Do When Reviewing Your Medical Records

Social Security Disability Examiners Reviewing Your Medical Records

When you apply for Social Security Disability benefits you’ll be asked to provide a list of your medical providers so that the SSA can gather your medical records. Once your records have been received, the Social Security examiner will review the records and make a decision whether you’re entitled to disability benefits. Your medical records can make or break your initial application. Your medical records must show not only the severity of your symptoms but how your symptoms impact your ability to function on a daily basis. The 5 Steps To Your Social Security Benefits To be eligible for Social Security Disability benefits...

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Five Things Every Long Term Disability Policy Holder Should Know About Submitting a Notice of Claim

Submitting a Notice of Claim Long Term Disability

Long term disability carriers don’t make it easy for policyholders to get the disability benefits they deserve. Unfortunately, you can make crucial mistakes from the very beginning of your claim including how and when you submit a notice of claim. Before you “give notice” to the disability insurance company, you should do the following: (1) first, determine whether you have a claim, (2) whether your medical records support your claim, and (3) pick the right day to stop working. Only when you have done those things should you, or better yet, your attorney send the disability carrier (4)  your notice that you will be filing a disability...

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If I Return to Work Should I Withdraw My Social Security Disability Application?

Return to Work Social Security Disability Claim

It depends! Given the time it takes for the Social Security Administration to make a decision; many people have to return to work in some capacity. How much you make a month will impact ultimately, whether your Social Security application will be denied. If you make more than $1,100 per month your claim will be denied because you have “substantial earnings”. There may be months where you earn more or less or you may consistently earn less than $1,100 per month. Whether to withdraw the application prior to the hearing depends on the facts of each case. What We Recommend For You...

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What Every Social Security Applicant Needs To Know About The Signs And Symptoms Of Lupus

Signs And Symptoms Of Lupus Social Security Disability Attorney

If your physician has told you that you are unable to work as a result of Lupus, you should apply for Social Security Disability benefits. Your medical records are the key to winning your Lupus Social Security Disability claim. What Your Medical Records Should Document About Your Lupus Your records should document the following symptoms and how these symptoms impact your ability to function: Low-grade fevers which are not attributed to other illnesses, Rashes or lesions particularly before a flare up, Oral ulcers, Enlarged lymph nodes, Chest or muscle pain, Kidney problems, Pulmonary problems, Swollen joints, Gastrointestinal issues, Thyroid issues and Fatigue. Documenting...

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