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Long Term Disability Recipients Need To Be Afraid Of Medi-Copy Services

Long Term Disability Medi-Copy Services

Long term disability carriers will request that you sign a medical release so that they can get copies of your medical records. Many will hire Medi-Copy services, a third part medical record processor, based in Nashville. In addition to medical records, they also provide disability form completion services. Guess what they do! Since they're working for the disability carrier, they have access to your file. When a disability form gets sent to your physician, they'll get it, fill it out and send it directly to the insurer. There have been instances in which Medi-Copy completed the form, signed the doctor's name and returned...

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What Objective Medical Evidence Your Long Term Disability Carrier Is Looking For In A MS Claim

Objective Medical Evidence Multiple Sclerosis Disability

The long term disability carriers don't make it easy for those with MS to get the long-term disability benefits they deserve. Carrier's deny claims because of a lack of objective evidence. The disability carrier will review your medical records and will want to see the objective evidence in your medical records that support the diagnosis of MS. This includes: - a diagnosis of MS through magnetic resonance imaging testing (MRI), - spinal tap or lumbar puncture, - visual testing to detect damage to the optic nerve, - neuropsychological testing to document cognitive difficulties. What Should I Do If My Long Term Disability Claim For MS Has...

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How the Social Security Administration Cheats Disabled Americans

Social Security Administration Cheats Disabled Americans

Unfortunately, the waiting time to get a hearing for Social Security Disability benefits is over two years and that delay might be deliberated! Since 2010 the United States Congress has squeezed the Social Security Administration's operating budget. There's been an 11% cut. That doesn't sound like much but the reality is: - the agency has closed 65 of its field offices, - there have been staff reductions, - there has been a quin-tripling for the hold times for telephone assistant and - a significant increase in backlog in claims processing. How The Republicans Have Made Social Security A Political Issue Republican legislators aligned with conservative think tanks...

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What Every Social Security Disability Applicant Needs To Know About The Transferability of Skills

Transferability of Skills Social Security Disability

The Social Security disability claims process is confusing and discouraging. Many people think they're entitled to Social Security disability benefits simply because their doctors told them they can't work anymore. Not true! The Social Security Administration (SSA) uses a 5 Step Sequential Evaluation to determine whether you are entitled to benefits. You have to meet every one of these steps. One of the most confusing steps is Step 5, the SSA must determine whether or not you have any transferable skills from any work that you have previously done that would allow you to perform a new job or learn a...

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Congestive Heart Failure And Your Rights Long Term Disability Benefits

Congestive Heart Failure Long Term Disability Benefits

Long term disability carriers don't always make it easy for those with congestive heart failure to get the long term disability benefits they deserve. What Are The Causes of Congestive Heart Failure? Coronary artery disease, congenital heart defects, poorly treated high blood pressure, prior heart attacks, valvular and pericardial disease and cardiomyopathy can all result in an enlarged heart and congestive heart failure. Regardless of the diagnosis, many long term disability carriers will want to see that your heart failure has continued despite your use of medication. What Does The Long Term Disability Carrier Look For In My Medical Records? Many long term disability...

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How Does A Short or Long Term Disability Policy Holder Find Out About Their Disability Benefits

ERISA plan fiduciary attorney

Did you know that if you purchased a short or long term disability policy through an employer, (other than a government or church employer), the ERISA statute requires that your employer or Union act as a fiduciary? What Are The Duties Of A Fiduciary? Your employer or union must provide information about benefits when you ask for it in writing. In fact, plan administrators, employers or unions who provide benefits, must provide a copy of the plan documents to you if you make a written request for the documents. If they don't provide you with the plan documents, they can be subject to...

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The Six Type Of Forms That Every Social Security Disability Applicant Must Complete When They Apply For Social Security Disability Benefits

Forms Documentation Required For Social Security Disability Benefits

Applying for Social Security Disability benefits is a lot of work. There isn't any way around it. The Social Security Administration (SSA) requires 6 different types of documentation during the application process. Before you apply for benefits you should gather this information. Better yet, consult with an experienced Social Security Disability attorney like Nancy Cavey who can help you gather the information and complete the forms correctly. What Is The Documentation Required For Social Security Disability? 1. The Disability Report SSA asks that you complete a disability report that will provide the SSA with information about your medical condition, the treatment you have...

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Three Myths That Every Social Security Disability Applicant Shouldn’t Ignore

Three Myths Social Security Disability Applicants

There are many myths that I hear from Social Security Disability Applicants. I am a myth-buster! Some of these myths include: Myth #1: My Social Security Disability Benefits will equal what I'm currently making. Fact: No! The amount of your Social Security Disability benefits is based on your earnings record but there is a maximum payment of $2,687.00 which changes every year. According to statistics the average currently monthly payout is $1,171.00. Even if you made a million dollars a year, your maximum Social Security Disability benefit would be $2,687.00. Myth #2: My Social Security benefits will start as soon as I apply. Fact: If...

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What Every Short Term Disability Applicant Needs To Know About Self Funded Benefits

Self Funded Short Term Disability Benefits

Did you know that there are two ways that an employer can fund short term disability benefits? The first is to purchase a short term disability policy and the second is to be self funded. In other words, the employer fund the short term disability benefits. However, the employer may self administer the program or hire an administrator. It's important to understand that many short term disability claims are denied at the get-go or cut off during the short term disability period. This is a strategy that's employed to make it harder to appeal a denial. Why? Many policy holders will give up and...

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Lupus Symptoms That Every Long Term Disability Carriers Expect To See In A Policy Holder’s Medical Records

Long Term Disability Policy Holder’s Medical Records Lupus

Lupus patients can have a long hard fight to get the long-term disability benefits they deserve. They key to winning long-term disability benefits for Lupus is in your medical records. What Your Medical Records Should Document About Your Lupus Your records should document the following symptoms and how they 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. How To Document Your Fatigue Fatigue is the most common symptom of...

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