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Medical Vocational Guidelines and Transferable Skills | Social Security Disability Claims

What: Medical Vocational GuidelinesThe Social Security Administration uses a grid process to determine whether or not your skills transfer to a job within your physical abilities that exist in significant numbers in the mythical national economy.For example if you are 50 years or older and are limited to sedentary work you will win or lose your Social Security Disability case based on whether or not you have transferable skills to sedentary.On the other hand, if you are 55 years or older then the rule extends to light work. You will win or...

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I am reducing my hours at work and wonder when should I apply for long term disability benefits?

I am reducing my hours at work and wonder when should I apply for long term disability benefits?Every disability policy has what is called an "elimination period" and "notice" provision and, to answer that question, you need to get your policy and look at those provisions. Some policies say you have to give notice of claim when you start reducing your hours and others say you can wait.There is no standard disability policy! Nancy Cavey, an experienced long term disability lawyer based in the Tampa Bay area, can hlep you understand your policy...

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What happens after I file my claim for disabilty insurance with my long term disability insurance carrier?

What happens after I file my claim for disabilty insurance with my long term disability insurance carrier?After you have filed your initial claim for disability benefits, the disability insurance carrier will contact you by phone or in writing to acknowledge they have gotten your claim. If you are called by the carrier, do not give a statement or answer any questions. You might get confused by the disability adjuster's questions or give the wrong answer that can damage your long term disability claim. At Cavey and Barrett, we suggest that you have your...

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Spinal Cord Injury? Your Rights to Social Security Disability Benefits

Unfortunately, spinal injuries can occur as a result of auto accidents, truck accidents, motorcycle accidents, falls from scaffolding or even diving injuries into swimming pools. A spinal cord injury normally starts with a traumatic blow to the spine that fractures or dislocates your spinal vertebrae. Bone fragments, dismaterial, or ligaments bruise and tear into the spinal cord tissue. This can crush and destroy the nerve cells that carry cells up and down the spinal cord between the brain and the rest the body. Emergency care for people with spinal cord injuries is...

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I have just filed my claim for long term disability benefits. What happens next?

I have just filed my claim for long term disability benefits. What happens next?The long term disability adjuster will be assigned to your claim and will contact you in writing or by phone. You should not deal with the adjsuter without having a lawyer.St. Petersburg, Florida disability lawyer Nancy Cavey has written extensively about the mistakes you can make dealing with a long term disability insurance adjsuter. Yes, I know you think it is just a phone call and that you can handle a call from the disability insurance company. WRONG!You can read...

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I have filed my claim for long term disability benefits and the long insurance term disability insurance company is calling. What should I do?

I have filed my claim for long term disability benefits and the long insurance term disability insurance company is calling. What should I do?The Law Office of Cavey and Barrett are highly experienced long term disability/ERISA attorneys. Nancy Cavey has written a number of blog posts on what you should do when the long term disability carrier calls you. Remember, this is not a social call.The last thing Tampa Bay disability lawyer Nancy Cavey suggests you do is to speak with a long term disability adjsuter. You may innocently say something that could...

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Medicare Eligibility and Your Social Security Disability Benefits

Did You Know Medicare Eligibility is One of the Most Important Benefits in Receiving Social Security Disability? You become eligible for Medicare coverage 24 months after the Social Security Administration finds that you are entitled to monthly Social Security Disability benefits. It doesn’t matter how old you are! Medicare is a federally funded health insurance program for people age 65 and older as well as those with disability. As a Social Security Disability beneficiary you become automatically eligible for Medicare after a 24 month waiting period.The longer you delay in applying for Social Security...

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My doctor tells me to start reducing my hours. Should I apply for long term disability benefit/ERISA disability?

My doctor tells me to start reducing my hours. Should I apply for long term disability benefit/ERISA disability?Unfortunately, there is no hard or fast answer to that question. Each long term disability policy/ERISA policy has different provision about how long you have to be out of work or what kind of reduction in your hours and pay you need before you are eligible for long term disability/ERISA benefits.Long term disability lawyer Nancy Cavey, based in St. Petersburg, Florida, will remove any doubt from your mind in a no-obligation consultation. She will look at...

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Patty Duke Says File Your Social Security Disability Claim Online! | Social Security Disability Attorney

How many of you remember Patty Duke in the 1960’s TV series “The Patty Duke Show”? In an interesting new ad for the Social Security Administration, Patty Duke promoted using the Social Security Administrations online services. You can apply for Social Security Disability benefits online; there is no need for you to drive to the local Social Security office or wait to get an appointment.You can apply for Social Security Disability benefits online at www.ssa.gov.If you have questions about the Social Security Disability claims process contact Social Security Disability attorney Sharon Barrett based in...

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The long term disability/ERISA carrier wants me to be examined by their doctor. What should I do?

The long term disability/ERISA carrier wants me to be examined by their doctor. What should I do?Call long term disability/ERISA lawyer Nancy Cavey immediately! Most long term disability policies give the carrier the right to have you examined but at Cavey and Barrett we make sure the carrier doctor:1. Treats the same medical condition that disables you;2. Has all your medical records.We insist that all long term disability/ERISA insurance examinations are videotaped for your protection.If you have any questions about your long term disability/ERISA claim for disability benefits, call Pinellas County Attorney ...

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