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My doctor tells me that I can’t work anymore. What steps should I take before I stop working?

My doctor tells me that I can't work anymore. What steps should I take before I stop working?Get your long-term disability insurance policy (LTD) out and start to read.First, make sure that the condition preventing you from working is covered under your long-term disability policy. For example, if your policy doesn't pay benefits for fibromyalgia or only pays for 24 months, you better know that before you stop working.Secondly, look to see if there are any clauses in your policy that say benefits won't be paid unless you work for certain time before you...

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Herniated Discs and Oreo Cookies | Common Disability Injuries | Disability Lawyer in Florida

Think of your spine as a stack of Oreo cookies discs are like the cream in the Oreo cookie, discs allow for flexibility of your spine.If you take an Oreo cookie on press down on the cookie with your fingers the cream will bulge out of the cookie. That’s like a bulging disc. If you squeeze hard enough on the Oreo cookie, the cream will squirt out, that is like herniating your disc.The causes of disc bulging and herniation can include:1.     Age2.     Sudden violent movements3.     Work injuries4.     Sports injuries5.     Motor vehicle injuries6.     Repetitive ripping...

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What if I am a public employee?

What if I am a public employee?ERISA excludes local, state, and federal employees from coverage. For those covered under a private plan, the claim for the denial of benefits is going to be a claim for the breach of a contract and can be tried by jury in a state court system.The term “disabled” is defined in the policy, and the jury will be asked to determine if the claimant is disabled. Evidence is allowed to be brought in from outside of the “administrative record”. It is essential that you contact an attorney if...

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What is Social Security Disability Insurance | Social Security Disability Lawyer in St. Petersburg

Did you know that Social Security Disability Insurance is a disability benefits insurance program provided by the Social Security Administration? This program offers money benefits to individuals who have worked twenty out of the last forty quarters so that they have become insured and eligible for disability payments if they become unable to work for over a year.Social Security Disability benefits are not designed for people who have had a short-term illness that has kept them out of work less than a year. The Social Security Disability benefits are designed to provide...

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Social Security Disability Applications Rejected Every Year | Port Richey Social Security Disability Lawyer

Over 2.5 million applications for Social Security Disability benefits are rejected by the Social Security Administration every year. Your initial application for disability insurance is reviewed at the state level and statistics show that over 90% of these claims are rejected at the initial level and at the Request for Reconsideration level. To increase your chances of success at the hearing stage, Port Richey Social Security Disability benefits denied Lawyer Sharon Barrett, recommends that you obtain legal representation in your Social Security Disability claim.The Social Security Administration sets a standard attorney fee rates at 25%...

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What does ERISA do?

What does ERISA do?ERISA, an Employee Retirement Security Act enacted in 1974, requires employers to provide participants with information about the plan, plan funding and important features. This information is to be provided regularly and automatically. Information can be available free of charge or it can cost money.ERISA also sets the standards for employers for benefit accrual and funding rules. It is defined by the law as when an employee becomes eligible to participate in a plan, accumulate benefits, and have a right for those benefits. The funding of plans is also controlled by...

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Can I Work and Still Collect My Social Security Benefits?

The Social Security Administration provides work incentives that allow people to work and collect Social Security Disability benefits at the same time. This is called a trial work period and during that period you can keep what you earn and still collect benefits. However, you have to report your work activity to the Social Security Administration and continue to have a disabling impairment.The Social Security Administration lets you accumulate nine months of earnings in a sixteen month time period, it does not have to be consecutive. The Social Security Administration will consider your work ...

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Five Tips to Winning Your Chronic Fatigue Syndrome and/or Fibromyalgia Social Security Benefit Claim | Tampa Bay Social Security Disability Lawyer

Nancy Cavey, Social Security Disability attorney, knows how difficult it can be for someone who suffers from chronic fatigue syndrome or fibromyalgia to win a Social Security Disability case.There are five tips to winning a chronic fatigue/fibromyalgia denied Social Security Disability case:1. Being treated by a specialist in chronic fatigue syndrome and fibromyalgia. Administrative Law Judges and the Social Security Administration are skeptical of claims that are based on a diagnosis of chronic fatigue syndrome or fibromyalgia made by physicians who don't specialize in the disease. At Cavey and Barrett, we find greater success in cases where...

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Science Express Identifies Link Between XMRV Retrovirus and Chronic Fatigue | Florida Social Security Lawyer

Judy Mikovits, research director of Whittemore Peterson Institute at the University of Nevada Reno, is co-author of a study just published in the journal Science Express that identifies a strong link between XRMV Virus and chronic fatigue syndrome.Over two thirds of the one million people in the United States who suffer from chronic fatigue are infected with XMRV. This study examined the blood samples from 101 chronic fatigue patients and compared them from samples of 218 healthy people. Over 67% of chronic fatigue sufferers had XMRV compared with less than 4% of the...

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