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UNUM’s Current Tricks To Reduce Policy Holder’s Disability Benefits In Settlement Negotiations

Disability Benefits In Settlement Negotiations UNUM Policy

UNUM disability policies, like most disability policies, have an "other income" provision that allows the disability carrier to reduce the gross LTD benefits by the receipt of the policyholders Social Security Disability benefits and that of the policyholder's dependents. Unum has started offsetting dependent Social Security benefits to 19 years and 2 months.There is a Social Security Administration provision that allows children still in high school to receive benefits to age 19 and 2 months if they are continuing as a full-time student at a secondary or elementary school. Normally the benefits would stop at age 18 unless the child...

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What Every Long Term Disability Policy Holder Needs To Know About Experimental Treatment For Arrhythmia

Arrhythmia Long Term Disability Treatment

Those with arrhythmia have an electrical system which no longer maintains a regular heartbeat. A sudden frequent burst of a rapid heartbeat can result in sudden death. In fact, an estimated 320,000 Americans die of arrhythmia each year. Exciting New Arrhythmia Treatment News! Researchers at the Washington University in St. Louis have published a study in the New England Journal of Medicine about an experimental treatment that shows promise. Short bursts of radiation aimed at the heart help obliterate the cells of the heart that cause an electrical malfunction. The treatment requires weeks to take full effect but it appears to be...

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What Every Social Security Disability Applicant With Diabetes Needs To Know About Following Prescribed Treatment

Prescribed Treatment Diabetes Social Security Disability

The Social Security Administration will deny claims for diabetes if you aren't following your treating physicians recommendations. in fact, the SSA is required to evaluate your compliance with prescribed treatment if you're a diabetic.While there are certain circumstances that would qualify as a justifiable cause for not following prescribed treatment, complaining that you just can't get medical treatment isn't going to cut it. What Should I Do If I Can't Afford My Prescribed Treatment For Diabetes? You should do the following:- determine if you're eligible for the affordable care act,- go to www.healthcare.gov to see if you qualify for free or subsided...

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What Every Long Term Disability Applicant Needs To Know About Attending Physician Statement Forms

Attending Physician Statement Forms Long Term Disability

If you plan on applying for long term disability benefits, you should know that your physician will be asked to complete Attending Physician Statement forms (APS). These forms are specifically designed so that the right questions aren't asked about your particular medical condition. Why Are Attending Physician Statement Forms Important? The disability carrier doesn't want to pay your disability benefits. Worse yet, the APS forms are designed to lead your physician to render an opinion that you're capable of engaging in sedentary work.If you're in the "any occupation" stage of your disability claim, your ability to engage in sedentary employment will result...

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What Every Social Security Disability Applicant With Rheumatoid Arthritis Needs To Know About Meeting A Listing

Rheumatoid Arthritis Social Security Disability Listing

Rheumatoid arthritis, more commonly known as RA, is an autoimmune disorder that occurs when the immune system attacks membranes surrounding the joints.The symptoms of RA include:- joint pain followed by warming, stiffness, and swelling of the joints, in the hands and feet,- fatigue,- fever,- weight loss and- rheumatoid nodules.Rheumatoid arthritis can make it difficult if not impossible to work and your physician may have told you that it's time to apply for Social Security Disability benefits. What Do I Need to Know About Meeting A Listing For Rheumatoid Arthritis? The Social Security Administration (SSA) uses a 5 Step Sequential evaluation in determining...

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What Are Social Security Retirement Benefits?

Social Security Retirement Benefits Disability

Social Security retirement benefits, which are based on your age, are available to those who are at least 62 years old. You will have had to had worked 40 of the last 20 quarters or have earned at least 40 work credits.You can receive partial benefits beginning at age 62 and earn full benefits at age 65 or 67, depending on your date of birth.Your retirement benefits are funded by contributions that you make through payroll deductions. Can I Collect Both Disability and Retirement Benefits? Yes! Both disability and retirement benefits can provide you with an income when you are at least...

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Getting The Long term Disability Benefits You Deserve For Chronic Back Pain

Chronic Back Pain Disability Insurance Benefits Long Term

Americans spend over 50 billion dollars every year treating aching, sharp, burning, numbness and tingling back pain. If you have had those symptoms for more than six months, you have chronic back pain, however, disability carriers just don't understand how debilitating chronic pain can be. What should I do before I stop working and apply for benefits as a result of chronic back pain? While your doctor may have told you to stop working, you shouldn’t do so, until you do the following:Obtain a copy of your disability insurance policy. What is the standard for disability? Are there any limitations? Many...

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What Every Type One Diabetic Needs To Know About Their Disability Insurance Policy

Diabetes is a disabling condition that has terrible complications, including heart disease, stroke blindness, chronic kidney disease, amputation, and even death. This disease and or condition is something we see when dealing with long term disability insurance carriers in disability claims. What about type one diabetes? There are many complications with type one diabetes that disability insurance carriers simply don’t understand. These complications include the following:- 57% have eye problems - 13% have kidney disease - 60% have nerve damage - 50% have cardiovascular disease.I have found that Long term disability carriers simply don’t understand the complications of a type one diabetes claim. It is...

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What Every Long Term Disability Policy Holder Ulcerative Colitis Needs To Know About Getting Their Disability Benefits

Ulcerative Colitis Long Term Disability Insurance Claims Attorney

Ulcerative colitis long term disability insurance claims: is an inflammation and ulceration of the large intestine which causes thickening and scarring of the colon. Your colon cannot properly deal with the excess fluid from your feces and as a result, you may have abscesses around the anus, colon rupture or even develop cancer.If your doctor has told you to stop working and apply for long term disability benefits as a result of ulcerative colitis you should make sure that there is objective evidence of the diagnosis in your medical records this includes:Documentation of recurrent body stools and repeated examinations Persistent...

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What Every Long Term Disability Policy Holder With Bone Cancer Needs To Know Immediately

bone cancer long term disability insurance policy claims

Over 2,000 people in the United States are diagnosed with bone cancer every year, which begins in your bones. Unfortunately, it can spread easily and result in disability. When it comes to diseases like this, we are here to help. What do I need to know if I suffer from Bone Cancer? It is important that your physician diagnose the objective basis of the diagnosis of bone cancer.You should also make sure that your medical records explain your pain, location of your pain, intensity and frequency of your pain, unintended weight loss, fever, chills, night sweats, fatigue, and even fractures.These symptoms will...

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