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Social Security Disability Offsets and Your Long Term Disability Policy

Did you know that most long term disability policies have a Social Security Disability benefit offset provision? That means that you are, by the terms of your disability policy, required to apply for Social Security Disability benefits. And, once you are approved for those benefits, you need to pay back the insurance company the “overpayment”. The overpayment is the difference between your gross long term disability benefits and your Social Security Disability benefits. That can mean that your monthly benefits are reduced to something called a minimum mandatory payment which is generally one hundred dollars per month, or 10% of...

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What are Long Term Disability Benefits?

You can purchase a long term disability policy that will pay a percentage of your income when you cannot work due to health reasons. Some employers offer long term disability benefits to their employees which will be covered under the Employer Retirement Income Security Act (ERISA) while others purchase policies on their own.If you can afford it, you are far better off to purchase your own individual disability policy because if you need to file a claim to collect those benefits, you have more legal rights with a private disability insurance policy. When do Long Term Disability Policies Pay Benefits? Most long...

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Six Reasons Why You Want to Supplement Your Group Coverage with an Individual Disability Income Policy

You may have a false sense of financial security if you only have a group long term disability insurance policy. Individual disability policy attorney Nancy Cavey suggests that you supplement your group coverage with an individual disability policy so that you can have financial peace of mind. Did you know that: 1. Most employer sponsored group plans provide a benefit of 60% of your base salary up to a maximum monthly amount. 2. An individual disability policy can protect the portion of your income not covered by a group plan and will generally cover 80-90% of your total compensation, including...

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Screening Guidelines for Diabetes

Diabetes can be a disabling condition that prevents an individual from working for a long period of time. During this period of illness, treatment and recovery, long term disability benefits maybe available to offset your lost wages.The Diabetes Advocacy Alliance, a diverse coalition of 18 have come to together to change how America approached health burdens imposed by diabetes.According to Martha Ringer, Chief Advocacy Officer, for the American Association of Diabetes Educators. Diabetes “Is a public health crisis that threatens to overwhelm our health system…some 79 million Americans are on the verge of diabetes and another 7 million have undiagnosed...

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Diabetic Neuropathy and Your Rights to Social Security Disability Benefits

While many people think of diabetes as a painless condition, millions of diabetics suffer from tingling toes or painful feet. High blood sugar can cause injury to the nerves and blood vessels throughout the body. The first nerves that are affected are the smallest ones furthest away from your spinal cord. Those nerves will stretch to the toes and your feet where it can cause a constant burning feeling in the feet. This problem, called diabetic neuropathy, can completely rob your feet of the ability to sense pain.If your doctor has told you that you have diabetic neuropathy, you may...

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Changing the Date You Are Claiming Entitled to Social Security Disability Benefits

Date of Claims

Unfortunately, many unrepresented Social Security Disability claimants’ often pick a “date of onset” for their Social Security Disability claim that leads to denial after denial by the Social Security Administration. Unfortunately, many disabled workers may have stopped working on a certain day because of an on the job injury or an occupational disease and, that does not mean that the Social Security Administration will find that you that you will receive disability benefits from that date.Sometimes, there are medical conditions that disable you from working that will become totally disabling months or even years after you stop working. As a...

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Where Should You Have Your Angioplasty?

The American Heart Association has conducted a study and has determined that smaller hospitals are just as safe as large ones for elective Angioplasty. An Angioplasty will open up clogged arteries with a balloon or prop them open with mesh like stents.In the past, many patients have had to travel long distances for Angioplasty or stents. Dr. Thomas Aversano, Associate Professor at Johns Hopkins Medical Institute in Baltimore conducted this study that “may bolster programs that offer Angioplasty at community hospitals, some of which only offer the procedure only during emergencies such as heart attacks” (http://yourlife.usatoday.com/health/medical/story/2011-11-14/angioplasty).If you have purchased an...

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Tampa Bay Social Security Disability Attorney Urges Congress to Repair the Social Security Disability Trust Fund

social security disability trust fund

A Social Security Trustee’s Report recently revealed that the Social Security Disability program is projected to exhausted its Trust Fund in 2016, according to a recent article in the Washington Post.The Social Security program is funded through worker and employer contributions through payroll tax and, legally, the plan is prohibited from running a deficit.In 2010 some 8.2 million workers or 5% of the working population were receiving Social Security Disability payments.The Social Security Administration doesn’t make it easy for those who are disabled to get their Social Security Disability benefits. If your Social Security Disability claim in the Tampa Bay...

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How Do I Calculate my Past Due Social Security Disability Benefits?

Once you are awarded Social Security Disability benefits, you will entitled to a monthly check from the United States Treasury. Additionally, most people also get a bigger first check which represents their “past due benefits”. After you have been found to be eligible for Social Security Disability benefits, there is a five month waiting period before you become entitled to those benefits. The Social Security Administration will calculate the amount of past due benefits from the five month waiting period through the date of the award and will issue a check in a lump sum.For more information on your past...

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What Are Exertional Limitations in a Social Security Case?

Exertional limitations are limitations on the ability to sit, stand, walk, lift, push and pull. Any other limitations are called non-exertional impairments.The amount of exertion or effort is key to determining whether you are entitled to disability benefits. Why? The Social Security Administration uses a Five Step Sequential Evaluation. At Steps Four and Five of the Five Step Sequential Evaluation, the Social Security Administration must determine the physical exertion level of the lightest job that you have ever had and determine what your current level of physical functioning is. Any work that requires very little effort or exertion is considered...

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