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The Correct Way to Apply for Social Security Disability Benefits if you Suffer from Chronic Pain

Every Social Security Disability claim is evaluated using the five step sequential evaluation. If you are a chronic pain sufferer, you should apply for Social Security Disability benefits, but you should also understand how the Social Security Administration is going to evaluate your file. The most important parts of the five step sequential evaluation are steps three, four and five. At step three the Social Security Administration will determine whether or not your medical condition meets a medical listing of impairments. Unfortunately, there is not medical listing for chronic pain. For that reason, social Security Disability applicants with chronic pain are...

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Why Every Physician Should Make the Purchase of Having a Disability Insurance Policy Their Immediate Priority

Did you know that statistics show that 70% of Americans have no disability insurance coverage at all. In fact, 3 and 10 Americans become disabled at some point before they retire. And even more frightening is that 60% of all personal bankruptcies are filed as a result of an inability to pay for medical expenses for loss of the ability to work. As a physician, you may think that you are too busy to deal with a disability insurance agent or that there is any value in having a long term disability policy. Well, doctor, I hate to tell you...

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The Truth About How Long Term Disability Carriers Try to Clean Up Their Books

Unfortunately, many long term disability carriers try to clean up their books every quarter just before they have to make quarterly reports to their share holders. It’s not uncommon for many long term disability policy holders to get letters stating that their long term disability benefits were denied or terminated. If you’ve been denied long term disability benefits in Virginia or your benefits were terminate, the clock is ticking. You have 180 days to appeal the insurance companies decision to deny or terminate your benefits and many long term disability carriers are waiting for that clock to run out hoping that...

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Your Rights to Social Security Disability Benefits and Traumatic Brain Injury

The Social Security Administration uses a five step sequential evaluation to determine entitlement to Social Security Disability benefits. At step three of the five step sequential evaluation, the determination is to whether or not your medical condition meets what is called a specific impairment listing in the blue book. Section 11.1a of the impairment guide for traumatic brain injury lists the evaluation criteria for traumatic brain injury. Did you know that traumatic brain injury (TBI) is evaluated under convulsive, and non-convulsive epilepsy listings 11.02 and 11.03, a listing for central nervous- accidents (CVA) or stroke, 11.04, organic brain disorder listings 12.02. The...

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How to Win Your Social Security Disability Claim with Your Doctors Reports

Your doctor’s records can make or break your Social Security Disability claim. I am always asked whether a Social Security Disability applicant should get a letter from their physician in support of their claim. Well, often letters that doctors will submit will say “Ms. Jones is unable to work as a result of her disease and should be considered for Social Security Disability benefits”. The statement that “my patient is disabled and unable to work” is worthless and useless. The Social Security Administration is looking at your doctor’s records to determine your physical residual functional capacity. In laments terms, that’s the...

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How to Find Low Cost Health Care Options if You Are On Short or Long Term Disability Benefits

It is not uncommon for short and long term disability applicants to lose, at some point, their group health insurance coverage when they are terminated by their employer. It is important that you get medical care not only for the treatment of your disabling condition or you are generally required by the terms of the disability policy to prove on going treatment. If you find yourself uninsured and unable to afford health care while you are collecting long term disability benefits, you should consider the following low cost health care options: Enroll in community health centers. There are many community...

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Myofascial Pain Syndrome Disability

[vc_row][vc_column][vc_column_text]You may have fatigue or brain fog, your doctor may have diagnosed you as having a condition known as fibromyalgia or Myofascial pain syndrome. If you have been diagnosed with having fibromyalgia you should immediately apply for Social Security Disability benefits. If your fibromyalgia Social Security Disability claim has been denied, don’t give up, you should appeal the decision and any denial of the Request for Reconsideration. Don’t be discouraged, it is, unfortunately, very common for fibromyalgia Social Security Disability claims to be denied benefits at the initial and request for reconsideration stage. Many fibromyalgia Social Security Disability claims are won...

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The Dirty Secret about UNUM’s Disability Questionnaires

UNUM disability applicants will be asked to complete a number of questionnaires including an activity of daily living form. Do you think that UNUM is interested in your well being and that of your family by asking these questions. Absolutely not, long term disability carriers, including UNUM will deny disability benefits if you are capable of “sedentary” work. The US department of Labor defines sedentary work as the “ability to exert up to 10 pounds of force occasionally, spending most of the time on walking and standing on an occasional basis.” Long term disability carriers like UNUM will use activity of daily living...

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Six Most Common Reasons for Disability Insurance Policy Denials

You should protect your income, particularly if you are a small business owner or a professional like a doctor, lawyer or dentist. Before you apply for disability insurance policies, you should know the six most common reasons for your disability insurance carrier to say no to your disability application and refuse to cover you. These include: Your health, age or build High risk or uninsurable job Self- employment where you work out of the home. Working oversees Too much existing disability insurance coverage Not enough income If your disability application has been denied, you should sit down and have a conference...

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The Truth About Being Injured at Work and Your Rights to Social Security Disability Benefits

Not every person who is injured at work or on the job is going to be entitled to Social Security Disability benefits. Under the workers’ compensation law if your physician says that you are unable to work, you are entitled to a benefit called temporary total disability benefits. If your doctor says that you are unable to work while you are recovering and you are able to return to work to earn less that you were making at the time of the accident, you may be entitled to temporary total disability benefits. If your doctor says you are able to...

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