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How Much Long Term Disability Coverage Should I Have?

How Much Long Term Disability Coverage Should I Have? The starting point for determining the amount of long term disability coverage that you should have is based on how much it would cost to maintain your families current standard of living. So, if your monthly budget is $3,000 per month, you want to have at least $3,000 in long term disability coverage so that you can maintain your families lifestyle if you become disabled. Have a question about your Long Term Disability policy or coverage? Give us a call today at 727-894-3188....

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Who Is Watching Your Child Infographic

Below you will find a cool infographic about how daycare type businesses deal with watching your kids from Arizona Personal Injury Lawyer Alexis and Mark Breyer of the Breyer Law Offices. It takes a very scary concept it makes it easier to understand. With back to school approaching, make sure you know who is watching your kids.   Breyer Law Asks: Who Is Watching Your Kid? Click Here for More ...

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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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The ABC Formula for Interstitial Cystitis Sufferers who are Applying for Social Security Disability Benefits

Interstitial Cystitis causes chronic recurring pain in the bladder and pelvic region. Symptoms include pelvic discomfort, frequent and urgent need to urinate and symptoms of pressure burning and pain. If you have been diagnosed or suffer from Interstitial Cystitis, you should apply for Social Security Disability benefits. Many Social Security Disability Interstitial Cystitis claims are denied at the initial claims stage or request for reconsideration. If you have denied, appeal and find an experience Interstitial Cystitis Social Security Disability attorney such as Largo Social Security Disability attorneys Cavey and Barrett. The Social Security Administration will use a five step sequential evaluation...

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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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The Step by Step Formula to Speed Up Your Social Security Disability Claim

Did you know that it takes almost 16 to 18 months to work your way through the Social Security Disability claims process? First, you start out with an initial claim for benefits which, more often that not, is denied. You then have to file a request for reconsideration within 60 days of that initial denial and, unfortunately, once again, most Social Security Disability applicants claim for Social Security Disability benefits is denied at the request for reconsideration stage. For those who are determined to get their Social Security Disability benefits (and you should) you should be filing an application for...

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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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