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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 polices, 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 with your agent to learn the...

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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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Lincoln Financial’s Quartly Dividend Revealed

In a recent news article, Lincoln Financial Group has filed a quarterly dividend. The cash dividend of $0.05 per share on the corporation's common shares and $0.75 per share on its $3.00 Cumulative Convertible Preferred Stock Series A. For more information about Lincoln Financial quarterly dividend, read the article here:  Lincoln National Corporation's Board of Directors Declares Quarterly Dividend...

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SSA Quickens Social Security Disability Claims for Wounded Warriors

In a recent news article that can be found on the Army.mil website, the Social Security Administration plans to quicken the process for our Wounded Warriors to claim their Social Security disability benefits. This is helping those who are on active duty, receive their Social Security disability benefits a lot quicker then before. Even those in the military can apply for SSD benefits and receive them even while receiving military pay....

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If Your Doctor Has Diagnosed Heart Failure and You Are Taking Medications that Cause Side Effects You May Be Entitled to Long Term Disability Benefits

Many Americans who purchased long term disability benefits to protect them in the event that they are unable to perform their occupation. If you haven diagnosed with heart failure, you may be entitled to long term disability benefits. To help manage your heart failure you should: Monitor you weight. Take medication as directed. Limit your salt and sodium intake. Don’t smoke. Stay active. Your doctor may prescribe medications to help you with your conditions. Usually these medications are ace inhibitors, diuretics, glycosides, angiotensin receptor blockers and beta blockers. Unfortunately, these medications can cause significant side effects which impair your ability to work. If your physician has told...

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Learn How You May Be Entitled to Social Security Disability Benefits for Reflux Sympathetic Dystrophy

Did you know that reflux sympathetic dystrophy, know as RSD, is a painful, chronic, muscular skeletal condition. While the Social Security Administration does not have a “listing” in the impairment listing manual you can, none the less, win Social Security Disability benefits if you have reflux sympathetic dystrophy. How do you do that? You need to focus on your functional limitations. So, for example, if you have problems with fatigue, brain fog, loss of muscle strength, you may be entitled to Social Security Disability benefits. However, your medical records need to be full of examples of your problems of functioning...

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I lost my group insurance, how do I get medical treatment while I am waiting for my Social security Disability decision?

At Cavey and Barrett we know that getting medical treatment is crucial to your recovery and to your Social Security Disability claim. You can receive health care from your county health department at the following organizations: 1. Pinellas County 2. Hillsborough County 3. Sarasota 4. Citrus County 5. Hernando County 6. Polk County ...

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Your Rights to Social Security Disability Benefits and Vision Loss

The Social Security Disability system does provide for the payment of Social Security Disability benefits for vision loss. The Social Security Administration has created a “listing book” which creates criteria for a number of known impairments. Unfortunately, the Social Security Administration really does not have any listings that specifically address low vision loss, mass immaculate degeneration and diabetic retinopathy. There is a listing 2.02 which involves visual accueil which is similar to vision loss. However, most people who are entitled to Social Security Disability as a result of vision loss are approved at steps four and five of the five step Social...

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