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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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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 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 incomeIf 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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