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See How Easily You Might Be Entitled to Social Security Disability Benefits for Back Pain

Back pain can be caused by a number of conditions. For example, back pain can be caused by: An indefatigable disc injury such as a herniated disc. Injuries to ligaments and joints of your spine. Nerve irritation that causes you tingling and numbness down your buttocks, legs and even into your feet. Did you know that low back pain is the leading cause of disability in Americans under age 45? Statistics show that at least 4 out of 5 adults over 50 have low back pain at some point in their lives. If you have a herniated low back disc or injury to your spinal...

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If You Don’t Get Treatment while Your Social Security Disability Claim is Pending, You Will Hate Yourself Later

If you have applied for Social Security Disability benefits, the Social Security Administration will require you to show on going medical treatment. But what happens if you lose your health insurance coverage while your St. Petersburg Social Security Disability claim’s process is pending? We have, in St. Petersburg, a number of free clinics, a low income clinic and a health department. If you have a long history of treatment with a medical provider, your doctor may allow you to continue with medical treatment while you are filing for Social Security Disability benefits and are uninsured. Don’t let the loss of health insurance coverage...

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Are You Making a Mistake By Not Filing for Social Security Disability Benefits if You Have Chronic Obstructive Pulmonary Disease?

Chronic Obstructive Pulmonary Disease, COPD, is a general term for lung disease that can include conditions like chronic bronchitis, emphysema, and chronic asthma. Chronic bronchitis and emphysema cause excessive inflammatory process that leads to changes in your lung structure and can permanently obstruct your airflow. Unfortunately, both are permanent conditions that worsen over time. COPD also increases the workload of the heart. Since you have difficulty breathing, the amount of oxygen that goes to your blood may be reduced and that causes your heart to work even harder. If your doctor has told you that you are unable to work as...

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Are You Entitled to Social Security Disability Benefits if you Suffer From Psoriasis?

Psoriasis is a chronic skin condition that is characterized by red areas of inflammation. There is thickening, scaling and flaking of the skin. Psoriasis may be the result of your body’s inability to properly shed its skin. But did you know that non-psoriatic skin cells mature and shed every 28 days. Psoriatic skin cells move out to the surface of the body over a period of 3 to 6 days. This causes a rapid build up of unshed skin cells that results in the formation of legions. Psoriasis can develop on any part of your body and is thought to be a...

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What’s the purpose of having a vocational expert testify at a Social Security Disability hearing?

A vocational evaluator at a Social Security Disability hearing assists the Administrative Law Judge in determining whether or not there are “a significant number” of jobs you may be able to perform given your age, education, prior work experience and residual functional capacity. A vocational evaluator will also render an opinion as to whether or not you can return to your past relevant work which step four of the five step sequential evaluation. At step five you will be called in to discuss whether or not you have transferable skills to other work that might exist in the national economy. Attending the cross...

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ERISA and the 18 Mistakes That a Workers’ Compensation Claims Lawyer Can Make

In 1974, the United States Congress passed the Employee Retirement Income Security Act (ERISA), which is the statutory basis for welfare benefit plans, including group health and group disability plans. Many injured employees have ERISA disability policies, which provide either the payment of short term disability or long term disability benefits. ERISA litigation is a mixture of workers compensation, Social Security, contract law, medical and vocational issues. However, every workers’ compensation practitioner should know that ERISA is complicated and not for the faint of heart. ERISA’s Short Term Disability Claim Process Many employers will offer a short term disability policy that provides for...

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Social Security Administration Recognizes a Need to Get Your Medical Records to Make a Timely Decision on Your Claim for Social Security Disability Benefits

When you apply for Social Security Disability benefits the Social Security Administration will obtain a copy of your medical records from your physician. The longer it takes to get those medical records, the longer it will take for the Social Security Administration to make a decision on your Social Security claim. Social Security Commissioner Michael Astrue has reached an agreement with EHR Doctors to deliver electronic health records to the Social Security Administration so that they can quickly review Social Security Disability claims. Commissioner Astrue was quoted as saying that this technology “will improve our disability programs and provide better service...

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Inside Six Secrets to Getting the Right Long Term Disability Policy

Nancy Cavey, an ERISA long term disability attorney based in the Tampa Bay area has written the go to guide entitled Robbed of Your Peace of Mind, which helps explain some examples of getting the right long term disability policy. While there are many policy terms you do not want to see in a long term disability policy there are six features that make for a great long term disability policy: 1. A policy that pays disability benefits if you are unable to do your specific job. Many long term disability policies pay benefits based on a persons occupation not based on their...

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Learn How Easily Carriers Like UNUM Have Denied Mental Illness Claims

UNUM has been the subject of a national lawsuit as a result of it’s claims handling which is ultimately settled. But unfortunately, UNUM continues to engage in questionable claims handling process. Many UNUM policies have a provision that provides that the long term disability claims can be terminated under a mental nervous limitation. Most mental nervous limitations provide that benefits will be paid for two years at which time the benefits will be stopped. While we understand that policy limitation, what happens if the UNUM policy holder has a herniated disc which causes depression or anxiety. Obviously it's the physical condition that...

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Shocking Attack on Social Security Disability Benefits by the Former Director of the Office of OMD

In a shocking editorial by Peter Orzak, the former White House director of OMD, Orzak has created the image of the “disability claimant” arguing that there are people who qualify for SSI that have, until now, avoided applying because they were able to find work. Now that they have lost their jobs or cannot find work, people who have qualified for SSI are now taking legal advantage of their rights to get SSI. Orzak thinks that once you apply for Social Security Disability benefits you have “lost all the desire to work and just hang around in wheel chairs instead of...

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