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How to Calculate Your Long Term Disability Benefits and the Insurance Carriers Right to a Social Security Offset

Did you know that many long term disability policies are written so that the long term disability insurance company gets to reduce your long term disability benefits by the receipt of “other income” which can include your Social Security Disability benefits, your family member’s Social Security Disability benefits and even workers’ compensation benefits. But it’s worse! Not only does the short or long term disability insurance company get to reduce your monthly long term disability benefits by your monthly Social Security benefits, they will often sue you to recover your back long term disability benefits arguing that you have been...

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If You Don’t Plan for Your ERISA Long Term Disability Benefits to be Reduced by the Receipt of Social Security Benefits, You’ll Hate Yourself Later

A long term disability policy is supposed to provide you with peace of mind. Unfortunately, many long term disability insurance  policies have a clause in the policy which allows the long term disability carrier to reduce your long term disability benefits by the receipt of Social Security Disability benefits and even other income such as workers compensation.If, for example, you make $24,000 before you became disabled, your pre-disability income was $2,000 per month.Long term disability benefits normally pay 60% of the pre-disability income and in this case, the gross monthly LTD benefits would be $1,200. That sounds okay but if...

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Why does the long term disability carrier have the right to reduce my long term disability benefits by the receipt of Social Security benefits?

FAQ: Why does the long term disability carrier have the right to reduce my long term disability benefits by the receipt of Social Security benefits? Answer: Great question! Unfortunately, many long term disability carriers have a clause in the insurance contract that says that the long term disability carrier gets to take advantage of your favorable Social Security decision. That means they can ask for a repayment of overpayment of benefits and reduce your future long term disability benefits. They get you coming and going.Florida long term disability attorney Nancy Cavey, has written Robbed of Your Peace of Mind, which explains the...

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Help Raise Awareness for Cardiovascular Disease for Women by Wearing Red!

Today, the American Heart Association encourages people around the nation to "Go Red for Women" and wear red for National Wear Red Day to raise awareness of cardiovascular disease in women. Cardiovascular disease kills approximately 500,000 women each year. For details, visit www.ct.gov/dph and www.americanheart.org.We support this great cause! ...

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I’m 58 years old, am I old for Social Security Disability claim’s purposes?

Well, the answer is yes. The Social Security Disability claim’s evaluation process using something called the grids, which are a medical and vocational framework for determining based on age, education and transferable skills whether someone is entitled to Social Security Disability benefits.If you look that the grids, you will find that people who are 50 years or over, find it easier to meet the grid listing than those who are under 50. Why? Well, you know the saying: it’s hard to teach old dogs new tricks. The reasoning behind the grids is because it is harder to transfer one’s work...

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Guardian Life Insurance Has New Senior Vice President

According to IBR.com, "Guardian Life Insurance Company of America has appointed Dong Ahn as new senior vice president to lead group benefits business.Ahn will play an integral role in continuing Guardian's non-medical growth and play a key role in advancing the company's group insurance strategy.He will join Guardian with over 20 years of experience in the insurance industry, most recently leading Aetna's group insurance division, where he was responsible for the group insurance division consisting of group life, disability and long term care business."Dong Ahn was formerly apart of Hartford Life Insurance.We represent claims of denied  claims against Guardian Life Insurance....

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Florida Social Security Disability Backlog Skyrockets

Unfortunately, Florida’s economy has made it difficult for many employers to keep on their payroll employees who have physical problems. They simply can’t afford to continue accommodating people that may have problems with their back, or other medical conditions that limit their ability to function in the workplace.As a result, there has been a significant increase in the number of Social Security Disability claims in Florida. The Social Security Administration statistics show that 149,044 initial disability claims were filed in Florida in 2007. Even more shocking is that by 2009, the number had increased to 197,960 claims. Applications for Social...

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The Long-term Disability Carrier is trying to talk with my treating physician behind my back. What should I do?

Unfortunately, it's not uncommon for the long-term disability insurance company to use the medical release which you signed to communicate directly with your treating physicians without notice to you. They will also tell your treating physician their version of your medical condition and your policy terms in an attempt to get the physician to release you to some form of employment.In the case of Safon v. Wells Fargo & Company, Long-term Disability Plan, 522 F.3d 863 (9th Cir. 2008), The court noted that the ERISA regulations call for a "meaningful dialogue" between the claims administrator and the beneficiary. The court...

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If You Don’t Understand Your Rights to Social Security Disability Benefits as a Result of Obesity, You Will Hate Yourself Later

Did you know that obesity is linked to many health problems such as diabetes, heart disease, hypertension, cardiovascular disease, stroke and cancer?Did you know that one in five adults is obese and suffers from at least one chronic medical condition as a result of that added weight?If you suffer from diabetes, heart disease, hypertension, cardiovascular disease, or cancer you may entitled to Social Security Disability benefits if your physician tells you that you are unable to work. We specialize in Social Security Disability claims and obesity, give us a call today at 727-894-3188....

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Breast Cancer and Your Rights to Social Security Disability Benefits

We were all recently moved by Elizabeth Edwards posting before her untimely death that was a result of breast cancer.If you have been recently diagnosed as having breast cancer, you may not be able to continue with your normal work activities. If your physician believes that you will be out of work for at least a year, you should immediately apply for Social Security Disability benefits.Facing the diagnosis of breast cancer can be devastating and your attention is, rightfully, focused on getting the right treatment for you. However, it is important that you also apply for Social Security Disability benefits...

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