How to Handle the Carrier’s Stalling Tactics and Delay In Making A Decision On Your Disability Claim Or Paying Your Continuing Disability Benefits It isn’t uncommon for an ERISA or private disability carrier to stall and delay in making a decision on your claim or to pay your continuing disability benefits. After all the carrier […]
If You Are A Professional, Why You Should Have Attorney Nancy Cavey Prepare Your Initial Application Doctors, lawyers, accountants and others with advanced degrees purchased a disability policy to protect their income and lifestyle. Disability carriers regularly dispute a policyholder’s occupation (despite what the policy says), pre-disability income, limitations on the ability to perform the
Initial Application Preperation For Professionals Read More »
If you have purchased a disability policy and are no longer able to work or your physician has told you to stop working, it is time to apply for your benefits. But picking the wrong date to stop working can destroy your claim. Pre-existing Medical Condition Clauses Many disability policies include a clause that says
When Should I Apply For Short Or Long Term Disability Benefits? Read More »
Before you stop working or apply for benefits, get a copy of your disability policy and read it cover to cover. There are many traps in disability policies and limitations on coverages that you must understand before your stop working or apply for benefits. In my book, “Everything You Need to Know About Your Long
What You Must Do Before You Stop Working Read More »
Did you know that nearly 1 in 5 people living in the United States have a disability for over a year or until they reach the age of 65. Physicians see on a day in and day out the devastating impact of injury or illness. Unfortunately, many physicians don’t have long term disability insurance or
The Ugly Truth About Why Every Physician Should Have Disability Insurance Read More »
The Social Security Administration doesn’t make it easy for those who are disabled to get the Social Security benefits that you deserve. However, if your productivity at work is reduced by 15 to 20% because of a physical medical condition, you have a good chance of getting your Social Security disability benefits. What Do I
One way to qualify for Social Security disability benefits is to prove that your medical condition prevents you from doing substantial work on a continuous and sustained basis. If your medical condition has reduced your productivity by at least 15% of the acceptable level, you have a better chance of getting your Social Security disability
It’s crucial that your doctor support your claim for Social Security disability benefits. You should lay the ground work with your physician as quickly as possible as that is the key to getting the disability benefits that you deserve. You should tell your doctor the symptoms you have as a result of your medical condition.
Many times long term disability policies require that the policyholder applies for Social Security Disability benefits (SSDB). The policy will also provide that if you don’t apply for the benefits, the carrier has the right to reduce your disability benefits by what you or your dependent relatives would have received in your Social Security benefits.
Call Us Now
Email Us Now