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How Much Long Term Disability Coverage Should I Have?

How Much Long Term Disability Coverage Should I Have? The starting point for determining the amount of long term disability coverage that you should have is based on how much it would cost to maintain your families current standard of living. So, if your monthly budget is $3,000 per month, you want to have at least $3,000 in long term disability coverage so that you can maintain your families lifestyle if you become disabled. Have a question about your Long Term Disability policy or coverage? Give us a call today at 727-894-3188....

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Why Every Physician Should Make the Purchase of Having a Disability Insurance Policy Their Immediate Priority

Did you know that statistics show that 70% of Americans have no disability insurance coverage at all. In fact, 3 and 10 Americans become disabled at some point before they retire. And even more frightening is that 60% of all personal bankruptcies are filed as a result of an inability to pay for medical expenses for loss of the ability to work. As a physician, you may think that you are too busy to deal with a disability insurance agent or that there is any value in having a long term disability policy. Well, doctor, I hate to tell you...

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The Hidden Facts of Disability Infographic

From time to time, the overwhelming statistics of disability in the United States can be shocking. Below you will find an infographic by our law office to help demonstrate the statistics of disability you might not have known. Be sure to share it with your friends, to get the word out about how disability can effect everyone in your life. Hit the share button to post it on Facebook , Twitter , or other social media sites. You will find the buttons below the infographic. To Share this infographic Embed this infographic on your own site: [Source: Law Office of Cavey & Barrett] This...

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Social Security Disability and Your Rights to Disability Benefits as a Result of a Stroke

If you have suffered a stroke, you may have cognitive problems, motor function difficulties and problems with speech or communication. The Social Security Administration uses a five step sequential evaluation to consider every Social Security Disability application involving stroke victims. At step three of the five step sequential evaluation, you may be entitled to Social Security Disability benefits if you meet a listing. Did you know that stroke is considered under 11.04 Central Nervous System Vascular Accident? The Social Security Administration requires the following: 1. Stroke residuals will be evaluated at least three months following a stroke. 2. You must demonstrate: a. ineffective speech or...

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If You do not Understand Your Rights to Social Security Disability Benefits as a Result of Carpal Tunnel Syndrome, You will Hate Yourself Later

Did you know that carpal tunnel syndrome or CTS, is a repetitive strain injury of the carpal tunnel area of your wrist. What happens? The connective tissue in your wrist becomes enlarged and inflamed resulting in the pinching of a nerve that runs from the tunnels of bones to ligaments in your write to the fingers of your hand and the base of your thumb. That pinching will cause: A sensation or tingling, burning and even numbness in your fingers. Loss of dexterity of your hand and grip strength. Locking of your finger joints. Swelling and inflammation of your fingers. Pain It is not easy to win...

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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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