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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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Can long term disability Carriers sue me for a refund of my long term disability benefits?

Can long term disability Carriers sue me for a refund of my long term disability benefits? Unfortunately, one of the techniques that long term disability carriers seem to be using these days is to terminate long term disability benefits and then attempt to sue policy holders asking for a refund of benefits. Saying that they were “defrauded” This is just one of the many games that long term disability carriers will play to rob you of your peace of mind. If the long term disability carrier is seeking a refund of all the long term disability benefits paid, contact long term disability...

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The Two Ways to Submit a Winning Social Security Disability Application

You can apply for Social Security Disability benefits online or at the Social Security Disability office. Regardless of where you apply, there are two secrets to creating a Social Security Disability application. You should supply complete information about your medical treatment sources including their name and address. After your Social Security Disability claim is taken at the St. Petersburg Social Security Disability office, it is transferred and assigned to a disability examiner. The job of the examiner is to do: Request your medical records. Wait for your records to arrive. Read and evaluate those records. Render a decision on the claim. You medical records are key to...

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Can a Long Term Disability Carrier in Florida Take my Social Security Disability Benefits that I Receive in a Lump Sum?

Can a Long Term Disability Carrier in Florida Take my Social Security Disability Benefits that I Receive in a Lump Sum? No! In Herman vs. Metropolitan Life Insurance Company (689 f supp 2d 1316 (MD Florida 2010)), Ms. Hermann did not have to pay back Metropolitan Life’s claimed lien resulting in her receipt of Social Security Disability benefits. Ms. Herman had “dissipated” or spent the long term disability benefits that had been paid in the past, she had no traceable funds in her possession. The only recovery that Metropolitan Life could potentially make was from Social Security benefits. However, by law,...

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