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When will you be eligible for Medicare?

Question: When will you be eligible for Medicare? Answer: If you receive Social Security Disability benefits you will get Medicare Part A and B after being on Social Security Disability benefits for 24 months. Social Security will automatically put you on Medicare and you should get a letter about that three months before your Medicare coverage starts. ...

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How often does the Social Security Administration review Social Security Disability awards to HIV patients?

How often does the Social Security Administration review Social Security Disability awards to HIV patients? Answer: Modern day anti-retroviral (ARV) therapy, can offer improve the health of HIV positive Americans. Since there is clinical improvement over a period of one to two years. The Social Security Administration appears to be reevaluating Social Security Disability recipients with HIV every three years to determine if there has been any improvement in their condition....

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You May Be Entitled to Social Security Disability Benefits if You Have Suffered a Stroke

Did you know that stroke is one of the leading causes of long term disability in the United States? Nearly one quarter of strokes occur in people under that age of 65, and surprisingly 55,000 more women a year than men have a stroke. This risk is increased in women over 30 who smoke and take high estrogen oral contraceptives. If you have suffered a stroke, you may be entitled to Social Security Disability benefits. To learn about the Social Security Disability claims process, you can order a complimentary copy of Your Rights to Social Security Disability Benefits. Strokes can happen to...

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Is the Social Security Administration going to revise the HIV disability requirements?

Is the Social Security Administration going to revise the HIV disability requirements? Are they going to revise it? We hope so! The Social Security Administration asked the Institute of Medicine (IOM) to review the criteria the Social Security Administration uses to evaluated HIV related Social Security Disability claims. IOM in a report, issued on September 20, 2010 says that HIV infection listings establish in 1993 are outdated and should be revised. IOM has made recommendations, which are currently be considered by the Social Security Disability Administration....

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The Long Term Disability Carrier asked me where I filled my Prescriptions, why?

FAQ:  The Long Term Disability Carrier asked me where I filled my Prescriptions, why? Answer: Great question! Long term disability carriers have access to investigators who will canvass pharmacies near your home to determine whether or not you are getting your prescriptions filled and, what prescriptions are getting filled. Since you’ve signed a medical release they’ll use your release to get that information. At Cavey and Barrett, we restrict our clients signature on medical releases to prevent just this kind of abuse....

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What is a Consultative Examination in a Social Security Case?

What is a Consultative Examination in a Social Security Case? A: If your medical records don’t document your disability, a Social Security Disability examiner may schedule you for what is called a consultative exam (CE). A consultative exam is an evaluation by a physician or psychologist, picked by Social Security to assist them in assessing your medical condition and functional limitations. If you have your own primary care doctor, it is probably better to ask Social Security to designate your doctor as the consultative exam. If you don’t have a doctor or your doctor will not cooperate or the medical records simply don’t...

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Our Congratulations Letter for the Welcome Package for New Clients

When you become our client, we will mail you an information packet with a letter that will go a little something like this: Congratulations, you’ve made the right decision to hire Cavey and Barrett to help you with your long term disability claim. It wasn’t easy, but you’ve seen the light! You’ve taken the first and most difficult step, you’ve found the courage to come in and face the long term disability carrier to get the disability benefits you and your family deserve. Cavey and Barrett are your trusted and respected guides for you and your family on the way to getting...

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No. 2 – My spouse is working. Will their income affect whether I’m entitled to Social Security Disability benefits?

If you're applying for SSI disability benefits and your spouse works, this may prevent you from getting SSI. If you get SSI, the amount earned by your spouse can potentially reduce the amount of your check. However, if you're applying for Social Security Disability benefits (SSDI), then your spouse's earnings have no effect on your claim. It won't impact your eligibility to apply for disability benefits, to get disability benefits or have any impact on the amount of your benefits. Answering these broad-based questions isn't easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney...

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Dental disability insurance is essential.

If you become disabled and are unable to work, dental disability insurance is essential to help you maintain your current practice. According to a recent survey, nearly half of one million people who filed for bankruptcy in the United States did so because of an illness or an injury. If you're involved in a car accident, suffered a sports injury, or have any other painful condition, you may be unable to continue your practice and be forced to close or even sell your practice. It's essential that you find a disability plan that meets your occupational needs. Determining which policy is...

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What is an ERISA Disability Attorney?

Most Long Term Disability policyholders have bought their Long Term Disability policy through their employer. The employer Retirement Income Security Act usually governs these types of policies unless it is church based or municipal plant based. The ERISA law, unfortunately, is a maze for the uninitiated. You can submit your initial application for benefits together with supporting documentation including medical records. Most people naively expect that the Long Term Disability carrier will immediately begin the payment of benefits because, after all, their treating physician has said they are unable to work. Unfortunately, the reality is...

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