Top 7 Social Security Disability Blunders: How Honest Hardworking Texans Destroy Their Entitlement to Social Security Disability Benefits

Size: px
Start display at page:

Download "Top 7 Social Security Disability Blunders: How Honest Hardworking Texans Destroy Their Entitlement to Social Security Disability Benefits"

Transcription

1 Top 7 Social Security Disability Blunders: How Honest Hardworking Texans Destroy Their Entitlement to Social Security Disability Benefits The social security disability assessment system was designed to be claimant-friendly, and to allow disabled workers to pursue their own claim. It was intended to be free of pitfalls and traps for the unwary. But every day of my professional life I talk to hard-working, honest Texans who should be entitled to social security disability benefits, but have made honest mistakes in their disability case that have virtually destroyed their chances of receiving social security disability benefits. No one warned them about the devastating consequences of their actions, or inaction. By the time they call me, the damage often times has already been done. In making this harsh indictment of the social security disability assessment system, I do not mean to denigrate the social security administration (SSA) or the many government workers at SSA that are well-meaning and want to help disabled workers. But the social security disability assessment system is a big bureaucracy, and it seems bureaucracies can have a life of their own. No one at SSA want to get you, but it does seem that the system works to tell you no, get you out the door, and make sure you don't come back again! It is my earnest hope that you, as someone considering social security disability, will take my comments to heart. It is not intended as legal advice because I do not know your exact circumstances. I hope you will respond to this booklet by calling competent legal counsel. I am available to talk to you at no charge at If you don't talk to me, talk to a qualified and competent attorney immediately.

2 Blunder #1: Failing to Understand the Consequences of Not Appealing a Social Security Disability Denial Over the last 20 years of handling social security disability claims in Dallas Fort Worth & North Texas I have heard from a lot of claimants who just received their social security disability denial. The emotions seems to run the gamut some claimants are in tears, and others are red hot with anger. Most feel rejected and hurt. They feel betrayed by their own government. They have paid for social security disability insurance through their hard work, but now that they need the insurance benefits they have paid for, they are denied. Receipt of a social security disability denial is a moment to remember, and it is point where you are very vulnerable. Most of us make poor decisions when emotions run high. And over the years, I have witnessed many of these bad decisions. A social security disability denial states that you have 60 days to appeal the denial if you disagree. There is a deadline for appealing the social security denial. SSA will NOT accept an appeal outside the 60 day period unless you establish good cause for missing the denial. What is good cause? I can tell what it is not. It is not that you got mad

3 and torn up the denial letter, or that you left it at your friend s house, or that you lost it, or that you misunderstood what the deadline date was. It is not that you changed your mind and decided to appeal after the deadline has passed. It is not that you talked to me on day 66 and only then did you understand the importance of appealing. It is not even that you did not receive the denial because you moved but had failed to tell SSA about the new address. SSA generally finds that you have good cause for missing a denial appeal deadline, and therefore will accept your late appeal, only if you were incapacitated or hospitalized during the appeal period. Very few people are in the hospital or otherwise incapacitated for 2 months. Moreover, there is no right to appeal an SSA decision that you did not have good cause for missing a deadline. You are totally at the mercy of SSA if they find you did not have good cause for missing an appeal deadline. I hope I have convinced you that when Uncle Sam says you have 60 days to appeal, he means it. Yet a social security disability claimant can always re-file, right? That is correct. But it is a different claim, and addresses a different period of disability. This is where claimants get into trouble, and I need to talk like a lawyer for a while to fully explain it. It is, however, very important.

4 Let s talk about what the social security disability denial really says. For that, let s take a simple illustration: Joe Texas files for SSDI on 1/1/10, alleging that he became disabled on 8/1/2009. He receives a denial on 4/1/10. The denial says Joe Texas is not disabled, right? Of course. But more precisely it is a decision that he was not disabled on 8/1/09 AND has not been disabled at any time through the date of the denial, 4/1/10. If that denial is not appealed, a legal doctrine called res judicata says that the finding of that denial (i.e., that Joe Texas was not disabled from the date his alleged disability through the date of the denial) cannot be disputed. It is now carved in stone, so to speak. Res Judicata means that the legal matter has been decided once and for all. The consequence of failing to appeal an SSDI denial is always that the claimant has forfeited the right to disability benefits for any time period through the date of the denial. If you file a claim for SSDI and re-file later instead of appealing you have, at the minimum, left money on the table needlessly. But for some claimants, the failure to appeal an SSDI denial can be much worse. Social Security Disability Insurance is an insurance program. Your social security disability benefits insurance premium is paid through your FICA

5 taxes paid by your employer. A U.S. citizen that has never worked a day in their life but becomes disabled cannot receive SSDI, because they are not insured. In order to have insured status for SSDI purposes your must meet the earnings tests. For workers who become disabled and stop working there is a point where coverage for SSDI ends: it is called the Date Last Insured (DLI). Here is a tragic illustration of what can happen: Sue Dallas is 40 years old, and had to stop working due to her undifferentiated spondyloarthropathy in She has a DLI of 12/31/09. She files for disability is denied on 1/1/10. She fails to appeal, listening to her brother-inlaw Richard Dallas who said it is better to re-file than appeal. She goes to the local SSA office to file for SSDI on 4/1/10. SSA refuses to accept the application, citing res judicata. Sue will have to look to her brother Richard for support for the next 22 years until she reaches entitlement to early social security retirement. Blunder # 2: Failing to Consider the Possibility of Disability While Still Able to Work Statistics demonstrate that 1 in 7 people can expect to be disabled for 5 years or more. Yet most Texans do not have any long-term disability benefits. Most major employers offer long-term disability benefits, but in my experience many workers do not take out LTD benefits if they have to

6 pay for it, or choose it over other benefits that may be available in an employer's cafeteria plan. Not taking advantage of LTD benefits offered by an employer or failing to buy your own LTD policy is a blunder. If you are reading this booklet I must assume you have some health problems at the very least that cause you to be interested in social security disability benefits. If you are still employed immediate determine whether you have LTD benefits if they are an option, and you are able to become eligible, do so immediately If you do not have LTD available to you, consider buying your own LTD policy There are other steps the working wounded can take when they believe it is just a matter of time before they have to quit, or get fired because their health has taken a toll. Your life style should be radically reduced. Start saving money like never before, and slash all non-essential expenses. Moreover, you should carefully consider how the job ends. It has been my experience that far too many of the working wounded are too concerned about how they look rather than how they are going to survive once the

7 job is gone. Many quit a job even though they are still not in danger of being fired because they feel bad that they are no longer able to perform at their previous excellence. Quitting a job when you are still able to muddle through it is a blunder: you need to maximize your savings for as long as you can to survive while waiting for your social security disability insurance benefits to come through. Blunder # 3: Failing to Maintain Medical Insurance/Treatment & Prioritize Medical Care Like it or not, we live in a county in which medical insurance is usually tied to employment. Lose your job, lose your medical insurance. Yet ongoing medical treatment is an essential part of prevailing in a social security disability claim. This is a troubling conundrum for those that have lost their job due to disability. Extended medical insurance through COBRA remains the primary source of medical insurance coverage for disabled Texas workers. Yet everyone knows that COBRA coverage is expensive: COBRA allows the employer to pass significant costs on to the insured in COBRA premiums. When you have just lost a job, you don't exactly have money to spare to pay medical insurance premiums.

8 I talk to Texas disabled workers often who did not take advantage of COBRA, telling me that they could not afford it. I am not in a position to dispute that, and I know that their finances are tight, to put it mildly. The question I always have when I talk to someone like that is this: if they knew the consequences that their not having medical treatment will have in their social security disability case, would they have found the money to exercise their COBRA medical insurance rights? In my opinion, the absence of current medical treatment reduces your changes dramatically. I am going to say something that might shock you. If you are disabled and unable to return to work, and have been offered COBRA coverage, there is NOTHING in your family budget that is more important than paying the COBRA premiums. Blunder # 4: Failing to Recognize the Psychological aspects and implication of your Disability We live in a society that continues to be very uncomfortable with mental illness. We fear it, do not understand, or do our best to ignore and deny it. We think of mental illness as limited to the street persons we see carrying

9 on a brisk conversation with an imaginary person. We think of depression or anxiety as a character weakness, and fear the reaction of those we love if we seek out psychiatric help. In 20 years of social security disability practice I can count on one hand the number of clients I have had that did not suffer from some mental health problems, even though most alleged only a physical disability when they filed for social security. It is a normal reaction to suffer some degree of depression and anxiety when you are no longer able to work and provide for your family as you have been accustomed to. Seeking help from a mental health professional due to depression or anxiety is not a sign of weakness. Moreover, it can dramatically improve your chances of getting disability. This is because SSA needs to see medical treatment for all conditions that impact your ability to work. Often times, an administrative law judge will believe a claimant is disabled due to the combination of physical and mental impairments. But if you are not getting treatment for the mental issues that impact your life, the judge will find it impossible to find that your mental issues limit the ability to work. Blunder # 5: Failing to Hire a Competent Attorney Most disabled Texas workers have little experience with attorneys, often

10 limited to divorce, probate or personal injury matters. Many potential clients have reported poor experiences with attorneys and the legal profession to me in the past. Many assume that they will have to be outof-pocket for attorney fees in a social security disability case, and do not call an attorney because they can't afford it. As an attorney I am sad to acknowledge our profession does not enjoy a great reputation, and many disabled claimants with a limited education feel they are vulnerable to being taken advantage of by an attorney. I know many social security disability attorneys throughout the US, and in Texas. The vast majority are ethical and competent. Many attorneys that do not handle social security disability can refer potential claimants to an attorney who specializes in social security disability benefits. If you take only one thing from this booklet, let it be this. Do not be reluctant to seek out a social security disability attorney for counsel about a social security disability claim. Blunder # 6: Misunderstanding What Disability Proof Needed Competent representation can help you understand what is important and what is not important in your social security disability case. In my

11 experience the general public does not understand what it takes to win. In fact, often times there is a wide gap between most claimants think are important, and what SSA needs to approve a disability claim. Here are a few examples of incorrect and widely held beliefs about social security disability: Disability is there to help if you can't find a job (Wrong) If you know someone on disability that is not a sick as you, it s important to tell the administrative law judge (This is not important. SSA disability is a big program, and there are lots of people on disability that don't belong on the program. The issue is your health, not who else is on disability) It is your role to educate the government about your disease (your role is to talk about your own experience, not present internet websites, papers, or findings about your disease) It is your job to go around and get all the medical records in your case (Wrong- SSA's job is to do that) All you need is a letter from your doctor saying that you are permanently and totally disability Wrong doctor opinions are

12 important, but whether you are legally disabled under the Social Security Act is for SSA to determine) Blunder # 7: Letting Fear Control Your Decisions In my experience representing Texas social security disability applicants, I know that losing ones livelihood due to health and then being denied social security disability is one of the worst, if not the worst, experiences in life! In trying circumstances like this, it is very hard to not be fearful. But fear usually doesn't help us make good decisions; usually decisions made in the grip of fear are bad decisions. In my opinion, acting out of fear is a common denominator in the above list of mistakes people often make. It is fear that causes people to give up on their disability case. It is fear that causes people to hide from difficult financial choices and how they can keep medical insurance coverage. It is fear that keeps people from calling a qualified social security disability lawyer, even though attorneys like me are available to talk with them about their situation at no cost. I hope that you have found this booklet to be of assistance. I am available to you to consult about your Texas social security disability case at no charge at

TOP 10 SOCIAL SECURITY DISABILITY QUESTIONS

TOP 10 SOCIAL SECURITY DISABILITY QUESTIONS TOP 10 SOCIAL SECURITY DISABILITY QUESTIONS 1. How do I apply for Social Security? You can apply for it over the phone, over the internet or in person. If you are disabled and cannot work, do not wait.

More information

SOCIAL SECURITY OVERPAYMENTS:

SOCIAL SECURITY OVERPAYMENTS: SOCIAL SECURITY OVERPAYMENTS: RESPONDING TO A NOTICE THAT SAYS YOU HAVE BEEN OVERPAID This document contains general information for educational purposes and should not be construed as legal advice. It

More information

Most headed enough to take notes are seriously injured, it s

Most headed enough to take notes are seriously injured, it s 7 DEADLY SINS TO AVOID IN YOUR ACCIDENT CASE 1. Providing Statements - at the scene of the accident or insurance adjusters soon after. You are under no obligation to make a statement to the police or to

More information

Social Security Disability Benefits

Social Security Disability Benefits Social Security Disability Benefits A Guide to Social Security Disability Important information for Veterans inside! Roger Skip Ritchie, Jr. Attorney and Consumer Advocate LAW FIRM P.L.C. Social Security

More information

Louisiana Disability Law Louisiana Disability Lawyer

Louisiana Disability Law Louisiana Disability Lawyer Social Security Disability 8 Deadly Mistakes That Can Disable Your Disability Claim (and 6 Actions to Help) A Special Report by Loyd J. Bourgeois, Jr. Long-Term Disability Benefits Attorney Loyd J. Bourgeois,

More information

Disability Insurance Basics

Disability Insurance Basics Ameriprise Financial Michael Gluski, CRPC Financial Advisor 12800 University Drive #105 Fort Myers, FL 33907 239-768-8830 michael.gluski@ampf.com www.ameripriseadvisors.com/michael.gluski Disability Insurance

More information

Top Ten Ways to WRECK. Your Disability Claim

Top Ten Ways to WRECK. Your Disability Claim Top Ten Ways to WRECK Your Disability Claim Thank you for downloading our publication of the Top Ten Ways to Wreck Your Disability Claim. If you re taking the time to review this information, it s likely

More information

Consumer Awareness How to Keep From Getting Ripped Off by Big Insurance

Consumer Awareness How to Keep From Getting Ripped Off by Big Insurance Consumer Awareness How to Keep From Getting Ripped Off by Big Insurance Provided as an educational service by: Anthony D. Castelli, Esq. Concentration in Auto and Work Related Injuries (513) 621-2345 ATTENTION!!!

More information

Long-Term Disability A GUIDE TO YOUR INSURANCE CLAIM

Long-Term Disability A GUIDE TO YOUR INSURANCE CLAIM Long-Term Disability A GUIDE TO YOUR INSURANCE CLAIM CANTINI LAW GROUP ATLANTIC CANADA S INJURY LAWYERS Table of contents 3 Background information about LTD insurance What is LTD insurance? How is LTD

More information

The Law Offices of Robertson Wendt Media Kit: Frequently Asked Questions. General questions about the firm:

The Law Offices of Robertson Wendt Media Kit: Frequently Asked Questions. General questions about the firm: The Law Offices of Robertson Wendt Media Kit: Frequently Asked Questions General questions about the firm: What is the firm s main practice area? The Law Offices of Robertson Wendt focus on disability

More information

SOCIAL SECURITY DISABILITY BENEFITS

SOCIAL SECURITY DISABILITY BENEFITS Y OUR SOCIAL SECURITY DISABILITY BENEFITS This Guide is Provided By EDWARDS & PATTERSON LAW FIRM 321 Third, Suite 1 And 1831 East 71st St. McAlester, OK 74501 Tulsa,OK 74136 Toll Free: 877-761-5059 What

More information

SOCIAL SECURITY BENEFITS

SOCIAL SECURITY BENEFITS SOCIAL SECURITY BENEFITS Social Security is a federal program that pays monthly payments to aged, blind and disabled people. In some cases, dependents and survivors also get benefits. The Social Security

More information

HOW CAN THEY GET AWAY WITH THIS? Some Basic Information. For. Long Term Disability Clients

HOW CAN THEY GET AWAY WITH THIS? Some Basic Information. For. Long Term Disability Clients HOW CAN THEY GET AWAY WITH THIS? Some Basic Information For Long Term Disability Clients The following is a short article intended for new clients with long term disability insurance claims subject to

More information

Helpful Suggestions for Appealing a Denial of Benefits

Helpful Suggestions for Appealing a Denial of Benefits Helpful Suggestions for Appealing a Denial of Benefits This free ebook provided by: Law Offices of Tom Bush www.themilwaukeedisabilityattorney.com 161 W.Wisconsin Ave., Suite 5185 Milwaukee,WI 53203 800-772-1213

More information

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com You are probably reading this guide because you were recently in an automobile accident. Now you are faced with some difficulties. The tasks of managing your care and your insurance claim can be confusing

More information

What You Need to Know About SSDI and Medicare

What You Need to Know About SSDI and Medicare 1 What You Need to Know About SSDI and Medicare Tai Venuti, MPH Adrienne Muralidharan April 18, 2012 Welcome 2 Today we ll cover: History of SSDI SSDI process Evaluating spinal/musculoskeletal claims Awards

More information

INJURY LAW ALERT WINTER 2006/2007 ISSUE WHAT IS MEDICAL MALPRACTICE?

INJURY LAW ALERT WINTER 2006/2007 ISSUE WHAT IS MEDICAL MALPRACTICE? INJURY LAW ALERT WINTER 2006/2007 ISSUE WHAT IS MEDICAL MALPRACTICE? Medical malpractice is a broad term used to describe a number of different kinds of lawsuits brought against doctors and hospitals.

More information

you. However, most people who have become disabled find that it is extremely difficult to actually win Social Security disability benefits.

you. However, most people who have become disabled find that it is extremely difficult to actually win Social Security disability benefits. INTRODUCTION L ike most Americans, you have worked hard for the majority of your life and continuously paid into the Social Security system. While you were working, you would look forward to your payday,

More information

PARENT GUIDE TO THE JUVENILE COURT CHIPS PROCESS

PARENT GUIDE TO THE JUVENILE COURT CHIPS PROCESS PARENT GUIDE TO THE JUVENILE COURT CHIPS PROCESS INTRODUCTION This booklet has been prepared to help parents gain a better understanding of what to expect in Juvenile Court CHIPS proceedings (Chapter 48

More information

Disability Insurance Basics

Disability Insurance Basics AMRISH PATEL Financial Advisor 215 S. Dobson Road, Suite# 4 Chandler, AZ 85224 480-221-6502 480-664-2497 amrish.patel@securitiesamerica.com www.gwstrategies.com Disability Insurance Basics Page 2 of 8

More information

The Ultimate Guide to Winning Your Personal Injury Case Table of Contents

The Ultimate Guide to Winning Your Personal Injury Case Table of Contents Table of Contents Introduction 3 Why Not Settle With the Insurance Companies 4 What to do First 7 Hiring a Personal Injury Lawyer 11 How Much is My Claim Worth? 14 What if I have a Pre-Existing Condition?

More information

Summary of Vocational Rehabilitation Rights: Eligibility for Services

Summary of Vocational Rehabilitation Rights: Eligibility for Services Summary of Vocational Rehabilitation Rights: Eligibility for Services A Self-Advocacy Guide 5025 E. Washington 100 North Stone Avenue Suite 202 Suite 305 Phoenix, AZ 85034-2005 Tucson, AZ 85701 602-274-6287

More information

FREQUENTLY ASKED QUESTIONS REGARDING ADVANCE DIRECTIVES

FREQUENTLY ASKED QUESTIONS REGARDING ADVANCE DIRECTIVES What is an advance directive? FREQUENTLY ASKED QUESTIONS REGARDING ADVANCE DIRECTIVES An advance directive is an order to your health care provider (usually a doctor) made in advance of a loss of competency,

More information

HEARD & SMITH SOCIAL SECURITY DISABILITY GUIDEBOOK

HEARD & SMITH SOCIAL SECURITY DISABILITY GUIDEBOOK HEARD & SMITH SOCIAL SECURITY DISABILITY GUIDEBOOK Understanding Social Security Disability/SSI At Heard & Smith, we are dedicated to helping you win your Social Security Disability claim. We have had

More information

Disability Insurance Basics

Disability Insurance Basics EBNY Financial, LLC Kevin Kautzmann, CFP Certified Financial Planner 80 Fifth Avenue #1403 212-269-2625 kevin@ebnyfinancial.com www.ebnyfinancial.com Disability Insurance Basics July 08, 2014 Page 1 of

More information

Seven Things to Know Before Hiring a Personal Injury Attorney

Seven Things to Know Before Hiring a Personal Injury Attorney Seven Things to Know Before Hiring a Personal Injury Attorney 1 Introduction If you have ever been injured in an accident, you know what a catastrophic experience it can be. In an instant, your entire

More information

Claims. Appeal Options. Independent reviews Small claims court Appraisals Rates Appeal Board

Claims. Appeal Options. Independent reviews Small claims court Appraisals Rates Appeal Board Claims Appeal Options Independent reviews Small claims court Appraisals Rates Appeal Board What you can expect from Manitoba Public Insurance We strive to treat all our customers fairly. It s important

More information

Where Do I Start? A Guide for Injured Workers

Where Do I Start? A Guide for Injured Workers Where Do I Start? A Guide for Injured Workers TABLE OF CONTENTS 1. About Colorado workers compensation 2. When to notify your employer that you ve been injured 3. What benefits you re entitled to 4. Benefits

More information

THE BASICS Getting a Divorce in New York State

THE BASICS Getting a Divorce in New York State THE BASICS Getting a Divorce in New York State Either the wife or the husband can ask a Court for a divorce. In this booklet, we say that the wife is the person who will go to Court to request a divorce

More information

Cooper Hurley Injury Lawyers

Cooper Hurley Injury Lawyers Cooper Hurley Injury Lawyers 2014 Granby Street, Suite 200 Norfolk, VA, 23517 (757) 455-0077 (866) 455-6657 (Toll Free) YOUR RIGHTS WHEN YOU ARE INJURED ON THE RAILROAD Cooper Hurley Injury Lawyers 2014

More information

CONSUMER REPORT. to ask BEFORE. Hiring a Divorce Attorney PROVIDED BY:

CONSUMER REPORT. to ask BEFORE. Hiring a Divorce Attorney PROVIDED BY: CONSUMER REPORT The 7 Critical Questions to ask BEFORE Hiring a Divorce Attorney PROVIDED BY: Seattle Divorce Services 206-784-3049 2317 NW Market Street Seattle, WA 98107 http://www.seattledivorceservices.com

More information

- 2 - Your appeal will follow these steps:

- 2 - Your appeal will follow these steps: QUESTIONS AND ANSWERS ABOUT YOUR APPEAL AND YOUR LAWYER A Guide Prepared by the Office of the Appellate Defender 1. WHO IS MY LAWYER? Your lawyer s name is on the notice that came with this guide. The

More information

Child Abuse, Child Neglect. What Parents Should Know If They Are Investigated

Child Abuse, Child Neglect. What Parents Should Know If They Are Investigated Child Abuse, Child Neglect What Parents Should Know If They Are Investigated Written by South Carolina Appleseed Legal Justice Center with editing and assistance from the Children s Law Center and the

More information

Frequently Asked Questions About Georgia Workers Compensation Ty Wilson Attorney At Law 1-866-937-5454 www.tywilsonlaw.

Frequently Asked Questions About Georgia Workers Compensation Ty Wilson Attorney At Law 1-866-937-5454 www.tywilsonlaw. Frequently Asked Questions About Georgia Workers Compensation Ty Wilson Attorney At Law 1-866-937-5454 www.tywilsonlaw.com Special Report Frequently Asked Questions About Claims Special Report Ty Wilson

More information

PRIVATE DISABILITY INSURANCE. Private disability insurance protects employed persons who cannot work

PRIVATE DISABILITY INSURANCE. Private disability insurance protects employed persons who cannot work Disability Rights Network of Pennsylvania 1414 N. Cameron Street Second Floor Harrisburg, PA 17103-1049 (800) 692-7443 (Voice) (877) 375-7139 (TDD) www.drnpa.org PRIVATE DISABILITY INSURANCE What is private

More information

20 Essential Legal Tips to Know Before You Hire a Lawyer

20 Essential Legal Tips to Know Before You Hire a Lawyer 20 Essential Legal Tips to Know Before You Hire a Lawyer Ken LaMance, Attorney at Law Copyright 2000-2010 All Rights Reserved Contents Do I need a Lawyer? 1. Define your problem carefully before considering

More information

What You Should Know About Social Security Disability Insurance and Medicare

What You Should Know About Social Security Disability Insurance and Medicare Welcome and Introduction 1 What You Should Know About Social Security Disability Insurance and Medicare Presented by Tai Venuti, Allsup manager of Strategic Alliances Julie Bannester, Center for Medicare

More information

What Happens Next? A PARENTS' A PARENTS GUIDE TO NEW YORK STATE CHILD PROTECTIVE SYSTEM

What Happens Next? A PARENTS' A PARENTS GUIDE TO NEW YORK STATE CHILD PROTECTIVE SYSTEM What Happens Next? A PARENTS' A PARENTS GUIDE TO NEW YORK STATE CHILD PROTECTIVE SYSTEM Revised: April 2012 Adapted by Prevent Child Abuse New York, Inc. from a piece of the same name by Margo Hittleman,

More information

PERS Disability Benefits

PERS Disability Benefits PERS Disability Benefits (for Tiers I, III, and III) Division of Retirement and Benefits PO Box 110203 Juneau, AK 99811-0203 (907) 465-4460 (800) 821-2251 Welcome to the Division of Retirement and Benefits

More information

Free Legal Consumer Guide Series www.southernmarylandlaw.com

Free Legal Consumer Guide Series www.southernmarylandlaw.com Free Legal Consumer Guide Series Brought To You By Meeting All Your Legal Needs For 50 Years 2 How To Handle A Traffic Ticket HOW TO USE THIS GUIDE If you read this guide, you will discover what you need

More information

Made in Custody & Divorce Disputes

Made in Custody & Divorce Disputes Made in Custody & Divorce Disputes Zinda & Davis PLLC Attorneys at Law Zinda& Davis PLLC Copyright 2010 All Rights Reserved Contact Information: Principal Office 108 E. Bagdad, Ste. 300 Round Rock, Texas

More information

Spinal Cord Injury and Returning to Your Life

Spinal Cord Injury and Returning to Your Life Spinal Cord Injury and Returning to Your Life A spinal cord injury is one of the most devastating and traumatic events. You have a loss of all or some of your movement and it is common to have health problems

More information

Sick & In Debt Handling Medical Debt

Sick & In Debt Handling Medical Debt Sick & In Debt Handling Medical Debt 2007 CAA Forum September 7, 2007 Overview What to do when a client has a medical bill? Medi-Cal Defenses & Reimbursement Defenses for Enrollees of Managed Care Plans

More information

Disability Benefits Plan

Disability Benefits Plan MONTGOMERY COUNTY Disability Benefits Plan Summary Plan Description January 2014 Contents Introduction... 3 Eligibility... 3 Definition of Disability... 3 Initial Disability... 3 Temporary Disability...

More information

Introduction... 3. Secrets to Winning A Disability Case... 4-7. Contact Us... 8. Additional Notes... 9

Introduction... 3. Secrets to Winning A Disability Case... 4-7. Contact Us... 8. Additional Notes... 9 Introduction... 3 Secrets to Winning A Disability Case... 4-7 Contact Us... 8 Additional Notes... 9 2 At Liner Legal the focus is on our clients needs. The most important way we are different from other

More information

Revised May 2015. What Is Workers Compensation?

Revised May 2015. What Is Workers Compensation? This pamphlet provides an overview of the workers compensation system in the State of New Hampshire, including what is covered by workers compensation, what benefits are available, and what you should

More information

The Truth About Issue 2

The Truth About Issue 2 The Truth About Issue 2 What will Issue 2 actually do? The Big Business coalition which supports Issue 2 has the money to air a slick ad campaign. The Big Business Campaign is founded on the belief that

More information

Anger Worksheet. The Incident What is your relationship with the person you are accused of arguing with? (Partner, relative, friend, colleague)

Anger Worksheet. The Incident What is your relationship with the person you are accused of arguing with? (Partner, relative, friend, colleague) Anger Worksheet The Incident What is your relationship with the person you are accused of arguing with? (Partner, relative, friend, colleague) In your opinion, how do you think the person you fought with

More information

National Trends and Developments in Workers Compensation

National Trends and Developments in Workers Compensation Over the last 25 years, injured and ill workers rights have been rolled back in many states. At the same time, employers are emboldened by today's economy to pressure workers not to exercise the few rights

More information

the compensation myth

the compensation myth the compensation myth The Compensation Myth It is common to hear stories of the Compensation Culture or claims that Britain is becoming Risk Averse as a result of people claiming compensation. The truth

More information

EARLY CARE & EDUCATION LAW UNIT WHAT YOU NEED TO KNOW ABOUT SMALL CLAIMS COURT

EARLY CARE & EDUCATION LAW UNIT WHAT YOU NEED TO KNOW ABOUT SMALL CLAIMS COURT EARLY CARE & EDUCATION LAW UNIT Publication Date: November 2013 WHAT YOU NEED TO KNOW ABOUT SMALL CLAIMS COURT In the operation of your child care business you may encounter problems which force you to

More information

THE BASICS Custody and Visitation in New York State

THE BASICS Custody and Visitation in New York State THE BASICS Custody and Visitation in New York State This booklet answers common questions about custody and visitation when the parents cannot agree about who is responsible for taking care of the children.

More information

Medical Malpractice VOIR DIRE QUESTIONS

Medical Malpractice VOIR DIRE QUESTIONS Medical Malpractice VOIR DIRE QUESTIONS INTRODUCTION: Tell the jurors that this is a very big and a very important case. Do a SHORT summary of the case and the damages we are seeking. This summary should

More information

Your Social Security. Disability Benefits. What You Need to Know to Collect What s Rightfully Yours

Your Social Security. Disability Benefits. What You Need to Know to Collect What s Rightfully Yours Your Social Security Disability Benefits What You Need to Know to Collect What s Rightfully Yours This guide is provided by Berger and Green Attorneys At Law 5850 Ellsworth Avenue Suite 200 Pittsburgh,

More information

A Guide to Appealing Disability Benefits in the Broader Public Service (BPS)

A Guide to Appealing Disability Benefits in the Broader Public Service (BPS) A Guide to Appealing Disability Benefits in the Broader Public Service (BPS) OPSEU Pensions and Benefits Unit April 2013 Table of Contents Introduction... 3 Overview... 3 Know and Meet the Deadline(s)

More information

Court-Ordered Mental Health Evaluation and Treatment in Arizona: Rights and Procedures

Court-Ordered Mental Health Evaluation and Treatment in Arizona: Rights and Procedures The Arizona State Hospital The Arizona State Hospital is the only long-term inpatient psychiatric facility in Arizona. Before ordering that you receive treatment at the Arizona State Hospital, the court

More information

Understanding the Social Security Application and Appeals Process for Individuals with Brain Injury and Service Members with Disabilities

Understanding the Social Security Application and Appeals Process for Individuals with Brain Injury and Service Members with Disabilities Understanding the Social Security Application and Appeals Process for Individuals with Brain Injury and Service Members with Disabilities In Collaboration with Understanding the Social Security Application

More information

Community Legal Information Association of PEI. Prince Edward Island, Inc.

Community Legal Information Association of PEI. Prince Edward Island, Inc. Community Legal Information Association of Prince Edward Island, Inc. Sentencing This pamphlet gives you some information about sentencing in criminal court. If you are charged with a criminal offence,

More information

Migrant Workers and Workers Compensation. What You Should Know. What are workers compensation benefits?

Migrant Workers and Workers Compensation. What You Should Know. What are workers compensation benefits? Migrant Workers and Workers Compensation What You Should Know What are workers compensation benefits? Workers compensation benefits are available to people who are hurt at work in Ontario, including migrant

More information

Long Term Disability Insurance Benefits Guide

Long Term Disability Insurance Benefits Guide THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK Long Term Disability Insurance Benefits Guide For The Employees of The State University of New York Answers to your questions about coverage from The Standard

More information

INTRODUCTION DO YOU NEED A LAWYER?

INTRODUCTION DO YOU NEED A LAWYER? INTRODUCTION The purpose of this handbook is to provide answers to some very basic questions that inmates or inmates families might have regarding the processes of the criminal justice system. In no way

More information

WORKERS COMPENSATION, ASSAULT LEAVE, DISABILITY LEAVE BENEFITS

WORKERS COMPENSATION, ASSAULT LEAVE, DISABILITY LEAVE BENEFITS WORKERS COMPENSATION, ASSAULT LEAVE, DISABILITY LEAVE BENEFITS FOR MEMBERS OF THE Chicago Teachers Union 111 East Wacker Drive, Suite 2600, Chicago, Illinois 60601 312-861-1800; fax, 312-861-3009 www.potterlaw.org

More information

GUIDE TO SMALL CLAIMS COURT The Rural Law Center of New York, Inc.

GUIDE TO SMALL CLAIMS COURT The Rural Law Center of New York, Inc. This material is provided to answer general questions about the law in New York State. The information and forms were created to assist readers with general issues and not specific situations, and, as

More information

Durable Power of Attorney For Finances

Durable Power of Attorney For Finances Durable Power of Attorney For Finances Choosing Someone to Handle Your Property And Finances in Case of Disability Washtenaw County Probate Court Shared/Social/Resources/DPOA for Finances FOREWORD We all

More information

WINNING SOCIAL SECURITY DISABILITY BENEFITS: A STEP BY STEP BY STEP GUIDE TO UNDERSTANDING AND APPLYING FOR SOCIAL SECURITY DISABILITY BENEFITS

WINNING SOCIAL SECURITY DISABILITY BENEFITS: A STEP BY STEP BY STEP GUIDE TO UNDERSTANDING AND APPLYING FOR SOCIAL SECURITY DISABILITY BENEFITS WINNING SOCIAL SECURITY DISABILITY BENEFITS: A STEP BY STEP BY STEP GUIDE TO UNDERSTANDING AND APPLYING FOR SOCIAL SECURITY DISABILITY BENEFITS By ELLIOTT ANDALMAN, ESQ Foreword Here at Andalman & Flynn,

More information

How To Win Your Fair Hearing

How To Win Your Fair Hearing How To Win Your Fair Hearing The Legal Aid Society The Legal Aid Society's Public Benefits Education Project This Booklet was made possible by funds from the Charles H. Revson Foundation. The statements

More information

WORKERS COMPENSATION, ASSAULT LEAVE, DISABILITY LEAVE BENEFITS

WORKERS COMPENSATION, ASSAULT LEAVE, DISABILITY LEAVE BENEFITS WORKERS COMPENSATION, ASSAULT LEAVE, DISABILITY LEAVE BENEFITS FOR MEMBERS OF THE Chicago Teachers Union 111 East Wacker Drive, Suite 2600, Chicago, Illinois 60601 312-861-1800; fax, 312-861-3009 www.potterlaw.org

More information

Life Insurance and Divorce

Life Insurance and Divorce Table of Contents Court Ordered Life Insurance 3 Child Support Life Insurance 5 Divorce and Life Insurance 7 Your Rights and Entitlements 9 Important Issues 11 Page 2 Court Ordered Life Insurance Court

More information

A.C.C.E.S.S. Helping Families Cope

A.C.C.E.S.S. Helping Families Cope Dedicated Patient Champion A.C.C.E.S.S. Helping Families Cope The A.C.C.E.S.S. Program by PSI Table of Contents Section 1 How A.C.C.E.S.S. Can Help...2 Section 2 Understanding your Health Care Coverage

More information

Families with Children in Care

Families with Children in Care Families with Children in Care A guide to your rights if your child is in care Partnership with Families Project Family Advocacy Service support for families with children in care Handbook This guide for

More information

A CONSUMERS GUIDE TO INDIVIDUAL HEALTH INSURANCE IN ARIZONA

A CONSUMERS GUIDE TO INDIVIDUAL HEALTH INSURANCE IN ARIZONA A CONSUMERS GUIDE TO INDIVIDUAL HEALTH INSURANCE IN ARIZONA Published by the Arizona Department of Insurance Janet Napolitano, Governor Charles R. Cohen, Director of Insurance August 2003 1 Table of Contents

More information

A Practical Guide to. Hiring a LAWYER

A Practical Guide to. Hiring a LAWYER A Practical Guide to Hiring a LAWYER A PRACTIAL GUIDE TO HIRING A LAWYER I. Introduction 3 II. When do you Need a Lawyer? 3 III. How to Find a Lawyer 4 A. Referrals 4 B. Lawyer Referral Service 5 C. Unauthorized

More information

10 steps. to prepare for your Social Security disability hearing. By Gordon Gates

10 steps. to prepare for your Social Security disability hearing. By Gordon Gates 10 steps to prepare for your Social Security disability hearing By Gordon Gates Law Offices of Gordon Gates Serving Maine and New Hampshire 110 Main St., Suite 1404 Saco, Maine 04072 (207) 284-9999 gordon.gates@gmail.com

More information

Frequently Asked Questions About Disability Benefits

Frequently Asked Questions About Disability Benefits Frequently Asked Questions About Disability Benefits The following information is a brief synopsis of frequently asked questions regarding Prince Willam County School Board Long Term Disability (LTD) benefit

More information

3 TRAPS THAT INSURANCE ADJUSTORS WILL SET FOR YOU..

3 TRAPS THAT INSURANCE ADJUSTORS WILL SET FOR YOU.. 3 TRAPS THAT INSURANCE ADJUSTORS WILL SET FOR YOU.. BUT READ THIS FIRST (AND CAREFULLY): You may be like many people who are in car accidents who want to try and handle your insurance claim on your own.

More information

FREE SPECIAL REPORT WANT TO PROTECT YOUR FAMILY? WHAT YOU ABSOLUTELY, POSITIVELY HAVE TO KNOW WHEN BUYING CAR INSURANCE.

FREE SPECIAL REPORT WANT TO PROTECT YOUR FAMILY? WHAT YOU ABSOLUTELY, POSITIVELY HAVE TO KNOW WHEN BUYING CAR INSURANCE. FREE SPECIAL REPORT WANT TO PROTECT YOUR FAMILY? WHAT YOU ABSOLUTELY, POSITIVELY HAVE TO KNOW WHEN BUYING CAR INSURANCE. Keep reading to learn What are your chances of having an accident in Kentucky with

More information

FIRST EDITION. Involuntary Medication Hearing Handbook

FIRST EDITION. Involuntary Medication Hearing Handbook FIRST EDITION Involuntary Medication Hearing Handbook FIRST EDITION Involuntary Medication Hearing Handbook 2012 Disability Rights Oregon 610 SW Broadway, Suite 200, Portland OR 97205 Voice: 503-243-2081

More information

ZOFRAN: WHAT YOU NEED TO KNOW ABOUT IT

ZOFRAN: WHAT YOU NEED TO KNOW ABOUT IT ZOFRAN: WHAT YOU NEED TO KNOW ABOUT IT 1 When people seek relief from nausea, they might eat a few crackers, drink ginger ale, or take an over-the-counter medication like Pepto-Bismol. But, when the nausea

More information

Your Guide to Recovery

Your Guide to Recovery Your Guide to Recovery PERSONAL INJURY LAWYERS Committed to Your Future We will: Ensure all necessary notices are provided to maintain your claim and commence the action within the limitation period. Work

More information

UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM

UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM A LET US EMPOWER YOU This brochure will empower you with the knowledge and tools necessary to complete your own property damage claim. One of the biggest inconveniences

More information

Clinical Negligence. Issue of proceedings through to Trial

Clinical Negligence. Issue of proceedings through to Trial Clinical Negligence Issue of proceedings through to Trial Lees Solicitors LLP 44/45 Hamilton Square Birkenhead Wirral CH41 5AR Tel: 0151 647 9381 Fax: 0151 649 0124 e-mail: newclaim@lees.co.uk 1 1 April

More information

Injured on the Job. Your Rights under FELA. Quick Facts: What To Do If Injured

Injured on the Job. Your Rights under FELA. Quick Facts: What To Do If Injured Injured on the Job Your Rights under FELA Quick Facts: What To Do If Injured 1. Consult your own doctor for treatment. Give your doctor a complete history of how your injury happened. Make sure that the

More information

COBRA and HIPAA Administration Services let us take the burden from you

COBRA and HIPAA Administration Services let us take the burden from you COBRA and HIPAA Administration Services let us take the burden from you PO BOX 1300 MANCHESTER NH 03105-1300 1-888-401-3539 FAX: 603-647-4668 THE CONSOLIDATED OMNIBUS BUDGET RECONCILIATION ACT of 1985

More information

SO YOU'VE BEEN SERVED WITH DIVORCE PAPERS: A DIVORCE EXPERT'S SURVIVAL GUIDE. family law

SO YOU'VE BEEN SERVED WITH DIVORCE PAPERS: A DIVORCE EXPERT'S SURVIVAL GUIDE. family law SO YOU'VE BEEN SERVED WITH DIVORCE PAPERS: A DIVORCE EXPERT'S SURVIVAL GUIDE 1 family law You ve just been served divorce papers... Now what? Maybe you knew it was coming; maybe you didn t. Then it happened

More information

USVH Disease of the Week #1: Posttraumatic Stress Disorder (PTSD)

USVH Disease of the Week #1: Posttraumatic Stress Disorder (PTSD) USVH Disease of the Week #1: Posttraumatic Stress Disorder (PTSD) Effects of Traumatic Experiences A National Center for PTSD Fact Sheet By: Eve B. Carlson, Ph.D. and Josef Ruzek, Ph.D. When people find

More information

HANDOUT FOR ICSOM TALK. Your ERISA Disability Plan 101 Sally Mermelstein, J.D. August 17, 2007

HANDOUT FOR ICSOM TALK. Your ERISA Disability Plan 101 Sally Mermelstein, J.D. August 17, 2007 Sally Mermelstein Attorney At Law 2440 Colfax Avenue S. Minneapolis, MN 55405 612-860-8296 smermelstein@comcast.net HANDOUT FOR ICSOM TALK Your ERISA Disability Plan 101 Sally Mermelstein, J.D. August

More information

QUESTIONS AND ANSWERS ON MEDICAL ASSISTANCE FOR NURSING HOME CARE

QUESTIONS AND ANSWERS ON MEDICAL ASSISTANCE FOR NURSING HOME CARE QUESTIONS AND ANSWERS ON MEDICAL ASSISTANCE FOR NURSING HOME CARE Prepared by: Long Term Care Assistance Project, Maryland Legal Aid Updated January 2015 Medical Assistance is a government-funded program

More information

Adviceguide Advice that makes a difference

Adviceguide Advice that makes a difference Going to court Before you go to court If you have been negotiating with a trader to try and resolve a consumer complaint but have not been successful, you may want to consider going to court. You should

More information

Your Rights Under the Missouri Workers Compensation Law

Your Rights Under the Missouri Workers Compensation Law Your Rights Under the Missouri Workers Compensation Law All states have workers compensation laws. The Missouri Workers Compensation Law is contained in Chapter 287 of the Revised Statutes of Missouri.

More information

Young Singles Considerations

Young Singles Considerations Young Singles Considerations As a young single, you re on your own without parental support for the first time. You could be finishing college, or you may be looking for or starting a new job. This stage

More information

Unemployment Insurance: Eligibility After Quitting a Job

Unemployment Insurance: Eligibility After Quitting a Job Unemployment Insurance: Eligibility After Quitting a Job YOUR LEGAL RIGHTS 1. Can I quit my job yet still be eligible for unemployment insurance? Under California law, a worker is eligible for unemployment

More information

Listen, Protect, and Connect

Listen, Protect, and Connect Page 1 Listen, Protect, and Connect PSYCHOLOGICAL FIRST AID FOR CHILDREN, PARENTS, AND OTHER CAREGIVERS AFTER NATURAL DISASTERS Helping you and your child in times of disaster. Page 2 As a parent or adult

More information

Free Legal Consumer Guide Series www.southernmarylandlaw.com

Free Legal Consumer Guide Series www.southernmarylandlaw.com Free Legal Consumer Guide Series Brought To You By Meeting All Your Legal Needs For 50 Years 2 What You Need To Know About Workers Compensation HOW TO USE THIS GUIDE If you read this guide, you will discover

More information

Workers Compensation: Making a claim

Workers Compensation: Making a claim Workers Compensation: Making a claim What are workers compensation benefits? Workers compensation benefits are payments for injuries or diseases that are related to the work you were doing. Workers compensation

More information

What You Should Know About Your Workers Compensation Rights. KELLEY & FERRARO Attorneys at Law 888.839.8479

What You Should Know About Your Workers Compensation Rights. KELLEY & FERRARO Attorneys at Law 888.839.8479 KELLEY & FERRARO Attorneys at Law 888.839.8479 What You Should Know About Your Workers Compensation Rights REGARDING OCCUPATIONAL DISEASES, INCLUDING EXPOSURE TO ASBESTOS AND OTHER TOXIC SUBSTANCES Kelley

More information

Settling Your Injury Case...

Settling Your Injury Case... Settling Your Injury Case... Without a Lawyer How to maximize the value of your claim under $10,000 The information provided in this report is for informational purposes only. Shulman DuBois LLC does not

More information

BASICS FOR INJURED WORKER: NAVIGATING CALIFORNIA WORKERS COMPENSATION

BASICS FOR INJURED WORKER: NAVIGATING CALIFORNIA WORKERS COMPENSATION BASICS FOR INJURED WORKER: NAVIGATING CALIFORNIA WORKERS COMPENSATION Q. What is workers' compensation? A. If you get hurt or sick because of work, your employer is required by law to pay for workers'

More information

David R. Machek, Esq. Partner, Disability Benefits Law Center Toll Free Phone Number: 1-866-886-0660

David R. Machek, Esq. Partner, Disability Benefits Law Center Toll Free Phone Number: 1-866-886-0660 Qualifying for Disability Benefits: Everything you need to know for a successful claim Scleroderma Foundation/Southern California Chapter Education Day Fall, 2007 David R. Machek, Esq. Partner, Disability

More information

Consumer Report. The. Critical Questions to Ask BEFORE Hiring. a Personal Injury Attorney. Provided by:

Consumer Report. The. Critical Questions to Ask BEFORE Hiring. a Personal Injury Attorney. Provided by: Consumer Report The 5 Critical Questions to Ask BEFORE Hiring a Personal Injury Attorney Provided by: Martinson & Beason, P.C. 115 Northside Square Huntsville, AL 35801 (256) 533-1667 http://www.martinsonandbeason.com/

More information

Clinical Negligence. Investigating Your Claim

Clinical Negligence. Investigating Your Claim www.lees.co.uk Clinical Negligence Investigating Your Claim Lees Solicitors LLP 44/45 Hamilton Square Birkenhead Wirral CH41 5AR Tel: 0151 647 9381 Fax: 0151 649 0124 e-mail: newclaim@lees.co.uk 1 The

More information