How do I know when it is time to go out on disability? How do you know when it is time to go out on disability? Occasionally people come to us who haven’t yet filed for disability insurance benefits because they are still working and considering applying. They often ask how to know when it is time to go out of work on disability. We generally respond that we are a law firm and this is a question best answered by your doctor. Does your doctor say you can no longer work? Does your doctor say you cannot perform the
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Obtaining Your Disability Insurance Policy
Obtaining your disability insurance policy. When you sign up for a disability insurance policy, you are usually given some information about your disability insurance benefits. Many people don’t review their disability insurance policy, the same way most of us accept user agreements without ever reading them. In fact, most people don’t even keep the policy and those of us who do keep it often don’t know where it is. It’s a widespread phenomenon that can be a problem if you become disabled. Where do I obtain my disability insurance policy? We often hear people say they have asked the
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4 Important Tips for Disability Insurance Clients
4 Important Tips for Disability Insurance Clients Find 4 important tips for disability insurance clients who hire a disability insurance attorney to represent them below Fill out information completely and accurately: When your attorney sends you a fee agreement packet, there will usually be some forms to complete asking for information about you and possibly information relative to your case. It’s important to be sure you complete these in a timely manner, but also take your time to complete them thoroughly and accurately. As an example, writing “Dr. Smith” as one of your doctors without including the first name
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Approval in Melbourne, Florida
Disability insurance approval in Melbourne, Florida Another approval, this time in Melbourne, Florida. Client came to us suffering from lymphedema, lipomatosis, history of a failed laminectomy, sleep apnea, as well as other conditions. One of the unique aspects of this case was that the denial letter stated that the client was not disabled from any occupation and that the policy transitions from proving inability to perform your own occupation to any occupation after just one year, whereas the any-occ transition in most LTD policies occurs at 24 months. The insurance company determined that the client was able to work at
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Approval in Pompano Beach, FL
Disability insurance approval in Pompano Beach, FL Another client approved, this time out of Pompano Beach, Florida. Client came to us suffering from IBS, post COVID-19 problems, hearing loss, arthritis, type 2 diabetes, and anxiety. The insurance company denied the claim stating that the medical information did not provide evidence of a severity of impairment to preclude her from performing her own occupation. The client went out of work due to medical issues prior to contracting COVID-19. While out of work from the initial medical issues, she became infected with COVID-19 that caused hypoxic respiratory failure and required hospitalization
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Approval in Holiday, FL
Disability insurance approval in Holiday, Florida Another approval for short and long-term disability insurance benefits, this time out of Holiday, Florida. Client came to us suffering from three types of aphasia, pursuant to a stroke, with right side weakness, and ulcerative colitis. The insurance company denied the short-term claim based on lack of information. The limited information the insurance company had received didn’t substantiate a disability claim. When our office took over the handling of the claim, we immediately went to work gathering medical evidence, not only from the one doctor from whom the insurance company had received records,
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The Letter is in the Mail
The Disability insurance company is denying my claim If your disability insurance company has told you they are denying your claim, they may say the denial letter is in the mail. You should ask them if they can email the letter to you. Historically, we have found that when the disability insurance company tells you they are mailing something, it’s about 10-14 days before it lands in your mailbox. Of course, that’s assuming there are no issues encountered any step along the way between the letter being generated, shipping label created, and being handed over to the post office. Then,
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Transition from Short-Term to Long-Term Disability
Transitioning from short-term disability to long-term disability The transition from short-term to long-term disability may flow seamlessly, but that is not always the case. Some disability insurance policies and companies require that you complete your short-term disability term before consideration of a long-term disability claim. Some companies and/or policies will transition automatically to long-term, while others require a separate application. Short Term disability is the initial stage when a claimant becomes unable to work. Regardless of whether you will be seeking long-term disability or only plan on being out of work temporarily, everyone who has both an STD and LTD
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Calculating Your SSD Offset
Did you know there’s an easy way to figure out how much your LTD policy would be worth after a social security offset? We can walk you through a way to figure out how much your net LTD would be after calculating any social security disability money you may receive if you are approved for SSD. What is an SSD offset? Your disability insurance policy most likely contains a section discussing “other income offsets”. In other words, any other money you receive for being disabled. The insurance company generally gets a dollar for dollar offset for that money.
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Where Was Your Money Going?
If you were receiving disability insurance benefits on a regular basis, where was your money going? How were you receiving the money? Did you receive a check? Were you receiving direct deposit? As long as everything is going well and you are receiving your benefits, then chances are you don’t have a problem. But if you were receiving benefits and then received a denial letter stating that your benefits were being cut off, you might encounter some difficulties if you are reinstated… What could go wrong with receiving benefits again after a denial? Disability insurance benefits may be essential
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