Love and Disability – It’s Not Easy Love and relationships are challenging enough as it is. Becoming disabled can create untold pressure on people. Losing one’s ability to work can impact identity. Many disabling medical conditions involve chronic daily pain, while some impact mobility. Many medications have side effects. Some disabling medical conditions and medications can impact cognition and memory. Reduced income can strain household budgets or go beyond straining budgets. All of these things can pressure relationships and impact state of mind. A denial of disability benefits can cause very strained times, not only for the disabled person, but
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What Happens On A Final Denial
What happens when the insurance company gives you a final denial on your claim? When the insurance company issues a final denial in the administrative process, it’s time to file suit. Clients often come to us while still in the administrative process with the insurance company. This means the client still has at least one more appeal to the insurance company to review the medical evidence and make a decision to overturn the denial. With respect to cases governed by the ERISA statute (the Employee Retirement Income Security Act of 1974) it is an excellent idea to contact an attorney
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Working With Disability
Is Working Allowed While My Appeal Is Considered? Working while applying for or receiving disability is a topic we are sometimes asked about. This question is best answered in layers. First and foremost, we get it. We know that it is difficult to go months with zero income. We understand that sometimes you have to do what you have to do to make ends meet and keep a roof over your head. On the other hand, often the effect on your case is not worth what you can make by pushing yourself to the limit. Most of our clients need
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4th of July 2017
Happy Independence Day from Cremeens Law Group PLLC Cremeens Law Group PLLC is a litigation law firm in Tampa, Florida that handles cases which usually fall under the ERISA statute for short-term and long-term disability insurance policies. When someone works for an employer, they are sometimes offered multiple benefits such as health insurance, life insurance, dental insurance, and sometimes – disability insurance. The employee pays in to this disability insurance policy out of their paycheck every week (although some employers pay the premiums for them). Our clients come to us for help with filing their claim or to appeal a
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If You Had One Wish…
You just found a magical genie lamp. Make a wish! If you could have anything you wanted, what would you wish for? Wealth? Love? Fame? We know the answer to this question for nearly all of our clients and people who contact us. If they had one wish, it would be for their health. Be thankful every day for what you have and for your health. Our clients not only have issues that cause them to be disabled, but then have their benefits that they paid in to, denied by the insurance company. It can be very challenging to fight
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Memorial Day 2017
All Gave Some, Some Gave All. On this Memorial Day, Cremeens Law Group PLLC honors the memory of the men and women of the armed forces who laid down their lives in the service and defense of our country, offers our deepest condolences to the families and friends they left behind, and expresses our sincere appreciation to all who served our nation to maintain its freedoms.
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Know Your Doctor, Check the Instructions and Read Your Records
Be sure you are comfortable with the doctor you have chosen. Read some reviews on the doctor to see if other patients like you have had successful outcomes. Have a good idea of what to expect after the procedure. It is usually much easier to prepare for post-procedure instructions before you actually have the procedure. It is very important to make sure you read and understand all aspects of any procedure you are about to go through. Be sure you understand the risks and potential outcomes. Be sure that the procedure listed on the day of your treatment is the
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This Storm, Too, Shall Pass
Quick Word of Encouragement For Those Facing a Storm Florida receives a lot of storms. There are months when it will storm almost daily. There are seasons when the rain seems to come non-stop. The clouds get dark, the thunder rolls in, and the sky begins to pour down rain on everything below. Many of our clients at Cremeens Law Group PLLC are dealing with life-long disabling conditions. This BLOG is just a quick note to remind you that, even if it’s pouring, the sun will shine eventually. Don’t give up hope. Whether it be some form of economic, health,
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FRESH DENIAL LETTERS ARE BEST
Fresh Denial Letters A fresh denial letter would be a letter that you just received in the mail. With an ERISA denial, most people are afforded 180 days to appeal the denial in the administrative process. While 180 days may seem like a lot, the process of interviewing a potential client, sending and receiving a fee agreement, sending out a letter of representation, obtaining the claim file and reviewing it, and then proceeding to gather all evidence necessary for a complete appeal takes time. Obviously, it is much easier to build a strong appeal when your attorney has more time
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LONG-TERM DISABILITY CASES PROVIDE MEDICAL EVIDENCE FOR SOCIAL SECURITY DISABILITY CASES
Cremeens Law Group PLLC helps people obtain Disability Insurance Benefits, usually under the Federal ERISA statute, throughout the State of Florida. Most of these clients are also seeking Social Security Disability benefits. Because ERISA litigation can be very challenging, Cremeens Law Group PLLC is extremely careful about developing medical evidence for Disability Insurance cases. The good news is that we make the same evidence obtained for our client’s Disability Insurance case available for the client’s Social Security Disability case, which can greatly improve your chances of being approved for Social Security Disability. If you have been denied long-term disability insurance
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