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    Robbed of Your Peace of Mind? Your Guide to Long Term Disability Benefits

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    The Key To Hiring The Right Long Term Disability Attorney

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    The Smart Long Term Disability Guide For Preparing Your Statement and Field Visit

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  • Social Security Disability Guide

    Your Rights To Social Security Disability Benefits - Your Guide to Getting Benefits Now

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Category Archives: Blog

Can I Collect Unemployment Benefits And Supplemental Security Income Benefits?

While you can collect Supplemental Security Income (SSI) benefits, any Unemployment benefits you receive count as unearned income which will reduce the amount of your SSI benefits.

Supplemental Security Income Benefits Questions?

Applying for SSI and need some guidance? Contact Supplemental Security Income lawyer Nancy Cavey today for a complimentary, no obligation consultation at 727-894-3188 to help you with any questions you may have. We are here to help you with your situation if you are in need.

What Is “Disability” For The Purposes Of Collecting First Responder Workers’ Compensation Benefits?

first responder workers compensation benefits

If you’re a First Responder, Section 112.18 of the Florida Statutes provides that any condition or impairment caused by tuberculosis, heart disease or hypertension resulting in total or partial disability or death is presumed accidental and be suffered in the line of duty, unless contrary evidence is shown by competent substantial evidence.

first responder workers compensation benefits

Of course, you’ll have to successfully pass the physical examination upon entering into employment which did not reveal any evidence of any such condition for the presumption to be applicable.

You are also required to show that you were disabled and restricted from working before you’re entitled to compensation or medical benefits.

What medical evidence is required to establish disability?

In the case of the City of Jacksonville Fire and Rescue Department v. Battle, Mr. Battle was a firefighter who had successfully passed his pre-employment physical. He developed hypertension and heart disease and underwent a catheterization. He was taken out of work following the procedure for 3 days by his doctor.

The City of Jacksonville denied his claim on the basis that he wasn’t disabled, notwithstanding the fact that his physician had restricted him from working for 3 days.

As expected, the First District Court of Appeals upheld the Judge of Compensation Claims’ finding that Mr. Battles was disabled and restricted from working because of the catheterization.

What should I do if my First Responder claim has been denied?

Contact Florida Workers’ Compensation First Responder attorney Nancy Cavey who can help you get the Workers’ Compensation money benefits and medical benefits you deserve. Call today at 727-894-3188.

Is It Inconsistent For Me To Apply For Unemployment Insurance And Social Security Benefits?

That’s a great question and many Social Security Administrative Law Judges believe that collecting Unemployment Insurance and Social Security benefits is “double dipping.”

What’s the inconsistency?

When you apply for Unemployment Compensation benefits, you’re certifying that you’re able to work.  Yet, when you apply for Social Security Disability benefits, you’re certifying that you can’t work.  Which is it?

What’s the Social Security rule and policy?

The Social Security rules and policy provide that the “receipt of unemployment insurance benefits does not preclude the receipt of Social Security Disability benefits.”  It is only “one of the many factors that must be considered in determining whether the claimant is disabled” and “a person can qualify for Social Security Disability benefits, even though they remain capable of performing some work.”

Therefore, the Chief Social Security Judge has issued a Memorandum to the Administrative Law Judges advising that it is “SSA’s position that individuals need not choose between applying for unemployment insurance and Social Security Disability benefits.”  (Cite to the Memoranda of Chief ALJ Frank Cristaudo, dated November 15, 2006 Ref. No. 07-11; and August 9, 2010 Ref. No. 10-1258.)

So, how do the Tampa Bay Social Security judges apply this ruling?

Unfortunately, despite the Chief Judge’s pronouncement, some Administrative Law Judges simply won’t award SSDI benefits during a period of time in which you’ve collected unemployment benefits.

Others will award Social Security Disability benefits during a period of time in which you collected unemployment, if you can show:

1.         You can only work part-time at less than presumed SGA levels due to medical impairment;

2.         Can only work in a sheltered or accommodated work due to disability;

3.         Can only work sporadically due to a medical impairment producing episodic incapacity to work;

4.         Meets a medical vocational (grid) rule directing a finding of disability);

5.         Filing in the alternative to preserve rights because you’re unsure of whether your medical condition meets the disability and duration requirements when filed; or

6.         You honestly but mistakenly believed that you could work.

What should you do if you’ve applied for both Social Security Disability and Unemployment benefits?

Be sure to tell your disability attorney that you’ve applied for both because you can be assured that the Social Security Administrative Law Judge will ask you questions about the receipt of your unemployment benefits.  You should be prepared to answer these questions honestly and accurately.

What should you do if your Social Security Disability claim has been denied?

Contact Tampa/St. Petersburg Social Security Disability attorney Nancy Cavey today who can help you get the Social Security Disability benefits you deserve.  She can answer any questions you have regarding the receipt of unemployment compensation benefits and your Social Security Disability application.  Call today at 727-894-3188.

Ovarian Cancer And Your Rights To Long Term Disability Benefits

Ovarian Cancer long term disability attorney

More than 20,000 women in the United States are diagnosed with ovarian cancer each year and over 15,000 women die annually from the disease. If diagnosed and treated early when cancer is confined to the ovary, the five-year survival rate is over 90 percent.

Ovarian cancer is a disease in which malignant or cancerous cells develop in your ovaries. There are many types of cancers and tumors that can form in the ovaries. Some are benign, or non cancerous, which can be treated surgically. Unfortunately, others are malignant or cancerous and the treatment options and outcome would depend on the type of ovarian cancer and how far it has spread before it is diagnosed.

Ovarian Cancer long term disability attorney

What you should do if you’ve been diagnosed with ovarian cancer and have a long term disability policy

You may have purchased a long term disability policy through your employer or purchased one on your own. If you’ve been diagnosed with ovarian cancer, it’s important that you get out your long term disability policy and begin the application process.

Long term disability carriers don’t always make it easy for those with ovarian cancer to get the long term disability benefits you deserve. They may delay your application by requesting additional information or more forms to be completed by your physician. They may question your complaints of fatigue or the side effects of medication. Don’t let the long term disability carrier question your claim.

If you claim has been delayed or denied, contact Ovarian Cancer Long Term Disability attorney Nancy Cavey who can help you get the long term disability benefits you deserve. Call today at 727-894-3188 for a free no obligation 30 minute consultation.

Dementia And Your Rights To Social Security Disability Benefits

Dementia social security disability

Dementia is a broad term used to describe different brain disorders that can affect memory, thinking, behavior and emotion. One of the most common causes of dementia is Alzheimer’s disease but there are other causes including vascular disease, dementia with Lewy bodies and fronto-temporal dementia.

Early symptoms of dementia can include memory loss, difficulty performing familiar tasks, problems with language and changes in personality.

Dementia social security disability

Your Rights to Social Security Disability Benefits and Dementia

The Social Security Administration doesn’t always make it easy for those with Dementia to get the Social Security Disability benefits they deserve.

It’s important that your medical records document the memory loss, difficulty performing tasks and problems with language. Psychiatric testing or other objective testing may be required to prove the diagnosis and the functional restrictions and limitations. If your doctor has diagnosed Alzheimer’s and has advised you no longer to work, you should apply for Social Security Disability benefits. Don’t let a denial discourage you from getting the Social Security Disability benefits you deserve.

Contact Alzheimer Social Security Disability attorney Nancy Cavey who can help you get the Social Security Disability benefits you deserve. Request more information about your Social Security Claim today by ordering our Free Book: Your Rights To Social Security Disability Benefits get it today to educate yourself about the claims process or call 727-894-3188 for immediate assistance.

What Every Prostate Cancer Sufferer Needs To Know About Social Security Disability Benefits

prostate cancer social security disability

Prostate cancer is a form of cancer that develops in the prostate and is normally a slow growing tumor. However, once the prostate cancer spreads, it is dangerous and aggressive and can reach your bones, lymph nodes and lungs.

prostate cancer social security disability

Symptoms of Prostate Cancer

Unfortunately, during the early stages of prostate cancer there are no symptoms and that’s why annual prostate cancer testing is critically important.

Serious prostate symptoms can include:

• Pain in the genital and pelvic area;
• Blood in the urine or seamen;
• Frequent urinary tract infections;
• Unexpected weight loss;
• Pain in the lower back or pelvic area;
• Anemia; and
• Fatigue.

Many of the prostate cancer symptoms are similar to prostatitis, erectile dysfunction or an overactive bladder. If you have any of these symptoms, you should contact your physician immediately.

What Should I Do If I’ve Been Diagnosed With Prostate Cancer?

If your physician has diagnosed prostate cancer and told you that you’re unable to work, you should immediately apply for Social Security Disability benefits. The Social Security Administration doesn’t always make it easy for those with prostate cancer to get the disability benefits they deserve, even in more progressive cases. However, the Compassionate Allowance Program may be the right answer for getting you your Social Security Disability benefits.

To learn more about your rights to Social Security Disability benefits for prostate cancer, contact Tampa Bay Social Security Disability attorney Nancy Cavey at 727-894-3188.

What You Need To Know About The Appeals Council If Your Social Security Disability Claim Is Denied

social security disability appeals council

If your Social Security Disability claim is denied by the Administrative Law Judge you have a difficult decision to make. The Social Security Administration will give you 30 days to appeal to the Appeals Council or file a new Social Security Disability claim asking for benefits from the date of the Administrative Law Judge’s denial forward.

By filing a new claim for Social Security Disability benefits you give up the back benefits from the time of your initial application until the time of the Administrative Law Judge’s decision. That can be a significant amount of Social Security benefits.

On the other hand, the Appeals Council is just not a friendly place for Social Security Disability applicants whose claims have been denied.

social security disability appeals council

Statistics About the Appeals Council in 2013

The appeals council processed 176,251 requests for review and the average time for the Appeals Council to make a decision was 364 days.

The Appeals Council will not take new testimony and simply reviews the Administrative Law Judge’s decision and the record to determine whether the Judge has made an error of law.

According to the statistics, over 76.87% of Administrative Law Judge’s denials were upheld and only 17.11% were remanded to the Administrative Law Judge. Less than 1.45% of decisions were found to be fully favorable.

These are awful statistics!

Making a difficult decision

If your claim for Social Security Disability has been denied, you’ll have to make a difficult decision about whether you want to appeal to the Appeals Council or start all over. Certainly, these statistics don’t bode well if you choose to appeal to the Appeals Council.

You should contact experienced Appeals Council attorney Nancy Cavey for advise as to how to proceed if your claim for Social Security Disability benefits is denied by the Administrative Law Judge. Give us a call today at 727-894-3188 to discuss your options!

Can I Work And Still Receive Social Security Disability Benefits?

work while on social security disability benefits

Maybe! It is possible to work part-time and not lose your Social Security Disability benefits but the answer depends on how much you earn and what kind of disability benefits you are receiving.

If you’re receiving Supplemental Security Income (SSI) and go to work, your SSI benefits will be reduced by $1.00 for every $2.00 you earn after the first $65.00 or ($85.00) if you have no other income. That means that you could earn so much working part-time but your SSI benefits would stop.

work while on social security disability benefits

Social Security Disability Benefits and Working (SSD)

If you’re receiving Social Security Disability benefits and your earnings are below what the Social Security Administration calls the annual “Substantial Gainful Activity Amount,” your benefits will neither stop or be reduced because of your earnings. You continue to get your full Social Security Disability benefits while you work part-time. It’s also possible to earn more than “SGA” amount and still receive your full benefits during the 9-month trial work period.

How much can I earn per month and still receive my Social Security Disability benefits?

The amount that you can earn up to “substantial gainful activity” (SGA) changes on an annual basis and, as of 2014, is $1,070 per month. The SGA amount is the absolute cut-off point.

If your earnings are more than the substantial gainful activity amount your benefits will stop after you’ve used up your 9-month trial work (on a grace period of 3 months), no matter how disabled you are.

If you want to work part-time, it’s best to keep your income well below the substantial gainful activity amount. Remember, there is no trial work for SSI.

How long is the trial work period for SSD?

That trial work period allows you to earn any amount for 9 months and still receive your full disability benefits. You can test your ability to return to work full-time without having your monthly disability benefits stopped. Most people often use up their trial work period by working part-time. A trial work month here, and a trial work period there, still counts as long as all 9 months are used in a 5-year period of time. Once you use up your 9-month trial work period, it’s gone!

You’ll probably be able to get your disability benefits back if you start working within 3 years after you’ve used up your 9-month trial work period. If you’ve worked again at SGA for more than 3 years after your trial work period, you’re going to have to start the Social Security Disability Claims process all over.

The SGA number is based on gross wages which is not averaged over the months worked.

Don’t use up your trial work period

It’s best not to use your trial work period until you are ready to return to work full-time. Don’t waste it on part-time employment.

If you are receiving Social Security Disability benefits, you are required to report your work promptly. We suggest that if you telephone the Social Security Administration to report you’ve begun to work, ask when you need to provide income documentation. Be sure to get the name and location of the name of the person you speak with and follow up with a letter to your local office keeping a copy of the letter for your files.

Call us at 727-894-3188 to discuss your options when it comes to hiring an Social Security Disability Attorney in the Tampa St. Petersburg area to help!

 

NOSSCR Commentary Article About SSDI Misconceptions

the hill ssdi article

In a recent commentary article by NOSSCR, found here: http://thehill.com/blogs/congress-blog/healthcare/215601-ssdi-the-truth-behind-media-and-political-mischaracterizations shows some misconceptions that the media may put out about SSDI. What are your thoughts about the article and the real truth behind it?

Do you need help with your SSDI or have a question? SSDI Attorney Nancy Cavey has been practicing disability law for over 30 years. Give us a call today 727-894-3188.

Stomach Cancer And Your Rights To Long Term Disability Benefits

stomach cancer long term disability attorney

Did you know that stomach cancer is the 4th most common cancer worldwide and the 2nd leading causes of cancer deaths in the world?

More than 10,000 American suffer from stomach cancer and 1 in every 114 men and women are at risk of this deadly disease!

However, if you are diagnosed with stomach cancer, you should immediately apply for long term disability benefits.

stomach cancer long term disability attorney

Stomach cancer signs and symptoms

Early stage stomach cancer rarely causes symptoms and, as a result, detection is difficult. However, signs and symptoms of stomach cancer can include:

1. Indigestion, heartburn or ulcer-type symptoms;
2. Difficulty swallowing;
3. Abdominal pain or vague discomfort in the abdomen, usually above the navel;
4. Nausea and vomiting and/or bloating after meals;
5. Vomiting blood, or blood in the stool;
6. Diarrhea or constipation;
7. Loss of appetite;
8. Unexplained weight loss;
9. Weakness and fatigue;
10. Sense of fullness after eating small amounts of food (also called early satiety); and
11. Symptoms may mimic other conditions, such as GERD, gastritis or peptic ulcer.

These signs and symptoms shouldn’t be ignored and you should immediately consult with your physician. These symptoms can sometimes also be caused by things other than stomach cancer and you want to have a peace of mind and have your physician determine the cause of your problem.
It may be hereditary and strikes young adults in their 20′s, 30′s, and 40′s. It’s typically diagnosed in the late stages and, unfortunately, there is a 5 year survival rate.

What should I do if I’ve been diagnosed with stomach cancer?

You may be entitled to long term disability benefits if you purchased a long term disability policy through your employer or bought your own disability policy. You should immediately contact Long Term Disability lawyer Nancy Cavey who can help you get the long term disability benefits you deserve for stomach cancer. It’s crucial that you get these benefits as quickly as possible so that you can get the medical care that you desperately need. Give us a call today at 727-894-3188 to setup your free consultation.