Author Archives: Jay Butchko
Can You Get Social Security Disability While Receiving Unemployment In Florida?
Chronic pain, reduced mobility, and other symptoms of chronic illnesses or injuries can make working difficult. If you are let go from your current job, it can be challenging to find another. Filing for unemployment may be an option. You may also be able to get Social Security disability benefits. Can you get both?… Read More »
When Your Hands Are Your Career: Own-Occupation Disability Claims For Florida Surgeons
A surgeon’s career and ability to operate are built on years of education, residency, and subspecialty training. When an injury or illness takes that away, even partially, the financial consequences can be devastating. Employer-provided long-term disability insurance is supposed to protect against that loss, but insurers routinely challenge surgeon claims. Our experienced Jacksonville long-term… Read More »
Can You Collect Retroactive Social Security Disability Benefits In Florida?
Many Florida workers spend months struggling with conditions before applying for Social Security disability benefits. Unfortunately, by the time their claim is approved, months may have passed, resulting in significant income loss. Retroactive payments can help compensate you for that gap. Our experienced Jacksonville Social Security disability lawyer explains how these payments are calculated… Read More »
How A Job Description Can Cost You Your Florida Long-Term Disability Benefits
When a long-term illness or injury prevents you from doing your job, employer-provided long-term disability (LTD) insurance steps in. However, insurers often dispute claims and a common tool is the job description. Our experienced Jacksonville long-term disability lawyer explains the focus on occupation, what the insurer is really doing, and how to push back…. Read More »
Why Florida Dentists Lose Their Long-Term Disability Benefits
Dentistry is one of the most physically demanding professions in medicine. Florida dentists spend years in training to develop the precise manual dexterity, postural endurance, and fine motor control their work requires, and they spend entire careers putting those skills to use on tight schedules, in awkward positions, and under sustained physical stress. When… Read More »
Long-Term Disability Policies: Understanding the Features That Affect Income Replacement
By Charles Rotblut, Cynthia McLaughlin, Carolyn McClanahan, Thomas Farrell, Apr 21, 2026 Published in the AAII Retirement Investing a go-to resource for reliable, targeted advice to address your unique financial challenges at each stage of life. Individuals with long-term disability coverage may not be fully aware of how policy features can affect income replacement…. Read More »
How Treatment Gaps Impact Florida Social Security Disability Claims
If you’ve been too sick to work, you’ve probably had stretches where you couldn’t make it to the doctor, whether due to cost, transportation, or just needing to rest. Unfortunately, the Social Security Administration (SSA) may view these gaps in medical care as a sign that your condition isn’t severe or ongoing. That’s a… Read More »
Can Chronic Migraines Qualify You For Social Security Disability Benefits In Florida?
Chronic migraines can cause debilitating pain, nausea, vision changes, sensitivity to sound, and other troubling symptoms. Social Security disability benefits help offset lost income when injuries or illnesses prevent you from working, but are migraines eligible? The short answer is yes, you may be entitled to disability benefits for migraines in Florida, but the… Read More »
Caught In The Middle: How To Handle Conflicting Medical Opinions In Fort Lauderdale Long-Term Disability Claims
If you’ve filed for long-term disability (LTD) benefits in Florida through your employer, your own doctor’s opinion isn’t the only one that matters. Insurers often bring in their own doctors or hire third-party “independent” reviewers to poke holes in your claim. When facing conflicting medical opinions, don’t panic, but don’t ignore the situation either…. Read More »
Missed The Deadline For A Florida Long-Term Disability Claim Appeal? Here’s What To Do Next
When you’re sick or injured and relying on long-term disability benefits, getting a denial letter can send you into a panic. This isn’t something to put off or ignore, as missing the deadline to appeal a denial makes a bad situation even worse. Many people don’t realize they only have 180 days to file… Read More »
