Author Archives: Jay Butchko
Florida Social Security Long-Term Disability Denials: What To Do Next
Social Security long-term disability benefits can provide a lifeline for Florida residents. Unfortunately, filing a claim is a long process, and denials are common. However, while no doubt discouraging, it’s not the end of your claim. According to the Social Security Administration (SSA), two-thirds of initial applications are denied, but many are ultimately approved… Read More »
Can Getting Married Affect Your Florida Social Security Disability Benefits?
Planning to get married is one of life’s most exciting milestones. However, for Florida residents receiving Social Security Disability Insurance, it can also raise real financial questions. Will your monthly benefit change? Could you lose coverage altogether? There are specific situations where marriage matters. Our experienced Jacksonville Social Security disability lawyer explains what Florida… Read More »
How Long Does It Take To Get Approved For Social Security Disability Benefits In Florida?
If you are unable to work due to a serious medical condition, it can feel like forever waiting for Social Security disability benefits to begin. One of the most common questions we hear from clients concerns how long the approval process will take. Unfortunately, there is no one answer. It depends on various factors… Read More »
Florida Social Security Disability Benefits For Mental Health Conditions
If you are diagnosed with depression, anxiety, PTSD, or other mental health conditions, you are not alone. They are common among Florida residents and can impact every area of your life. When your condition prevents you from working for a year or more, Social Security disability benefits can help cover lost income, but getting… Read More »
What “Totally Disabled” Actually Means In Your Florida Long-Term Disability Policy
If you are filing for long-term disability benefits in Florida through your employer, you may assume that having a serious medical condition and being unable to work is enough to qualify. However, in most cases, it is not that simple. Whether you receive benefits depends heavily on how your policy defines the words “totally… Read More »
Five Common Mistakes Doctors Make That Can Result In Denied Long-Term Disability Benefits In Florida
Doctors spend years training to assess complex medical situations. However, when it comes to their own long-term disability claims, that clinical confidence can become a liability. Physicians are among the most likely professionals to make preventable mistakes when filing for disability benefits, and those mistakes can cost them months or years of income replacement… Read More »
Your Florida Long-Term Disability Claim Was Denied For A Pre-Existing Condition. Now What?
Receiving a long-term disability denial letter is stressful under any circumstances. When the denial is based on a pre-existing condition, it can feel even more discouraging, especially if you believe your current condition has little to do with your medical history. The good news is that many denials based on pre-existing conditions are successfully… Read More »
Social Security Disability Benefits Approved? Preparing For Continuing Disability Reviews In Florida
Getting Social Security disability benefits in Florida is a hard-won victory. However, the Social Security Administration (SSA) periodically reviews approved cases to ensure that recipients continue to meet the medical requirements. These reviews are called Continuing Disability Reviews (CDR). Our experienced Jacksonville Social Security disability lawyer helps clients in these cases and explains how… Read More »
Can A Florida Employer Cancel Your Long-Term Disability Coverage?
If you receive long-term disability insurance through your job, you count on that coverage to be there when you need it. Unfortunately, this is often not the case. Florida employers can cancel or change your LTD policy under certain circumstances, with little notice. It’s a frustrating situation and can put both your health and… Read More »
Can Other Income Reduce Your Florida Long-Term Disability Benefits?
If you are receiving employer-provided long-term disability (LTD) benefits, you may assume that any additional income you receive on top of those payments is yours to keep. Unfortunately, that assumption can be costly. Most LTD policies contain offset provisions that allow the insurer to reduce your monthly benefit dollar-for-dollar based on income from other… Read More »
