Author Archives: Jay Butchko
Understanding Your Disability Insurance Policy
Unless a person works in an area that exposes him/her to the risk of injury on a regular basis, most people do not spend much time contemplating what would happen if they could not work due to a disability. But, people are injured or suffer the onset of a serious illness every day. In… Read More »
Figuring Out The Right Time To File For Disability
There is no one particular way a disability can occur. For some, the onset is gradual as the body breaks down over time from the physical demands of a job. For others, the onset is sudden and unexpected, perhaps due to an accident or a diagnosis of a debilitating disease. How and when a… Read More »
Qualifying For A Medical Vocational Allowance
The process of qualifying for Social Security Disability Insurance (SSDI) benefits can seem mysterious to many claimants. The number of rules and regulations that govern how the Social Security Administration (SSA) reviews and evaluates disability is daunting, to say the least, and unfortunately, make what seems to be a relatively straightforward disability claim much… Read More »
Preexisting Conditions And Disability Insurance Coverage
The point of buying a health insurance policy is that it will pay the benefits purchased when a problem occurs, regardless of when or how it arose. However, it is common for disability insurance policies to include coverage exclusion provisions for preexisting conditions, both in group employer-sponsored plans and individually purchased private policies. This… Read More »
Help From a Legal Representative in Handling Your Disability Claim
Dealing with a disability is overwhelming in the best of circumstances, and the disabled individual often requires a strong support system to assist with daily tasks and interfacing with doctors and other health professionals. A large number of disabled people are forced to stop working for years at time or permanently due to their… Read More »
Qualifying for SSDI as a Young Adult
The majority of people who apply for Social Security Disability Insurance (SSDI) benefits are older, with the average recipient being 53 years old. By this age, they have worked a significant number of years, and typically have no issues fulfilling the work credit requirement that is a prerequisite to filing for benefits. However, no… Read More »
Options for Disability Benefits If You Elected Early Retirement
Social Security Disability Insurance (SSDI) benefits are designed to provide financial support for individuals who have to stop working because of a disabling impairment, and are not eligible for federal retirement benefits. Consequently, SSDI presupposes that a person was, until very recently, fully engaged in the working world, and, but for the disability, would… Read More »
Signs a Disability Insurance Company Is Unjustly Denying a Claim
Disability insurance offers a great benefit, but is often tricky to access. When someone is suffering from a disability that prevents him/her from working, the common course of action is to file a claim with his/her insurance company under a long-term disability policy, if available. The standard for establishing a disability under a private… Read More »
How Disability Examiners Evaluate Medical Evidence
When a person files a Social Security Disability Insurance (SSDI) claim, one of the first and most important questions that frequently comes to mind is how an examiner from the Social Security Administration (SSA) will evaluate their case. Given the time it takes to gather all the information a claimant needs to initiate a… Read More »
Preparing Yourself for the SSDI Process
Most people cannot afford to lose their job due to a disability. As a result, unless a person has a private disability insurance policy, he/she must quickly turn to Social Security Disability Insurance (SSDI) to recover some portion of lost income. However, getting a decision on a disability claim from the Social Security Administration… Read More »
