Tuesday, June 5, 2018

Help Applying for Disability Benefits with a Mental Illness

Mental Illness Insurance Benefits in PhiladelphiaIt is certainly good to know that there is help for individuals who may not be able to work. When the term disability insurance is mentioned, it is common to associate these words with physical limitations. However, it is also quite common to obtain benefits because of a serious mental health issue that impedes the ability to work. In fact, the Blue Book used by the Social Security Administration (SSA) highlights nine specific disorders that qualify for disability benefits, although there is a vast amount of additional qualifying disorders.

The Nine Disorders Recognized by the SSA

Affective Disorders

Anxiety Disorders

Autism and Disorders Related to Autism

Mental Retardation

Organic Mental Disorders

Personality Disorders

Schizophrenia and Psychotic Disorders

Somatoform Disorders, and

Substance Addiction

Some of these disorders may seem to cover a broad range of illness, but each one comes with a specific set of criteria that must be met in order to qualify an individual for benefits. Each and every facet must match the criteria, and a person must prove that their illness entirely hinders their ability to engage in gainful employment.

It is absolutely vital that an individual is seeking treatment for their disorder while attempting to claim benefits. Because of the very nature of most mental disorders, claiming can be terribly difficult, and it becomes imperative to hire a skilled Philadelphia disability insurance lawyer to ease the process. The complications involved are excruciatingly intricate, and a highly skilled attorney knows exactly where to begin.

Obtaining Representation to File for Benefits

There are several other disorders that will qualify a person for disability benefits, and they are laid out in the SSA’s Blue Book and detailed thoroughly. Nevertheless, it can be quite tiresome to traverse the lengthy, complicated pages to see if you meet the specific requirements. This can be a painful process for someone of sound mind let alone someone who is suffering from a mental disorder. Hiring a qualified attorney who is knowledgeable in all areas of disability insurance should be your first step if you believe you qualify.

The most important reason for hiring a disability insurance lawyer is not only because of the complicated application process, which can take weeks alone but also because most claims are initially denied. Fortunately, you can rest assured that your denial is quite common, and there will be at least three chances to appeal. However, appealing a denial by yourself is a very difficult road, and you will greatly increase your chances of another denial without representation.

At Edelstein, Martin & Nelson, we are highly familiar with each and every portion of the process. We understand the likelihood of a denial, and we know exactly how to help you go about filing a successful appeal. Our experienced and professional attorneys realize that the process is not easy, and the SSA does not like to hand out benefits to anybody. While we can appreciate their reasons, we understand the difficulty that people with serious mental problems are dealing with. We take it upon ourselves to help the mentally disabled acquire the help and compensation that they need. If you or a loved one are suffering from a mental disorder and are unable to work, please contact us at 800-300-0909 or 215-731-9900 to schedule a free consultation today.

Sources:

https://www.ssa.gov/disability/professionals/bluebook/12.00-MentalDisorders-Adult.htm

https://www.ssa.gov/benefits/disability/

The post Help Applying for Disability Benefits with a Mental Illness appeared first on Philadelphia Disability Insurance Lawyer.

Tuesday, May 8, 2018

The Various Features of a Good Disability Policy

Disability Insurance Policies in PhiladelphiaIn Philadelphia, like anywhere else, there is nothing easy about losing the ability to work and earn wages, and subsequently being forced to find financial assistance. In times of sudden injuries or detrimental illnesses, your first and foremost concern must be your own health. Nevertheless, remaining focused on your well-being does very little to help you obtain compensation for your disability. And while the first action you should take is hiring a qualified and experienced Philadelphia disability insurance lawyer, it will also help you tremendously to be familiar with a good disability policy.

What to Look for in a Good-Value Policy

There are two main policy options, and they are referred to as an “Own Occupation Policy” and an “Any Occupation Policy.” The “own occupation” policy is the superior option because it affords you coverage if you are unable to work in your average field, even though you may be able to something less demanding. For instance, say you have been working construction for over 20 years and you have recently become disabled. You are now unable to perform the intensely physical demands of your typical job, although perhaps you can still perform clerical tasks, or something less demanding. You can still receive disability benefits with an “own occupation” policy.

With the other option being an “any occupation” policy, you must be unable to perform any work duties whatsoever in order to obtain this kind of insurance. It is important to understand that benefits can be much harder to obtain under this kind of policy, but it is the far cheaper one to purchase. All in all, if you can reasonably afford an “own occupation” policy, then this is the better option to go for.

Of course, the above options are only two things to keep in mind while looking for a policy. Non-cancelable coverage is a major importance when you are shopping around, particularly for younger buyers. Non-cancelable coverage means that the carrier cannot cancel your policy or raise rates, so keep that in mind. It is also crucial to look for residual benefits to be provided as part of a good policy. Residual benefits protect you in the event you are disabled, but still able to work part-time. With residual benefits, you can be compensated for the loss of wages that come with reduced work.

Additional Features

It is equally important to look for other features in a good policy such as a guaranteed renewable option, cost of living adjustment, future increase option, and catastrophic disability benefits. The details and other intricacies to these features can feel a bit complicated, and this only further emphasizes the importance of contacting an experienced disability attorney before doing anything else. A disability lawyer can ensure you that you are getting the best policy for your dollar.

At Edelstein, Martin & Nelson, our highly qualified disability lawyers know all of the ins and outs of what makes a good policy. Although we understand that disabilities often come on unexpected, and whether you’re trying to prepare for the future or file a claim for benefits now, our experienced attorneys can help you determine your best possible options. Call 800-300-0909 or 215-731-9900 to schedule a free consultation today.

Sources:

https://www.ssa.gov/policy/docs/ssb/v75n4/v75n4p1.html

https://www.bls.gov/ncs/ebs/benefits/2017/benefits_life.htm

The post The Various Features of a Good Disability Policy appeared first on Philadelphia Disability Insurance Lawyer.

Wednesday, April 25, 2018

Chronic Fatigue Syndrome and Filing for Benefits

CFS in PhiladelphiaEven in this day and age where we know so much about nearly everything, there are still many things about our own bodies that still seem mysterious. Medical conditions are often misdiagnosed or overlooked entirely. While these cases can lead to medical malpractice suits, sometimes doctors cannot be blamed because of the variety of misunderstandings that surround certain illnesses. One such illness is most commonly known as chronic fatigue syndrome (CFS) or systemic exertion intolerance disease (SEID) and this can become an unbearable disability.

Understanding CFS

CFS is an extremely complicated disease, and the exact source of it is still entirely unknown to modern medical science. The disease is generally characterized by extreme fatigue and utter exhaustion that cannot be explained by any other existent medical condition. Fatigue gets much worse with mental or physical exhaustion, however, rest does not help one bit. CFS is horribly unnerving for those who suffer from it, and the complications that arise are often terribly stressful as well.

Symptoms

Fatigue

Unexplained Muscle and/or Joint Pain

Swollen Lymph nodes

Loss of Concentration and Memory

Headache

Sore Throat

Severely Prolonged Periods of Exhaustion

The fact that CFS has no single test to actually confirm a diagnosis, plus the mystery surrounding its origins only adds more complications and stress onto people who are suffering from it. It is important to know if you have the aforementioned symptoms, and if you do, it is crucial that you begin seeking medical attention immediately. Obviously, you need medical attention simply for your health, but also if you are going to need any financial relief while you’re fighting this disease. CFS makes it feel utterly impossible to perform even the most mundane little daily tasks, let alone hold down employment. If you have CFS and you are in need of assistance, you are going to need a disability insurance lawyer.

Obtaining Disability Benefits for CFS

The very first thing that will be in your best interest is to consult with an experienced disability attorney to help you through the application process. This is largely because CFS can be terribly difficult to prove since doctors are currently still learning about it. You will need to be prepared with a folder full of medical evidence that supports your illness. Most often you are going to need months of medical treatments before you even begin the application. Having a highly qualified disability insurance lawyer on your side is especially crucial not only because of the rigorous proof you need to provide, but also because CFS affects concentration, and the mental stress of filing for benefits alone can do even more harm.

There is nothing easy about fighting any serious illness, and especially an illness that is difficult to prove such as a mental illness or CFS. Nevertheless, that does not mean that chronic fatigue is any simpler to handle, and working with such a disease can be a complete nightmare. At Edelstein, Martin & Nelson, we sympathize with the terrible nature of your situation, and we understand the difficult fight you are facing, pertinent to receiving benefits for your condition. Our expert attorneys know everything there is to know about filing for disability benefits with CFS. If you or a loved one are looking into obtaining disability benefits for any such disease, please call 800-300-0909 or 215-731-9900 today.

Sources:

https://www.mayoclinic.org/diseases-conditions/chronic-fatigue-syndrome/symptoms-causes/syc-20360490

https://www.disability-benefits-help.org/disabling-conditions/chronic-fatigue-syndrome

The post Chronic Fatigue Syndrome and Filing for Benefits appeared first on Philadelphia Disability Insurance Lawyer.

Wednesday, April 18, 2018

Disability Benefits for Less Obvious Impairments

Mental Illness in PhiladelphiaThere are numerous instances where it is painfully obvious why someone needs disability insurance benefits. In Philadelphia, we see all kinds of cases, from the most severe and traumatic injuries to the less obvious debilitating nature of mental illnesses such as anxiety and depression. While we are certainly here to help you if you have been denied disability benefits for any reason, sometimes it is important to focus for a minute on those disabilities that might not be clear to the naked eye.

Anxiety and Depression

Of course, these are not the only forms of mental illness that may be covered by disability insurance, but they certainly are common and widespread. It might be an unfortunate sign of the state of our society, but millions of people suffer from these incapacitating mental illnesses nationwide. These disabilities are much harder to recognize, although that does not mean anything when it comes to the ability to work while suffering from such a condition.

The anguish and toll that mental illness takes on so many people are difficult enough to deal with, without being denied any help whatsoever. Many people tend to think that disabilities should only be considered a physical inability to work, but when the mind cannot be present, work cannot be performed. Mental illness creates just as much insufficiency in the workplace as physical injury, and while someone is seeking some financial assistance in order to obtain medical help, we need to be there for them. As long as a legitimate mental illness is involved, there is no reason we should deny our vulnerable citizens relief.

When Your Mental Illness Disability Claim is Denied

Regardless of good intentions, these hard-to-see disabilities are often denied. Sure, we can all understand that some people wish to take advantage of the system and manipulate their employers, but that is obviously not always true. This is why in order for a person to successfully file a claim for benefits based on a mental illness, they must prove beyond a doubt that the illness seriously impedes their ability to function.

Proving your mental disability can be terribly trying, especially since many people who suffer from these illnesses are still able to work. The problem really comes in when those who are unable to work are also unable to attend medical appointments and therefore lack the proof they need to file their claim. The biggest reason for denial is a lack of medical proof of the illness. It is highly recommended that you consult the Social Security Administration even if you have no proof. Furthermore, it is in your absolute best interest to consult an experienced disability insurance lawyer prior to anything else.

At Edelstein, Martin & Nelson, we take your disability seriously, regardless of its physical or mental nature. We realize the powerful torment that mental illnesses like depression and anxiety create, and we believe that you should never have to suffer alone. It is the right of every citizen to be accurately represented and awarded any benefits that may help them through the most difficult of times. If you or a loved one are suffering from a mental illness and especially if you have been denied benefits, please don’t hesitate to call us at 800-300-0909 or 215-731-9900 today!

Sources:

https://medlineplus.gov/mentaldisorders.html

http://dhs.pa.gov/cs/groups/webcontent/documents/form/s_002642.pdf

The post Disability Benefits for Less Obvious Impairments appeared first on Philadelphia Disability Insurance Lawyer.

Wednesday, April 11, 2018

Two Huge Mistakes People Make When Attempting to Obtain Disability Benefits

Disability Insurance in PhiladelphiaNobody said that getting disability benefits is a quick and easy task. The truth is it can be terribly complicated and time-consuming. Before you even begin the process of attempting to receive disability benefits in Philadelphia, the wisest thing you can do is hire the most experienced Philadelphia Disability Insurance Lawyer you can find. We have a very large team of highly qualified disability lawyers who can evaluate the severity and existence of your impairment.

Applying for Philadelphia Disability Benefits

A big mistake is the lack of adequate representation. It is crucial to understand why having our lawyers on your side is so important, and a big reason is that of the initial application process. There are extremely stringent guidelines in place in order to obtain disability compensation, and first, you need to know that your application for benefits will be reviewed by hordes of legal professionals. Remember that a professional medical provider is vital to creating a viable case, and this is something a qualified attorney can ensure you have in place. And once your application is processed, the SSA will begin researching the evidence of your claim.

Our attorneys will guide you through the lengthy medical requirements process, however, after that, the SSA reviews all of the non-medical stipulations pertinent to your case before transferring the decision to Disability Determination Services (DDS). DDS officers are responsible for determining your eligibility for benefits through a lengthy evaluation of all medical and non-medical requirements.

Appealing Your Case in the Event of a Denial

If DDS have decided to deny your application for benefits, you will have multiple chances to appeal their decision. Unfortunately, the second largest mistake people make is failing to appeal or failing to appeal within the allotted time frame of 60 days. Again, this is why representation is so important since our lawyers can identify the source(s) of denial in a timely manner. It is good to know that you may have up to a total of four chances to have your case heard, but without a qualified attorney, the likelihood of receiving your benefits will be greatly diminished.

Your first appeal is called a Request for Reconsideration, and if you are still denied, you may request a Disability Hearing. At a hearing, an Administrative Law Judge will be the deciding factor in your case. Nevertheless, you may still have two more opportunities to have your case heard, and they are in the form of an Appeals Council Review and finally, a District Court Case. Regardless of how the process goes for you, you should certainly understand why legal representation is absolutely crucial to the success of your claim.

At Edelstein, Martin & Nelson, we vigorously fight for your rights to be accurately compensated for your disability, and we adamantly understand the grueling process of filing a claim for benefits. After becoming disabled, you are likely flooded with a staggering amount of concerns besides your medical condition, alone. The last thing you need is the added stress of filing a claim for benefits by yourself, and additional anguish if your application is denied. Do yourself an enormous favor, and call us at 215-731-9900 or 800-300-0909 now, to let us help you get started!

Sources:

https://www.ssa.gov/appeals/

http://www.dli.pa.gov/Businesses/Labor-Management-Relations/Pages/DisabilityDetermination.aspx

The post Two Huge Mistakes People Make When Attempting to Obtain Disability Benefits appeared first on Philadelphia Disability Insurance Lawyer.

Wednesday, April 4, 2018

Basic Qualifications for Disability Compensation

Disability Insurance in PhiladelphiaWe spend our lives working, and often times our jobs quite literally become our lives, but what happens when you have been severely injured and are no longer able to do the work you’ve been doing your entire life? How do you reclaim some sort of financial stability? These questions can be difficult to answer, and the process can be tedious, but there is always help for you when it comes to obtaining Philadelphia disability insurance.

The Steps to Take

Even though it may sound trite and obvious, the first step in receiving disability benefits is to be absolutely sure you will qualify. The two main determining factors are first being sure that you are entirely unable to perform substantial work duties due to your medical condition. And secondly, that your medical condition has persisted or is expected to persist for at least one year.  If your disability meets these requirements, then you are most likely going to be able to move forward with your claim for benefits.

When it comes to applying for any social security disability compensation, the entire process can take several months or more until you actually begin receiving checks. Once you are absolutely certain that you meet the requirements, your next step is to apply as soon as possible. Typically, you will want to apply for benefits immediately after you have become disabled. Waiting too long can have a serious effect on your financial steadiness.

Will I Have to Fight for Compensation?

In a perfect world, the answer is no. However, this is not always the case since many people have been known to try obtaining disability benefits fraudulently. Even if your case seems open and shut, you will likely still need to prove your disability. Proof of your disability will always include information that will be requested to view from your doctor. The information you will need to provide are things such as; what type of medical condition you have, how long you have had it, how it limits your activities and any tests and treatments you have had.

With all of this in place, your path to compensation should be fairly clear. In any event, no one likes to hand out money until they are absolutely sure, and this is no different when it comes to the state of Pennsylvania, like any other state. You will be well advised to understand that the state will certainly require you to prove beyond the shadow of a doubt that you are unable to perform any reasonable amount of work due to your medical condition. Moreover, this fight to prove your disability, no matter how cut and dry it may seem, can be strenuous and difficult. This is especially true considering that you now have your health and well-being to focus on, primarily.

At Edelstein, Martin & Nelson, we understand the importance of your health and your financial stability as well. The last thing you want to do is sacrifice one while you’re fighting for the other. It is imperative that you leave your financial concerns in the hands of experienced, qualified, and compassionate representation. Obtaining your disability compensation should be a smooth process that does not add any stress to your situation, but only aids in relieving your anguish. If you have recently become disabled, and need any help in acquiring the compensation you deserve, call 800-300-0909 or 215-731-9900 today to discuss your options moving forward.

Sources:

http://www.dli.pa.gov/Individuals/Disability-Services/bdd/Pages/default.aspx

https://www.ssa.gov/forms/ssa-16.html

The post Basic Qualifications for Disability Compensation appeared first on Philadelphia Disability Insurance Lawyer.

Wednesday, March 28, 2018

Can You Attain Disability Benefits After a Car Accident in Philadelphia?

disability insurance lawyerMore often than not, people who have been in a car, truck, or motor vehicle accident, whether as the motorist, bicyclist or otherwise, typically suffer minor or severe injuries. Broken bones are very common, and it is important to understand what you can do in order to retain full compensation for the time you are unable to work.

Broken Bones, the Extent of Your Injury, and Your Coverage

The extent of your injuries determines the amount of work you can physically perform, depending on your job. Broken bones typically have pretty expedient healing time, and your ability to attain benefits may depend largely on the calendar. Residents of Philadelphia are not covered by the state of Pennsylvania for a sudden inability to work. Since the state does not provide short-term disability benefits for any medical conditions that take place off work, it is up to each resident to attain private coverage.

In any event, if you have found yourself in an unfavorable situation after an accident, you are completely out of options. You still have the right to file a claim for short-term disability benefits, although you will have to be willing to adhere to some strict criteria.

Applying for Short-Term Benefits

First and foremost, you must file all forms in order, and of course, everything must be done at the appropriate time. There is very little you can do if you have not purchased disability insurance prior to your accident. This is a predicament that many people find themselves in, but there may be a couple steps you can take. Things such as personal loans and debt relief programs are options that may be worth your time.

If you have everything in order you need to complete and file your carrier’s claim form. It is important to know that you must prove you are healthy when purchasing disability insurance as pre-existing conditions are not covered for a period of at least twelve months minimum. You will need to have a new policy form in place, and depending on your agency, you may have to provide both salary verifications as well as urine and blood samples.

Work and Other Considerations After an Accident

The type of work you perform makes a huge impact on the extent of your need for disability benefits. For instance, because of the fact that residents who live in Philadelphia and who commute into the state of New Jersey for work are granted mandated coverage. New Jersey is one of few states that provide short-term disability benefits, and laws concerning lost wages do not apply to where you live, but where you work. This exception and many other intricate stipulations surround the complexities of attaining disability benefits after a car accident and increase the importance of having experienced representation on your side.

At Edelstein, Martin, & Nelson, we thrive on our dedication to getting you the benefits you need. We understand working what it’s like to work with a multitude of different insurance companies, guidelines, and laws. If you have been hurt in a motor vehicle and are rendered unable to work, call our experienced disability professionals at 800-300-0909 or 215-731-9900 today.

Sources:

https://www.growingfamilybenefits.com/pennsylvania-short-term-disability/

http://insurance.rutherfordcountytn.gov/documents/std_claim_form.pdf

https://www.phila.gov/personnel/Reg32.html

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