tag:blogger.com,1999:blog-66192488487844409722024-02-08T14:39:22.560-05:00Personal Injury Attorney PhiladelphiaUnknownnoreply@blogger.comBlogger88125tag:blogger.com,1999:blog-6619248848784440972.post-15304031452673512692019-04-22T13:05:00.001-04:002019-04-22T13:05:19.381-04:00Requesting Accommodations at Work<p>Reasonable accommodations at work are granted to all employees who qualify for a disability under the <a href="https://www.eeoc.gov/eeoc/publications/accommodation.cfm" target="_blank" rel="noopener nofollow">Americans with Disabilities Act</a> (ADA). Any employee with a disability has the right to alternative working conditions that allow that employee to continue working despite having a disability. However, you will need evidence and explanations for how your disability limits your abilities to qualify for accommodations. Try talking to a Philadelphia disability lawyer if you experience trouble trying to obtain these accommodations from your employer.</p>
<h2>Basics of Reasonable Accommodations</h2>
<p>The <a href="https://www.eeoc.gov/eeoc/publications/accommodation.cfm" target="_blank" rel="noopener nofollow">ADA</a> demands employers with 15 or more employees to offer accommodations to workers with disabilities, but not if an accommodation creates undue hardship. Undue hardship is anything that slows down the workplace in a way that could harm productivity or business. The main types of reasonable accommodations are changes to job application customs, the work environment, ways a job is performed, and equal benefits of employment.</p>
<p>Certain tasks at work may no longer be attainable for someone with an acquired disability. For example, someone in a wheelchair may not be able to operate the forklift anymore, but can still organize paperwork or work on projects that do not require heavy machinery. Other aspects of a job that may need to be altered to fit the limitations of having a disability are rules for breaks and time allotted to complete a task.</p>
<h2>Ways to Request Accommodations at Work</h2>
<p>Other examples of <a href="https://adata.org/factsheet/reasonable-accommodations-workplace" target="_blank" rel="noopener nofollow">reasonable accommodations</a> are providing closer parking, allowing therapy pets in the workplace, installing equipment to make a job more accessible, or reassigning disabled employees to a more suitable task. There are various ways to go about requesting these accommodations. The first step is to set up a meeting with your employer to inform them of what disability you have and what accommodations you will need to continue working there.</p>
<p><img class="size-medium wp-image-1466 alignleft" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/chair-89156_1920-300x199.jpg" alt="Requesting Accommodations at Work" width="300" height="199" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/chair-89156_1920-300x199.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/chair-89156_1920-768x508.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/chair-89156_1920-1024x678.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/chair-89156_1920-221x146.jpg 221w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/chair-89156_1920-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/chair-89156_1920-113x75.jpg 113w" sizes="(max-width: 300px) 100vw, 300px" />Explain how your disability limits your ability to perform certain aspects of the job and provide doctor’s notes if your employer asks for them. Not everyone knows the symptoms of every disability, so be patient, but informative. After this disclosure process, your employer may negotiate a deal with you that incorporates or omits some of your requests. Changes will be implemented after an agreement is reached.</p>
<p>Depending on which disability you have, your condition may require ongoing accommodations. Be sure to let your employer know this in advance. For example, disabilities associated with degenerative brain diseases usually become worse as time progresses. Explain this to your employer so there are no surprises in the future. A mutual understanding can prevent conflict.</p>
<h2>Long-Term Disability Lawyer in Philadelphia</h2>
<p>Some employers fail to follow the policies of the ADA, which leaves employees without proper accommodations. You may not have to settle for no accommodations if you speak with a Philadelphia disability attorney. Contact <a href="https://www.philadelphiadisabilityinsurancelawyer.com/" target="_blank" rel="noopener">Edelstein & Nelson</a> at (800) – 300 – 0909 for consultation and we will answer your questions or concerns. We have worked with clients for years to help fill out applications for disability benefits, organize medical files for evidence, and fight for their rights in court.</p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/requesting-accommodations-at-work/">Requesting Accommodations at Work</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-6619248848784440972.post-77071035688518610572019-04-15T13:06:00.001-04:002019-04-15T13:06:25.643-04:00Can You Apply for Disability Benefits if You Have Back Pain?<p>Not everyone with a disability can work a job each week. Social Security <a href="https://www.philadelphiadisabilityinsurancelawyer.com/disability-insurance-overview/" target="_blank" rel="noopener">Disability Insurance</a> (SSDI) offers a certain amount of income a month to people who are suffering with a disability that limits them. However, this program is aware of people who use a fake or minor disabilities to receive benefits that they do not actually need. This is why the application process is designed to be thorough, with specific requirements that need to be met before a person can qualify. A Philadelphia disability lawyer can help you fill out the application if you are experiencing hold ups.</p>
<h2>What You Need to Qualify for Back Pain</h2>
<p><a href="https://www.disability-benefits-help.org/disabling-conditions/back-pain" target="_blank" rel="noopener nofollow">Back pain</a> is one of the most difficult things to apply for when it comes to disability benefits because back pain is also the most common disability that people apply for. Your application will require evidence that you have been diagnosed with back pain that impairs your usual physical activity. This means obtaining copies of your X-rays, MRIs, or doctor’s notes from your primary physician. Ask your doctor if there is any other copies of medical records that could be used to prove that your back pain limits how much you can do.</p>
<p><img class="size-medium wp-image-1456 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/pexels-photo-721166-300x200.jpeg" alt="Can You Apply for Disability Benefits if You Have Back Pain?" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/pexels-photo-721166-300x200.jpeg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/pexels-photo-721166-768x512.jpeg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/pexels-photo-721166-219x146.jpeg 219w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/pexels-photo-721166-50x33.jpeg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/pexels-photo-721166-112x75.jpeg 112w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/pexels-photo-721166.jpeg 1000w" sizes="(max-width: 300px) 100vw, 300px" />Back pain is not officially listed under the categories of disabilities, but there are categories that are similar and that may apply to your condition. For example, rheumatoid arthritis is one category that describes fixation of the spine, which can cause back pain. Choose the category that best fits your current back condition.</p>
<p>You will also be required to prove how your back pain limits your ability to hold a job. Have your doctor list out how your condition impairs physical activity, like whether you need a cane or whether you have trouble standing up fully.</p>
<h2>Specific Qualifications for Degenerative Disc Disease</h2>
<p><a href="https://www.disabilitycarecenter.org/medical-conditions/disability-for-degenerative-disc-disease/" target="_blank" rel="noopener nofollow">Degenerative disc disease</a> is a serious medical condition that can cause chronic back pain, but is not listed by SSDI. This condition causes the spinal discs to break down until the nerve endings of the spinal cord grow smaller. People with this disease experience pain and musculoskeletal problems that can impair movement.</p>
<p>When it comes to figuring out which category to match degenerative disc disease with, many people look for the osteoarthritis and spinal stenosis categories. If your doctor has confirmed that you have developed nerve or spinal cord damage from this disease, then there are other factors that you can provide in your application. These include documentation for nerve root compression, spinal arachnoiditis, or lumbar spinal stenosis.</p>
<h2>Philadelphia Disability Attorney</h2>
<p>Try talking to a Philadelphia long-term disability attorney if you have been diagnosed with a medical condition that causes back pain or degenerative disc disease. Do not settle for no disability benefits if your application was denied the first time. To find an attorney right for you, call <a href="https://www.philadelphiadisabilityinsurancelawyer.com/" target="_blank" rel="noopener">Edelstein & Nelson</a> at (800) – 300 – 0909 for consultation. We have years of experience in helping clients filling out applications for disability benefits, collecting appropriate medical records, and figuring out how you can qualify if your medical condition or disability is not explicitly listed.</p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/can-you-apply-for-disability-benefits-if-you-have-back-pain/">Can You Apply for Disability Benefits if You Have Back Pain?</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-23220093956309635362019-04-08T13:03:00.001-04:002019-04-08T13:03:59.483-04:00Are There Disability Benefits for Seizures?<p>Disability benefits are not usually given to people who have only had one seizure, but these benefits may be available for those who have been diagnosed with a seizure disorder like epilepsy. This is because reoccurring seizures can disrupt a person’s performance at work. Depending on what job you have, seizures can place your life or the lives of co-workers in danger. A seizure could lead a crane operator or bus driver to commit a dangerous mistake.</p>
<p>Applying for disability benefits can be confusing at times. However, Philadelphia disability lawyers have years of experience with these types of applications and will know what to do if your application is denied.</p>
<h2>Differences Between Seizures and Epilepsy</h2>
<p>Experiencing a seizure in the past does not mean you have epilepsy. <a href="https://www.ninds.nih.gov/Disorders/All-Disorders/Epilepsy-Information-Page" target="_blank" rel="noopener nofollow">Epilepsy</a> describes a brain disorder in which a person has two or more seizures that can range from mild to deadly. Fortunately, many seizure disorders can be managed successfully with proper prescription medications or surgery. However, some people have to struggle with reoccurring seizures for life.</p>
<p>The cause of seizures lies within the way neurons interact. Seizures can occur when neurons fire at unnaturally high rates. Common causes of abnormal neuronal activity are brain injuries, illnesses, or abnormal brain development. Symptoms of a seizure can be disabling:</p>
<ul>
<li>Abnormal behaviors or emotions</li>
<li>Convulsions</li>
<li>Involuntary muscle spasms</li>
<li>Passing out unexpectedly</li>
</ul>
<p>Severe seizures that last longer than a few minutes can lead to a coma or death if left untreated. These kinds of seizures can make driving to work deadly, which is why some people refuse to provide driver’s licenses to people with seizure disorders.</p>
<h2>How to Apply for Disability Benefits</h2>
<p><img class="size-medium wp-image-1451 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/document-agreement-documents-sign-48148-300x200.jpeg" alt="Are There Disability Benefits for Seizures?" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/document-agreement-documents-sign-48148-300x200.jpeg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/document-agreement-documents-sign-48148-768x511.jpeg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/document-agreement-documents-sign-48148-220x146.jpeg 220w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/document-agreement-documents-sign-48148-50x33.jpeg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/document-agreement-documents-sign-48148-113x75.jpeg 113w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/document-agreement-documents-sign-48148.jpeg 1000w" sizes="(max-width: 300px) 100vw, 300px" />The <a href="https://www.disabilitybenefitscenter.org/how-to/apply-for-benefits-with-epilepsy" target="_blank" rel="noopener nofollow">Social Security Administration</a> (SSA) will be looking for ways your seizure disorder impairs your performance at work. You need to list all of these in your application and be specific when you need to. If you have unexpected seizures, prolonged episodes, or certain stimuli that set off your seizure, be sure to mention these. This is the most important part of your application because disability benefits exist for those who cannot physically work at a standard job.</p>
<p>To be considered permanently disabled by the SSA, you will need to have seizures that are tonic-clonic or dyscognitive. Check with your doctor to see if you meet these specifications. The SSA may ask for medical records like MRI scans, CAT Scans, a list of your medications, or doctor notes. They also require other documents related to your income like tax information, your full work history, and previous income.</p>
<h2>Long-Term Disability Lawyer in Philadelphia</h2>
<p>Do not hesitate to ask for help from a Philadelphia long-term disability lawyer if you have recently been diagnosed with a seizure disorder and are concerned about not receiving benefits. Contact the Philadelphia disability lawyers at <a href="https://www.philadelphiadisabilityinsurancelawyer.com/" target="_blank" rel="noopener">Edelstein & Nelson</a> by calling (800) – 300 – 0909 for consultation. If your disability benefits application has been denied, do not give up and settle. We can help you figure out why your application was denied, assess your medical condition more deeply, and collect the relevant documents to ensure your next application is ready for review.</p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/are-there-disability-benefits-for-seizures/">Are There Disability Benefits for Seizures?</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-1840214482494900682019-04-01T13:09:00.001-04:002019-04-01T13:09:36.772-04:00Disability Benefits for Cancer<p>Cancer is not something anyone wants to hear their doctor say because of the psychological and physical effects this disease can cause. Chemotherapy and biological treatments only add to the negative effects. This makes holding a job challenging due to the unpredictable nature of certain symptoms and the scheduling overlaps between work and treatment.</p>
<p>Social security disability benefits are offered to cancer patients to make up for lost wages or low income. In some cases, you may be denied these benefits. Talk to a Philadelphia disability lawyer if this happens to you.</p>
<h2>Short-Term and Long-Term Benefits</h2>
<p>Social security benefits offers two main types of benefits that depend on a person’s current circumstances. These benefits provide payments to cancer patients to cover basic life expenses like food and shelter.</p>
<p><a href="https://www.cancerandcareers.org/en/at-work/legal-and-financial/filing-for-disability" target="_blank" rel="noopener nofollow"><img class="size-medium wp-image-1444 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/pexels-photo-1487952-300x216.jpeg" alt="Disability Benefits for Cancer" width="300" height="216" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/pexels-photo-1487952-300x216.jpeg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/pexels-photo-1487952-768x552.jpeg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/pexels-photo-1487952-203x146.jpeg 203w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/pexels-photo-1487952-50x36.jpeg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/pexels-photo-1487952-104x75.jpeg 104w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/04/pexels-photo-1487952.jpeg 1000w" sizes="(max-width: 300px) 100vw, 300px" />Short-term disability benefits</a> are given to patients who will be missing work for brief medical treatment. This means patients can keep their job for up to 6 months of absence and still receive income. The income is paid to them by short-term disability insurance. Disability insurance can be bought by the patient or through an employer. These benefits vary and can cover anywhere from 55 to 100 percent of your salary for a limited period of 26 weeks.</p>
<p>Long-term disability benefits cover expenses for conditions that will last longer than 12 months or cancers that are diagnosed as terminal. These benefits can be purchased in the same way as short-term disability benefits. Social Security Disability Insurance and Supplemental Security Income are both offered for these types of situations, but patients must qualify as disabled according to their policies.</p>
<p>Social Security Disability Insurance usually only accepts patients who have contributed to Social Security for several years through paychecks. Social Security Income is solely based on income.</p>
<h2>Applying for Cancer Disability Benefits</h2>
<p>The benefits you receive while <a href="https://www.disability-benefits-help.org/disabling-conditions/cancer-and-social-security-disability" target="_blank" rel="noopener nofollow">applying for disability</a> will vary depending on what type of cancer you have been diagnosed with, whether the cancer is terminal, and on how long the cancer will be expected to last. These specific benefits can be found in the Blue Book on the Social Security Administration website.</p>
<p>Patients with an aggressive form of cancer that spreads quickly need benefits right away. This is why the Social Security Administration offers a Compassionate Allowance program, which reviews applications faster for patients with aggressive cancer. A patient must have a cancer that has spread, is inoperable, or recurrent to qualify for this program.</p>
<p>You will need evidence to apply for any of the above benefits. Evidence means medical records, doctor notes, and explanations for how current symptoms impair work performance. Be patient with the application process and fill out the forms as accurately as you can. Leaving something blank could slow down the process.</p>
<h2>Long-Term Disability Lawyer in Philadelphia</h2>
<p>Consider talking to a Philadelphia disability lawyer if you have been wrongfully denied short-term or long-term disability benefits as a cancer patient. You can contact the Philadelphia disability lawyers at <a href="https://www.philadelphiadisabilityinsurancelawyer.com/" target="_blank" rel="noopener">Edelstein & Nelson</a> by dialing (800) – 300 – 0909 for consultation. You should not have to go without proper benefits if you are suffering with a critical medical condition that affects your work performance. Let us work with you to defend your rights.</p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/disability-benefits-for-cancer/">Disability Benefits for Cancer</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-60071965817693074772019-03-25T13:05:00.001-04:002019-03-25T13:05:44.004-04:00Can I Request Work from Home If I Have a Disability?<p>The <a href="https://www.eeoc.gov/facts/telework.html" target="_blank" rel="noopener nofollow">Americans with Disabilities Act</a> (ADA) supports the idea that granting an employee’s request to work from home is a reasonable accommodation for that employee’s disability. A reasonable accommodation is a change in workplace practices to make the job manageable for employees with disabilities. This accounts for applying for jobs, certain task requirements of a job, and equal opportunity for any benefits the jobs provide to other employees. If you have been denied these rights, talk to a Philadelphia disability lawyer about reasonable accommodations.</p>
<h2>Limits on Your Request</h2>
<p>Reasonable accommodations are expected to be made for employees with disabilities that would otherwise impair work performance or place significant strain of the employee. However, the law also places limits on reasonable accommodations to ensure that employers do not drop in their performance.</p>
<p><a href="https://www.eeoc.gov/policy/docs/accommodation.html" target="_blank" rel="noopener nofollow"><img class="size-medium wp-image-1437 alignleft" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/writing-336370_1920-300x200.jpg" alt="Can I Request Work from Home If I Have a Disability?" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/writing-336370_1920-300x200.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/writing-336370_1920-768x512.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/writing-336370_1920-1024x683.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/writing-336370_1920-219x146.jpg 219w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/writing-336370_1920-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/writing-336370_1920-113x75.jpg 113w" sizes="(max-width: 300px) 100vw, 300px" />Undue hardship</a> asserts that reasonable accommodations should not be granted if the accommodation causes hardship to the employer. Undue hardship can mean accommodations that are disruptive to the workplace, complicated enough to impair other’s work performances, expensive, or drastically time-consuming. This rule protects the employer’s business from potential failure.</p>
<p>It is for these reasons that certain jobs may not allow you to work from home, even if you have a disability. Certain jobs, like cashiers, oil field workers, and similar jobs that require a physical hands-on presence at work, cannot allow employees to work from home because there is no such work that can be done. A cashier cannot serve customers unless they are physically in front of the register.</p>
<h2>How to Request Work from Home</h2>
<p>The first step is to talk to your boss or supervisor about your situation. This does not need to be a formal meeting. Explain your new medical condition, what the doctors told you, and how this condition will affect your job performance.</p>
<p>Most supervisors try to make sure your medical condition fits the definition of a disability according to the ADA, as is their responsibility under the law. However, some supervisors may neglect the rules and fail to offer employees reasonable accommodations. Others may require further evidence than what you explain to them. What you can do is have your doctor write a note or give you a copy of your medical records that indicate the impairments of your disability.</p>
<p>There are various reasons why you may need to <a href="https://www.eeoc.gov/facts/telework.html" target="_blank" rel="noopener nofollow">work from home</a>. Your scheduled physical therapy visits each week could make going to your job unreasonably difficult. Recovery from surgery may only require a week or two of working from your home. Some disabilities can induce unexpected impairments that can make going to work dangerous. This would necessitate working from home as both a safety precaution and a way to prevent potential disruptions at work.</p>
<h2>Philadelphia Disability Attorney</h2>
<p>If you have been denied reasonable accommodations at work and are struggling financially as a result, then consider consulting with a Philadelphia long-term disability lawyer. You can call the Philadelphia disability lawyers today at <a href="https://www.philadelphiadisabilityinsurancelawyer.com/" target="_blank" rel="noopener">Edelstein & Nelson</a> at (800) 300–0909 for consultation. We work with our clients to fight for their rights in the workplace.</p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/can-i-request-work-from-home-if-i-have-a-disability/">Can I Request Work from Home If I Have a Disability?</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-39877990703547393802019-03-18T13:08:00.001-04:002019-03-18T13:08:17.975-04:00Obstacles to LTD Benefits for Parkinson’s Disease<p><a href="https://www.mayoclinic.org/diseases-conditions/parkinsons-disease/symptoms-causes/syc-20376055" target="_blank" rel="noopener nofollow">Parkinson’s Disease</a> is a neural disorder that negatively affects the nervous system over a span of several years. The psychological and physical impairments of this disorder worsen over time, which can have an effect on performance at work. Without a job, the medical expenses for Parkinson’s medications and doctor visits can put someone in debt if they have no one to support them financially. However, there are LTD Benefits that can help people with Parkinson’s keep a job or pay the bills.</p>
<p>Obstacles arise when insurance companies change claims due to a lack of evidence for the impairments of Parkinson’s. Some jobs may fail to offer appropriate accommodations for their employees and LTD Benefits can be denied if something is missing on your application. There is no need to panic though, because Philadelphia disability lawyers can offer assistance in filing for LTD benefits to ensure that you receive the help you need.</p>
<h2>Impairments of Parkinson’s</h2>
<p>To understand why holding a job with Parkinson’s is so challenging, it is helpful to know the symptoms of this disease. Most <a href="https://www.mayoclinic.org/diseases-conditions/parkinsons-disease/symptoms-causes/syc-20376055" target="_blank" rel="noopener nofollow">symptoms of Parkinson’s</a> correspond to motor impairments that can include:</p>
<ul>
<li>Bradykinesia – slower overall body movement, especially in the legs</li>
<li>Muscular Rigidity – overall body movement becomes stiff, sometimes accompanied with physical pain</li>
<li>Muscular Tremors – shaking of the arms or legs</li>
</ul>
<p><img class="size-medium wp-image-1429 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/nerve-cell-2213009_1920-300x169.jpg" alt="Obstacles to LTD Benefits for Parkinson’s Disease" width="300" height="169" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/nerve-cell-2213009_1920-300x169.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/nerve-cell-2213009_1920-768x432.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/nerve-cell-2213009_1920-1024x576.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/nerve-cell-2213009_1920-260x146.jpg 260w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/nerve-cell-2213009_1920-50x28.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/nerve-cell-2213009_1920-133x75.jpg 133w" sizes="(max-width: 300px) 100vw, 300px" />When combined, these muscle movements can disrupt a person’s ability to write correctly, speak clearly, walk, or maintain balance. In terms of work performance, these motor symptoms can slow down worker productivity or momentarily prevent you from completing an assigned task. On top of all this, there are also <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5100708/" target="_blank" rel="noopener nofollow">cognitive symptoms</a> that can impair thinking:</p>
<ul>
<li>Attention and memory problems</li>
<li>Visual hallucinations and paranoia</li>
<li>Visuospatial impairments – problems between the vision and the perception of one’s body in comparison to the external environment</li>
</ul>
<p>Visuospatial impairments alone can greatly disrupt normal hands-on work like mechanical repairs or organizing files. In severe cases, some people experience a form of dementia, which involves memory loss. As Parkinson’s becomes worse, the symptoms impair basic tasks at greater levels.</p>
<h2>Potential LTD Benefits</h2>
<p><a href="https://www.michaeljfox.org/understanding-parkinsons/living-with-pd/topic.php?government-benefits" target="_blank" rel="noopener nofollow">LTD Benefits</a> includes Social Security Disability Insurance (SSDI), Supplemental Security Income, and employee accommodations. SSDI offers income supplements to help pay for bills and Medicaid, which can cover a substantial amount of your medical bills. Supplemental Security Income also offers income in the form of a monthly stipend to cover basic needs. This stipend is intended to cover house payments, food, and clothes.</p>
<p>Employers with Parkinson’s may be eligible for short term disability plans. These plans pay you a portion of your salary if you leave work after being diagnosed with Parkinson’s. However, these benefits all require an application process with certain criteria and if someone believes that evidence is lacking in your favor, you may be denied these benefits.</p>
<h2>Long-Term Disability Lawyers</h2>
<p>If you have been recently denied LTD Benefits after being diagnosed with Parkinson’s Disease and you are struggling financially as a result, then try talking to a Philadelphia disability lawyer. Contact the Philadelphia disability lawyers at <a href="https://www.philadelphiadisabilityinsurancelawyer.com/" target="_blank" rel="noopener">Edelstein & Nelson</a> at (800) – 300 – 0909 for consultation. We will answer your questions and will fight to repair your financial dilemma.</p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/obstacles-to-ltd-benefits-for-parkinsons-disease/">Obstacles to LTD Benefits for Parkinson’s Disease</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-35235751503351231812019-03-11T13:10:00.001-04:002019-03-11T13:10:44.815-04:00Will You Be Fired for Attending Rehab for Alcoholism?<p><a href="https://www.shrm.org/resourcesandtools/tools-and-samples/hr-qa/pages/adadrugsandalcohol.aspx" target="_blank" rel="noopener nofollow">Alcoholism</a> is considered a disability by the Americans with Disabilities Act (ADA) because people who are addicted to alcohol have little-to-no control over their drinking patterns. A disability impairs performance in different areas of life and is something a person has no control over. If you are attending rehab for alcoholism, you should not be fired because you are taking active steps to overcome your addiction. However, whether you can keep your job can depend on the severity of your alcoholism and whether alcohol problems are carried into the workplace.</p>
<h2>Accommodations for Alcoholism</h2>
<p>Recovering alcoholics who are able to maintain abstinence and general stability should neither be fired nor denied a job. A person’s history of alcohol problems has no bearing on whether they can currently hold a job. The ADA protects these people and those who are attending rehab.</p>
<p>There are certain <a href="https://www.usccr.gov/pubs/ada/ch4.htm" target="_blank" rel="noopener nofollow">accommodations</a> that an employer is required to make if you are an alcoholic attending rehab. Your work schedule will be altered to allow you time to continue attending rehab. You will also be granted a leave of absence if you require prolonged treatment. However, there are limits to accommodations and rules that restrict certain actions that could be detrimental to the workplace.</p>
<h2>Workplace Rules for Alcoholism</h2>
<p>According to the <a href="https://www.usccr.gov/pubs/ada/ch4.htm" target="_blank" rel="noopener nofollow">ADA</a>, employers have the right to forbid the use of alcohol inside the workplace, fire employees who are intoxicated while at work, and demand the same work performance by an employee with alcoholism as any other employee. This means that, even if symptoms of alcoholism, like withdrawal, impair your ability to complete tasks at work, you can still be given the same penalties as other employees who do not have a disability.</p>
<p><img class="size-medium wp-image-1420 alignleft" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/alcohol-428392_1920-300x200.jpg" alt="Will You Be Fired for Attending Rehab for Alcoholism?" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/alcohol-428392_1920-300x200.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/alcohol-428392_1920-768x511.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/alcohol-428392_1920-1024x681.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/alcohol-428392_1920-220x146.jpg 220w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/alcohol-428392_1920-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/alcohol-428392_1920-113x75.jpg 113w" sizes="(max-width: 300px) 100vw, 300px" />This does not always mean you will be fired immediately for poor performance related to alcohol. Whatever penalty an employee without a disability would receive for the transgression is the same penalty that you would receive. Your boss may talk with you about what happened or may give you a written warning.</p>
<p>Accommodations are beneficial but limited. Your employer is not obligated to grant you a leave of absence if treatment does not appear to be improving your problem with alcohol; this especially applies if that treatment has failed multiple times in the past. It is important that you ask for accommodations because employers are not expected to automatically give you accommodations and some may be are unaware of an employee’s problem with alcohol. Rehab will not be offered by your employer, you will need to find one.</p>
<h2>Disability Attorneys of Philadelphia</h2>
<p>If you are struggling with your use of alcohol or if you are attending rehab and have been wrongfully fired or denied a position, then consider seeking legal guidance. Philadelphia disability lawyers work with clients who have been denied disability benefits and accommodations that different organizations are required to provide. Call the disability lawyers at <a href="https://www.philadelphiadisabilityinsurancelawyer.com/" target="_blank" rel="noopener">Edelstein, Martin & Nelson</a> at (800) 300-0909 for a consultation today. We will answer any questions you may have and will fight for the benefits you deserve.</p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/will-you-be-fired-for-attending-rehab-for-alcoholism/">Will You Be Fired for Attending Rehab for Alcoholism?</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-83990962661248064422019-03-04T15:03:00.001-05:002019-03-04T15:03:23.293-05:00Long-Term Disability Benefits for Multiple Sclerosis<p><a href="https://medlineplus.gov/multiplesclerosis.html" target="_blank" rel="noopener nofollow">Multiple Sclerosis</a> (MS) is a disease of the nervous system that negatively affects mental health and movement. For unknown reasons, the coating around the nerve cells is destroyed. Neuronal messages sent to and from the brain are significantly slowed down and some are stopped entirely. This leads to thinking problems, memory lapses, strange sensations of touch, and physical impairments. Any of these symptoms can greatly distract someone from their social life, school, or work.</p>
<p>Those with MS have the right to file for long-term disability benefits, but in some cases, a claim may be denied. Contact a disability lawyer if this happens to you and they will help you collect the evidence needed to ensure your claim is accepted.</p>
<h2>The Severity of Multiple Sclerosis</h2>
<p><a href="https://medlineplus.gov/multiplesclerosis.html" target="_blank" rel="noopener nofollow"><img class="size-medium wp-image-1410 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/mental-health-1420801_1920-300x300.jpg" alt="Long-Term Disability Benefits for Multiple Sclerosis" width="300" height="300" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/mental-health-1420801_1920-300x300.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/mental-health-1420801_1920-150x150.jpg 150w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/mental-health-1420801_1920-768x768.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/mental-health-1420801_1920-1024x1024.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/mental-health-1420801_1920-146x146.jpg 146w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/mental-health-1420801_1920-50x50.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/mental-health-1420801_1920-75x75.jpg 75w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/mental-health-1420801_1920-85x85.jpg 85w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/03/mental-health-1420801_1920-80x80.jpg 80w" sizes="(max-width: 300px) 100vw, 300px" />MS</a> can impair work performance, whether the job requires office work or physical labor, because MS affects thoughts and actions. Weakened muscles, poor balance, and strange tactile sensations of numbness or needles can impair jobs that are physically demanding. For office jobs, people with MS may fall behind or make mistakes because of the way this disease disrupts normal thought processes like memory encoding and vision.</p>
<p>This is why <a href="https://www.nationalmssociety.org/Living-Well-With-MS/Work-and-Home/Insurance-and-Financial-Information/Social-Security-Disability" target="_blank" rel="noopener nofollow">long term disability</a> insurance exists to replace lost wages from a physical or mental inability to work. This insurance replaces the income you previously received from your former job if you decide that you can no longer work because of MS. It is important to understand that filing for long-term disability can be a lengthy and sometimes complicated process.</p>
<h2>How to File a Long-Term Disability Claim</h2>
<p>The reason filing a long-term <a href="https://www.disability-benefits-help.org/disabling-conditions/multiple-sclerosis-and-social-security-disability" target="_blank" rel="noopener nofollow">disability claim</a> is a lengthy process is because you will be required to provide sufficient evidence that you have MS and why MS disrupts your ability to work a job. This entails obtaining medical records that demonstrate proof of myelin loss from MRI scans, a spinal tap, and evoked potential test results. You will need to see a neurologist for an official diagnosis if you suspect you may have MS. Your claim will not likely be accepted based on your word alone.</p>
<p>Benefits are given if you display vision problems, troubled thinking, movement abnormalities like tremors, and muscle weakness. These will be reviewed by Social Security Administration through their Disability Determination Services.</p>
<p>If your claim is accepted, the benefits you receive will cover you and family members if you paid <a href="https://www.ssa.gov/disability/" target="_blank" rel="nofollow">Social Security</a> taxes long enough. A claim may be denied for medical reasons, outdated medical information, or other non-medical reasons. You can file an appeal online if your claim is denied, but if your claim is denied again, a lawyer may be able to help you.</p>
<h2>Where to Find Legal Guidance</h2>
<p>If you have been struggling with Multiple Sclerosis and have been wrongfully denied long-term disability benefits or if you are planning to file for disability benefits, then consider seeking legal help. Contact the disability lawyers at <a href="https://www.philadelphiadisabilityinsurancelawyer.com/" target="_blank" rel="noopener">Edelstein & Nelson</a> at (800) – 300 – 0909 for consultation today. We are here to fight for the benefits you deserve and to help you repair your financial situation.</p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/long-term-disability-benefits-for-multiple-sclerosis/">Long-Term Disability Benefits for Multiple Sclerosis</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-56502266776683193472019-03-02T20:33:00.001-05:002019-03-02T20:33:30.827-05:00Applying for Social Security Disability Benefits Following a Knee Surgery<h2><span style="font-weight: 400;">Who Gets Knee Surgery?</span></h2>
<p><span style="font-weight: 400;">In the United States alone, more than</span> <a href="https://healthresearchfunding.org/23-amazing-total-knee-replacement-statistics/" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">4.5 million Americans currently</span></a> <span style="font-weight: 400;">have at least one total knee replacement with nearly 1.5 million of those Americans being between 50 – 69 years old. Knee replacements are a fairly common surgery being sought by those who wish to have their mobility returned without the constant pain and struggles that come with the deterioration of the knee, and it’s a surgery that is on the rise with the growing number of older individuals in the country.</span></p>
<p><span style="font-weight: 400;"><img class="size-medium wp-image-1359 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/bench-daylight-daytime-1288484-300x200.jpg" alt="Applying for Social Security Disability Benefits Following a Knee Surgery" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/bench-daylight-daytime-1288484-300x200.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/bench-daylight-daytime-1288484-768x512.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/bench-daylight-daytime-1288484-1024x683.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/bench-daylight-daytime-1288484-219x146.jpg 219w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/bench-daylight-daytime-1288484-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/bench-daylight-daytime-1288484-112x75.jpg 112w" sizes="(max-width: 300px) 100vw, 300px" />Knee surgery is sought by a number of different people. For some, their careers required a lot of physical activity and movement, causing their knees to deteriorate over time. Others had highly active personal lives and hobbies, which contributed to the deterioration of their knees. Still, others seek these surgeries because health issues have caused their knees to need to be replaced so that they can still be mobile and be independent, which is what these surgeries aim to do for those seeking them. Needing a knee replacement means to have easier mobility, a healthier life, and days filled with less pain, which can give a patient a new outlook on life.</span></p>
<p><span style="font-weight: 400;">Sometimes, though, these surgeries do not accomplish this goal, and so a patient is left in a situation in which they cannot work either to their full capability or cannot work at all, meaning that they will need to begin the process of filing for social security disability benefits, which can be a long process that may require the help of a</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/disability-claims-benefits/"><span style="font-weight: 400;">knowledgeable insurance disability lawyer</span></a><span style="font-weight: 400;">.</span></p>
<h2><span style="font-weight: 400;">How to Apply for Benefits After Knee Surgery</span></h2>
<p><span style="font-weight: 400;">The application process to get these benefits is a multi-step process, which can be difficult to complete. There are, however,</span> <a href="https://www.disability-benefits-help.org/disabling-conditions/knee-replacement" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">certain steps you can complete yourself</span></a> <span style="font-weight: 400;">to make sure you are pretty well prepared before you talk with a lawyer about setting up your application. These steps include:</span></p>
<p><span style="font-weight: 400;">Having MRI/CT scans: These scans are required to have for your disability application. They work to show your pre and post-surgery diagnosis, and can clearly show the insurance your disability percentage, which is something they will need while determining if you qualify.</span></p>
<p><span style="font-weight: 400;">Documented past and current treatment plans: Showing all of the attempts you and your doctors have made to help and manage your pain and situation is important to show to the group deciding if you qualify for disability. If you can show you’ve attempted years of other options and have had no success, the people deciding your eligibility will often more clearly see your need for assistance.</span></p>
<p><span style="font-weight: 400;">Medical history: Have all pertinent medical history included in your files to show the dates and instances of your health issues and how they have been attempted to be treated will give a clear picture of you as a candidate and will show how seriously you’ve taken your health before this point.</span></p>
<p><span style="font-weight: 400;">Residual Functional Capacity test: This is necessary if you think you need an MVA. This test shows your ability to do basic functions like standing, sitting, walking, etc. The less you can perform in this test, the more you may qualify for benefits.</span></p>
<p><span style="font-weight: 400;">There is more to this process, but this is the best place you as a patient can start. Once you have all of these files in place, you can contact the appropriate help and get started on filing all the paperwork to get you the benefits you need.</span></p>
<h2><span style="font-weight: 400;">Enlisting the Help of a Disability Insurance Lawyer</span></h2>
<p><span style="font-weight: 400;">Once you have had an unsuccessful knee surgery and need help with either filing for disability benefits or have been wrongfully denied these benefits, call the lawyers at</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/contact/"><span style="font-weight: 400;">Edelstein & Nelson</span></a><span style="font-weight: 400;">. We can help you get the benefits you deserve and help you return to a life that is as normal as possible. Call us today at (800) – 300 – 0909 to discuss your case today.</span></p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/applying-for-social-security-disability-benefits-following-a-knee-surgery/">Applying for Social Security Disability Benefits Following a Knee Surgery</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-76640198312385806062019-02-22T19:23:00.001-05:002019-02-22T19:23:24.539-05:00Different Diseases that Can Cause You to be Disabled<h2><span style="font-weight: 400;">How a Disease Can Cause You to be Disabled</span></h2>
<p><span style="font-weight: 400;">When most people think of someone who is disabled, they think of someone in a wheelchair, or someone who has lost a limb, or even someone who is older and cannot perform tasks such as driving themselves anymore. While cases like these do fall under disability definitions, there are other forms of disability as well, with many of these cases not being noticed by others.</span></p>
<p><span style="font-weight: 400;">Those who suffer back pain can be disabled, people who suffer from brain injuries can be disabled, and those with anxiety can be considered disabled as well. In many of these cases, a disability is not necessarily visible, but they do affect those who suffer from them, making day to day tasks and other such responsibilities difficult to complete.</span></p>
<p><span style="font-weight: 400;">When you are afflicted with a disability that prevents or makes working difficult, you can be left trapped in a place that is difficult to navigate, especially when your insurance company refuses to qualify you for disability benefits. In these cases, be sure to discuss your case with a</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/types-of-disability/"><span style="font-weight: 400;">disability insurance lawyer</span></a> <span style="font-weight: 400;">who can help review your case and make sure you are getting what is fair for your case.</span></p>
<h2><span style="font-weight: 400;">Two Diseases that Can Cause You to be Considered Disabled</span></h2>
<p><span style="font-weight: 400;">There are many diseases and ailments that can cause a person to be considered disabled by employers and by insurance companies. Two of these diseases are known at Lupus and Parkinson’s Disease. When someone is</span> <a href="https://www.mayoclinic.org/diseases-conditions/lupus/symptoms-causes/syc-20365789" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">affected by Lupus</span></a><span style="font-weight: 400;">, they can experience symptoms such as fatigue, pain and swelling in the joints, skin lesions, shortness of breath, chest pain, and confusion or memory loss.</span></p>
<p><span style="font-weight: 400;">These symptoms can make anyone suffering from Lupus stressed in a job where they need to be able to move, type, or remember certain things for their job. Often, these symptoms can make it difficult for someone with Lupus to even leave the house some days, which can be difficult to explain to an employer. For these reasons, someone with Lupus may qualify for disability, which can help them as they go through life trying to manage their symptoms.</span></p>
<p><a href="https://www.webmd.com/parkinsons-disease/ss/slideshow-parkinsons-overview" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">Parkinson’s Disease</span></a> <span style="font-weight: 400;">also causes significant issues for its sufferers. Those with Parkinson’s <img class="size-medium wp-image-1397 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/02/bed-blanket-blur-1243364-300x200.jpg" alt="Different Diseases that Can Cause You to be Disabled" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/02/bed-blanket-blur-1243364-300x200.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/02/bed-blanket-blur-1243364-768x512.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/02/bed-blanket-blur-1243364-1024x683.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/02/bed-blanket-blur-1243364-219x146.jpg 219w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/02/bed-blanket-blur-1243364-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/02/bed-blanket-blur-1243364-112x75.jpg 112w" sizes="(max-width: 300px) 100vw, 300px" />slowly lose their muscle control, meaning that it can be difficult for them to perform tasks in which muscle coordination is needed. People with Parkinson’s will experience symptoms such as shaking fingers and hands, difficulty walking, difficulty getting out of chairs and seated positions, and altered handwriting.</span></p>
<p><span style="font-weight: 400;">These symptoms can get worse over time, which can make doing many jobs difficult. For those with Parkinson’s, disability insurance is often something they will need to turn to when they can no longer work, and it’s important that insurance companies approve these people so that they can breathe easy as they adjust to living their lives with their disease.</span></p>
<h2><span style="font-weight: 400;">Insurance Disability Lawyer Ready to Fight for You</span></h2>
<p><span style="font-weight: 400;">After being diagnosed with a condition that makes it hard or nearly impossible to work and having your insurance deny your disability claim, call the</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/contact/"><span style="font-weight: 400;">Edelstein Martin & Nelson, LLP</span></a> <span style="font-weight: 400;">office at (800) – 300 – 0909. We have helped countless others who are in the same situation as you, and we know we can help you get the disability insurance you need to live your life as stress-free as possible. Call us not to talk with our lawyers today!</span></p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/different-diseases-that-can-cause-you-to-be-disabled/">Different Diseases that Can Cause You to be Disabled</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-41538883034841491722019-02-16T15:16:00.001-05:002019-02-16T15:16:34.062-05:00When a Potential Employer Can Ask About Your Disabilities<h2><strong>The Interview Process as Someone Who Has a Disability</strong></h2>
<p><span style="font-weight: 400;">When you interview for a new job, you can end up being quite nervous and stressed. Will your possible new employer like you? Will they see the potential you have? Will they decide you’re the best candidate for the job? These questions are universally asked by job seekers, but for those with disabilities, they can often be a secondary thought when thinking about how the interview process will go.</span></p>
<p><span style="font-weight: 400;">When you have a disability, it can be nerve-wracking to go into an interview and not know</span> <a href="https://smallbiztrends.com/2016/05/interview-tips-based-on-ada-guidelines.html" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">what questions are appropriate to be asked</span></a><span style="font-weight: 400;">. Can your interviewer ask about how your wheelchair will hinder your job performance? Can they ask about how your diabetes will impact your hourly productivity? Can they ask probing questions about how your eyesight affects your day to day life? These questions can put an interviewee in a tight situation in which they do not know how to react. What is appropriate? What can an interviewee say to these questions?</span></p>
<p><span style="font-weight: 400;">As an interviewee, you are guaranteed certain rights when it comes to interviews, and these rights are not to be violated by anyone. Ultimately, if you feel your rights have been violated in an interview, or you believe the person who interviewed you was biased, talk with a</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/disability-claims-benefits/"><span style="font-weight: 400;">disability lawyer</span></a> <span style="font-weight: 400;">to see what you can do to get the justice you deserve.</span></p>
<h2><strong>When is it Legal for an Employer to Ask About Your Disability?</strong></h2>
<p><span style="font-weight: 400;">In an interview process, an employer cannot ask questions related to disability. <a href="https://ada.wv.gov/state_employees/Pages/TitleI--Interviewing.aspx" target="_blank" rel="noopener nofollow">According to the ADA, or the “Americans with Disabilities Act,”</a></span> <span style="font-weight: 400;">interviewers cannot ask</span><span style="font-weight: 400;">: “disability-related questions or [questions about] medical exams before a real job offer is made.” This means that an interviewer cannot ask questions about a disability, whether obvious or not obvious, you may have as they interview you for a job. When a potential employer asks about your disability in your initial <img class="size-medium wp-image-1393 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/02/adult-blur-boss-288477-300x225.jpg" alt="When a Potential Employer Can Ask About Your Disabilities" width="300" height="225" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/02/adult-blur-boss-288477-300x225.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/02/adult-blur-boss-288477-768x576.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/02/adult-blur-boss-288477-1024x768.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/02/adult-blur-boss-288477-195x146.jpg 195w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/02/adult-blur-boss-288477-50x38.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/02/adult-blur-boss-288477-100x75.jpg 100w" sizes="(max-width: 300px) 100vw, 300px" />interview, know that they are breaking the law and that they cannot legally ask you such questions as it goes against the ADA, which is a serious offense.</span></p>
<p><span style="font-weight: 400;">When employers try to ask questions related to your disability, they are expecting you to not know your rights, or perhaps hoping that you are too invested in getting the job you’re interviewing for that you’re willing to answer their illegal questions. If you are in an interview and are being asked questions that infringe on your rights as laid out by the ADA, stop the interview, remind the interviewer of your rights and of their mistakes, and choose whether or not you would like to continue the interview or if you would like to leave the interview.</span></p>
<p><span style="font-weight: 400;">Always know your rights before entering into an interview and know what is acceptable behavior of your interviewer. Also, do not be afraid to tell them when they are asking you illegal questions, as it is your right to be interviewed fairly and legally.</span></p>
<h2><strong>Disability Insurance Lawyer Here to Protect Your Rights</strong></h2>
<p><span style="font-weight: 400;">If you believe you’ve been unfairly discriminated against by a potential employer, seek the help of a disability lawyer today. At</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/contact/"><span style="font-weight: 400;">Edelstein Martin & Nelson</span></a><span style="font-weight: 400;">, we know what your rights are, and we are ready to fight to defend your rights in court to get you the justice you need. Call us today at (800) – 300 – 0909.</span></p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/when-a-potential-employer-can-ask-about-your-disabilities/">When a Potential Employer Can Ask About Your Disabilities</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-46333282811767621152019-02-06T18:25:00.001-05:002019-02-06T18:25:16.069-05:00Disability for Mental Disorders in Pennsylvania<p><span style="font-weight: 400;">When you think about <a href="https://www.philadelphiadisabilityinsurancelawyer.com/disability-insurance-overview/">disability claims in Pennsylvania</a>, you probably imagine someone falling off a ladder or throwing their back out lifting something. For people whose experience with impairments is limited to the physical, the only reason they can imagine not working is if their bodies are simply unable to go on walking or carrying.</span></p>
<p><span style="font-weight: 400;">However, people who have struggled with severe anxiety or depression know just how hard it can be to do even the simplest tasks while fighting these and other mental health issues. In fact, you can receive <strong>disability insurance benefits for a variety of psychological and mental disorders</strong>, just like you can for physical injuries.</span></p>
<p><span style="font-weight: 400;">Some of the mental disorders that may be covered include:</span></p>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">Anxiety and depression</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Post-traumatic stress disorder (PTSD)</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Bipolar disorder</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Alzheimer’s disease and dementia</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Schizophrenia</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Multiple personal disorder</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Panic attacks</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Phobias</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">OCD</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Mood disorders</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Mental retardation</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Psychosis</span></li>
</ul>
<h2><strong>Disability Claims for Depression</strong></h2>
<p><span style="font-weight: 400;">Most of us are guilty of saying “I’m so anxious” or “I’m so depressed” when we’re having a bad day, but for people who suffer from severe forms of these disorders, simply going about their daily lives can seem impossible, never mind dealing with <a href="https://adaa.org/managing-stress-anxiety-in-workplace/anxiety-disorders-in-workplace" target="_blank" rel="noopener nofollow">stress from</a></span> <span style="font-weight: 400;">work</span><span style="font-weight: 400;">. Imagine this: you work in an office <img class="size-medium wp-image-1388 alignleft" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/window-view-1081788_1920-300x200.jpg" alt="Disability for Mental Disorders in Pennsylvania" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/window-view-1081788_1920-300x200.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/window-view-1081788_1920-768x512.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/window-view-1081788_1920-1024x683.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/window-view-1081788_1920-219x146.jpg 219w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/window-view-1081788_1920-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/window-view-1081788_1920-112x75.jpg 112w" sizes="(max-width: 300px) 100vw, 300px" />setting, in a cubicle farm surrounded by co-workers. The very thought of social interaction makes you so anxious that you feel physically ill, and you can’t bring yourself to speak to anyone, so you hide behind your computer screen all day. Your work is subpar because you’re unable to communicate, and feeling alone and unliked just makes your depression worse. You’d like to make more money, but you know that if you took a promotion, you’d be forced to interact with people all day long, and they’d come to you with all of their problems and complaints. Many people find themselves so overwhelmed that they aren’t able to show up for work at all.</span></p>
<h2><strong>Disability Claims for Anxiety</strong></h2>
<p><span style="font-weight: 400;">The Social Security Administration (SSA) considers anxiety disorders as covered under</span> <a href="https://www.ssa.gov/disability/professionals/bluebook/12.00-MentalDisorders-Adult.htm" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">Section 12.06</span></a> <span style="font-weight: 400;">of the Blue Book (the listing of disabling impairments), which covers mental disorders. Unfortunately, it can be hard to claim benefits for mental health reasons. It’s easy enough to prove that you’ve broken your leg. Someone might have witnessed your accident, but if not, you’re still going to have X-rays and documentation about visits to the emergency room and specialists.</span></p>
<p><span style="font-weight: 400;">When trying to prove mental health disorders, things become a lot more subjective. One psychologist or psychiatrist might diagnose a person with a severe anxiety disorder while another might not think it meets that level, and there’s no objective testing that can be done to determine who is right. Much of the diagnosis depends on things that are reported by a patient to their doctor, about thoughts and feelings that take place inside their own head.’</span></p>
<h2>Philadelphia Disability Claim Attorney</h2>
<p><span style="font-weight: 400;">That’s why it’s so important to have any possible documentation ready when you’re filing a claim. Having an experienced lawyer to help you fill out the application and make sure all possible paperwork is accounted for will greatly increase your chances of being approved. For a free consultation, contact the</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/"><span style="font-weight: 400;">Philadelphia disability</span></a> <span style="font-weight: 400;">law firm of Edelstein Martin & Nelson today at (215) 858-8440, or toll-free at (800) 887-4529.</span></p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/disability-for-mental-disorders-in-pennsylvania/">Disability for Mental Disorders in Pennsylvania</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-41645542278487182332019-01-30T19:22:00.001-05:002019-01-30T19:22:24.075-05:00Can You Be Fired At-Will in Pennsylvania<h2><strong>What is “At-Will” Employment and Termination?</strong></h2>
<p><span style="font-weight: 400;">Unless you live in Montana or have been told otherwise,</span> <a href="http://www.ncsl.org/research/labor-and-employment/at-will-employment-overview.aspx" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">you are an “at-will” employee</span></a><span style="font-weight: 400;">. When you are an “at-will” employee, you basically can be fired, or leave your position on your own, at any time for nearly any reason. This can cause frustrations for both employees and employers.</span></p>
<p><span style="font-weight: 400;">As an <strong>at-will employee in Philadelphia</strong>, knowing that you can be let go for seemingly no reason at any time is very stressful, especially if you do not get along with your bosses for personal or professional reasons. For an employer, knowing that their employees can leave at any time means that they constantly need to be prepared to refill that position left vacant at any time, which is not always easy to do.</span></p>
<p><span style="font-weight: 400;">For those working in Pennsylvania, being fired “at-will” is a possibility nearly every employee faces. However, an employee cannot be fired for reasons that could be seen as discriminatory, which can mean an employer cannot fire an employee over their gender, their race, their sexual orientation, or due to a disability they have. When employees know this information, it allows them to fight employers who have committed a crime by firing their employee in a discriminatory way, and it allows them to try to get the justice that they deserve.</span></p>
<p><span style="font-weight: 400;">After being fired due to your disabilities,</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/individual-disability-insurance/"><span style="font-weight: 400;">call a lawyer who can help you</span></a> <span style="font-weight: 400;">fight your employer’s decision and help you get the compensation you deserve while you figure out what you will do next.</span></p>
<h2><strong>Rules With “At-Will” Termination and Disability</strong></h2>
<p><span style="font-weight: 400;">As stated above, employees in Pennsylvania are all, unless specifically told otherwise, “at-will” employees. As an “at-will” employee, you can be fired for a multitude of reasons. You can be fired for losing money from the company you work at, you can be fired for losing important equipment, you can be fired because you don’t “get along” with the other employees at the company, and you can be fired because you’re late too often. All of these reasons can be valid reasons for termination for “at-will” employees.</span></p>
<p><span style="font-weight: 400;"><img class="size-medium wp-image-1384 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/adult-advice-boss-70292-300x200.jpg" alt="Can You Be Fired At-Will in Pennsylvania" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/adult-advice-boss-70292-300x200.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/adult-advice-boss-70292-768x513.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/adult-advice-boss-70292-1024x684.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/adult-advice-boss-70292-219x146.jpg 219w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/adult-advice-boss-70292-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/adult-advice-boss-70292-112x75.jpg 112w" sizes="(max-width: 300px) 100vw, 300px" />When an employer</span> <a href="https://employment.findlaw.com/hiring-process/at-will-employee-faq-s.html" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">fires an employee because of a disability</span></a> <span style="font-weight: 400;">they have that does not hinder their ability to do their job, that employer has now committed a violation. Laws have been put in place to protect employees who are disabled from being wrongly terminated, and all employees, including “at-will” employees, fall under these laws.</span></p>
<p><span style="font-weight: 400;">When an employee can prove that their firing was due to their disability, it allows for them to take their employer to court and fight for the compensation that is deserved after their termination. Unfortunately, proving that a termination occurred due to an employee’s disabilities can be difficult, which means that, unfortunately, not all cases against unfair termination will be won, but they should be discussed with a lawyer and pursued as far as your lawyer advises.</span></p>
<h2><strong>Disability Insurance Lawyer Here for You</strong></h2>
<p><span style="font-weight: 400;">If you believe that you were terminated from your job because you have a disability, call the law offices of</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/contact/"><span style="font-weight: 400;">Edelstein Martin & Nelson, LLP</span></a> <span style="font-weight: 400;">today. We have years of experience fighting for disabled employees like yourself who have been wrongly terminated and lose their insurance due to their termination, and we know we can help you too. Call us today at (800) – 300 – 0909. </span></p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/can-you-be-fired-at-will-in-pennsylvania/">Can You Be Fired At-Will in Pennsylvania</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-3703752031652029112019-01-23T20:41:00.001-05:002019-01-23T20:41:02.433-05:00Can Anxiety and Depression be Disabilities?<p><a href="https://www.mayoclinic.org/diseases-conditions/depression/expert-answers/depression-and-anxiety/faq-20057989" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">Anxiety and depression are two mental health issues</span></a> <span style="font-weight: 400;">that millions of Americans suffer from every day. These symptoms can be short-lived or can be chronic, depending on factors such as work life, stress, daily tasks, and recent or hard-hitting losses within one’s life. These illnesses can cause a person to experience many different emotions and symptoms that can affect their lives in multiple ways, including their ability to work. When these conditions affect your work life and cause other strains in your personal life, it’s important you take the time to get them attended to and diagnosed so that you can return to your life as best as you can, which can mean taking a break from work.</span></p>
<p><span style="font-weight: 400;">When dealing with mental health conditions, applying for disability is not something to be ashamed about since it means you’re working to improve your life and get back to a better place for your mental health. Still, many insurance companies will try to deny these claims and say that they cannot be covered. When your disability claim is denied unfairly, it’s important to speak to a</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/anxiety-and-depression/"><span style="font-weight: 400;">knowledgeable and caring insurance disability lawyer</span></a> <span style="font-weight: 400;">who can help you fight your insurance company and get your claim approved accordingly.</span></p>
<h2><strong>What Are Symptoms of Anxiety and Depression?</strong></h2>
<p><span style="font-weight: 400;">Anxiety and depression have a variety of symptoms that can be present. Physical symptoms such as chest pains, headaches, muscle pains, and dizziness can be experienced, while mental symptoms such as insomnia, suicidal thoughts, and having low energy are possible to experience <img class="size-medium wp-image-1380 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/depression-despair-grief-897817-300x200.jpg" alt="Dangers of Slipping on a Poorly Maintained Icy Sidewalk" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/depression-despair-grief-897817-300x200.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/depression-despair-grief-897817-768x512.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/depression-despair-grief-897817-1024x683.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/depression-despair-grief-897817-219x146.jpg 219w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/depression-despair-grief-897817-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/depression-despair-grief-897817-113x75.jpg 113w" sizes="(max-width: 300px) 100vw, 300px" />as well. All of these symptoms can cause you to have a difficult time completing work, and many times, work will bring on these issues. When experiencing these sorts of issues, it’s best to step away from your working life and seek medical help.</span></p>
<p><span style="font-weight: 400;">Some of the ways you can</span> <a href="https://www.webmd.com/depression/features/anxiety-depression-mix#2" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">help alleviate these symptoms</span></a> <span style="font-weight: 400;">include going to therapy, taking medication, exercising, or using relaxation techniques. Many of these options have been proven to better your mental health, and depending on the severity of your health issues, you may be able to quickly recover and return to life as normal. Others will need extended time to heal their mental health issues, which is perfectly reasonable and encouraged. Not all mental health cases are the same, which means that some will need more time and help. When you have a disability claim helping you take the time you need for your mental health, it allows you the peace of mind to take the time you need and work on getting better without being stressed about work.</span></p>
<h2><span style="font-weight: 400;">Disability Insurance Lawyer Here for You</span></h2>
<p><span style="font-weight: 400;">When suffering through anxiety and depression, it can be hard to feel like you have allies on your side. At</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/contact/"><span style="font-weight: 400;">Edelstein Martin & Nelson</span></a><span style="font-weight: 400;">, we want you to know we are here for you after your insurance company denies your disability claim. We will fight hard for you to make sure you are compensated accordingly after your insurance’s actions, and we will fight to help you get the time you need for your health. Call us today to talk about your claim at (800) – 300 – 0909.</span></p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/can-anxiety-and-depression-be-disabilities/">Can Anxiety and Depression be Disabilities?</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-53283519592849245172019-01-18T20:02:00.001-05:002019-01-18T20:02:49.093-05:00Professional Athletes and Disability<h2><span style="font-weight: 400;">How an Athlete Can Become Disabled</span></h2>
<p><span style="font-weight: 400;">Sports have become an integral part of living for Americans today. Sports make up many of our television channels, sports are the after-school activities for many of America’s youth, and sports are played professionally by an elite group of individuals who are recruited by professional and semi-professional teams.</span></p>
<p><span style="font-weight: 400;">Professional athletes are recruited for many different sports such as football, soccer, baseball, golf, hockey, tennis, and rugby, just to name a few. These athletes are responsible for winning as many games as they can for their team, which means they’ll be putting in long hours of training, having extended periods of playing their sport non-stop, and having little to no breaks for them to rest and recuperate from their hectic schedule. Due to these conditions, accidents and injuries are more likely to happen, which can cause an athlete to become disabled in one of the worst-case scenarios.</span></p>
<p><span style="font-weight: 400;"><img class="size-medium wp-image-1376 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/action-athlete-athletics-618612-300x200.jpg" alt="Professional Athletes and Disability" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/action-athlete-athletics-618612-300x200.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/action-athlete-athletics-618612-768x512.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/action-athlete-athletics-618612-1024x683.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/action-athlete-athletics-618612-219x146.jpg 219w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/action-athlete-athletics-618612-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/action-athlete-athletics-618612-113x75.jpg 113w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/action-athlete-athletics-618612.jpg 1200w" sizes="(max-width: 300px) 100vw, 300px" />When professional athletes become disabled, they can run into issues trying to collect their disability insurance, which can have disastrous results to that athlete and their family. Being listed as disabled when your career is based on movement and your physical abilities are tough enough as it is, so fighting with the insurance companies can make your life even more difficult than it needs to be. In these cases, you need a</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/professional-athletes/"><span style="font-weight: 400;">disability lawyer on your side</span></a> <span style="font-weight: 400;">who can fight for you and your rights and help you win your case against your insurance company.</span></p>
<h2><span style="font-weight: 400;">Insurance Companies Tactics to Deny Disability Insurance</span></h2>
<p><span style="font-weight: 400;">Injuries due to playing sports are common,</span> <a href="https://www.webmd.com/men/features/seven-most-common-sports-injuries#1" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">with many injuries showing up multiple times for multiple sports</span></a><span style="font-weight: 400;">. Some of these injuries can end up being disabling, and when that happens, athletes will want to take from their disability insurance as they figure out what they want to or can do next for their profession. Some insurance companies will try to deny athletes their insurance on the basis of topics like:</span></p>
<p><span style="font-weight: 400;"><strong>Pre-Existing Conditions:</strong> Insurance companies will try to say your disabling injury was something you’ve had for years and are just trying to use it not to work any longer. Often, this is an underhanded trick these companies use to deny insurance claims. Often, these false claims can be disproved when you have the right lawyer helping fight your case.</span></p>
<p><span style="font-weight: 400;"><strong>Can Still Work in Other Fields:</strong> When an athlete can no longer play, many companies can argue that they are able to work in other fields and are, therefore, not disabled. Unfortunately, not all athletes have training in other fields, which means they will need to go back to school or evaluate what they can physically do. Again, this is a trick these companies use to deny claims. Athletes who are disabled and can no longer play their sport are entitled to their disability insurance, which is something many athletes don’t fight for.</span></p>
<p><span style="font-weight: 400;"><strong>“Own Occupation” Denial</strong>: An</span> <a href="https://www.investopedia.com/terms/o/ownoccupation_policy.asp" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">“Own Occupation” policy</span></a> <span style="font-weight: 400;">is a policy that says that when a policyholder can no longer perform the occupation they have been trained for, they are entitled to their disability insurance. Many athletes have these policies but are not always informed on their purpose or helpfulness. If an athlete has one of these policies, an insurance company must nearly always pay them their disability claim.</span></p>
<h2><span style="font-weight: 400;">A Disability Lawyer Here for You</span></h2>
<p><span style="font-weight: 400;">After suffering a disabling injury that ends your athletic career, you may end up fighting your insurance company for the benefits you and your family need to live. At</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/professional-athletes/"><span style="font-weight: 400;">Edelstein Martin & Nelson, LLP</span></a><span style="font-weight: 400;">, we are ready to help you and your case against the insurance companies. We are experienced and dedicated to helping you win your case and we know we can help you get the compensation you need and help you move on to new opportunities. Call us today at (866) – 532 – 2504.</span></p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/professional-athletes-and-disability/">Professional Athletes and Disability</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-15119043138305839322019-01-10T21:57:00.001-05:002019-01-10T21:57:17.661-05:00Multiple Sclerosis and Disability<h2><strong>What is Multiple Sclerosis?</strong></h2>
<p><span style="font-weight: 400;">Autoimmune diseases are frustrating and often disabling diseases. For many of these diseases, no cure is available, meaning that most who suffer from these illnesses will need to medicate and receive care for the rest of their lives to hopefully control and minimize these diseases’ effects.</span></p>
<p><span style="font-weight: 400;">The autoimmune disease multiple sclerosis, or M.S., is one of the most debilitating and can have a lifetime of painful symptoms.</span> <a href="https://www.abovems.com/en_us/home/ms101/about-ms.html?cid=PPC-BNG-AM.DTC.AboveMS_DTC_Unbranded_HealthConcern_Exact.Exact-LW-870&msclkid=cdfb743f3e29192775c5280f67e8b34f&gclid=CKmU66yM1t8CFfKDxQIdqCAJiQ&gclsrc=ds" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">Multiple sclerosis</span></a> <span style="font-weight: 400;">is a condition in which the immune system attacks the coverings of the nerves in the spinal cord, which then affects and disrupts the communications between these nerves and the brain.</span></p>
<p><span style="font-weight: 400;"><img class="alignright wp-image-1287 size-medium" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/08/rawpixel-472352-unsplash-300x200.jpg" alt="Multiple Sclerosis and Disability" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/08/rawpixel-472352-unsplash-300x200.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/08/rawpixel-472352-unsplash-768x512.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/08/rawpixel-472352-unsplash-1024x683.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/08/rawpixel-472352-unsplash-219x146.jpg 219w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/08/rawpixel-472352-unsplash-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/08/rawpixel-472352-unsplash-112x75.jpg 112w" sizes="(max-width: 300px) 100vw, 300px" />The way this disease works is similar to a wire that is covered in a protective layer. When the layer is stripped away, the inner fibers of the wire are exposed, and the electricity that runs through the wire does not run correctly anymore, meaning that whatever the wire runs power to is either getting only partial electrical signals or is getting no signals at all. When the electric currents running to parts of the body are interrupted, the body cannot function correctly. In some cases, this can mean temporary interruptions of function. In other cases, it can mean permanent paralysis. </span></p>
<p><span style="font-weight: 400;"><strong>Those diagnosed with multiple sclerosis will likely need to file for disability</strong>, depending on their skill set and the severity of their illness. However, even with a doctor’s diagnosis and recommendation, some insurance companies will try to deny a disability claim of someone with M.S. When that happens, looking for the advice and services of a</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/disability-insurance-overview/"><span style="font-weight: 400;">disability insurance lawyer</span></a> <span style="font-weight: 400;">is where you should turn to help you get the insurance claim you need and have every right to.</span></p>
<h2><strong>How Can Multiple Sclerosis Affect You?</strong></h2>
<p><span style="font-weight: 400;">Multiple sclerosis has a long list of symptoms, which can mean that a diagnosis of M.S. can be difficult to get, especially if your family does not have a history of autoimmune diseases.</span> <a href="https://www.mayoclinic.org/diseases-conditions/multiple-sclerosis/symptoms-causes/syc-20350269" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">Some of the symptoms</span></a> <span style="font-weight: 400;">of M.S. are:</span></p>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">A numb or weak feeling in one or more of your limbs, which can start on either one side of your body or can start at the trunk and legs</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Vision loss that is either complete or partial, usually starting in one eye before progressing to the next eye</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Tingling and/or pain in various parts of your body</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Speech that is slurred</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">A lack of coordination and/or tremors</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Dizziness</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Issues dealing with the bowels and bladder function</span></li>
</ul>
<p><span style="font-weight: 400;">These symptoms, especially when multiple of them present together, can be signs of M.S. If you experience these symptoms, you should talk with a doctor and get tested. The sooner you are diagnosed, the sooner you can begin treatment to hopefully help control your M.S. and possibly slow its progression. No matter how far along you are in your treatment, however, you have a right to speak with a disability lawyer if your insurance company refuses to help. </span></p>
<h2><strong>Philadelphia Disability Insurance Lawyer Fighting for You</strong></h2>
<p><span style="font-weight: 400;">After your disability claim is wrongfully denied by an insurance company, it’s time for you to seek the help of an insurance disability lawyer. At</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/disability-insurance-overview/"><span style="font-weight: 400;">Edelstein Martin & Nelson</span></a><span style="font-weight: 400;">, we have experience helping you fight the insurance companies denying you your disability claim. We are ready to help you today, so call us at (800) – 300 – 0909.</span></p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/multiple-sclerosis-and-disability/">Multiple Sclerosis and Disability</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-86994618706419781902019-01-05T00:07:00.001-05:002019-01-05T00:07:17.615-05:00How Does Insurance Bad Faith Affect My Disability?<h2><strong>Definition of Insurance Bad Faith</strong></h2>
<p><span style="font-weight: 400;">Insurance is a service we have to help us at times when we really need it. As most insurance works, you pay for a policy that will cover a certain amount of protection. You pay a fee every month for these policies which, hopefully, you’ll never need to use.</span></p>
<p><span style="font-weight: 400;">When you do need to use these policies, though, you expect that your insurance company will provide the services you’ve paid for and help you through what is probably a difficult time. Although this is the expectation, this is not always how this process works.</span></p>
<p><span style="font-weight: 400;">When an insurance company does not fulfill their end of an insurance agreement, it is not only exasperating, but it’s also a betrayal to the trust of the insured who paid their fees diligently and are not able to use the policy they continually paid in to.</span></p>
<p><span style="font-weight: 400;">When an <a href="http://www.mb-guide.org/denied-insurance-claim.html" target="_blank" rel="noopener nofollow">insurance company denies a legitimate insurance claim</a> for the sole purpose of saving money or performs any other unfavorable practice to their customers, it’s known as</span> <span style="font-weight: 400;">“insurance bad faith.”</span> <span style="font-weight: 400;">Insurance bad faith is an act that is deceitful, hurtful, and all around unfair to those who did everything right.</span></p>
<p><span style="font-weight: 400;"><img class="size-medium wp-image-1368 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/bright-cardiac-cardiology-433267-300x269.jpg" alt="How Does Insurance Bad Faith Affest My Disability? " width="300" height="269" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/bright-cardiac-cardiology-433267-300x269.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/bright-cardiac-cardiology-433267-768x690.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/bright-cardiac-cardiology-433267-1024x920.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/bright-cardiac-cardiology-433267-163x146.jpg 163w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/bright-cardiac-cardiology-433267-50x45.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2019/01/bright-cardiac-cardiology-433267-83x75.jpg 83w" sizes="(max-width: 300px) 100vw, 300px" />It’s especially hurtful to those who need these policies to live because they are disabled and cannot receive money to live any other way. Disability claims are serious and should be treated as such by insurance companies, so when your insurance works to deny your disability claim, contact a</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/insurance-bad-faith-claims/"><span style="font-weight: 400;">disability insurance lawyer</span></a> <span style="font-weight: 400;">who can help fight your insurance company and help get your claim rightfully approved.</span></p>
<h2><strong>How Can Insurance Bad Faith Affect My Disability?</strong></h2>
<p><span style="font-weight: 400;">When insurance companies do not want to pay your claim, they will employ particularly nasty tactics to make sure your claim is denied or not paid in full. For disability claims, some of these</span> <span style="font-weight: 400;">tactics</span> <span style="font-weight: 400;">include:</span></p>
<p><strong>Denying a claim without reason</strong><span style="font-weight: 400;"><strong>:</strong> When an insurance company tries to deny a legitimate claim, they will send back a letter letting the insured know their claim has been denied, but citing no reason for denying the claim. For many people, this letter is all they need to stop their pursuit for their compensation, so insurance companies will use this tactic often hoping that they will not have their customers pursuing their needs further.</span></p>
<p><strong>Offering less money than the claim’s worth</strong><span style="font-weight: 400;">: While you pay for a policy worth $500,000, your insurance company may try to only pay out $100,000, saying that they cannot give you more. This tactic is one that other insured customers accept as well, figuring something is better than nothing. This tactic is also unfair and immoral, especially if an insured person has been paying for that policy for years.</span></p>
<p><strong>Not paying a valid claim</strong><span style="font-weight: 400;"><strong>:</strong> A final tactic used by insurance companies is to just outright deny your claim with an excuse that is not valid or true. Many companies will try to falsify their proof for denial or make claims that are hard to fight against. Still, for those who make valid claim requests, this behavior is not only unfair but is disgraceful.</span></p>
<p><span style="font-weight: 400;">When an insurance company denies your claim, for any reason at all, your claim will not be paid to you, meaning that you could be put into a very difficult position of not being able to take care of yourself. In these situations, many people feel alone, rejected, and lowly, all emotions that are unfair to those who deserve to have their claims and policies approved.</span></p>
<h2><strong>Insurance Bad Faith Lawyers</strong></h2>
<p><span style="font-weight: 400;">When you file for a disability claim and have it denied by your insurance, many emotions and thoughts will go through your head. What will you do if you cannot get your claim approved? How will you be able to live when you cannot make money because of your disability? Why did your insurance deny a legitimate claim? These are all questions with no clear answer, which can make living in this situation terrifying.</span></p>
<p><span style="font-weight: 400;">At</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/insurance-bad-faith-claims/"><span style="font-weight: 400;">Edelstein Martin & Nelson</span></a><span style="font-weight: 400;">, we are here to help prove your disability claim and take your insurance company to court. You do not deserve the disrespect of these companies, and we are here to help you fight against them when they act in such a careless manner. Call us today at (800) – 300 – 0909 to discuss the details of your case!</span></p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/how-does-insurance-bad-faith-affect-my-disability/">How Does Insurance Bad Faith Affect My Disability?</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-58480974520252497502018-12-31T01:45:00.001-05:002018-12-31T01:45:49.099-05:00Filing an ERISA Claim<h2><strong>What is an ERISA Claim?</strong></h2>
<p><span style="font-weight: 400;">An</span> <a href="https://www.dol.gov/general/topic/health-plans/erisa" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">ERISA Claim</span></a><span style="font-weight: 400;">, or the Employee Retirement Income Security Act, works to protect the interests of employees who are enrolled in a variety of benefit plans while employed. These plans have promised benefits associated with them, so this claim allows employees to be able to collect these benefits that were promised to them by their employers. When an employee files an ERISA Claim, it can be for a multitude of reasons, one of which is due to disability.</span></p>
<p><span style="font-weight: 400;"><img class="size-medium wp-image-1364 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/helloquence-51716-unsplash-300x200.jpg" alt="Filing an ERISA Claim" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/helloquence-51716-unsplash-300x200.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/helloquence-51716-unsplash-768x513.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/helloquence-51716-unsplash-1024x683.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/helloquence-51716-unsplash-219x146.jpg 219w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/helloquence-51716-unsplash-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/helloquence-51716-unsplash-112x75.jpg 112w" sizes="(max-width: 300px) 100vw, 300px" />Although employers say they will fulfill their promise to their employees by supplying them with the benefits they deserve at the point of their retirement, insurance companies will try to deny employees these benefits, which can not only be unfair, but frustrating. When you experience a rightful ERISA Claim be denied that was filed due to disability, it’s worth looking into a</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/erisa-claims/"><span style="font-weight: 400;">disability insurance lawyer</span></a> <span style="font-weight: 400;">who is ready to fight for your best interests.</span></p>
<h2><strong>How to File for an ERISA Claim</strong></h2>
<p><span style="font-weight: 400;">When filing for an ERISA Claim, especially for disability,</span> <a href="https://www.pacer.org/health/pdfs/HIAC-h15.pdf" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">here are the steps</span></a> <span style="font-weight: 400;">you will follow:</span></p>
<p><span style="font-weight: 400;"><strong>Know the policy</strong>: Knowing the policy for the claim you want to file through your work or insurance helps make the filing process easier. If you do not know this policy, you can contact your insurance or the human resources department at your work to have this policy sent to you. If you already know the policy, then you can skip this step.</span></p>
<p><span style="font-weight: 400;"><strong>File your claim based on its type</strong>: There are many different types of claims that can be filed. These categories can require different kinds of review, so make sure your claim is filed under the right category to be processed and reviewed correctly.</span></p>
<p><span style="font-weight: 400;"><strong>Your insurance lets you know of their decision:</strong> Your insurance will review your claim and decide if they will accept or deny it. For disability claims, it should take 45 days for a decision to be made. If they accept your claim, you can expect the benefits that you were promised to come through. If your claim is denied, then you will not receive the benefits you were promised. If your claim is denied, you can appeal the decision.</span></p>
<p><span style="font-weight: 400;"><strong>The appeal process:</strong> When a claim is denied, it is possible to ask for an appeal and have the claim reviewed again. If your insurance denies your claim a second time, you can repeal it a third time through the U.S. Department of Labor for review.</span></p>
<p><span style="font-weight: 400;">Not all ERISA Claims will be the same, but most of them will follow this pattern. Knowing the process, what your rights are, and how the appeal process works will all help this process go smoother, so be sure to research and talk to the appropriate channels before filing your claim.</span></p>
<h2><strong>Disability Insurance Lawyer for You</strong></h2>
<p><span style="font-weight: 400;">When your insurance company denies your rightful disability claim, you can be left in a state of limbo, unsure of what to do or where to turn. At</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/erisa-claims/"><span style="font-weight: 400;">Edelstein Martin & Nelson</span></a><span style="font-weight: 400;">, we are prepared to look over your claim and help you fight your insurance company to get the benefits you deserve. Filing a claim for disability shouldn’t be stressful, so when your insurance company tries to deny a rightful claim, we are by your side to help you. Call us today at (800) – 300 – 0909 to discuss your case with one of our lawyers.</span></p>
<p> </p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/filing-an-erisa-claim/">Filing an ERISA Claim</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-7868121901891735542018-12-23T12:15:00.001-05:002018-12-23T12:15:44.016-05:00When a Sport Injury Keeps You On the Sidelines<p><span style="font-weight: 400;">Sports are a beloved and highly participated in past time for Americans. Between football, basketball, soccer, and golf, there is always a program on every night to satisfy anyone’s love of watching others compete in highly competitive competitions. This love is not just to watch on television, but to also compete in. Children, teens, and adults all participate in various leagues and teams to play their favorite sports, and although many play just to have fun, there’s always someone who wants to take the game too far.</span></p>
<h2><span style="font-weight: 400;">How Common Are Sports Injuries?</span></h2>
<p><span style="font-weight: 400;">Injuries stemming from sports injuries occur every day, ranging from simple sprains to significant breaks or internal injuries.</span> <span style="font-weight: 400;">3.5 million</span> <span style="font-weight: 400;">of <a href="https://www.hopkinsmedicine.org/healthlibrary/conditions/pediatrics/sports_injury_statistics_90,P02787" target="_blank" rel="noopener nofollow">America’s youth suffer from a sports-<img class="size-medium wp-image-1359 alignleft" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/bench-daylight-daytime-1288484-300x200.jpg" alt="When a Sport Injury Keeps You On the Sidelines" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/bench-daylight-daytime-1288484-300x200.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/bench-daylight-daytime-1288484-768x512.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/bench-daylight-daytime-1288484-1024x683.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/bench-daylight-daytime-1288484-219x146.jpg 219w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/bench-daylight-daytime-1288484-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/bench-daylight-daytime-1288484-112x75.jpg 112w" sizes="(max-width: 300px) 100vw, 300px" />related injury every year</a>, which is roughly 10% of those who play. In adults, these injuries can be more impactful, as serious injuries can mean surgery, time off of work, and long recovery periods, which call all lead to costly bills and a lack of funds to pay these debts.</span></p>
<p><span style="font-weight: 400;">For those who end up suffering from an injury that ends up being debilitating, these worries can be far worse especially if their disability claim through their insurance is denied. In these cases, looking to an</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/firm-overview/"><span style="font-weight: 400;">insurance disability firm</span></a> <span style="font-weight: 400;">to help you fight your insurance company might be your best bet to secure a smooth path towards recovery</span></p>
<h2><span style="font-weight: 400;">Common Sport-Related Injuries</span></h2>
<p><span style="font-weight: 400;">There are several injuries that come from sporting competitions and events. These injuries include:</span></p>
<p><strong><a href="https://www.mayoclinic.org/first-aid/first-aid-fractures/basics/art-20056641" target="_blank" rel="noopener nofollow">Broken Bones</a></strong><span style="font-weight: 400;"><strong>:</strong> Broken bones can cause many issues for the working adult. A broken arm can mean that they cannot perform duties such as typing as well or cannot do many tasks involving dexterity of the hands and arms. A broken leg can be rather debilitating for someone who works in a job where they are required to walk around or move merchandise. Depending on the job and the broken bone, an adult could end up facing issues at work for poor job performance, which can lead to possible outcomes like termination.</span></p>
<p><span style="font-weight: 400;"><strong>Spinal Injuries</strong>: Spinal injuries are important to care for, as these injuries can mean possible paralysis or nerve damage. When a <a href="https://www.philadelphiadisabilityinsurancelawyer.com/back-neck-and-spinal-cord-injuries/">spinal injury is suffered</a>, the victim can end up needing hospitalization or surgery, which can cost time and money that someone who is working might not have available to them.</span></p>
<p><span style="font-weight: 400;"><strong>Head Trauma</strong>: Any head trauma requires an immediate trip to the doctor or hospital. Head trauma can be a sign of brain trauma which needs to be looked at urgently and treated to make sure there is no lasting damage. This injury can cost a working adult a lot of time as well as money. Furthermore, many places of employment won’t want to help with the time and <a href="https://www.philadelphiadisabilityinsurancelawyer.com/brain-injuries/">cost of a severe brain injury.</a></span></p>
<p><span style="font-weight: 400;">Any time a working adult is hurt and needs either extended sick leave or rehabilitation, it is worth looking into disability insurance and seeing if that is a route that can help you while you recover from your injury. When you need to recover, it’s important that you do it right, and that you have the help you need.</span></p>
<h2><span style="font-weight: 400;">Insurance Disability Lawyers Ready to Represent You</span></h2>
<p><span style="font-weight: 400;">If you’ve suffered a debilitating injury due to a sporting event and your insurance is trying to deny your disability claim, it’s time to look for help. At</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/"><span style="font-weight: 400;">Edelstein Martin & Nelson</span></a><span style="font-weight: 400;">, we know how to take on your case and help you get through this difficult and frustrating time. Allow us to look over your case and fight for you to get the justice and respect you deserve from your insurance company, and give us the ability to help you begin your recovery. Call us today at (800) – 300 – 0909 to talk with one of our lawyers.</span></p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/when-a-sport-injury-keeps-you-on-the-sidelines/">When a Sport Injury Keeps You On the Sidelines</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-31970577706683618042018-12-15T20:06:00.001-05:002018-12-15T20:06:27.808-05:00How Arthritis Affects Your Day to Day Life<h2 class="p1"><span class="s1">What is Arthritis?</span></h2>
<p class="p3"><span class="s2">Arthritis</span> <span class="s1">is an inflammatory disease that affects the joints of the body. Within the definition of arthritis, the two most common types of this disease are rheumatoid arthritis and osteoarthritis. Rheumatoid arthritis is a disease in which the immune system attacks the linings of the joints while osteoarthritis causes the cartilage between the bones to break down. Both of these diseases are painful and cause multiple issues for the sufferer for the remainder of their lives.</span></p>
<p class="p3"><span class="s1">Symptoms of arthritis include pain in and around the joints, a stiffness of the joints, swelling and redness, and a decreased range of motion. Treatments for this condition are still being tested, with pain management being a focus for those who suffer from any form of arthritis.</span></p>
<p class="p3"><span class="s1"><img class="size-medium wp-image-1354 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/jeans-828693_1920-300x200.jpg" alt="How Arthritis Affects Your Day to Day Life" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/jeans-828693_1920-300x200.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/jeans-828693_1920-768x512.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/jeans-828693_1920-1024x683.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/jeans-828693_1920-219x146.jpg 219w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/jeans-828693_1920-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/jeans-828693_1920-113x75.jpg 113w" sizes="(max-width: 300px) 100vw, 300px" />For many people with this condition, working and doing other manual labors is difficult and painful. Many people end up needing to <a href="https://www.philadelphiadisabilityinsurancelawyer.com/disability-insurance-overview/">file a disability insurance claim</a> because they are unable to perform simple tasks needed for many jobs and for everyday life.</span> <span class="s1">While many people file their claims and have them paid, others face serious issues with their insurance company basically refusing to pay their claims.</span></p>
<p class="p3"><span class="s1">When insurance companies refuse to pay valid claims, it can leave their customer upset, frustrated, and feeling hopeless. When a valid insurance claim is denied, it’s important to look for a <a href="https://www.philadelphiadisabilityinsurancelawyer.com/firm-overview/"><span class="s2">lawyer</span> who can help fight against the insurance company</a>, and work to help you have your claim processed and paid.</span></p>
<h2 class="p1"><span class="s1">How Can Arthritis Affect Me?</span></h2>
<p class="p3"><span class="s1">Arthritis has a wide-reaching effect on the body that can not only cause pain and discomfort but can also change the way your body moves and works. Some of the <a href="https://www.arthritis.org/about-arthritis/types/rheumatoid-arthritis/articles/rhemuatoid-arthritis-affects-body.php" target="_blank" rel="noopener nofollow">ways arthritis can affect</a> you <span class="s2">include</span>:</span></p>
<p class="p3"><span class="s1"><strong>Skin Rashes</strong>: Inflammation of the blood vessels caused by rheumatoid arthritis can cause rashes to form on the skin. In severe cases, this rash can turn into skin ulcers that can cause open wounds and bleeding. The only way to stop the rashes is to control the inflammation inside.</span></p>
<p class="p3"><span class="s1"><strong>Thinning Bones</strong>: Having chronic arthritis causes the bones in your body to lose density and to become brittle. Brittle bones mean that you can experience broken and fractured bones more easily, which can add to the pain you already suffer from with the arthritis you currently have.</span></p>
<p class="p3"><span class="s1"><strong>Inflamed Eyes:</strong> For some who have rheumatoid arthritis, the whites of their eyes become inflamed which can them lead to scarring. When your eyes are inflamed, you can experience pain, light sensitivity, and blurred vision.</span></p>
<p class="p3"><span class="s1"><strong>Dry Mouth:</strong> The inflammation caused by arthritis can damage the moisture-producing glands found in your mouth, which can cause you to have a dry mouth. Dry mouth can have a negative impact on your oral health, so it’s important that you have this issue addressed sooner than later.</span></p>
<h2 class="p1"><span class="s1">Disability Insurance Lawyers Ready to Fight for You</span></h2>
<p class="p3"><span class="s1">If you are someone who suffers from arthritis and has had your disability insurance claim delayed or denied, you should seek out a lawyer who can help you fight the insurance company and win your case. At <a href="https://www.philadelphiadisabilityinsurancelawyer.com/"><span class="s2">Edelstein Martin & Nelson</span></a>, we can help you fight your insurance company and demand that they pay you the claim that is rightfully yours. Call us today to discuss your case at (800) – 300 – 0909. We are waiting to help you today!</span></p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/how-arthritis-affects-your-day-to-day-life/">How Arthritis Affects Your Day to Day Life</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-20125215239888535802018-12-11T04:12:00.001-05:002018-12-11T04:12:04.792-05:00Long-Term Disability and Migraines<p><span style="font-weight: 400;">Millions of Americans suffer from <a href="https://www.ncbi.nlm.nih.gov/pubmed/25600719" target="_blank" rel="noopener nofollow">migraine headaches each year</a>. Some people only get them occasionally, but others are victims of chronic, frequent migraines that noticeably diminish their ability to perform the work duties and responsibilities. Because of this limitation, those who <strong>suffer from disabling migraines may qualify for individual or group long-term disability benefits</strong>.</span></p>
<p>If you or someone you love is trying to provide for themselves and their family through terrible migraines, a <a href="https://www.philadelphiadisabilityinsurancelawyer.com/disability-insurance-overview/">Philadelphia long-term disability lawyer</a> can help ensure you receive the help you need.</p>
<p>What Causes Migraines?</p>
<p><span style="font-weight: 400;">Migraines are a form of severe headaches that can last for several hours or sometimes for days on end. They are often accompanied by sensitivity to sound and light, nausea, blurred vision, vomiting, and even debilitating fatigue.</span><span style="font-weight: 400;"><br /></span><span style="font-weight: 400;"><br /></span><span style="font-weight: 400;">Doctors don’t know what exactly causes migraines, but believe them to be neurological in nature and originating from the brain stem. There are various possible triggers, including:</span></p>
<p> </p>
<ul>
<li style="font-weight: 400;"><i><span style="font-weight: 400;">Age</span></i></li>
</ul>
<p> </p>
<p> </p>
<ul>
<li style="font-weight: 400;"><i><span style="font-weight: 400;">Food</span></i></li>
</ul>
<p> </p>
<p> </p>
<ul>
<li style="font-weight: 400;"><i><span style="font-weight: 400;">Alcohol</span></i></li>
</ul>
<p> </p>
<p> </p>
<ul>
<li style="font-weight: 400;"><i><span style="font-weight: 400;">Family history</span><span style="font-weight: 400;"><br /></span></i></li>
</ul>
<p> </p>
<ul>
<li style="font-weight: 400;"><i><span style="font-weight: 400;">Hormonal changes</span></i></li>
</ul>
<p> </p>
<p> </p>
<p><span style="font-weight: 400;"><br /></span><span style="font-weight: 400;">Migraines are normally self-reported, meaning that physicians provide a diagnosis based on the patient’s reported symptoms, instead of from the results of an objective test. In an individual files a long-term disability claim for their migraines, the insurance company will want convincing proof and medical evidence such as </span><span style="font-weight: 400;">a diagnostic test, or other persuasive indication that shows you have a defined medical condition preventing you from performing the duties of your occupation</span><i><span style="font-weight: 400;">.</span></i></p>
<p><span style="font-weight: 400;">Instead of denying claims based on self reported conditions right away, many individual or group long-term</span> <span style="font-weight: 400;">disability</span> <span style="font-weight: 400;">insurers restrict the length of time that a person can receive benefits by periods of 12, 18, or 24 months.</span><span style="font-weight: 400;"><br /></span></p>
<h2><span style="font-weight: 400;">How To Track Your Migraine Pain<br /></span></h2>
<p><span style="font-weight: 400;">After you have visited your doctor, a great next step to help defend your disability claim it to keep a pain and headache journal, where you track:</span><span style="font-weight: 400;"><br /></span></p>
<p> </p>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">Dates and number of hours you had to miss work or couldn’t perform key duties of your occupation (due to migraines)</span><span style="font-weight: 400;"><br /></span></li>
</ul>
<p> </p>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">Length and severity of each migraine, along with any other symptoms you experienced (light and sound sensitivity, nausea, etc.)</span><span style="font-weight: 400;"><br /></span></li>
</ul>
<p> </p>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">Effects on your daily life, even minor inconveniences</span><span style="font-weight: 400;"><br /></span></li>
</ul>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">Documenting the intensity, frequency, and potency of your migraines is very important to keep and constantly update</span></li>
</ul>
<h2>Why You Should Keep Seeing Your Doctor After Being Diagnosed</h2>
<p><span style="font-weight: 400;"><img class="size-medium wp-image-1351 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/anh-nguyen-515149-unsplash-221x300.jpg" alt="Long-Term Disability and Migraines " width="221" height="300" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/anh-nguyen-515149-unsplash-221x300.jpg 221w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/anh-nguyen-515149-unsplash-768x1042.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/anh-nguyen-515149-unsplash-755x1024.jpg 755w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/anh-nguyen-515149-unsplash-108x146.jpg 108w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/anh-nguyen-515149-unsplash-37x50.jpg 37w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/anh-nguyen-515149-unsplash-55x75.jpg 55w" sizes="(max-width: 221px) 100vw, 221px" />You may have suffered from migraines for years, and your treating doctor may have diagnosed you with migraine headaches sometime in the past. However, you still should see your treating doctor, especially if your migraines’ severity, intensity, or frequency has increased. Insurance companies want to see <a href="https://www.mayoclinic.org/diseases-conditions/migraine-headache/diagnosis-treatment/drc-20360207" target="_blank" rel="noopener nofollow">preventative medicines prescribed</a>, coupled with with abortive medicines for when</span> <span style="font-weight: 400;">migraines</span> <span style="font-weight: 400;">hit.</span><span style="font-weight: 400;"><br /></span><span style="font-weight: 400;"><br /></span><span style="font-weight: 400;">Remember that there is no objective, established test for migraine headaches. Your treating doctor can only diagnose you using information from the symptoms you personally describe. You should tell your treating doctor everything, while carefully relaying even your minor problems. It may also be in your best interest to discuss with them whether any tests may rule out underlying causes. Your treating doctor may prescribe medication or other treatments that might help reduce or prevent your migraines.</span><span style="font-weight: 400;"><br /></span></p>
<h2>Long-Term Disability Attorney</h2>
<p><span style="font-weight: 400;">If migraines prevent you from performing the duties of your job or from simply functioning normally in everyday life, schedule a free claim consultation or disability policy analysis with the</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com"><span style="font-weight: 400;">Disability Lawyers at Edelstein Martin & Nelson</span></a><span style="font-weight: 400;">. One of our Pennsylvania disability lawyers will gladly assist you in securing the results you deserve. Contact us today at (215) 731-9900 to learn more about your</span> <span style="font-weight: 400;">options</span><span style="font-weight: 400;">, and get started on the road to victory.</span></p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/long-term-disability-and-migraines/">Long-Term Disability and Migraines</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-55472937592873996082018-12-01T18:35:00.001-05:002018-12-01T18:35:25.276-05:00What You Need to Know about Chronic Pain Disability Claims<p class="p1"><span class="s1">The National Institutes of Health reported that over 11 percent of <a href="https://nccih.nih.gov/health/pain/chronic.htm" target="_blank" rel="noopener nofollow"><span class="s3">Americans suffer from chronic pain</span></a>, and 25.3 million adults have been victims of severe pain every day for the previous three months. These numbers provide a disheartening reminder of just how many people suffer from chronic pain on a daily basis. In some instances, the pain may create minor inconveniences. In other scenarios, chronic pain leaves people ailing and disabled with the pain overtaking every aspect of their lives.</span></p>
<h2 class="p1"><span class="s1">Steps Toward Needing Long-Term Disability Insurance</span> <span class="s2"><br /></span></h2>
<p class="p1"><span class="s1">If you yourself suffer from chronic pain, you may find it increasingly difficult to maintain a 40 hour work week. A doctor may diagnose you with chronic pain and advise that you do not return to work to ensure your health and wellness in the long-term.</span></p>
<p><span class="s1">Because of your inability to work, contacting your individual or group long-term disability insurance carrier may seem like the best option. However, a carrier will often review your application, and despite your treating doctor’s recommendation, they may still deny your disability claim even if you <a href="https://www.philadelphiadisabilityinsurancelawyer.com/two-leading-causes-disability/" target="_blank" rel="noopener"><span class="s3">suffered a valid disability injury</span></a> and followed all the rules for filing a claim.</span><span class="s2"><br /></span></p>
<h2 class="p1"><span class="s1">Difficulty Locating the Source of Chronic Pain</span></h2>
<p class="p1"><span class="s1">Disability insurance cases that involve chronic pain always face unique challenges. Individual and group long-term disability insurance companies want solid, concrete medical evidence of a disability before agreeing to pay out monthly benefits, but chronic pain doesn’t always come with physical manifestations.</span></p>
<p class="p1"><span class="s1"><img class="size-medium wp-image-1347 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/raj-eiamworakul-780870-unsplash-300x200.jpg" alt="What You Need to Know about Chronic Pain Disability Claims" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/raj-eiamworakul-780870-unsplash-300x200.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/raj-eiamworakul-780870-unsplash-768x512.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/raj-eiamworakul-780870-unsplash-1024x683.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/raj-eiamworakul-780870-unsplash-219x146.jpg 219w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/raj-eiamworakul-780870-unsplash-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/12/raj-eiamworakul-780870-unsplash-112x75.jpg 112w" sizes="(max-width: 300px) 100vw, 300px" />Unlike suffering from an injury that an MRI or X-ray can detect, chronic pain is something the patient <i>feels</i>. Doctors usually cannot pinpoint the cause of the pain, or they may believe that it stems from multiple causes. The difficulty of identifying the cause can also make it difficult to treat. Treatments that <a href="https://www.theacpa.org/pain-management-tools/resources/life-resources/" target="_blank" rel="noopener nofollow"><span class="s3">successfully help manage the pain</span></a> may create other problems or stop working after a period of recovery. Your doctor may have to try a variety of methods before identifying the best treatment, prescriptions, and care for your particular injury.</span></p>
<h2 class="p1"><span class="s1">Medical Documentation in Chronic Pain Disability Claims</span></h2>
<p class="p1"><span class="s1">Insurance companies heavily rely on medical documentation when <a href="https://www.philadelphiadisabilityinsurancelawyer.com/individual-disability-insurance/" target="_blank" rel="noopener"><span class="s3">deciding whether or not to approve a disability claim</span></a>. It isn’t enough for your treating doctor to write a report that simply states that you’re unable to return to work. Rather, the documentation needs to clearly convey why you can’t and give as much in-depth detail as possible to ensure the insurance company cannot argue against the necessity of the disability claim.</span></p>
<p class="p1"><span class="s1">Overall, you want as much medical evidence as possible to private that your condition is true and that you are entitled to payment under your group or individual disability policy.</span></p>
<h2 class="p1"><span class="s1">Philadelphia Disability Claim Attorney</span><span class="s2"><br /></span></h2>
<p class="p1"><span class="s1">If you suffer from chronic pain and find yourself unable to work as a result, you need someone to assist you in understanding your options. A Pennsylvania ERISA claims lawyer can aid you in obtaining the individual and group disability benefits you truly deserve.</span></p>
<p><span class="s1">To schedule a disability policy analysis and claim consultation at no additional cost, call the <a href="https://www.philadelphiadisabilityinsurancelawyer.com/" target="_blank" rel="noopener"><span class="s4">disability lawyers at Edelstein Martin & Nelson</span></a> at (215) 731-9900, today.</span></p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/what-you-need-to-know-about-chronic-pain-disability-claims/">What You Need to Know about Chronic Pain Disability Claims</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-60490818642539275922018-11-25T20:02:00.001-05:002018-11-25T20:02:08.278-05:00What to Do if Your Long-Term Disability Claim is Denied<p><span style="font-weight: 400;">If you are</span> <b>filing for long-term disability</b><span style="font-weight: 400;">, it is likely because of a damaging event that is now inhibiting your ability to provide for yourself and your loved one. Many people have</span> <a href="https://longtermcare.acl.gov/costs-how-to-pay/what-is-covered-by-health-disability-insurance/index.html" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">comprehensive insurance policies for that exact reason</span></a><span style="font-weight: 400;">– to ensure that you are covered and protected no matter what happens to you. But what happens when that claim is suddenly denied?</span></p>
<p><span style="font-weight: 400;">If your</span> <b>long-term disability claim is rejected</b><span style="font-weight: 400;">, the best thing you can to protect yourself is to consult a proven</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/" target="_blank" rel="noopener"><span style="font-weight: 400;">Philadelphia Insurance Lawyer</span></a> <span style="font-weight: 400;">who will fight for you. At Edelstein Martin & Nelson, LLP, will work to ensure that this denial is reversed and you receive the compensation that you’re entitled to.</span></p>
<p><b>Why Was Your Disability Claim Denied?</b></p>
<p><span style="font-weight: 400;">When a</span> <b>long-term disability claim</b> <span style="font-weight: 400;">has been denied in Philadelphia, often times this is because of an inaccurate determination of the claim. These missteps may include:</span></p>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">Mischaracterization of illness or injury in which insurance carriers were not given accurate information from your providers</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">An insurance-hired doctor reviewed your file and determined that you are not disabled</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">An insurance company private investigator suggested that your activities are inconsistent with a disability</span></li>
</ul>
<p><span style="font-weight: 400;">For whatever reason the</span> <b>long-term disability claim</b> <span style="font-weight: 400;">has been denied, you have the right to fight this denial in order to receive what you are owed.</span></p>
<h2><b>Appealing a Long-Term Disability Claim</b></h2>
<p><span style="font-weight: 400;">If your claim is denied and you wish to</span> <b>appeal the decision to deny your disability claim</b><span style="font-weight: 400;">, it must be done in a timely manner. While the actual time frame depends on the individual policy, most policies <img class="size-medium wp-image-1344 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/Screen-Shot-2018-11-25-at-4.21.34-PM-264x300.png" alt="What to Do if Your Long-Term Disability Claim is Denied" width="264" height="300" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/Screen-Shot-2018-11-25-at-4.21.34-PM-264x300.png 264w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/Screen-Shot-2018-11-25-at-4.21.34-PM-129x146.png 129w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/Screen-Shot-2018-11-25-at-4.21.34-PM-44x50.png 44w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/Screen-Shot-2018-11-25-at-4.21.34-PM-66x75.png 66w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/Screen-Shot-2018-11-25-at-4.21.34-PM.png 427w" sizes="(max-width: 264px) 100vw, 264px" />generally allow for a</span> <b>180-day appeal period</b><span style="font-weight: 400;">, which may be extended if further information is required. If you cannot appeal in this time period, there is a slim chance of your case going forward.</span></p>
<p><span style="font-weight: 400;">Before completing an appeal, it is vital that you obtain the</span> <b>full administrative claims file</b><span style="font-weight: 400;">. It is required by law that your carrier provides either you or your counsel this file as well as a complete internal file. This is usually the determining factor that will reveal how accurately your case was handled.</span></p>
<p><span style="font-weight: 400;">After reviewing these files along with your denial letter and your doctor’s medical evidence, you and your counsel can develop a comprehensive strategy to fight the rejection.</span></p>
<h2><b>Long-Term Disability Insurance Attorney in Pennsylvania</b></h2>
<p><span style="font-weight: 400;">If your</span> <b>long-term disability insurance claim has been denied</b> <span style="font-weight: 400;">and you need help with the appeals process, contact our</span> <b>disability insurance lawyers</b> <span style="font-weight: 400;">who can help you today. Here at</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/" target="_blank" rel="noopener"><span style="font-weight: 400;">Edelstein Martin & Nelson, LLP,</span></a> <span style="font-weight: 400;">we assist individuals throughout the greater Philadelphia area and Delaware. We will help and counsel you on what steps to take next so that you are granted the benefits and compensation you deserve should something occur that inhibits you from taking care of your self and your family. </span></p>
<p><span style="font-weight: 400;">Call (215) 858-8440 or</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/contact/" target="_blank" rel="noopener"><span style="font-weight: 400;">contact</span></a> <span style="font-weight: 400;">us online to speak with one our lawyers through a free consultation.</span></p>
<p> </p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/what-to-do-if-your-long-term-disability-claim-is-denied/">What to Do if Your Long-Term Disability Claim is Denied</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-84993391241100594502018-11-16T22:46:00.001-05:002018-11-16T22:46:19.334-05:00Types of Disability Claims in Philadelphia<p><span style="font-weight: 400;">Unfortunately, false information about</span> <b>disability recipients</b> <span style="font-weight: 400;">paints a negative image of those who require this assistance to live full lives. While stories about people</span> <b>collecting disability checks</b> <span style="font-weight: 400;">fraudulently aren’t all false, they’re also not nearly as common as you might have been led to believe.</span></p>
<p><b>Disability insurance</b> <span style="font-weight: 400;">can be life-saving for people who have been injured and are no longer able to support themselves by working. Determining if you’re capable of receiving disability in Philadelphia can be complicated without the guidance of an experienced</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/" target="_blank" rel="noopener"><span style="font-weight: 400;">Philadelphia disability and insurance attorney</span></a><span style="font-weight: 400;">.</span></p>
<h2><b>Types of Disability Claims</b></h2>
<p><span style="font-weight: 400;">There are two types of disability claims; short-term and long-term.</span></p>
<p><b>Short-term disability insurance</b> <span style="font-weight: 400;">might only last for six months or so and is used most often in cases where a person can return to work after a period of recovery. It won’t replace your entire paycheck, but it will cover a portion of it. People typically get short-term insurance through their employer, although private policies are also available.</span></p>
<p><b>Long-term disability insurance</b> <span style="font-weight: 400;">is for people who are</span> <b>out of work for long periods of time</b><span style="font-weight: 400;">, anywhere from years to the rest of their lives. Some employers offer long-term disability, although it’s much less common. Many people choose to purchase</span> <b>supplemental insurance</b> <span style="font-weight: 400;">to take care of the gaps in thei</span><b>r employer-provided long-term insurance coverage</b><span style="font-weight: 400;">.</span></p>
<h2><span style="font-weight: 400;">What Happens if you Need Disability Insurance and Don’t Have It?</span></h2>
<p><span style="font-weight: 400;">In cases where you</span> <b>need disability insurance and don’t have it,</b> <span style="font-weight: 400;">there are options that can help you.</span></p>
<p><span style="font-weight: 400;"><img class="size-medium wp-image-1340 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/wheelchair-3088991_1920-300x200.jpg" alt="Types of Disability Claims in Philadelphia" width="300" height="200" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/wheelchair-3088991_1920-300x200.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/wheelchair-3088991_1920-768x512.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/wheelchair-3088991_1920-1024x682.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/wheelchair-3088991_1920-219x146.jpg 219w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/wheelchair-3088991_1920-50x33.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/wheelchair-3088991_1920-113x75.jpg 113w" sizes="(max-width: 300px) 100vw, 300px" />Social Security and Supplemental Security Income disability</span> <a href="https://www.benefits.gov/benefit/4382" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">programs </span></a><span style="font-weight: 400;">are</span> <b>federal programs that assist people with disabilities</b> <span style="font-weight: 400;">who meet specific criteria. To receive Social Security disability insurance, you must have worked in jobs covered by Social Security. You receive work credits based on your yearly income – up to four per year – and you must have accumulated at least 40 credits to qualify for disability. You also must have paid Social Security taxes on your income.</span></p>
<p><b>Social Security disability</b> <span style="font-weight: 400;">doesn’t depend on your income. Instead, it’s based on whether you have enough work credits and whether you meet the standard for disability. If you’re still working and earn more than $1,180 a month, you cannot be considered disabled. Your condition has to be considered severe, meaning your ability to do basic tasks like walking and standing are severely limited. The Social Security Administration also has a</span> <a href="https://www.ssa.gov/disability/professionals/bluebook/listing-impairments.htm" target="_blank" rel="noopener nofollow"><span style="font-weight: 400;">list</span></a> <span style="font-weight: 400;">of conditions that meet the standard.</span></p>
<p><span style="font-weight: 400;">If you don’t necessarily meet the criteria, the Social Security Administration will have to determine your particular case. They will then decide whether or not you can still do your previous job or if you are capable of doing any other work.</span></p>
<h2><span style="font-weight: 400;">Philadelphia Disability and Insurance Lawyer</span></h2>
<p><span style="font-weight: 400;">Many people across Philadelphia struggle with obtaining benefits and find themselves turning to lawyers after they’ve been denied. It’s a complicated process with many steps, and without a knowledgeable professional to guide you, you run the risk of finding yourself unable to work without any coverage. If you’ve been</span> <b>denied disability insurance benefits by an insurer</b> <span style="font-weight: 400;">or the federal government, contact the</span> <a href="https://www.philadelphiadisabilityinsurancelawyer.com/" target="_blank" rel="noopener"><span style="font-weight: 400;">Philadelphia disability</span></a> <span style="font-weight: 400;">law firm of Edelstein Martin & Nelson today at (215) 858-8440, or toll-free at (800) 887-4529.</span></p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/types-of-disability-claims-in-philadelphia/">Types of Disability Claims in Philadelphia</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6619248848784440972.post-76812983502901270892018-11-10T20:36:00.001-05:002018-11-10T20:36:24.593-05:00Working in Philadelphia While Receiving Social Security Benefits<p>In order to <strong>receive Social Security benefits,</strong> the government requires that you not be able to engage in certain kinds of physical activity that pertain to your injuries or illness. However, since the definition is vague, it is possible to work and earn money while still being <strong>eligible for disability benefits in Pennsylvania.</strong></p>
<p>As Social Security officials will determine if the work you’re doing is a substantial gainful activity (SGA), it’s important to speak to a skilled <a href="https://www.philadelphiadisabilityinsurancelawyer.com" target="_blank" rel="noopener">Philadelphia long-term disability lawyer</a> who can explain what options are available for you.</p>
<h2>What is a Substantial Gainful Activity?</h2>
<p>When someone works and earns over a certain amount of money per month, Social Security officials consider them to be engaging in <a href="https://www.ssa.gov/oact/cola/sga.html" target="_blank" rel="noopener nofollow">substantial gainful activity.</a> For non-blind individuals, this threshold <img class="size-medium wp-image-1336 alignright" src="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/rawpixel-570911-unsplash-300x276.jpg" alt="Working in Philadelphia While Receiving Social Security Benefits" width="300" height="276" srcset="https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/rawpixel-570911-unsplash-300x276.jpg 300w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/rawpixel-570911-unsplash-768x706.jpg 768w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/rawpixel-570911-unsplash-1024x942.jpg 1024w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/rawpixel-570911-unsplash-159x146.jpg 159w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/rawpixel-570911-unsplash-50x46.jpg 50w, https://www.philadelphiadisabilityinsurancelawyer.com/wp-content/uploads/2018/11/rawpixel-570911-unsplash-82x75.jpg 82w" sizes="(max-width: 300px) 100vw, 300px" />is $1,170 per month before taxes. If you work and make below that allotted amount, you are still eligible to receive your <strong>long-term disability benefits.</strong></p>
<p>The rules change though if you report yourself as self-employed. Social Security officials use different methods to assess whether or not your work is considered SGA. Their main concern is if you are purposely underpaying yourself in order to receive benefits.</p>
<p>Social Security officials will also reassess your injuries to determine if you are still considered disabled. If they decide that your health has improved, they may end your benefits which you can appeal if you believe this has been done in error.</p>
<h2>Trial Period and Extended Period of Eligibility in Philadelphia</h2>
<p>It is your responsibility to report any changes in work or income if you are applying or already <strong>receiving disability payments</strong>. In order to encourage those who receive disability payments, Social Security officials have rules in place that result in <a href="https://www.ssa.gov/redbook/eng/ssdi-only-employment-supports.htm" target="_blank" rel="noopener nofollow">trial periods</a> that begin if you earn under $840 per month. If you earn this amount for 9 months in 5 years, this time frame counts as the trial period.</p>
<p>Once you work more than that, you have officially entered into an <strong>extended period of eligibility.</strong> The first 36 months of this period of time is called the <strong>re-entitlement period.</strong> Therefore, if your earning goes above the SGA amount, your disability will end within two months. If it drops, then you can reinstate your benefits.</p>
<h2>Long-Term Disability Insurance Attorney in Pennsylvania</h2>
<p>If you are thinking about signing up for a <strong>long-term disability policy</strong> or have questions on how the process works or which insurance company is right for you, contact a <strong>Pennsylvania disability insurance lawyer today.</strong></p>
<p>Here at <a href="https://www.philadelphiadisabilityinsurancelawyer.com/" target="_blank" rel="noopener">Edelstein Martin & Nelson, LLP</a>, we assist individuals throughout the greater Philadelphia area and Delaware. We can help and counsel you on what kind of disability policy is best for you. We leave no stone unturned when it comes to your long-term wellness and are here to fight for you.</p>
<p>Call (215) 858-8440 or <a href="https://www.philadelphiadisabilityinsurancelawyer.com/contact/" target="_blank" rel="noopener">contact us</a> online to have our lawyers discuss policies and insurance companies to help you understand all of your legal options during a free consultation.</p>
<p>The post <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com/working-in-philadelphia-while-receiving-social-security-benefits/">Working in Philadelphia While Receiving Social Security Benefits</a> appeared first on <a rel="nofollow" href="https://www.philadelphiadisabilityinsurancelawyer.com">Philadelphia Disability Insurance Lawyer</a>.</p>
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