Yes, we offer free consultations to review your disability insurance policy or policies? Many of our clients have no idea what kind of disability insurance coverage they have when they come to us for help making a claim or appealing a claim denial. Some have Individual Disability Insurance (what some call 'DI'). Others have policies they bought through work (usually known as 'ERISA' coverage, named after the federal law that covers employee benefits). Still others have many policies, and they do not know how they work or when each policy will pay benefits.
Tucker & Ludin, P.A. provides free insurance reviews for anyone who wants to have their disability insurance coverage analyzed. We can help you understand how you are covered. Your insurance agent should have explained this, but in our experience, agents often do not even understand the policies they sold you.
Under what conditions does your disability policy pay? When does it not pay benefits? What are the exclusions? Are your benefits reduced by "other income?" What is "other income?" Do you have to apply for Social Security Disability? What is the "elimination period?" We can help you understand the answers to these and other questions....all at no cost to you.
If you want a free opinion about the terms of your insurance policy (not the amount, but the actual language), from someone who is not an insurance agent, feel free to call us. As attorneys that represent people in disability insurance claims and lawsuits, we will provide you with an unbiased opinion about what coverage you purchased. We are disability attorneys. Tucker & Ludin is one of the few law firms in the country that represents people like you in ALL types of disability insurance claims and cases, as well as Social Security Disability and Veterans Disability benefits claims.
The time to understand your disability insurance and know what you bought is BEFORE you become disabled. Call us at toll free at (866) 282-5260 or email John Tucker at tucker@tuckerludin.com to schedule your free insurance review. Although we are based in Florida, we handle cases all over the United States, and would be happy to assist you.
Copyright (c) 2010 by John V. Tucker and Tucker & Ludin, P.A. All rights reserved. For assistance with your Long Term Disability claim, ERISA Disability benefit claim, Social Security Disability claim, or Veterans Disability compensation or pension claim, call Disability Lawyer John Tucker at (866) 282-5260.
Copyright (c) 2010 by John V. Tucker and Tucker & Ludin, P.A. All r
Showing posts with label free. Show all posts
Showing posts with label free. Show all posts
Tuesday, September 7, 2010
Monday, August 2, 2010
How to you know if you bought 'good' disability insurance? Get a Free Insurance Review from Tucker & Ludin, P.A.
Why would you want a free consultation to review your insurance policy? Many of our clients have no idea what kind of disability insurance coverage they have when they come to us for help making a claim or appealing a claim denial. Some have Individual Disability Insurance (what some call 'DI'). Others have policies they bought through work (usually known as 'ERISA' coverage, named after the federal law that covers employee benefits). Still others have many policies, and they do not know how they work or when each policy will pay benefits.
Tucker & Ludin, P.A. provides free insurance reviews for anyone who wants to have their disability insurance coverage analyzed. We can help you understand how you are covered. Your insurance agent should have explained this, but in our experience, agents often do not even understand the policies they sold you.
Under what conditions does your disability policy pay? When does it not pay benefits? What are the exclusions? Are your benefits reduced by "other income?" What is "other income?" Do you have to apply for Social Security Disability? What is the "elimination period?" We can help you understand the answers to these and other questions....all at no cost to you.
If you want a free opinion about the terms of your insurance policy (not the amount, but the actual language), from someone who is not an insurance agent, feel free to call us. As attorneys that represent people in disability insurance claims and lawsuits, we will provide you with an unbiased opinion about what coverage you purchased. We are disability attorneys. Tucker & Ludin is one of the few law firms in the country that represents people like you in ALL types of disability insurance claims and cases, as well as Social Security Disability and Veterans Disability benefits claims.
The time to understand your disability insurance and know what you bought is BEFORE you become disabled. Call us at toll free at (866) 282-5260 or email John Tucker at tucker@tuckerludin.com to schedule your free insurance review. Although we are based in Florida, we handle cases all over the United States, and would be happy to assist you.
Copyright (c) 2010 by John V. Tucker and Tucker & Ludin, P.A. All rights reserved. For assistance with your Long Term Disability claim, ERISA Disability benefit claim, Social Security Disability claim, or Veterans Disability compensation or pension claim, call Disability Lawyer John Tucker at (866) 282-5260.
Tucker & Ludin, P.A. provides free insurance reviews for anyone who wants to have their disability insurance coverage analyzed. We can help you understand how you are covered. Your insurance agent should have explained this, but in our experience, agents often do not even understand the policies they sold you.
Under what conditions does your disability policy pay? When does it not pay benefits? What are the exclusions? Are your benefits reduced by "other income?" What is "other income?" Do you have to apply for Social Security Disability? What is the "elimination period?" We can help you understand the answers to these and other questions....all at no cost to you.
If you want a free opinion about the terms of your insurance policy (not the amount, but the actual language), from someone who is not an insurance agent, feel free to call us. As attorneys that represent people in disability insurance claims and lawsuits, we will provide you with an unbiased opinion about what coverage you purchased. We are disability attorneys. Tucker & Ludin is one of the few law firms in the country that represents people like you in ALL types of disability insurance claims and cases, as well as Social Security Disability and Veterans Disability benefits claims.
The time to understand your disability insurance and know what you bought is BEFORE you become disabled. Call us at toll free at (866) 282-5260 or email John Tucker at tucker@tuckerludin.com to schedule your free insurance review. Although we are based in Florida, we handle cases all over the United States, and would be happy to assist you.
Copyright (c) 2010 by John V. Tucker and Tucker & Ludin, P.A. All rights reserved. For assistance with your Long Term Disability claim, ERISA Disability benefit claim, Social Security Disability claim, or Veterans Disability compensation or pension claim, call Disability Lawyer John Tucker at (866) 282-5260.
Tuesday, July 27, 2010
Overhead Expense Insurance - Disability Coverage for Business Owners
If you are self-employed, what would happen to your business and employees if you became disabled? Many of my clients come to see me about claims under their Individual Disability insurance coverage, but most have not thought to buy Overhead Expense coverage to supplement their private or group disability insurance. Worse, some do not even know that their insurance agent had the forethought to have them buy Overhead Expense coverage, and they forget to make a timely claim for Overhead Expense benefits.
What is Overhead Expense Insurance? Overhead Expense coverage pays benefits to a business owner in case they (or one of their co-owners or partners) become disabled due to a sickness or injury. The idea is that you want to keep your business going while you are trying to recover from a serious illness or injury. It usually pays for no more than 2 to 3 years.
What Does Overhead Expense Insurance cover? It depends upon the particular policy (and you should always read the policy language to be sure), but typically Overhead Expense coverage will pay for things like insurance, office supplies, postage, rent, salaries, utilities, etc.
Do you have to be disabled from any occupation or just the role of business owner? Again, the policy language will address this. If you are in the market for this type of insurance, tell your insurance agent that you want coverage that defines disability as your inability to engage in all of the duties of your occupation. They call this "own occupation" coverage. That way, if you cannot do part of your job, then the benefits kick in. Insurance companies have many different types of policies though, so beware that you are not buying something that has a very narrow definition of disability that you may never meet.
Who Should Buy Overhead Expense Insurance? Any business owner or group of owners that are concerned about how the business will stay afloat if one or more owners becomes disabled. This is particularly key in new or small businesses.
I often represent business owners and professionals that wish they had this coverage when they become disabled. Consider a small business that employs 10 people, but the owner plays a key role in providing the service or product. If the owner gets cancer and is treated for a year, but cannot work, Overhead Expense coverage may save their business. Without it, they may have to start over after they recover. Alternatively, it may buy some time for them to sell the business while they recover or if they decide they cannot return to work due to their disability.
FREE INSURANCE POLICY REVIEW: Tucker & Ludin, P.A. provides free insurance reviews for anyone who wants to have their disability insurance coverage analyzed. If you want an opinion about the terms of your insurance policy (not the amount, but the actual language), from someone who is not an insurance agent, feel free to call us. As attorneys that represent people in disability insurance claims and lawsuits, we will provide you with an unbiased opinion about what coverage you purchased. The time to understand your disability insurance and know what you bought is BEFORE you become disabled. Call us at (866) 282-5260 to schedule your free insurance review.
Copyright (c) 2010 by John V. Tucker and Tucker & Ludin, P.A. All rights reserved. For assistance with your Long Term Disability claim, ERISA Disability benefit claim, Social Security Disability claim, or Veterans Disability compensation or pension claim, call Disability Lawyer John Tucker at (866) 282-5260.
What is Overhead Expense Insurance? Overhead Expense coverage pays benefits to a business owner in case they (or one of their co-owners or partners) become disabled due to a sickness or injury. The idea is that you want to keep your business going while you are trying to recover from a serious illness or injury. It usually pays for no more than 2 to 3 years.
What Does Overhead Expense Insurance cover? It depends upon the particular policy (and you should always read the policy language to be sure), but typically Overhead Expense coverage will pay for things like insurance, office supplies, postage, rent, salaries, utilities, etc.
Do you have to be disabled from any occupation or just the role of business owner? Again, the policy language will address this. If you are in the market for this type of insurance, tell your insurance agent that you want coverage that defines disability as your inability to engage in all of the duties of your occupation. They call this "own occupation" coverage. That way, if you cannot do part of your job, then the benefits kick in. Insurance companies have many different types of policies though, so beware that you are not buying something that has a very narrow definition of disability that you may never meet.
Who Should Buy Overhead Expense Insurance? Any business owner or group of owners that are concerned about how the business will stay afloat if one or more owners becomes disabled. This is particularly key in new or small businesses.
I often represent business owners and professionals that wish they had this coverage when they become disabled. Consider a small business that employs 10 people, but the owner plays a key role in providing the service or product. If the owner gets cancer and is treated for a year, but cannot work, Overhead Expense coverage may save their business. Without it, they may have to start over after they recover. Alternatively, it may buy some time for them to sell the business while they recover or if they decide they cannot return to work due to their disability.
FREE INSURANCE POLICY REVIEW: Tucker & Ludin, P.A. provides free insurance reviews for anyone who wants to have their disability insurance coverage analyzed. If you want an opinion about the terms of your insurance policy (not the amount, but the actual language), from someone who is not an insurance agent, feel free to call us. As attorneys that represent people in disability insurance claims and lawsuits, we will provide you with an unbiased opinion about what coverage you purchased. The time to understand your disability insurance and know what you bought is BEFORE you become disabled. Call us at (866) 282-5260 to schedule your free insurance review.
Copyright (c) 2010 by John V. Tucker and Tucker & Ludin, P.A. All rights reserved. For assistance with your Long Term Disability claim, ERISA Disability benefit claim, Social Security Disability claim, or Veterans Disability compensation or pension claim, call Disability Lawyer John Tucker at (866) 282-5260.
Friday, August 1, 2008
Financial Help While You Wait for Disability Benefits
We often find that our clients are in need of financial assistance while waiting for their disability benefits to be approved. The following is a list of links that may be helpful.
General Resources
http://www.211.org/
http://www.ssa.gov/ – Go to “Find Local Office,” enter in the zip code, then go to “Local Agencies”
Department Children and Families – Medicaid, Discount Drug Card, other services
Prescription Help
RX Outreach
Brevard County
Health Department
Social Services
Citrus County
Health Department
Social Services
Hernando County
Health Department and Social Services
Hillsborough County
Health Department
Social Services
Manatee County
Health Department
Social Services
Orange County
Health Department
Social Services
Pasco County
Health Department
Social Services
Pinellas County
Health Department
Social Services
Polk County
Health Department
Social Services
Copyright (c) 2008 by John V. Tucker and Tucker & Ludin, P.A. All rights reserved. Any content borrowed or referenced from another source is referenced by citation to the original source as noted in the text above.
General Resources
http://www.211.org/
http://www.ssa.gov/ – Go to “Find Local Office,” enter in the zip code, then go to “Local Agencies”
Department Children and Families – Medicaid, Discount Drug Card, other services
Prescription Help
RX Outreach
Brevard County
Health Department
Social Services
Citrus County
Health Department
Social Services
Hernando County
Health Department and Social Services
Hillsborough County
Health Department
Social Services
Manatee County
Health Department
Social Services
Orange County
Health Department
Social Services
Pasco County
Health Department
Social Services
Pinellas County
Health Department
Social Services
Polk County
Health Department
Social Services
Copyright (c) 2008 by John V. Tucker and Tucker & Ludin, P.A. All rights reserved. Any content borrowed or referenced from another source is referenced by citation to the original source as noted in the text above.
Saturday, July 19, 2008
Why is it important to tell your doctor about the side effects of your prescription medications in a disability claim?
We see it over and over....our clients will tell us about the drowsiness, fogginess, lightheadness, or other side effects from the pharmacy of medications their doctors have them taking....but then we never see anything about it in the doctor's notes! Why is that a problem? Because disability insurance company adjusters love to say that they are not considering any claimed side effects as valid, because the doctor has not recorded them.
The insurer's theory is essentially this: if the side effects were that bad, you would tell your doctor, and he would record them.
You are probably saying that is ridiculous. We hear all the time from our clients that they assume the doctor knows the side effects....and surely, the doctor does....but it's not getting into the notes that way. We also know doctors who tells us that they do know the side effects and see no need to write them in their notes because they expect it is happening.
If you have a disability claim and your side effects would impact your ability to work, you MUST tell your doctor about them AND make sure the doctor puts it into their notes.
WE RECOMMEND THE FOLLOWING STEPS TO MAKE SURE YOUR SIDE EFFECTS GET NOTED:
1. Write down a list of your medications and describe the side effects for each - type of side effects, how often they happen, how long they last. Bring it with you to EVERY doctor you see. Write the date of your appointment on it.
2. If they have you fill out paperwork when you go into a doctor's office, write down your medications and their side effects on that paperwork....even if there is no blank for side effects on the form, write them down anyway.
3. Tell the nurse who sees you before the doctor comes in. Hand your list that you brought (see #1 above) to the nurse, and explain that you want that list put in your chart.
4. Tell the doctor about your side effects. Make the doctor listen, and explain that you would like that information put in the chart, because your insurance company says they must not be happening if your doctor is not writing your side effects in the notes.
5. Get copies of your doctors' notes every month, and check to make sure they are recording your medication side effects.
If you follow these steps, you will have less problems with an adjuster telling you that your side effects really are not that bad or that they don't impact working.
The insurer's theory is essentially this: if the side effects were that bad, you would tell your doctor, and he would record them.
You are probably saying that is ridiculous. We hear all the time from our clients that they assume the doctor knows the side effects....and surely, the doctor does....but it's not getting into the notes that way. We also know doctors who tells us that they do know the side effects and see no need to write them in their notes because they expect it is happening.
If you have a disability claim and your side effects would impact your ability to work, you MUST tell your doctor about them AND make sure the doctor puts it into their notes.
WE RECOMMEND THE FOLLOWING STEPS TO MAKE SURE YOUR SIDE EFFECTS GET NOTED:
1. Write down a list of your medications and describe the side effects for each - type of side effects, how often they happen, how long they last. Bring it with you to EVERY doctor you see. Write the date of your appointment on it.
2. If they have you fill out paperwork when you go into a doctor's office, write down your medications and their side effects on that paperwork....even if there is no blank for side effects on the form, write them down anyway.
3. Tell the nurse who sees you before the doctor comes in. Hand your list that you brought (see #1 above) to the nurse, and explain that you want that list put in your chart.
4. Tell the doctor about your side effects. Make the doctor listen, and explain that you would like that information put in the chart, because your insurance company says they must not be happening if your doctor is not writing your side effects in the notes.
5. Get copies of your doctors' notes every month, and check to make sure they are recording your medication side effects.
If you follow these steps, you will have less problems with an adjuster telling you that your side effects really are not that bad or that they don't impact working.
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