What is a 'Free Disability Insurance Review' by an attorney? Do you need one?

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

Social Security Proposes New Regulations for How It Will Evaluate Mental Disabilities

Social Security is proposing to change the way it evaluates mental disabilities. In proposed regulations published in the Federal Register on August 19, 2010, the Social Security Administration stated that it intends to change its process for Social Security Disability and SSI benefits by amending its Listing of Impairments as they apply to mental disorders like depression, anxiety, organic and cognitive mental disorders, mental retardation, schizophrenia, autism, and personality disorders.

Social Security is seeking comments on the proposed regulations. The deadline for comments isNovember 17, 2010. You can find out how to submit comments by clicking on the link above to read the Federal Register preface to the proposed regs.

I have not had the chance to read these in depth yet. Obviously, the proposed version may not be what Social Security issues as final regulations in November (or later), so stay tuned for more news as it develops.

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.

Did you know you can apply for Social Security Disability or SSI benefits online?

If you had to stop working because of a sickness or injury and expect to be out of work for at least 12 months, the Social Security Administration has made it very easy to apply for Social Security Disability. Simply go to the Social Security website at http://ssa.gov/applyfordisability/ and fill out the forms online. There are 2 main forms: The Disability Application and the Disability Report.

You will need the following information for each of the forms to complete your application for Social Security Disability or SSI:

DISABILITY APPLICATION

• Military Service discharge information (Form DD 214) for all periods of active duty.

• W-2 Form (or your IRS 1040 and Schedules C and SE if self-employed) from last year.

• Social Security Number(s) for your spouse and minor children.

• Checking or savings account number and bank routing number, if you want Direct Deposit for your benefit checks.

DISABILITY REPORT

• Name, address and phone number of someone we can contact who knows about your medical conditions and can help with your claim.

• Names, addresses, phone numbers, patient ID numbers, and dates of treatment for all doctors, hospitals, and clinics.
  NOTE: You may want to refer to any Medical Records you have.

• Names of medicines you are taking and who prescribed them.
  NOTE: You may want to have your medicine bottles available.

• Names and dates of medical tests you have had and who sent you for them.

• Types of jobs and dates you worked for your last 5 jobs.

• Information about any insurance or workers' compensation claims you filed, such as claim number and name, address and phone number of insurance company.

You can also apply by phone or in person at a Social Security office, but the online application is the way we recommend people apply these days.

Although you do not need a disability benefit attorney to file your application, having a consultation before you apply can be very helpful. Speak to a Social Security disability attorney that will give you a free consultation to get some tips on how to help your claim for Social Security Disability and SSI.

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 ERISA?

What is ERISA?

ERISA stands for the Employee Retirement Income Security Act, a federal law passed by Congress in 1974. President Nixon signed ERISA into law after 10 years of study designed to reform the nation's pension system.

Congress ultimately included employer-provided insurance benefits as part of the law. That is why most Short Term Disability, Long Term Disability, Health, and Life Insurance benefits that are offered by private employers are covered by ERISA. ERISA applies only to employee benefits provided by private employers. If you work for a government entity or a church, ERISA will not apply to your claim. However, any private employer (even a small company with only one employee other than the owner) that provides employee benefits will be subject to ERISA.

With certain exceptions, ERISA creates one uniform system to administer these group benefit programs sponsored by employers. However, this “uniform system” is far from uniform. The law actually allows employers to establish nearly any type of benefit plan they wish, as long as they provide certain documents to employees and allow for an appeal when benefits are denied.

No matter which lawyer your hire, if you have a group benefit claim covered by ERISA, make sure your lawyer has experience handling ERISA cases. There are many differences between ERISA cases and insurance claims regulated by state laws, and if you or your lawyer do not know those differences and how to handle them, it can hurt your case. ERISA Attorney John Tucker is an experienced attorney who has handled over 1000 ERISA benefit claims of all types, including disability insurance, health insurance, life insurance, accidental death, 401k, and pension cases.

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.

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.