Bodily Injury Liability If another person is injured because of your carelessness or the carelessness of someone driving your car, this coverage typically requires your insurance company to pay the claim. The company’s obligation is limited, however, to the amount of coverage you purchased. For example, if your liability amounts…
We have been discussing many different mistakes that can be made during your workers’ compensation claim but what happens when the doctor releases you and says that you are as good as you are going to get? As noted previously, this is called maximum medical improvement. It is at this…
Step 1: Initial Application To be awarded disability benefits, you first have to assert your right to them. You assert your right by filing an application with the Social Security Administration. You can make this application in several ways: In person at your local Social Security office; Over the phone…
1. The insurance company could drag its feet in investigating the injury claim and accepting responsibility. (Typical) 2. The person at fault may not report the accident to their insurance company. 3. The person at fault may not have coverage for the damage that they caused you. If so, you…
In the State of North Carolina the workers’ compensation insurance company or employer generally has the right to direct the medical treatment of the injured worker. If you have been injured and you are out of work receiving weekly benefits from a workers’ compensation insurance company it is very important…
Although the insurance adjuster may be correct in telling you that he/she can tell you where to treat, he/she cannot keep you from having a second opinion. In the State of North Carolina if you are directed to treat with a particular physician and that physician subsequently releases you after…
What is considered a disability? DIB: Physical or Mental Impairment that last 12 months or more that prevents you from working a full-time job. SSI: Same as DIB. Read More: What Conditions Automatically Qualify You for Disability? Credit Requirements DIB: Must have paid in enough taxes in to Social Security…
When filing for Social Security disability you must be detailed when explaining your pains and limitations. For this to be a credible part of your claim, you must be able to let doctors know exactly what you can and cannot do in full detail. Following are two examples of explanations…
Social Security claimants who abuse illegal drugs and alcohol risk losing their entitlement to benefits. Social Security laws can prevent you from receiving disability benefits if your alcohol or drug use is a major factor causing your disability. You may have heard of people receiving disability benefits for alcohol use…
Your credibility as a medical patient and as a witness can make or break your Social Security disability claim. Your credibility is built upon many things including your age, education, work history, medical history, criminal history, family history and many other variables. However a cornerstone of credibility, particularly in the…
