Author Archives: Jay Butchko
DNA Testing Can Impact Long-Term Disability Coverage
A disability can strike at any time, and may affect an individual to the point which he/she may be forced to stop working. In these cases, the individual may wish to take advantage of Long-Term Disability (LTD) Insurance benefits. LTD benefits are typically provided as part of an employee’s benefits offering, although individuals are… Read More »
How Does the SSA Evaluate Pain?
Pain, and, especially, the tolerance of pain, is a very subjective experience. Certain individuals can withstand a greater degree of pain than others. Consequently, injuries and disabilities will affect certain individuals differently than others. This variance will influence whether a particular individual is disabled enough to continue working and, whether it is possible to… Read More »
Filing for Long-Term Disability
Typically, although not exclusively, a part of an employee’s benefits program is Long-Term Disability (LTD). LTD benefits pay out a predetermined sum when an employee becomes disabled for at least one year or more. Since studies have shown that there is a greater chance that workers will suffer a long-term disability than ever before,… Read More »
When Is the Right Time to Apply for Social Security Disability Insurance Benefits?
Suffering a debilitating injury obviously and directly causes immediate pain and suffering to the individual, but also is the source of more long-term financial suffering. More specifically, the disabled individual will most likely have to take time out of his/her employment to focus on recovery. Further, if the disabled individual is the breadwinner in… Read More »
Obtaining SSDI Benefits When You Are Self-Employed
Many individuals are aware of Social Security Disability Insurance (SSDI) benefits, and how they can help disabled employees receive some degree of income when they are unable to work. Generally, a disabled employee who is able to prove that he/she has a long-term and total disability would be approved to receive a specified amount… Read More »
Can You Be Fired While on Long-Term Disability?
When an employee becomes unable to work, due to the onset of a disability, he/she naturally begins to worry about how he/she will be able to support himself/herself and his/her family. Fortunately, many businesses provide Long-Term Disability (LTD) for its employees, which allows them to submit a claim with an LTD insurance carrier for… Read More »
Disability Benefits for Pregnancy-Related Conditions
Confirming one’s pregnancy is a typically joyous occasion, filled with hope and desire. Although we live in a country with the best healthcare system in the world, complications from pregnancy do happen. In these unfortunate situations, the pregnant woman may need to take some time away from her employment to deal with the complication,… Read More »
Qualifying for State Disability Benefits
Suffering a disability is never a pleasant experience for anyone. Even beyond the pain and recovery time and effort, in some cases, suffering from a disability may force an individual to take an extended period away working. The fear of not knowing when a paycheck will next come can cause extreme concern, especially if… Read More »
Getting Long-Term Disability Following a Stroke
Experiencing a cerebrovascular accident, more commonly known as a stroke, can be a very debilitating event. While minor strokes, such as that suffered by ESPN personality Lee Corso in 2009, can allow for a near-complete recovery and return to employment, some strokes can cause more long-lasting damage. Regardless, with almost any stroke, time off… Read More »
Work Credits and Qualifying for Social Security Disability Insurance
Social Security Disability Insurance (SSDI) is a program offered through the Social Security Administration (SSA) to provide financial assistance for those who have become disabled and are unable to work. Upon application to the SSA, if a worker can show that his/her condition has so affected his ability to continue his/her current employment, then… Read More »
