Why Should I Review My Award Notice?

Reviewing the award notice that you get after a favorable decision is probably the single most important thing that we do. The award notices often contain errors. They can misstate the amount of time you are entitled to retroactive benefits. They can be wrong on the amount of benefits you’re supposed to get going forward, due to things like workers compensation offsets, and they can forget to discuss your auxiliary benefits – benefits that you are due for dependent children. Reviewing those records is something that we do very, very closely in order to maximize your benefits.

By: Lew Insler

Common Errors in Social Security Claims

Some of the biggest mistakes people make in filing for Social Security Disability is, first of all, waiting too long to apply, which can cost them retroactive benefits. Giving up when they’re turned down the first time, which is what Social Security wants you to do. Thinking that they can’t apply at all because the disability has to be permanent, but it only has to last for 12 months. And finally, failing to include all your medical problems. For example, only including things that are a result of an auto accident or a Workers’ Compensation claim when there are other impairments or medical problems that affect your ability to work.

By: Lew Insler

 Eligibility Requirements for Disability Benefits

Are you disabled? Does your disability prevent you from working? You may be eligible for social security disability benefits. Insler & Hermann knows that it’s not easy to apply for social security disability. We can help.

Most people are denied the first time they try

Call us today and let us help you get the disability benefits you deserve. We’re with you every step of the way. The sooner you meet with us, the sooner we can help you receive the benefits you deserve. We don’t get paid unless you win. Be our next success story.

By: Lew Insler

How Long Will Filing for a Social Security Disability Claim Take?

Hi, I’m Lew Insler from Insler & Hermann. We’re going to talk a little bit today about time frames that are involved in filling Social Security Disability claims. We’re always asked how long is this going to take? Well, the entire process is probably going to take over a year. Sometimes, as much as a year and a half. Most people are denied the first time around. After that, you either file a reconsideration or you file for a hearing depending on where you live. The reconsideration typically takes a bit less time and is usually a rubber stamp for the initial denial. Waiting for a hearing can take as much as a year and a lot of people want to know, what can I do while I’m waiting. You can go back to work. However, the amount that you earn may have an impact on how long you’re able to receive benefits once they’re approved. You can also receive benefits from other sources. You can get workers compensation. You might be eligible for no fault benefits. You might be eligible for veteran’s benefits and you can even settle a personal injury lawsuit if that’s what led to the injuries or impairments that caused you to file for your claim. There is a way to expedite the hearing process. It’s called dire need. Social Security considers someone to be in dire need if they’re in danger being of either evicted or foreclosed. Realize that most people who are filing for Social Security Disability are having a lot of financial trouble. Unfortunately, because of that, Social Security is not going to expedite your hearing. You’ve got be in this dire need situation.

By: Lew Insler

VA Disability Compensation Requirements

My name is Gideon Miller. Today we’re going to talk about what a veteran must prove in order to get VA disability compensation. To receive veteran’s disability you must have been in active service and you must not have been dishonorably discharged. You must currently be suffering the effects or the symptoms of that injury or disease, and you must show that these effects or symptoms are directly related to your service.

This relationship is called the Medical Nexus. Once the symptoms or effects are shown, the VA will assign a percentage of disability or a rating, for each impairment. The rating is based on a defined set of symptoms or limitations resulting from the impairment. Each rating results in a monthly payment based on the schedule established and changed periodically by congress.

By: Gideon J. Miller

Veterans Affairs Issuing Impairment Protocol

My name is Gideon Miller, and I’m going to explain to you how ratings are issued by the VA, for multiple impairments including Post-Traumatic Stress Disorder. Multiple impairments are not simply added up to obtain a novel rating in a VA claim. Each decreasing impairment is seen as a percentage of what is left. For example, a 15% impairment leaves you with 85% remaining. A further 10% impairment is taken against the 85% to yield an additional 8.5% rating.  And the total of 18.5% would usually be rounded to 20%.

However, the VA can also pay a benefit greater than the 100% rating amount for cases of Individual Unemployability or IU. To qualify, you must have at least one service-connected disability rated at 60%, or alternatively, two or more service-connected disabilities with at least one disability rating at 40% or more, with a combined rating of 70% or more.  You must be unable to maintain substantially gainful employment as a result of your service-connected disability.

Individual Unemployability & Post-Traumatic Stress Disorder

Marginal employment such as odd jobs, is not considered substantial gainful employment for VA purposes. While Individual Unemployability can come from many combinations of impairments, it is frequently associated with claims for Post-Traumatic Stress Disorder. Due to the great deal of attention this condition has received in the past 10 to 15 years, there are now a number of presumptions in favor of a diagnosis of Post-Traumatic Stress Disorder.

For example, if you’ve served in combat, and you can prove that your PTSD is related to that combat experience, the presumption applies. But even if you think you meet one of the presumptive causes, there may still be difficulty showing the existence of the stressor to the VA satisfaction. You may be found to have a service-connected disability for Post-Traumatic Stress Disorder from a stressor that is not among the presumption. However, in that case, you will need a medical report connecting the stressor and the diagnosis called a Nexus Report. Nexus reports are needed for any condition for which a presumption does not exist in the law.

Exposure to Agent Orange

The other major condition for which there are presumptions, is for Vietnam arrow exposure of the Agent Orange. Proof of exposure to Agent Orange, and a diagnosis of certain conditions such as diabetes or leukemia, allow for a finding of service connection.  However, in any of the presumptive service-connected impairments, the rating is still subject to the usual factors.

By: Gideon J. Miller

Working While Applying for Social Security Disability Benefits

Hi. This is Lew Insler from Insler & Hermann, and today we’re going to talk about working while applying for, or receiving social security disability benefits. We feel our clients are better off financially and emotionally if they’re working. We never tell a client not to try to work, as long as their doctor approves, and a full answer as to whether or not you can work, depends on the specifics of your case. But generally, the following holds true. You can work at a level below what’s called Substantial Gainful Activity, and the amount for that changes each year, and still pursue your claim or continue to receive benefits. During the claims process, you can work up to three months in most cases, and six months under limited circumstances regardless of your earnings, and still use the original date of disability. That’s called an Unsuccessful Work Attempt, and it may actually help your claim.

Working After Winning Disability Claim

After you have been found disabled, you’re entitled to a Trial Work Period of up to nine months of an unlimited earnings, and those months don’t have to be consecutive. They can be within the first five years of your disability, after which any month in the next five years, where you make more than the Substantial Gainful Activity amount, you’re no longer entitled to benefits for that month. After those five years end, any month above Substantial Gainful Activity ends your entitlement to ongoing benefits. If you’re self-employed, it’s more complicated than just how much you were earning. Pensions, disability benefits, and other sources of wage replacement, do not affect your benefits. However, workers compensation might. The total of your social security disability and your workers compensation, can’t go over 80% of your past earnings.

By: Lew Insler

Railroad Connection Requirements

Hi. I’m Gabe Hermann and today we are going to speak about whether or not a current connection to the railroad is necessary when filing for railroad retirement benefits. While it is generally required to have a current connection to the railroad, if you work for at least five years and thus accrued at least 60 service credits, you will usually be eligible for some benefits based on railroad service.

Tier Two Benefits

While tier two benefits are not due to a railroad worker until at least 120 service credits have been accrued, the railroad pay is not lost in the period from five to 10 years. Even in cases where someone accrued 60 to 100 service credits, a claim can be filed with the Railroad Retirement Board especially if there is a current connection. Even if there’s no such connection, however, those earnings can be credited to the Social Security system.  If someone has less than five years or 60 service credits and no longer has a service connection, the income received from the Railroad Board is automatically transferred over to the Social Security system and the earnings are credited to Social Security.

Railroad Disability Benefits

On the other hand, if an employee worked for the railroad for at least 12 months in the 30 months immediately proceeding the month of disability, that employee will meet the current connection requirement for a supplemental annuity, occupational disability annuity, or the survivor benefits. Obviously, the rules regarding disability from Social Security and the Railroad Board are quite complex. Contact us. We know how to analyze the interplay between the various programs.

By: Gabe Hermann

Hi. I’m Lew Insler from Insler & Hermann. In this video we’re going to talk about what your attorney will do for you as you retain him to handle your social security disability case. People who receive social security disability are often receiving other benefits, and one of the most important things we do for you, is explain how those benefits relate to each other. You may be getting long-term disability; you may be getting a pension from your employer or from your union. You’re getting Medicare or Medicaid, you may be getting workers compensation. We are well versed and well able to explain the individual benefit relationships that apply to your case. Once your hearing is scheduled, we’re going to meet with you and prepare you for your hearing. We’ll go through the hearing in general, and then case by case, and we’ll talk a little bit about the particular judge that’s handling your case, because we know the judges, and we know the questions that they’re going to be asking you. If there are any expert witnesses at your hearing, we’ll be preparing to cross-examine them based on what we know about your case and your medical records. In addition to being with you at the hearing, getting you ready for the hearing, both before and after the hearing, we may have to file memorandums with the judges.  If we’re not successful at the hearing, we will file an appeal, and we also will determine whether or not a new claim should be filed, sometimes in addition to the claim that we’re appealing, sometimes instead of appealing.

By: Lew Insler