How Do Disability Lawyers Work?

If your disability benefits application has been denied by the SSA and you have chosen to appeal, the first thing you should consider is researching the disability attorneys in your area. You should also do research to find a disability attorney in your area even if it is your first time applying.

Once you settle on a particular law firm to work with, you should call their office, and they will conduct an initial review of the case. The lawyer looks at the particulars of your case and the reason for denial before making the decision to represent you.

Disability attorneys typically only accept cases with higher chances of success, so if you donât have a strong case, they might reject it.

Gathering Medical Evidence

To gain access to your medical records for the purpose of gathering evidence, you will be required to sign a medical privacy release allowing your lawyer to do exactly that. The lawyer will also contact your treating doctor to get written statements about your condition. The lawyer might even recommend that you undergo a consultative examination.

Pre-Hearing Meeting

If your initial claim was denied, the lawyer will hold a pre-hearing meeting before your hearing with the Social Security Administration to determine whether your case was wrongfully terminated. During the pre-hearing meeting, your lawyer will go over some of the potential questions that you will be asked. The pre-hearing meeting is also held for people applying for the first time to help familiarize themselves with the process.

Developing Theory for the Case

Prior to the hearing, the lawyer will develop a theory for the reasons for your disability and use this as a strategy for presenting your case in court. The possible theories for the disability include having a condition that meets a disability listing, being unable to perform even sedentary jobs, and being unable to perform your prior jobs.

The lawyer in most disability cases is only paid after you win the case. You will be required to sign a contingency fee stating that the SSA will pay the lawyer if you win the case. The money paid to the lawyer comes out of the back-payment amount. The lawyer is typically paid about 25 percent of the lump sum, up to $6,000.

Filing or appealing a disability claim can be quite challenging especially if you don't know what steps to follow. Fortunately, there are disability lawyers to help you out. Based on the description of what disability attorneys actually do as shown here, you can now see why it is important to hire one to represent you.



The Myths Associated with Medical Bills

Sara

Unpaid medical bills are rising up against people and haunting them daily. Collection agencies are at their best calling everyone to remind them that they still have a debt to pay.

Provided unpaid medical bills impact millions of Americans, it’s important to be aware of how such outstanding debt can impact your credit. Detweiler’s 2012 article also outlines four costly medical bill myths. Here are the takeaways below:

Myth 1:As long as I am making payments on a medical bill, it can’t be sent to collections.

While this can be the case, factors such as the size of your payments as well as payment tardiness can play a role. If your regular payment is merely a tiny percent of your overall debt or your payment arrives a day late, a provider can pass on a bill to collections.

Myth 2:I have to be notified before a medical bill is turned over for collections.

It’s not uncommon for a debtor to first learn that their unpaid medical bill has been turned over to collections by a call or letter from the collection agency itself. By this time, the damage may already be done. Sourced from:http://www.giveforward.com/p/help-with-medical-bills/unpaid-medical-bills

It is important that you pay up these debts because they will affect your credit score. You should also continue paying even with a bad credit score.

Myth #1. If an unpaid medical bill is sent to a collection agency, it won’t affect my credit score the same way that an unpaid credit card bill would.

Fact: Whenever an unpaid debt is sent to a collection agency, it appears on your credit report as a negative item. It doesn’t matter if it’s unpaid credit card debt, an overdue loan payment, or a medical bill that hasn’t been paid in full: your credit score will be impacted the same way.

Myth #5: If I have unpaid medical debt that has already been sent to collections, I probably shouldn’t even pay it if it won’t make much of a difference in my credit score.

Fact: Even if you don’t see a major improvement in your credit score, it’s still important to pay off the debt. Otherwise, you could be sued for the unpaid debt, which can result in a judgment. Not only can this wreak havoc on your credit score, but you may also be subjected to wage garnishment. Sourced from:http://blog.peachtreefinancial.com/medical-expenses/medical-bill-myths/

There are other myths concerning health insurance. Are you confident that that you can manage the escalating healthcare costs? Are you protected in case something happens to you?

Myth #1: “I am as healthy as a horse. It is unlikely that I will get a critical illness in my lifetime.”

True, that would be ideal; however, the statistics show that, in the United States alone, 1 in 3 individuals will contract some form of cancer. The same proportion of men is likely to suffer from a stroke or develop heart disease before the age of 60!

What makes your current health status ideal is that you are eligible for this type of insurance. Do you know when most people want to purchase Critical Illness insurance? When they can’t get it . . .

Myth #2: “I have health insurance through my employer. This medical coverage will take care of me.”

It is true that your medical insurance will pay a portion of your bills; however, the rise in medical costs and increasing deductibles may not fully cover you. Twenty percent of insured Americans, today, struggle to pay their medical bills; will you have the funds available to pay the gap between your medical bills and current healthcare coverage?

Critical Illness insurance is not meant to replace your current medical plan. By supplementing your current healthcare coverage, a critical illness policy can not only assist you in bridging the gap, but provide you with money to pay the additional out-of-pocket expenses associated with a critical illness. Sourced from: http://www.familysecurityplan.com/im-healthy-as-a-horse-breaking-the-myths-associated-with-critical-illness-insurance/