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Re: Injured, off-work prolonged period of time, been wond...


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Posted by T_Bone on May 01, 2009 at 05:54:34 from (4.254.163.220):

In Reply to: Injured, off-work prolonged period of time, been wonderin' posted by dbernie on April 30, 2009 at 18:59:26:

Hi dbernie,

If your talking dealing with the pain, that's a tuff one as there's nothing, including morphine, that will take away the pain.

If you've never been thru the disability system, the below info might help you.

A person has to be disabled for more than 6mths before you can collect for SSA benefits and two years for Medicare but do NOT wait to file the claim as it goes by the filing date, not when ones eligible for benefits, so file early and wait.

Also file immediately for any insurance or "disability retirement" funds as they also go by the date of filing and will NOT "back pay" the claim. You don't have to be complete in your first filing and "unknown at this time" on applications is an acceptable answer in court.

PLEASE, find a legal aid that specializes in disability claims to help you fill out the paper work. The wording response of the claim is critical, in that it will save you time and trouble in the future of an allowed claim or disallowed claim. On disallowed claims, it takes a good attorney to win and is very costly to win, over $100k is common.

Every person you talk too in the medical field will be working for the insurance company's. DON'T ever forget this! You will be video and audio taped without her permission given. You give your permission when you APPLY to receive ANY benefits and it's legal!!!

Always get copies of ALL medical chart notes, starting from day one. The "hidden" chart notes you will never get but they'll sink you like a rock if the person making the medical notes doesn't like the patient.

You will fight all insurance company's, including SSA (SSA is nothing more than a gov't insurance company), until the person is 55yo, so get used to it early on.

Most insurance company's will not bother you for the first 6mths of disability, but after 6mths then you get "new claims adjusters" for the "hard cases", meaning long term disability's and they will make your life pure heII.

T_Bone


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