The post How Florida Veterans Can Use VA Disability Ratings To Strengthen SSDI Claims appeared first on CJ Henry Law Firm, PLLC..
]]>The Social Security Administration and the Department of Veterans Affairs apply fundamentally different disability standards. The VA assigns disability ratings based on service-connected conditions using a percentage system, while Social Security applies an all-or-nothing standard focused on whether a claimant can engage in substantial gainful activity. A 100% VA rating does not automatically qualify a veteran for SSDI, and a lower VA rating does not prevent approval.
Although VA ratings are not binding on Social Security, the SSA is required to consider them as evidence. A VA rating reflects a federal agency’s medical evaluation of impairments and limitations. The most important aspect for an SSDI claim is not the rating percentage itself, but the medical evidence underlying that rating.
VA examination reports, treatment records, and functional assessments documenting specific limitations, such as reduced mobility, cognitive impairment, or mental health symptoms affecting concentration and social functioning, can be highly persuasive when evaluating a veteran’s ability to work.
VA Compensation and Pension examination reports are among the most valuable pieces of evidence because they contain detailed, structured evaluations of functional limitations. These examinations often include objective findings, symptom severity, and explanations of how conditions affect daily activities, which closely align with Social Security’s focus on work capacity.
Ongoing VA treatment records are also critical, as they demonstrate that impairments are chronic and require continuous care. Mental health records related to PTSD, depression, and anxiety are particularly influential when they document how symptoms interfere with concentration, persistence, social interaction, or stress tolerance.
Medical opinions from VA providers, completed disability benefits questionnaires, and VA vocational rehabilitation determinations concluding that employment is not feasible can further strengthen an SSDI claim. All relevant VA documentation must be submitted directly to Social Security rather than relying on the rating decision alone.
Veterans must translate their VA-rated conditions into specific, work-related functional limitations. A service-connected back injury should be described in terms of its effect on sitting, standing, walking, lifting, and bending over the course of a full workday. Mental health conditions such as PTSD should be explained in terms of how symptoms like hypervigilance, anxiety, avoidance behaviors, or impaired concentration disrupt consistent workplace functioning.
Detailed statements describing daily limitations, symptom flare-ups, and unreliable functioning are essential. If pain requires frequent position changes or mental health symptoms would result in missed work or difficulty interacting with others, those limitations should be clearly documented. Functional capacity evaluations completed by VA providers can be especially effective when they address work-related restrictions.
Veterans should ensure that all VA medical records, C&P examinations, and rating decisions are submitted to the SSA, along with records from any private providers treating VA-rated conditions, to present a complete and accurate picture of their inability to sustain full-time employment.\
One of the most common mistakes is assuming that a high VA disability rating automatically establishes eligibility for SSDI. As a result, some veterans submit minimal medical evidence to Social Security, believing the rating alone is sufficient. Social Security makes an independent determination and requires comprehensive medical documentation, not just a VA rating letter.
Another frequent error is failing to clearly explain how specific impairments prevent work. A combined VA rating may involve multiple conditions with different functional impacts, but unless those impacts are clearly tied to work limitations, the SSA may overlook their significance. Veterans also sometimes rely on outdated evidence, such as older C&P examinations, rather than providing current medical records that reflect their present condition.
Additionally, focusing solely on service-connected impairments can be limiting. Social Security considers all medical conditions, regardless of service connection, and disability is often established based on the combined effect of multiple impairments.
I represented a veteran with a 70% VA disability rating for PTSD, a back injury, and knee impairments whose initial SSDI application was denied. The SSA concluded he could perform sedentary work and gave little weight to his VA rating, focusing primarily on his physical limitations while minimizing his mental health symptoms.
The case changed once we obtained his complete VA file, including detailed C&P examination reports that had not been part of the original Social Security record. A VA psychiatric evaluation thoroughly documented severe PTSD symptoms, including social anxiety, hypervigilance, impaired concentration, and anger issues that had caused workplace conflicts. The examiner explicitly noted that these symptoms would interfere with sustained employment. We also submitted VA vocational rehabilitation records showing that he had been found unemployable within that program.
At the hearing, we systematically presented the VA evidence to demonstrate how the documented mental and physical limitations, when considered together, prevented sustained work activity. The administrative law judge relied heavily on the VA psychiatric evaluation in issuing a fully favorable decision, noting that such a detailed functional assessment from a qualified VA examiner could not be disregarded.
For more information on VA disability SSDI in Florida, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (352) 204-8479 today.
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]]>The post Lupus And Autoimmune Conditions In ERISA And SSDI Claims: Explaining Flare-Ups appeared first on CJ Henry Law Firm, PLLC..
]]>Doctors often have a hard time diagnosing autoimmune diseases for a number of reasons, which in turn makes it easier for insurance companies to challenge such claims.
For one, there is rarely any specific test to show whether you have a certain autoimmune disease, which means doctors must diagnose the condition based on symptoms. The symptoms of many autoimmune conditions overlap significantly, with different diseases presenting similarly, and some symptoms — such as muscle aches — appearing across many other illnesses as well.
Autoimmune conditions are also inconsistent in their impact on the body and a claimant’s ability to function in an employment context, making them poorly suited to the Social Security Administration’s standard metrics for determining disability.
During a flare-up, your symptoms may get severe for a shorter or longer period of time. Later on, you may have a remission, which means that your symptoms get better or disappear for a period of time.
Documenting the frequency and duration of each flare will help establish whether you can really work or whether you should qualify for disability benefits.
While they are complicated and poorly understood, many autoimmune conditions are, fortunately, widely studied and discussed. This means we can look to medical journals and literature to find evidence to support whatever symptoms you are dealing with, including the unpredictability of flare-ups.
Indeed, it is well documented in the literature that individuals with these conditions have periods when they are symptomatic, and other times when they may look perfectly fine. This also occasionally appears in surveillance, where insurance companies monitor you to verify the validity of your disability.
If they happen to do so when you are not going through a flare, the situation will look very different compared to when you are laid up in bed for two or three days during a flare.
Therefore, it is essential to utilize scientific and medical literature to explain both, in conjunction with your personal medical records.
The most effective and persuasive records you can present are those that speak directly to your symptoms and how they relate to the diagnosis. Since there is no specific test to show whether or not you have a given autoimmune condition, and many symptoms are shared by multiple diseases and other conditions, it is vital that your records connect the diagnosis to the symptoms you are experiencing.
For example, if you are suffering from fibromyalgia, you should be able to show medical records demonstrating the requisite tender points that are common under this condition. If you are unsure whether your current records and evidence suffice, you should speak with an experienced disability lawyer to review them or determine what you are still missing.
For all the reasons already discussed, autoimmune condition-based disability claims tend to get denied with tragic frequency, which means there is a strong likelihood you will need to make an appeal. And an appeal may be your last chance, so it is crucial to have strong evidence and a compelling case.
One of the things that can help during the appeals process is to document your symptoms by keeping a diary or a symptom log. Doing so not only helps demonstrate the symptoms that you are having, but also their frequency and duration.
The reason such evidence is so important is that it helps us to establish whether or not you are able to work. If you are having symptoms for three days a week, lasting four hours at a time, that prevents you from being able to work during that time period. It likely means that you are, for all intents and purposes, unemployable and thus eligible for disability benefits.
For more information on lupus and other autoimmune condition disability benefits in Florida, an initial consultation with an attorney is the best step you can take. Get the information and legal answers you are seeking by calling (352) 204-8479 today.
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]]>The post Sleep Disorders And Disability In Florida: How They Affect Your SSDI Claim appeared first on CJ Henry Law Firm, PLLC..
]]>The SSA evaluates sleep disorders like insomnia, sleep apnea, and narcolepsy by examining how these conditions affect your Residual Functional Capacity (RFC). Your RFC represents your ability to perform work-related tasks on a consistent basis.
Unfortunately, sleep disorders are not listed impairments in the SSA’s Blue Book, but they can still be considered disabling if they significantly impair cognitive function, concentration, memory, or physical stamina. This is established using the SSA’s five-step sequential evaluation to determine eligibility, considering medical evidence, work history, and the severity of symptoms.
Proving this impairment is vital and may require more work than many more obvious conditions. But with the help of a skilled disability attorney, it is certainly possible.
The most persuasive evidence of sleep-related disorders and the impairment they cause includes:
Following American Academy of Sleep Medicine (AASM) guidelines strengthens your credibility, and having a disability lawyer review and present your claim may also increase your chances of a favorable outcome.
Yes, the SSA policy explicitly states that side effects of medications, such as fatigue, confusion, dizziness, or gastrointestinal issues, must also be considered when evaluating functional limitations. These side effects can be treated as symptoms that contribute to your disability.
It is therefore crucial that you report all such side effects to your doctor and ensure that they are documented in medical records, as the SSA relies heavily on objective evidence when making decisions on disability claims.
Frequent errors you should be sure to avoid when making your disability claim in Florida, especially for sleep disorders, include:
To avoid a denial of your claim and benefits, you should maintain detailed, consistent records and follow all medical advice.
If your disability benefits claim is denied, you MUST file an appeal! Doing so involves submitting one of the required forms (e.g., SSA Form 561 – Request for Reconsideration or SSA Form 3441 – Disability Report – Appeal), preferably with the help of an attorney.
There are required deadlines to appeal a decision, and you need to make sure you meet them, or you may lose your chance and have to start over. Remember that the payment of benefits is based on application dates, so if you make a new application instead of an appeal, you will lose out on potential past benefits.
One of the worst parts of having a sleep disorder is getting other people to understand and respect it; yet this task becomes even more important when your financial independence and health depend on it. Fortunately, the SSA recognizes Chronic Fatigue Syndrome (CFS) as a medically determinable impairment when supported by clinical signs and lab findings.
To explain its impact, you will have to describe how fatigue limits your mental capabilities, such as your concentration, memory, and stamina. Try to provide examples of daily limitations, such as needing frequent naps or being unable to complete tasks.
Use medical records to show key symptoms like non-restorative sleep, post-exertional malaise, and cognitive dysfunction. Be sure to always include co-occurring conditions like depression or fibromyalgia as well if applicable.
Judges look for objective evidence and functional limitations, not just a diagnosis, so it is important to back up your experiences with concrete details and formal evidence. A skilled disability lawyer will help you collect and present this evidence to maximize the strength of your claim.
For more information on sleep disorders and SSDI claims in Florida, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (352) 204-8479 today.
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]]>The post Top 5 Myths About Disability Benefits In Florida Debunked appeared first on CJ Henry Law Firm, PLLC..
]]>While not every first-time claim is rejected, the majority of first-time claims do get denied. It generally depends on the nature of the disability and your age. Various factors contribute to the determination, but overall, it seems that a majority of first-time claimants get denied.
If you are disabled and cannot perform the duties of your occupation, you should first discuss your medical condition and physical limitations with your doctor. If your doctor suggests you go on disability, there’s no point in waiting for your condition to get progressively worse.
If you have a newly diagnosed condition, it may improve over time. You should still go through the recommended treatment modalities and the treatment plan to see whether you recover. Apart from this scenario, there’s no benefit to waiting to apply for Social Security disability, as it can take a very long time for a determination to be made.
Currently, the average wait time in Florida for an initial determination is over a year. By that time, you’d know whether your condition had progressed. You can always withdraw your claim if you get better, but delaying the claim to see if you get better would not be beneficial.
No, an employer will not ask you about your SSDI application. You can feel free to apply for any number of jobs and job categories in the future without worrying about any impact from applying for SSDI.
Part of the Social Security disability process includes your age, and there are different factors SSA considers based on your age. The closer you are to retirement age, it’s easier but not guaranteed to get disability benefits versus a younger individual with the same medical condition.
This is untrue, as not all disabilities are apparent. You can’t necessarily look at an individual and see depression, and there are silent medical conditions. You may have an autoimmune disease and not appear to be disabled, but this condition can still significantly impact your ability to function.
For more information on Florida disability benefit myths and truths, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (352) 204-8479 today.
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]]>The post How To Find The Best Disability Attorney In Marion County, FL appeared first on CJ Henry Law Firm, PLLC..
]]>If your case involves long-term disability insurance and involves considerable risk, make sure your attorney is well-versed in the risk of law. Make sure that your attorney is approachable, and take into consideration what other people say about him or her.
Look for detailed client reviews that speak to the attorney’s competence, professionalism, and ability to communicate.
Attorneys who guarantee you a win, pressure you to hire them, or have numerous poor reviews should be avoided. While a handful of negative reviews is common to most attorneys, a lawyer with a large number of poor reviews, complaints against them, or bar association issues should be avoided.
Some attorneys will list their experience and the cases they have handled on their website. Look for information indicating that they handle cases similar to yours regularly. Check for the mention of successful outcomes in similar cases and check for positive client testimonials.
Websites like Google and Avvo can be valuable places to seek out helpful attorney reviews. Also, check to see if the prospective lawyer is enrolled in professional organizations, such as the National Organization of Social Security Claimants’ Representatives (NOSSCR). All of these can be strong indicators that an attorney is a good fit for your case.
When you hire a local attorney, as opposed to an attorney from another county, this lawyer will have greater familiarity with local administrative law judges and physicians. This can help them better prepare you for your hearing and put you in touch with the best local specialists and physicians for your case, condition, and the benefits you’re seeking.
Compassion is key to being able to help, represent, and speak for people effectively. When your attorney is compassionate, they can better understand and relate to your situation, be more caring in their interactions with you, and speak more effectively about your disability and its impacts on your life and well-being.
An ideal attorney will have a skillful balance of compassion and professionalism. Your attorney should listen actively, acknowledge your concerns, and use their professional skills to help solve your problems.
For more information on Working With A Disability Lawyer In Marion County, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (352) 204-8479 today.
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]]>The post How Social Media Can Jeopardize Your Disability Claim In Florida appeared first on CJ Henry Law Firm, PLLC..
]]>Evidence from social media can be admissible and is often seen in Social Security files. Often, the Insurance company will have reams of pages from social media accounts in the claim file. The court will definitely look at your social media history, especially in an ERISA Long-Term Disability Insurance Claim.
The insurance company will look at your social media history to see how physically active you are. Are your activities inconsistent with what you claim you can do?
I had a client who posted about trying to raise funds for an animal non-profit. Insurance company was looking to see if she engaged in activities outside of her disability because she claimed she was fatigued, couldn’t focus or concentrate due to autoimmune problems. They discovered she was raising funds for an activity of interest. This served as part of their reasoning for terminating her claim.
The insurance company will look to see if there are postings of you on a cruise, a vacation, hiking or performing various activities. In terms of the claim, those kinds of posts can be harmful, especially if you’re claiming you can’t do these types of activities or they conflict with the restrictions and limitations assigned by your provider.
Insurance companies can monitor social media from the onset of the claim and after. In fact, insurance companies can monitor your special media activity at any time. They can also conduct online searches for your activities. I have a client now who was asked by the insurance company about an old business she had that they discovered online. Fortunately, she had documents showing the company was dissolved and no longer active.
If the posts are innocuous, you can explain the context. Example, the picture was taken two or three years ago. Also, just because you engaged in an activity once doesn’t mean you’re doing it all the time, despite what the insurance company claims.
You may put on a good face to go to a family gathering because everyone’s complaining that you never show up at anything anymore. At the party, someone captures a photo where you’re smiling. That doesn’t necessarily prove you go to parties all the time or that you’re always smiling.
Sometimes, it’s a matter of educating the court on the issue. If we know ahead of time that certain posts are going to come up, we can get your doctors to explain why you’re able to engage in a particular activity and why it wouldn’t impact the integrity of your claim.
For more information on the impact of social media on your disability claim Florida, a free initial consultation is your next best step. Get the information and legal answers you are seeking by calling (352) 204-8479 today.
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]]>The post How To Prepare For A Disability Hearing In Florida: A Step-By-Step Guide For Residents Of Marion County appeared first on CJ Henry Law Firm, PLLC..
]]>Here in Florida, it generally takes an average of six to seven months from the filing of your appeal request to the scheduling of your hearing.
Dress neatly and be tidy and clean. While you don’t need to wear a suit, you should be sure to dress in a way that is respectful of the court. Avoid very casual garments such as sleeveless tops or clothing that is ripped.
You will need a valid, state or government-issued photo ID to enter the facility, and you should also bring a copy of your notice of hearing.
There are no set questions or list of questions that every judge will ask. Some judges will conduct lengthy interviews, while others will allow your attorney to develop the evidence and ask the majority of questions.
However, the judge will still want to know about your prior jobs, why you stopped working, what you can no longer do, and how you spend a typical day.
You will not be cross-examined by the judge at your hearing; you are not on trial. Simply answer each question as honestly and truthfully as possible. If you don’t understand a question, you can ask the judge to repeat it or to phrase it in a different way.
If you have requested the hearing, you will have to answer any questions directly. While your lawyer can make arguments on your behalf, questions from the judge will have to be answered by you.
Do not embellish your testimony. Your credibility is key, and if the judge finds that you are not believable or suspects that you are exaggerating, they will disregard your testimony.
You should also avoid focusing too much on your prior job; don’t over-emphasize the specific former tasks you can no longer perform. Your disability case is about your inability to perform any job, not just your former job. Simply focus on your physical and mental abilities and how they impact you.
The judge will use this information, along with your medical records and past work experience, to determine if you can perform any occupation or not.
For more information on Disability Appeals Hearings In Florida, a free initial consultation is your next best step. Get the information and legal answers you are seeking by calling (352) 204-8479 today.
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]]>The post Top 5 Reasons Your Social Security Disability Claim Was Denied appeared first on CJ Henry Law Firm, PLLC..
]]>Social Security will look into your “substantial gainful activity”, meaning earnings derived from activity that requires you to significantly perform mentally or physically.
For 2025, the monthly substantial gainful amount limit is set to $1,620 per month for nonblind individuals. If you are earning at or above this dollar amount, Social Security will deny your disability claim.
If you are not being treated by a doctor or other medical specialist for your disabling condition, you will not have any medical evidence that supports your claims of having a disability. It is best to establish treatment, even if it’s with a free clinic, to help document your medical condition and its impact on your functioning.
When Social Security contacts you, it means that they need to know something or are missing key information. If Social Security sends you a notification to contact them and you or your attorney fail to do so, they will simply decide your claim with the information available to them, which often leads to denial. Always respond to Social Security communications promptly and then provide any information that they request.
It is not your condition or specific illness that determines whether you’re disabled; instead, it’s the impact of your condition on your ability to perform work activities. For example, you may have a back injury but still be able to work at a desk job. However, that same back injury might make it impossible for you to continue working at a job that requires heavy manual labor.
Any condition could potentially lead to a disability, depending on how it impacts you and your ability to continue working.
It is common for people to fail to list all of their disabling medical conditions. For example, say you have a back injury but also suffer from depression and hypertension. If you list only your back injury as a disabling medical condition, you are not giving the whole picture of your health.
A back condition on its own may not be disabling, but when combined with severe depression and hypertension, it may result in an inability to perform work activities. The more comprehensive you are in listing your medical conditions, the better.
To receive Social Security Disability benefits, you must first be insured under the Social Security program. Most people don’t realize that Social Security is an insurance program. You earn coverage based on the years that you have worked and paid into the program. To be fully insured, you must have earned 10 years of work credit or one quarter of a year of work credit for each year after age 21 to the age of your disability.
Additionally, you must generally show 20 quarters (of five years) of work in the 10 years leading up to when you stop working, though this rule is different for those under the age of 31.
Still Have Questions? Ready To Get Started?
For more information on What Happens When Your Social Security Disability Claim Is Denied, a free initial consultation is your next best step. Get the information and legal answers you are seeking by calling (352) 204-8479 today.
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]]>The post Have Planned Staff Reductions At The Social Security Administration Left You Worried About The Future Of Your Disability Claim? appeared first on CJ Henry Law Firm, PLLC..
]]>Applying for Social Security Disability is a fraught, complex and time-consuming process. In the end, you’re facing a substantial likelihood of denial. You may already have heard that almost 70% of Social Security Disability applications are denied at the outset. If your claim is strong and you make it to the hearing level, your odds improve a little: you have a 46% chance of success. That doesn’t mean you shouldn’t have hope.
What does SSA Disability approval take? Success depends on the meticulous preparation of your case. Your medical records, witness statements and other evidence must be well-documented and thoroughly organized to prevail. Success also takes patience. According to the SSA website, initial processing of your application will take at least 200 to 230 days. If your claim works its way through the system, it could take at least two years to conclude.
Maybe you’ve already wrapped your brain around those realities. However, you may be newly discouraged by recent news that the Social Security Administration is preparing to cut jobs significantly as part of the Trump administration’s call to downsize the federal workforce. The shifting landscape of federal programs and how they’ll function going forward has many people understandably nervous about the future.
Concerning the SSA’s plans to cut jobs:
On February 28, 2025, the Social Security Administration (SSA) announced it will eliminate 7,000 jobs. This decision was in response to the Trump administration’s executive order calling for a downsizing of the entire federal workforce. Doing away with 7,000 jobs will slim the current SSA employee roster from 57,000 to 50,000.
In addition to these cuts, the SSA also communicated its intention to reduce its number of regional offices from ten to four. This reduction is happening at a time when, as a union spokesperson for Social Security employees told NPR,10,000 beneficiaries are being added to SSA’s rolls daily.
In its news release, the SSA shared “plans to reduce the size of its bloated workforce and organizational structure, with a significant focus on functions and employees who do not directly provide mission-critical services.” Staffing at SSA is already at a 50-year historical low. However, SSA assured Americans that the reorganization would “prioritize customer service” and that SSA was “committed to ensur[ing] this plan has a positive effect on the delivery of Social Security services.”
The impending layoffs are also intended to address alleged fraud at the SSA. This, coupled with SSA’s other historical problems – slow response times to claims, outdated data management and system security and backlogs in record keeping – create a tense atmosphere for both SSA Disability recipients and applicants.
Much about the job eliminations at SSA is still unknown. The federal government has already been quick to course-correct and reverse some of its decisions regarding the federal work reduction. The outcome of this strategy is uncertain. It remains to be seen how many people will ultimately be laid off, if any employees will be called back or whether service levels and quality of service at SSA will improve or decline.
Currently, no one can predict the impact of workforce reduction at the Social Security Administration. Whether claims will be processed more quickly or slowly following the “reorganization” is unknown. What do we know? A successful SSDI claim is still a matter of thorough preparation and organization.
Given the complexity of the application and the extensive documentation required, your best course of action is to have an experienced Social Security Disability lawyer guide you through the process. While there are never any guarantees you’ll win your claim, having a skilled and knowledgeable representative greatly improves your chances.
Claudeth Henry can help with every step of your disability claim: preparing your application, gathering and organizing compelling evidence, preparing you to testify for your hearing and more. She has dealt with the SSA for years, knows the system, and has successfully adapted to its many administrative changes. You can trust her to stay up-to-date with the impact of layoffs and anticipate their effect on your application.
Filing an SSDI claim is a long, challenging journey. Give yourself the best chance of winning by teaming up with a respected disability advocate. Contact Claudeth Henry today for a free consultation and guidance for pursuing your SSDI claim.
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]]>The post Understanding Long-Term Disability Settlements appeared first on CJ Henry Law Firm, PLLC..
]]>In a negotiated settlement, you give up rights to future payment of benefits in exchange for a certain sum of money.
What Is A Lump Sum Settlement For A Long-Term Disability Claim?
A lump sum settlement is a fixed payment of benefits to resolve your claim in its entirety.
What Factors Do Insurance Companies Consider When Calculating Lump Sum Offers?
There are a number of factors that insurance companies consider when calculating lump sum offers, including:
How Do I Know If The Insurance Company Is Giving Me A Fair Disability Settlement Offer?
It can be tricky to be sure whether an insurance company is giving you a fair disability settlement offer. This is a particularly difficult question to answer because so many factors play into it.
Not only should you consider the amount of benefits that would be owed if you continue to be disabled through the maximum benefit period, but you are also looking at other medical conditions you might have that may lessen your life expectancy. There are also other factors such as the treatment you are receiving, the lack of treatment you are receiving, and the risk that you run of losing your claim.
Overall, you will not know if an insurance company is giving a fair offer without having an ERISA disability claims lawyer on your side who knows all the details of your unique situation.
If you consult with us, we will evaluate every factor of your case. Then, we can inform you as to whether or not you have a fair or reasonable settlement before you.
What Is The Goal Of A Settlement Negotiation?
The goal of settlement negotiations is to maximize your potential recovery and eliminate your potential risk of losing.
Settlement involves an inevitable trade-off. By accepting an offer, you give up the possibility of future benefits but you also avoid the risk of losing or getting nothing in exchange for the certainty of a lesser settlement.
How Long Do I Have To Respond To The Insurance Company’s Disability Settlement Offer?
Most carriers will give you a reasonable time to consult with an attorney or a tax advisor as needed before the offer is withdrawn. The timeline will usually be within their offer letter.
What Factors Need To Be Considered By A Disability Insurance Claimant Before Entering Into Negotiations With A Long Term Disability Insurance Company?
As a professional settlement attorney, I advise my clients to consider all the advantages and disadvantages of both settling and going to trial.
If you don’t settle a case, but win at trial, you will receive back benefits and reinstatement of benefits in the future until the insurance company decides that you are no longer entitled to those benefits.
However, you cannot recover the future value of the benefits — you can only win the right to future benefits if you continue to qualify as disabled.
If there are other reasons to remain on long term benefits, then remaining on benefits may be your best choice. However, if all you get from being on long term benefits is the long term benefit itself, you should weigh the pros and cons of trial with an experienced attorney.
For more information on Long Term Disability Settlement Negotiations, a free consultation is your next best step. Get the information and legal answers you are seeking by calling (352) 204-8479 today.
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