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What To Do If Your Disability Case is Denied
by: Carla Ballatan
Some American working class citizen come to the point in their lives when they find out that they become disabled due to a physical impairment/illness and can no longer perform on their present jobs or cannot hold down any kind of jobs anymore. To compensate for the income loss, they will go to file for disability insurance claims under the programs of Social Security – Social Security Disability Insurance and Supplemental Security Income.

Initially, after filing for the disability insurance claims, they believe for a while that everything will go smoothly for them. Alas, when they first applied for the Social Security Disability Benefits, very few claimants were ever told how long the process of eventually securing their claims might take. That’s because of an unfortunate fact, that 60-70% of claims for disability are denied at the initial level. During reconsideration level, even more are denied, up to 80-85%. Because of this, processing for social security disability benefits may take up to 2 ½ years.

If you’re one of the many who filed for disability benefits claims and have received that first notification letter from the Social Security Administration (SSA) that your case is denied, don’t panic! Also, since we also given you the statistics of social security disability claims being denied, realize this reality and do not doubt the strength of your case or the severity of your impairments. Nor do you hesitate to file for appeal for this is necessary. Don’t fall into the trend of not appealing your claim or file a brand new claim!

So, now that your claim was denied, what do you do, now? Don’t wait out idly, request for an appeal immediately! There is a 60-day deadline, time enough for you to file the appeal. The appeal to ask for is a request for reconsideration and you have to go about this yourself, personally even if you have a representation. This is simply to have the appeal request “officially” on record at the SSA office where you filed your initial claim.

What will happen if you fail to file for appeal within the 60 day period? The answer to this is that you have lost all your appeal rights and will start over at the very beginning – with a new Social Security Disability or SSI application, which is unfortunate for you because, first you could have the best chance of winning a claim and being awarded benefits if you had gone through the social security disability appeals process. Second point, filing another appeal entirely is a waste of valuable time. Subsequent applications will likely be denied for the same reasons as the first application.

So, don’t wait out forever feeling sorry for yourself once your case is denied! Contact the social security office and your attorney or non-attorney representative immediately to avoid missing an appeal deadline.



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All About Claims

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 Insurance Claims
 by: Alan Jason Smith

When you are involved in an accident insurance claims may not be the first thoughts on your mind. However, there are some procedures you should follow in order to preserve your right to file an insurance claim. This may be anything from hail damage to a stolen vehicle and does not refer solely to car accidents.

The first thing you want to do is prevention. Most insurance claims can be prevented even before the incident occurs. For instance, to prevent auto accident’s be cautious and think about taking a defensive driving course. To prevent stolen vehicle insurance claims, keep you vehicle locked up and parked in a secure place. To prevent damage from the forces of nature do not travel in bad weather and keep your car in a covered parkway. There are many ways to prevent yourself from incurring loss. Most ideas are just common sense. However, for more information contact your insurance agent for ideas on prevention. Next, you will want to remain calm. When disaster strikes people react. That is our nature. However, sometimes people’s reactions can make things worse on their insurance claims.

If you’re in a car accident this might mean taking the blame, leaving the scene of an accident, or putting your self in danger. If you’re car is stolen you may act on your reaction by accusing innocent persons. There are a number of problems that can arise when people over react that is why it is essential to your insurance claim for you to remain calm.

Now, the next thing you need to be aware of is time. You see, time is not on your side when filing an insurance claim. The longer you wait the less your chances are of recovering your loss. Most insurance companies will not even consider a claim if it was turned in a certain amount of time after the incident. It is also harder to prove the longer you go before submitting an insurance claim.

Finally, you will want to follow procedures and document everything. Insurance companies are hit with frauds all the time. In order to weed out the actual claims from the fraudulent ones, they have to have clear cut procedures. Unfortunately, this can sometimes be confusing to actual victims. Yet, they are in place out of the need to protect the company. This means that you will have to educate yourself to what the policies are. Find out what documentation you need and what forms you will have to file. If you need help, contact your insurance agent. That is what they are there for. If you follow this advice, you should be able to file a claim relatively easy and with the least amount of lag time before payment.


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