Premium Increases, Liability and Uninsured Motorist Coverage

Premium increases liability and uninsured motorist coverage
When you are injured in an auto accident and someone else is at fault, the law says that person is responsible for paying you for all damages that he or she caused. This means paying your medical bills, damage to your vehicle or its contents, injuries to your passengers, lost income from work, and just about any other verifiable loss.

But what happens if that person has no money—no way to pay for the damages? This is precisely why the law requires drivers to carry minimum liability insurance. This insurance is designed to minimally insure or protect others in the event of an accident. Sadly, 1 out of 8 drivers in the U.S. is uninsured, according to theInsurance Information Institute. South Carolina has a slightly higher rate of uninsured motorists, coming in at roughly 1 in 9.4 drivers. Continue reading

Burn Pit Exposure Linked to Numerous Health Conditions

Burn Pit Exposure Linked to numerous health conditions
Members of the Armed Forces are often deployed to regions of the world where waste disposal is not as advanced as it is in the U.S. For those veterans who were stationed in combat theatres abroad, open burn pits were commonly used to dispose of just about everything from common waste to human feces. Unfortunately, many veterans who experienced burn pit exposure are now suffering from severe health complications—though the extent and severity is somewhat in dispute at this time. The Orange County Register recently reported one veteran calling the problem the “New Agent Orange.” Sadly, theresearch is still ongoing, and answers may still be a long way away for some. Continue reading

Permanent Disability Workers Compensation

Permanent Disability Workers Compensation
When you are injured on the job, you may be entitled to workers’ compensation benefits to cover your lost wages while you are out of work. Unfortunately, in the event of a catastrophic injury, returning to work may not be feasible. When a workplace accident leads to long-term or permanent disability, the employer’s insurance company may offer you a workers’ compensation settlement. However, accepting permanent disability workers’ compensation benefits can impact your eligibility for Social Security disability benefits. Find out what you can expect from workers’ compensation and Social Security disability when you become permanently disabled.

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Decision Ready Claim Initiative – New, Faster Process for Veteran Disability Benefits

Decision on ready claim initiative new faster process for veteran disability benefits
Veterans who are unable to support themselves and their families due to a service-connected disability (an impairment directly related to their military service) can apply for disability benefits payments. The amount of these cash payments depends on your VA disability rating, which measures the severity and permanence of your impairments. Applying fordisability compensation benefits often involves medical exams with multiple doctors, an overwhelming amount of paperwork, and a whole lot of “hurry up and wait.” This process can take quite some time, leaving many disabled veterans waiting for months or years to be approved.

In 2013, the Department of Veterans Affairs introduced the Fully Developed Claim process to address the issue of long wait times. The initiative encouraged applicants to partner with an approved organization to ensure all paperwork was completed and submitted in a timely manner. However, the Fully Developed Claim process only shaved about 11 days off the average wait time of 120 days. Continue reading

How to Win a Disability Reconsideration – Improving Your Application

How to win a disability resonsideration improving your application
If you are unable to work due to disability but your initial application forSocial Security Disability Insurance was denied, you are not alone. Only about one out of four applications for social security disability benefits are approved upon initial review. It can be discouraging to have your application denied, but persistence pays off. Over 95 percent of SSDI claims are eventually approved with the help of an experienced disability attorney. In this article we’ll help you understand how to win a disability reconsideration. Continue reading

SSDI Work Incentives

SSDI Work Incentives
Social Security Disability Insurance is intended for those who are unable to work due to a disability. It often takes time, effort,legal assistance, and some hoop-jumping to get your SSDI application approved. So when your health improves, the choice to return to work (and forfeit disability payments) can be a tough decision. The Social Security Administration offers several SSDI work incentives to entice SSDI beneficiaries to rejoin to the workforce.These programs may be a major factor in weighing your options for returning to work after a disability. Continue reading

VA Disability & Social Security Disability

VA Disability and Social Security Disability
If you are a disabled veteran, you may already know it is possible to qualify for bothveterans’ disability benefits andsocial security disability. The rules and qualifications for each program are unique. You might qualify for one program but not the other, or you may be able to receive payments from both programs concurrently. Disabled veterans are encouraged to apply forall disability programs for which they may qualify.

The Veterans Benefits Administration (VA) is usually the first stop for veterans in need of disability assistance. When you apply for veterans’ disability compensation for your service-connected disability, the VA will assign you a disability rating of 0-100%. Your VA compensation rating affects whether you are entitled to benefits and how much you will receive. When you apply for social security disability, the Social Security Administration will consider your VA compensation rating when making decisions on your application. Continue reading

The Workers’ Compensation Process in South Carolina

The Workers compensation process in south carolnia
When a person is injured on the job in South Carolina, they may be entitled to workers’ compensation benefits. Occasionally, an employer will try to take advantage of an employee’s unfamiliarity with South Carolina’s workers’ compensation system to avoid paying a fair settlement. In cases where a workplace accident results in a person being killed or permanently disabled, it is especially important to consult with an experienced workers’ compensation attorney. Here is an overview of the workers’ compensation process in South Carolina. Continue reading

Changes to Social Security Disability in 2017

Changes to social security disability in 2017
Every year, the Social Security Administration conducts anannual financial review and announces any changes that will go into effect in the next year. These changes often include adjustments to monthly payment amounts and rules for applying and qualifying for benefits. This post includes some significant changes made to Social Security Disability that went into effect the beginning of 2017. Continue reading

Gulf War Syndrome & VA Disability Benefits

Gulf War Syndrome and VA disability benefits
Many veterans are experiencing a number of chronic, medically unexplained symptoms associated with their service in the Gulf War. Those that served in the Southwest Asia theater of military operations from 1990 to the present have shown high rates of long-term health problems. Together, these symptoms and medical conditions are known as Gulf War Syndrome (GWS), Gulf War illnesses (GWI), or chronic multisymptom illness (CMI). The VA prefers to use the term “Medically Unexplained Illnesses.” If you are suffering from Gulf War Syndrome and your condition leaves you unable to work, you may qualify for disability benefits. Continue reading