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For those individuals who were fortunate to save enough money so as to no need Social Security Retirement benefits immediately upon reaching age 62, the rules for maximizing your benefits have changed.  There were two strategies routinely utilized for this purpose which have been eliminated by Congress so as to conserve funds in the Social […]

Posted in Benefits, Retirement, Social Security | Tagged , , , , |


By Scott B. Elkind, Esq. More often than not, people seeking disability benefits do not prepare their claims adequately. This is reflected in the high percentage of claims denied at the initial application level whether the claim is made to a private insurer, state retirement board, or the Social Security Administration. Before filing for disability, […]

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By Scott B. Elkind, Esq. The Wall Street Journal recently published an article by a conservative think tank guru named Andrew G. Biggs. He instantly criticized the 2016 budget proposal as “the opposite of reform.” Let’s step back a second and review this unique inane statement. Budget proposals are what they are. These are proposed […]

Posted in General Disability Issues | Tagged , , |


By Scott B. Elkind, Esq. Disability insurers focus on the issue of return to work in order to gain an advantage over claimants. The first way the issue of return to work is used is the “return to work estimate” requested from a treatment provider. This will be requested on an ordinary inquiry form and […]

Posted in Long Term Disability | Tagged , , , , |


By Scott B. Elkind, Esq. Nearly all long term disability policies include a “Rehabilitation Plan” provision. A “Rehabilitation Plan” is a written agreement between the claimant and the disability insurer in which the disability insurer agrees to provide, arrange or authorize vocational or physical rehabilitation services. The disability insurer promises to undertake a physical or […]

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By Scott B. Elkind, Esq. Many persons receiving long term disability benefits will be contacted by their insurers to encourage beneficiaries to apply for Social Security Disability and utilizing the company’s Social Security Disability vendor.  Some insurers will state that the representation will be done at no cost to the claimant.  There are several important […]

Posted in Long Term Disability | Tagged , , , , , , , , |


When you have been in this business as long as someone like me, you would think you have seen it all. Then, the insurers will amaze you at what new machinations they will attempt to screw over their insureds. The following is only a partial list of the more offensive tactics employed in the past […]

Posted in General Disability Issues | Tagged , , |


By Scott B. Elkind, Esq. Very few persons expect to become disabled or receive much advanced warning. Therefore, claimants have precious little time to prepare for the economic ramifications that come with their newly disabled status. As hope springs eternal, most people keep trying to get better, often to no avail as their economic status […]

Posted in Long Term Disability | Tagged , , , , , |


By Scott B. Elkind, Esq. Most disability benefit claims are denied initially. The common reaction by most claimants is a mixture of anger and frustration. Your disability seems perfectly obvious to you. You live with it everyday. How can this situation not be equally as obvious to the Social Security Administration or a disability insurer? […]

Posted in Private Disability Benefits | Tagged , , , |


There are several types of disability benefits available depending on an individual’s circumstances. The best known are Social Security disability benefits. Social Security Disability (SSD) benefits are available to workers who have paid into the Social Security system through payroll deductions. In order to qualify for SSD benefits, a worker must have paid a minimum […]

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