Elkind & Shea

Quick Contact














Picking on older folks is not just for families and friends anymore. Except, when it is done by disability insurers, the consequences are far more severe. In general, people are not lizards. We degenerate and do not regenerate. For that reason, most disabling conditions become worse as the aging process proceeds. The insurers act as […]

Posted in General Disability Issues | Tagged |

 

Believe it or not, this may the most frequently asked question we hear from clients. The problem is that clients are so focused upon their individually-centered existence that they forget what the insurer is really about: MAKING MONEY. It has very little to do with the particular claimant as opposed to the economic model under […]

Posted in General Disability Issues | Tagged , , , , |

 

In essence, insurers sell “paper,” a promise to pay in the future in exchange for cash now. Insurance is designed to protect against risk, because individuals who buy insurance are financially compensated in case of loss. For protection against loss, individuals pay insurance companies for specific types of risk. Individuals pay premiums to an insurer […]

Posted in Economics, General Disability Issues | Tagged , , , |

 

The disability insurers tend to follow certain denial patterns which reflect their own self interest in not paying benefits. The timing of the disability denial may have definite and serious ramifications. The first set of claim denials occur at a time just prior to the transition from Short Term Disability to Long Term Disability. For […]

Posted in General Disability Issues, Long Term Disability, Private Disability Benefits, Social Security, Social Security Disability Benefits | Tagged , , , , , |

 

There seems to be an unrealistic belief amongst claimants that settlement of their disability claim is available just for the asking. Nothing could be further from the truth. There are some insurers who will not approve disability payment settlements under any condition. They take the position that they will stick by the contract and pay […]

Posted in General Disability Issues, Long Term Disability, Private Disability Benefits, Social Security, Social Security Disability Benefits | Tagged , , , , |

 

Face it. The underlying policies of the Social Security Administration (SSA) are clearly lacking. There are no provisions for person to be only partially disabled or to assist employers in retaining disabled persons working in lesser roles. These deficiencies result in 90% of persons found disabled not returning to work. The failure to promote employment […]

Posted in General Disability Issues, Long Term Disability, Private Disability Benefits, Social Security Disability Benefits | Tagged , , , , , , , |

 

There have been gradual changes in the ERISA law which can affect your case in the worst of ways. The most disconcerting change is many courts refusing to allow subsequent responses to new information submitted by claims administrators with their final appeal of claims. In the parlance used by practitioners such as myself, such behavior […]

Posted in Private Disability Benefits | Tagged , , , , |

 

By Scott B. Elkind, Esq. The Office of the Inspector General (OIG) for the Social Security Administration (SSA) addressed SSA’s anti-fraud training in its Congressional Response Report dated September, 2015. This was a follow-up report to OIG’s original report in 2014 which surveyed SSA’s anti-fraud training initiatives. In 2014, OIG worked with SSA to develop […]

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

 

The Audit Report of the Office of the Inspector General (OIG) for the Social Security Administration (SSA) on September, 2015 addressed the issue of pending overpayment collections. Overpayments occur when SSA improperly pays recipients too much money as a result of errors. Once recognized, these overpayments become debts owed to the government by the improperly […]

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

 

A recent article in the Los Angeles Times (9/25/15) summarized a new report released by the Social Security Technical Panel, a group which periodically analyzes program data and makes recommendations to the Social Security Administration (SSA). This group analyses have undermined the contentions of many conservative commentators who have derided Social Security Disability recipients as […]

Posted in Social Security Disability Benefits | Tagged , , |

 

Privacy Policy & Web Site Disclaimer:
We collect only the personal information you provide to us and we do not distribute it to any third parites. Any legal information offered by Elkind & Shea, The Disability Benefits Law Firm, regarding social security disability benefits, long term disability benefits, short term disability benefits, ERISA, long term care denial and life insurance denial or other legal information offered herein is not formal legal advice nor the formation of an attorney client relationship. All communications with counsel are confidential in accordance with the applicable Rules of Professional Responsibility which require that even consultations without retention are held confidential.