Always Review Your File
If your Social Security Disability claim has been denied, you do not have to wait for a hearing, which typically takes close to two years to schedule. You can make an “on the record” (“OTR”) request that your claim be approved based on the information already contained in the file. The OTR summarizes the medical and vocational evidence and then asserts the legal arguments why the application should be approved.
As you may suspect, OTR’s are normally approved only where there is little doubt that the State agency, which makes the initial disability decision, erroneously denied the application. Most of the time, the denial is erroneous for refusing to give adequate weight to evidence from treating sources or for ignoring favorable vocational factors. However, the State agency also makes obvious errors, such as completely overlooking certain evidence or losing evidence, with surprising regularity. Alerting the hearing office to those errors in an OTR is likely to result in the claim being approved.
I received an OTR today that illustrates how a careful review of a file led to a rapid approval. The claimant’s medical evidence was not that strong. In fact, her long time treating doctors refused to complete reports to support the claimant’s application because, like many doctors, they don’t want to get involved in the disability process. The State agency had denied the application based on the report from the “Consultative Examiner (“CE”),” who is essentially the doctor from Social Security. An exacting review of the file however revealed a note from the State agency disability analyst, which to my shock and glee actually stated in writing that the CE report had to rejected because its conclusions were too vague.
The claimant did have one doctor who recently began treating her who supported her claims. Because the disability analyst rejected the CE report, there was no medical evidence to contradict the treating doctor’s opinion. Consequently, although the claimant is only 45 years old, and only has one relatively new treating doctor to support her claim, the claimant’s OTR was approved in two weeks
Vocational Evidence & Credibility
Evidence is divided into objective and subjective evidence. Examples of objective medical evidence are clinical observations and diagnostic tests, while symptoms are subjective. Disability claims are frequently rejected for lack of “objective” medical evidence, or are denied on the grounds that the claimant’s subjective complaints are exaggerated or lack credibility.
Just as it is important to emphasize the objective medical evidence that supports a claim, the objective vocational evidence that supports a claim should also be highlighted. Most claimants overlook how vocational evidence can support their credibility, making it more difficult for their claim to be denied for lack of objective evidence.
One of my client’s disability applications was just approved without ever having been denied. While the claimant had medical evidence supporting his claim, there was no diagnostic testing to support his claims, just clinical records and reports. Nonetheless, the claimant’s application was approved quickly because of the emphasis placed on the vocational evidence.
It is well established in the courts that a claimant with a good work record is entitled to substantial credibility when claiming inability to work because of a disability. The courts have repeatedly held that a claimant’s long and honorable work history justifies the inference that when a claimant stopped working she did so for the reasons testified to. The presumption of credibility is even stronger where a claimant has a long work history of continuous work at the same employer.
My client’s disability application only wanted the claimant’s work history for the last 15 years. However, I stressed the claimant’s extraordinarily strong, continuous (40) forty year work history. I explained how the claimant’s work history provided objective evidence that rendered his subjective complaints credible. Considering the majority of disability claims are denied initially, and my client did not have unusually strong supporting medical evidence, the emphasis on his vocational evidence was critical to his obtaining benefits quickly
Posted by The Law Offices of Jeffrey Delott at 1:28 PM
The More The Merrier
The saying, “The More The Merrier,” is particularly apt when applying for disability benefits. Most disability applications do not require more than one treating source as a prerequisite to receiving benefits. However, as the number of supporting sources increases, so too do the chances of securing disability benefits sooner.
I had a perfect application of the more the merrier saying to a disability claim last Friday. I represent a 46 year old health care attendant with her Social Security Disability (“SSD”) and her Disability Pension Retirement (“DPR”) claims. It took only a few months for her SSD claim to be approved, which should increase the chances of her DPR claim, which was just filed, also being approved. An SSD claim typically takes much longer than just a few months to be approved, particularly for a claimant less than 50 years of age.
My client’s claim was approved quickly because supporting reports from three treating sources were submitted. While the claim could have been approved eventually by relying solely on one of the physicians’ reports, it is highly unlikely that the approval would have occurred after only a few months.
When filing a disability application it is critical to ask as many treating sources as possible to prepare supportive reports, even if the doctors or other health care providers are not treating the primary medical condition. If treating sources will not complete paperwork, which happens fairly frequently for a variety of reasons, then start treating with other health care professionals who will. The sooner multiple treating reports are submitting to support a claim, the sooner the claim is likely to be approved.
- DDS’s Unfair and Unequitable Practices
- DDS Denials Overturned
- Rare OTR
- Compassionate Allowance
- Hearing Loss Approval
- OTRs
- QR Increases on Approvals
- Rare Remand Approval After a Decade
- ALJ Reverses DDS's Denials
- Mental Health Approval
- The Truth about Immigrants and Social Security
- "Let's Get Loud" Series - Mental Health Records
- "Let's Get Loud" Series - Treating Physician Rule
- OTR Efficiency
- "Let's Get Loud" Series - DDS's Laziness
- "Let's Get Loud" Series - ALJ's
- MS Approval
- "Let's Get Loud" Series - State Agency Ineptness
- SSA Slammed
- "Let's Get Loud " Series - Payment Center Delays
- Another Seven Year Saga
- Non-Medical Evidence
- LTD Approvals
- SSA - Is Anyone Listening?
- Fraudulent CE's
- Cost of Living Increase
- Unconscionable Delays by ALJ
- Podiatrists
- CE Boondoggle Continues
- SSA's Total Dysfunction
- Long COVID Approval
- SS Benefits Increase for 2023
- Lack of Funding
- SS Terminology
- Nurse Practitioners
- Treating Source Still Prevails
- Living with Long COVID
- Lupus Anticoagulant
- Consultative Exams
- 45 Days Means 45 Days
- Updating Opinions
- SS Approves Long COVID
- Compassionate Allowance
- SSD and Retirement
- Consistency and Persuasiveness
- Multiple Impairments
- Growing Dire Need
- Multiple Sclerosis
- Treating CE
- Long Covid Financial Duress
- Aid for Long COVID
- Federal Court Remand
- Another Win in Federal Court
- ANS Disorder
- Pain Management
- Alzheimer’s Disease
- Disabling Migraine Headaches
- LTD Buy Outs
- Covid Long Haulers
- Remand for Benefits
- Prostate Cancer
- More Good News?
- SS Commissioner Fired
- COVID Long-Haulers
- SDNY Affirms SSD Win
- Prudential Approval
- Rheumatoid Arthritis
- We Take Care of Our Own?
- Mystery Solved
- More State Agency Deceit
- SSD Hearings
- Some Good News!
- Medical Consultant C. Levit
- COVID19 Impacts SSD
- Prudential Approval
- CDC's Response to COVID19
- Ehlers-Danlos Syndromes
- COVID19 Bill
- Kudos to CALJ Wexler
- COVID19 Repercussions
- Coronavirus
- Getting It Right
- DaTscan
- Adult Disabled Child
- SSD Approved in 1 Week
- State Agency Doctors
- SS Benefits in Danger
- Proposed Changes to SS and Medicare
- 6 Years for Approval
- Exhaustive Hospital Records
- Expert Interrogatories
- Surveillance Report
- SSD Approved in 2 Months
- Unum Pays
- Bipolar Disorder
- “Reserved” to the Commissioner
- SSD Approved in 4 Months
- Videotaping IMA
- Frontal Lobe Syndrome
- Fahr's Syndrome
- Initial SSD Approved
- Inconsistent, But Favorable Decision
- SSD and Working
- U.S.D.J. Azrack Reverses ALJ
- Objective Testing
- U.S.D.J. Amon Reverses ALJ Iwuamadi
- Proposed SS Rule Hurts
- Borderline Age
- The Wait Is Killing Them
- IMA
- Erythromelalgia
- Limbic Encephalitis
- Government Shutdown & SS
- Consussions
- Migraines
- Physician Assistants
- SSA Stay Denied
- Advanced Practice Registered Nurses
- Bipolar Disorder
- SS Benefits Increase
- Dysautonomia
- Young Person Granted OTR
- Earnings After Onset
- Patchogue Obstruction
- Washington Times Article
- Medical Sources
- Lourdes Marasigan
- Lump Sum Settlements
- Partially Favorable Decisions
- No Help for SSD Backlogs
- Fast SSD Approval
- Vocational Experts
- Disability and Medicare
- IMA Disability Services
- NYSLERS & SSD
- Help for SSD Benefits?
- Vocational Expert
- Supporting Records
- Budget Cuts Increase Wait Times
- Support Letters
- SSD For MS
- Misconceptions About SSD Continue
- Patchogue Fails Again
- Myasthenia Gravis
- Lupus
- SSD Delays
- WC Medical Opinions
- Government Targets the Disabled
- Another SSD Myth Busted
- The Truth About SSD
- SS Benefits 101
- Increase in SS Denials
- Best Time to Apply for SS
- Parkinson's Disease
- SSA in Crisis
- SSD Reform Needed
- Applying for SSD Benefits
- Headaches
- Disabling Fibromyalgia
- Garnishing SS Benefits
- Nurse Practioners
- Trump Hurt Disabled Workers
- Expediting Hearing
- Social Security Fraud
- Congress Can End SSD Backlog
- Tips for Retirement Benefits
- Social Security Backlog Continues
- Income and Disability
- ALJ Found Scleroderma Disabling
- More SSD Delays
- ODAR Rumor
- SSD Approval Rates
- National Adjudication Team
- Second Circuit Case
- Prudential LTD Fraud
- District Court Rejects SSA Denial
- Work Record
- Macroprolactinoma
- Jerome Caiati
- Importance of Diagnostic Testing
- SSD Approved In 2 Months
- Unemployment Benefits Do Not Preclude SSD
- ALJ Relies On Disgraced “Medical Expert”
- SSD Approved for Crohn’s Disease
- NYSLERS
- Claimant Credibility and Work History
- NYS OTDA Fraud Update
- SSD Approved in Less Than Months
- Combined Disabling Conditions
- Lymphedema
- Significant Weight Suffices
- Combined Disabling Conditions
- Cancer Claims
- Deceptive Insurance Practices
- Cyclic Vomiting Syndrome
- DDS Continues to Purge Evidence
- Proposed LTD Regulations
- Reliance Approves LTD After Deadline
- Approval for Toll Collector
- The Consequences of SSD Delays
- Acupuncture
- SSA Continues Prejudicial Policy
- Psychotherapy Notes
- Vocational Evidence Determinative
- Treating Doctor Testimony
- IMA Notices
- SSA Delays
- SSA INTENTIONALLY INCREASING DELAYS
- New IMA Fraud & Worse
- Mental Health Records
- CROM Testing
- Padro: Relief too little, too late
- IMA Evading Law Again
- SSD for School Custodian
- 28 Months For Approval
- SSD With No Hearing
- State Agency Analyst Lied
- Social Security Backlog
- Social Security Backlog
- Chronic Fatigue Syndrome Renamed
- Go Figure
- IMA Disability Services
- Sadistic IMA Conduct
- A Padro Success
- Disability for Breast Cancer
- Continuing Disability Review
- CIGNA Reverses LTD Termination
- Disability Hearing Witnesses
- The State Agency Concedes
- Social Security Fraud
- Congress Killing Disability
- Binder & Binder Bankruptcy
- SSD In Less Than A Month
- Hearing Wait Gets Worse
- Internists’ Disability Opinions
- Binder & Binder Goes Bankrupt
- SSA Form 821
- Dementia
- Sensorineural Deafness
- CIGNA Says Claimant Cannot Do Any Work
- Biased SSA Review Policy
- Pseudarthrosis
- Proper Hearing Notice
- Video Taping Consultative Examination
- Antiphospholipid Syndrome
- Non-Hodgkin’s Lymphoma
- SSA Still Not Using eCAT Properly
- Supplemental Hearing Cancelled
- Establishing Mental Disability
- Passive Income
- Langerhans Cell Histiocytosis
- SSD For Landscaper
- Disability Retirement Approved Without A Hearing
- SSD for Cement Truck Driver
- USDC Reverses ALJ Wolfe
- Disability Etiology
- Unum Field Visit
- Disability Benefits for Truck Driver
- Autoimmune Hepatitis
- Establishing Mental Disability
- Unum Reapproval
- Medicaid Disability Determinations
- Patchogue Problems Persist
- Benefits Turned On Vocational Error
- SSA Staff Attorneys
- Disability Benefits While Working
- Scleroderma
- Agoraphobia
- Padro Deadline
- State Agency Reports Misrepresentations
- Amending Onset To Avoid Hearing
- Carpenter Avoids Disability Hearing
- Brugada Syndrome
- Disabling Mitral Valve
- SSA Secret Rule
- The Electronic Claims Analysis Tool (eCAT)
- If You Die Before Benefits Are Approved
- Media Deception
- CIGNA Reverses STD & LTD Decisions
- Disabling Sleep Apnea
- Padro Settlement Agreement A Joke
- Appealing Partially Favorable Decisions
- Social Security in the News
- Hoppenfeld Refused To Comply With Padro
- Social Security Benefit Increase
- Reopening Prior Application
- Wegener's Granulomatosis
- SSA “Quality” Review By QRB
- Dire Need
- Padro Settlement Approved
- Social Security Increase
- Government Shutdown
- Reviewing An Employer’s Work Description
- Podiatrists
- Off Task
- Social Security Reconsideration
- Fully Favorable Decisions
- Operative Reports
- Unusual SSD Approvals
- Risky Side Effects
- ALJ Strauss Claimants
- Unsuccessful Work Attempt
- Unum Pressures Doctors
- Patchogue Continued Ineptitude
- Is Strauss Serious?
- Is It The New Commissioner?
- Padro Class Action Problem
- Padro Class Action Hearing Next Week
- Replace UNUM
- Expediting SSD Hearings
- Court Said IME Doctor Lied
- Continuing Disability Review
- Podiatrists
- Connect The Dots
- Unum Ordered To Produce Witnesses For Depositions
- Social Security Form DDD-3883
- Acceptable Medical Sources
- Petition Regulators About Unum
- Consultative Exam Withdrawn
- Padro Class Action Notices
- Rejecting SSA Remand Offer
- CIGNA Regulatory Settlement
- Polymyositis
- NOSSCR Conference
- SSA Misinformation
- Padro Class Action Settlement
- DDS Actually Listened
- Padro Class Action Update
- Same Day SSD & DI Award
- SSD for Letter Carrier
- Illusory Unum Approval
- Work History & Credibility
- Lupus
- Thank You Judge Irizarry
- Crohn’s’ Disease
- Work History
- Eliminate the SSD Waiting Period
- Urinary Incontinence
- SS Retirement or Disability?
- Ignoring Unreasonable Requests
- Officer Approved in 2 Months
- PADRO Class Action
- Updating Evidence
- SSD & Chiropractors
- SSD Approved In Under 2 Months
- Hypertrophic Cardiomyopathy
- Queens ALJ Bias Plaintiff
- Breast Cancer
- CIGNA LTD Fraud Template
- Unsuccessful Work Attempt
- Why DDS Denies SSD Claimants
- Partially Favorable Onset Appeal
- Treating Physician Rule
- FCE Spurs Unum Approval
- Commendable Action By ALJ
- ERISA Exception
- Importance of Vocational Evidence
- State Agency Exam Notices
- SSD Approved In 3 Months
- Social Security Myth
- Subpoena Leads to SSD Award for Rheumatoid Arthritis
- Another CE Problem
- Appeals Council Remands
- Social Security & The Presidential Election
- SSD Claimants Need To Review Their Efolders
- Firefighter Awarded SSD
- Obesity & Disability
- Videotaping IMA Consultative Examinations
- Biased Hoppenfeld Decision Reversed
- IMA Disability Services
- Carpenter Wins SSD For Wrong Reason
- Padro ALJ Bias Class Action To Be Settled
- Binder & Binder Replaced
- If at first …
- IMA Disability Services
- The Office of Medical and Vocational Expertise
- Newsday Article
- The SSD “12 Month Rule”
- Medical Expert Interrogatories
- Patchogue Ineptitude
- Emphasizing Work History
- Reopening Disability Applications
- What is NY Waiting For?
- When Objective Evidence Isn't Enough
- Disability Benefits For Nurse
- Bench Decision
- Hearing Avoided
- Disability Pension Award From Union
- IMA Exams In New York
- AARP On SSD
- How Much Will Social Security Pay You?
- SSD & Unemployment Benefits
- State Agency-IMA Bad Faith Tactics
- Why Bother With An Exam By IMA?
- Workers Compensation & SSD
- Hoppenfeld Bias
- Veteran Gets SSD for Memorial Day
- Vocational Evidence
- Establishing Mental Disability
- IMA Exam Is Not Required
- Postherpetic Neuralgia
- Multiple Sclerosis
- Disabling AION
- Proof of Birth for SSD
- Corroboration is not Superfluous
- Social Security Listings
- CIGNA CONTINUES ILLEGAL CONDUCT
- Fast SSD Approvals
- Impaired Use of Hands
- Representative Payee
- Onset Appeal
- Amending SSD Onset Date
- State Agency Vocational Experts
- Causation and Social Security Disability Benefits
- Alport Syndrome
- David Nisnewitz Found Unfit To Be ALJ Again
- Reopening SSD Applications
- Another Example of ALJ Fier's Bias
- Physician Specialty
- Medical Source Statements
- Podiatrists and Disability Benefits
- Retaining Social Security Experts
- Transparent Hoppenfeld Bias
- State Agency Disability Analysts
- SSD & WC
- SSA Should Reimburse Travel
- Disability Benefits For Carpenter
- Carpal Tunnel Syndrome
- SSD Approved in Two Months
- Reflex Sympathetic Dystrophy
- Veterans Medical Source Statements
- Disabled by Schizophrenia
- Receiving SSD Benefits and an Income
- Vocational Credibility
- SSD For Police Officer
- Kienbock's Disease
- Patchogue Incompetence
- Binder and Binder
- Appeals Council Doltishness
- NYCERS Disability Pension
- Can You Receive SSD If You Have Income?
- Rheumatoid Arthritis
- Multiple Impairments
- Adverse Evidence
- Cerebrovascular Accident & SSD
- Was A Video Hearing Needed?
- NOSSCR Conference
- SSD Approved in 2 Weeks
- SSD Approved In 2 Months
- Disability and Diabetes
- Social Security Benefit Increase
- Vocational Experts
- IMA Consultative Examinations
- Hoppenfeld & The Rotation Policy
- Alzheimer’s
- Federal Court Reassigns Nisnewitz Case
- Approval After Federal Court Remand
- Abusive Hoppenfeld Conduct
- Rheumatoid Arthritis
- SSD Overpayments
- LTD Approved In Less Than A Month
- Maximizing Disability Benefits
- Mixed Connective Tissue Disease
- When To Amend The Disability Onset Date
- Right To Cross Examine Post Hearing Experts
- Commissioner’s Statement Is Offensive
- Gilding the Lily
- SSD Approved in 2.5 Months
- When to File for SSD
- Disability & Incontinence
- Hoppenfeld Fibromyalgia Bias
- On The Record Requests
- LTD Approved In Two Months
- Work History
- Relocating While Disabled
- Carpal Tunnel Syndrome
- Getting Disability Benefits Quickly
- SSD Approved in 3 Months
- SSD Approved In Two Months
- SSD & WC Offset
- Disability Analysts
- Federal Court Decision
- Social Security Depravity
- Depression and Anxiety
- Fully Favorable Appeals Council Order
- Erythema Multiform Major
- SSD in Three Months
- Lincoln Life Pays LTD Benefits
- Acquiring Work Skills
- Court Rejects CIGNA LTD Termination
- Disability Benefits & Substance Abuse
- Endometriosis
- SSD Approved In 2 Months
- Raising The Retirement Age
- No More Paper Checks
- Treating Doctors
- SSA Prehearing
- Disability Redefined
- Consultative Examinations
- Evidence of Hoppenfeld Bias
- ALJ Nisnewitz Rejected Again
- ALJ Bias Class Action
- Working And SSD
- ALJ Bias In Queens
- Federal Court Decision
- ALJ Strauss Rejected Again
- Seven Year Wait Over
- Lyme Disease
- ALJ Strauss Reversed Again
- Remand To A New ALJ
- “Secret” Child’s Benefits
- Unfair CIGNA Tactics Detailed
- LTD Policy Offsets
- Partially Favorable Decisions
- SSD While Working
- Expediting Disability Benefits
- Multiple sclerosis
- Date Last Insured
- Radiculopathy
- Videoconference Hearings
- Expediting Disability Benefits
- Patchogue Incompetence
- Federal Court Decision
- Union Disability Approved
- SSA Notice of Awards
- SSA Doctors
- Protective Filing Date
- SSA Delays
- On The Record Requests
- Dialysis & Disability
- Disability Opinions & Medical Tests
- LTD and SSD
- CIGNA Sued For Surveillance
- Attorney Advisors
- Social Security Doctors
- Unum Reverses Termination
- Electronic Records Express
- Multiple Impairments
- Income Doesn't Bar Disability Benefits
- Celiac Disease
- Proving Disabling Pain
- EAJA Fees
- IMA Disability Services
- Self Employment
- Medical Listing Opinions
- Treatment Records
- Avoiding SSD Hearings
- Federal Court Remand
- The MTA & SSD
- When Work Doesn’t Count
- Gastroparesis
- Sjogren's Syndrome
- Benefits After A Federal Court Remand
- Firefighter Gets SSD Benefits
- Prudential Approved LTD, For Now
- Chronic Fatigue Syndrome
- Getting Benefits While Working
- EAJA Fees
- Stroke
- New Jersey District Court Remand
- District Court Remand
- ALJ Hoppenfeld Overtly Acts Biased
- Veterans
- NYCERS & SSD
- Medical Evidence and Functionality
- Deceptive SSA Notices
- Onset Date
- Queens ALJs
- When Can You File For SSD Benefits?
- Parkinson’s Disease
- Consultative Exam (“CE”) Ruled Improper
- EAJA Fees
- Consultative Examinations
- New Office
- Complaining About Biased ALJs
- IMA Disability Services
- Multiple Impairments
- NYCERS
- Primary Care Physicians
- Social Security Rulings
- Anxiety
- Fibromyalgia
- Retrospective Medical Opinion
- Disability For Federal Employees
- The Grids
- Chronic Fatigue Syndrome
- Adult Disabled Children
- Charcot-Marie-Tooth
- Depression and Anxiety
- RSD/CRPS
- Getting SSD Even If You Can Work
- Health Insurance For Children
- Health Insurance For Children
- Settling With CIGNA
- Avoiding An Improper Consultative Exam
- Multiple Sclerosis
- Protective Filing Dates
- SSD Delays
- Reopening Past SSD Denial
- ALJ Strauss’ Reliance On ME Cohen’s Testimony Proves She Is Biased
- Listed Impairments
- Multiple Medical Sources
- Attorney Advisors
- Avoiding Consultative Examinations
- Atypical Parkinson’s
- Chondromalacia
- Subpoena The SSA Doctor
- Prudential Reverses Fibromyalgia STD & LTD Denial
- ALJ Nisenewitz: Stupid or Biased?
- LTD & Health Insurance
- Courts Rules CIGNA Is Biased
- SSD & Taxes
- ALJ Hoppenfeld Must Be Barred From FMS Cases
- Don’t Believe Everything You Read
- On The Record Request
- Avoiding SSD Remand Hearing
- NYCERS Disability Retirement
- Submitting Medical Records
- CIGNA Ordered To Pay For Its Actions
- Oops, CIGNA’s Done It Again
- Hearing Office Attorneys
- Hearing Notice
- Appeals Council Rebukes ALJ Fier
- Unsuccessful Work Attempts
- Medical Assessments
- Disability & Downsizing
- Consultative Examinations
- Obama Disability Benefit
- Court Blasts CIGNA LTD Benefit Termination
- Obama and Social Security Benefits
- “Fully Favorable” Decisions
- SSD Secret
- Notice of Dismissal
- Initial SSA Decisions
- Appeals Council Scolds ALJ
- Unum Cases In New York
- Medical Evidence
- Prior Applications
- Disability is Functionality
- Medical Records & Reports
- Social Security Files
- Applicaiton Filing Date
- Representing Yourself
- Disabled Voters
- Vertigo
- Multiple Impairments
- Myasthenia Gravis
- More Is Better
- Disability Benefits & Work
- SSA Medical Reports
- Negotiating Disability Benefits
- Consultative Examinations
- GMA Exposes CIGNA
- Work History
- Onset and Application Dates
- Supreme Court Helps LTD Claimants
- Expediting SSD Cases
- Two Heads Are Better Than One
- LTD Litigation
- Retrospective Medical Opinions
- Establishing An Onset Date
- Field Visit
- Multiple Attorneys
- Self Employment
- Special Accommodations
- Multiple Disability Benefits
- Clarifying Objective Evidence
- “Fully Favorable” Decisions
- Treating Sources
- SSD & Mental Disability
- Using Vocational Evidence To Expedite Benefits
- Attorney Adjudicator
- Past Earnings
- Benefits Without A Hearing
- Irrelevant Medical Conditions
- Establishing Credibility
- Medical Updates
- No Health Insurance
- Application Dates
- Possible Delay Remedy
- Unum Reassessment Loophole
- Benefits Despite Income
- Consultative Examinations
- “Accentuate The Positive, Eliminate The Negative”
- Dire Need
- How To Avoid Hearing Delays
- Police Disability
- Seminar
- Expediting LTD Benefits
- Uveitis
- TBI and Vocational Evidence
- Failure To Receive Notice
- Mental Disorders
- Inability To Speak English
- Discovery In ERISA Cases
- Don’t Be Intimidated By DDS
- Multiple Sclerosis
- Avoiding Hearings
- Working Does Not Preclude Benefits
- Be Wary of Forms
- Exam Secrets
- SSD for Firefighter
- Consultative Examinations
- Purpose of SSD Hearing
- Why Wait?
- Insurance Department Complaint
- Overreach For Disability Retirement
- Vertigo
- No Objective Testing Required for Chronic Fatigue
- Non-binding Disability Decision
- Always Check The Listings
- LTD & SSD
- Avoid Early Retirement
- Getting Benefits Faster
- Medical Records & Reports
- Corroborating Physicians
- Unemployment Benefits
- Miano v. Barnhart
- Benefits Despite Working
- Work History Credibility
- Reflex Sympathetic Dystrophy
- Arthritis Foundation


