Archive for Disability Law Ledger
DB Disability Law Ledgerâ„¢ – February 2010
PTSD Diagnostic Test Unveiled
For veterans suffering from Post-traumatic Stress Disorder (PTSD), obtaining disability benefits always has meant overcoming obstacle after obstacle in order to prove they are disabled by this condition. Â Why? Â Because until very recently, there were no diagnostic tools available to detect PTSD; no empirical evidence to satisfy the VA. However, researchers at [...]
DB Disability Law Ledgerâ„¢ – January 2010
FERS/CSRS Disability Primer
Introduction
Federal Employees and Civil Service Employees who are struggling to work with a serious illness or injury may be entitled to Disability Benefits under the Federal Employee Retirement System (FERS) or the Civil Service Retirement System (CSRS), respectively. Â A Disability Retirement Annuity provides these benefits in addition to the coverage you receive through [...]
DB Disability Ledgerâ„¢ -December 2009
WHEN INSURANCE CARRIER SURVEILLANCE RUNS AMOK
Possibly one of the most well known and intimidating methods used by insurance carriers to “disprove” the legitimacy of disability claims is video surveillance. Â In fact, the image of a “private-eye” type of insurance investigator holed up in a sedan with a camcorder almost has become a cliche. Â And, this [...]
DB Disability Law Ledgerâ„¢ – November 2009
CONTINUATION OF YOUR FERS DISABILITY ANNUITY
Federal employees, here’s something you should be aware of. Â Even after your disability claim has been approved, and after you have been receiving your disability retirement annuity, the Office of Personnel Management (OPM) still may require additional medical reviews from you to determine whether or not you have recovered from [...]
DB Disability Law Ledgerâ„¢ – October 2009
WHAT HAPPENS WHEN YOUR UNPAID LEAVE IS OVER?
In instances where people become ill or are injured and require a long recovery, they often are unaware of how much time is coming to them. Â New York is an at will state, meaning your employer can fire you for any reason except an illegal reason (e.g., because [...]
DB Disability Law Ledgerâ„¢ – September 2009
FERS ISSUE
Postal Employees Are Not Immune To This Recession
The Postal Service’s $2.8 billion loss last year is the subject of many articles and much publicity, and the reason the agency now is offering up to 30,000 postal employees buyouts for voluntary resignation and early retirement. Employees that take this option will receive up to $15,000 [...]
DB Disability Law Ledgerâ„¢ – August 2009
What You Should Know About Business Overhead Policies
According to the U.S. Census Bureau, approximately one in five Americans will experience a disability that prevents them from working for at least six months. 30% of workers between the ages of 35 and 65 will suffer a disability for up to 90 days; and one-fifth of that [...]
DB Disability Law Ledgerâ„¢ – July 2009
VA MEDICAL CENTER BOTCHES TREATMENT OF PROSTATE CANCER PATIENTS
Imagine you have just been diagnosed with prostate cancer. Your doctor prescribes brachytherapy (a fairly common treatment for early stages of the disease). You put your faith in the medical team responsible for your care, go through with the treatment, and later find out that you received [...]
DB Disability Law Ledgerâ„¢ – June 2009
BILL INTRODUCED TO BENEFIT FERS DOMESTIC PARTNERS
On May 20, 2009, a bill was introduced (H.R. 2517) in the House of Representatives to provide benefits to domestic partners of federal employees. These benefits include health insurance, retirement and disability benefits, family, medical and emergency leave, Federal Group life insurance, long-term care insurance, compensation for work injuries, [...]
DB Disability Law Ledgerâ„¢ – May 2009
Individual Disability Policy: Are You Covered?
If you have a professional practice or your are a private business owner, chances are pretty good you have an individual disability policy. When you’re in business for yourself, disability insurance almost is a necessity in order to protect your future, your family’s future and the future of your business.
However, [...]
