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Claimants Over 55 Years of Age

Claimants Over 55 Years of Age

The Social Security Administration acknowledges a basic precept of the human condition: the older we get, the harder it is for us to perform certain types of work and re-adapt to the requirements of a new job. In fact, Social Security Disability law provides different guidelines for different age groups. As a general rule, the older you are, the more likely you are to get Social Security Disability Benefits.

At Ramos Law we win more for you, because we put our heart into it! We are particularly sympathetic to applicants who are forced to start over […]

2020-12-04T03:02:46+00:00

Lump Sum Policy Buyouts

Lump Sum Policy Buyouts

When a disability insurance company pays monthly benefits to an insured individual, it is losing money. One strategy used by these companies to cut losses is to buy out the insured individual’s disability policy in return for a one-time lump sum amount.

Reasons to consider a lump sum policy buyout

If you have been receiving long term disability benefits, you might want the security of knowing that benefits will not be taken away further down the line by an arbitrary decision of the insurance company. Individuals, who have had a bad experience with their insurance carrier and don’t want […]

2020-12-04T03:34:57+00:00

How Social Security Decides Your Claim

How Social Security Decides Your Claim

To decide whether you are disabled, the Social Security Administration uses a step-by-step process involving five questions. They are:

1. Are you working?

If you are working in 2012 and your earnings average more than $1,010 a month, you generally cannot be considered disabled. If you are not working, the SSA moves to Step 2.

2. Is your condition “severe”?

Your condition must interfere with basic work-related activities for your claim to be considered. If it does not, the SSA will find that you are not disabled. If your condition does interfere with basic work-related activities, the SSA then […]

2020-12-04T03:03:09+00:00

Long Term Disability Appeal Checklist

Long Term Disability Appeal Checklist

Connecticut Long Term Disability Attorney Iván A. Ramos offers a checklist of things to do before you file a Long Term Disability Appeal. Attorney Ramos understands that this is a difficult time for you and knows that preparing a complex appeal is the last thing on your mind when you are trying to cope with a serious medical condition. For this reason, when he works on a case, he does not charge any legal fees until the insurance company issues the payments that you are entitled to. As part of his services, he prepares the initial […]

2020-12-04T03:37:48+00:00

What to expect at your Social Security Disability Hearing

What to expect at your Social Security Disability Hearing

Many of our clients get nervous when they find out that they have to appear at a Social Security Disability Hearing. For this reason, shortly before the hearing, we like to take some time to prepare them and explain what will happen during this process. We believe that, the better prepared our clients are, the more likely it is that they are going to win their case. Here a brief discussion of some of the things that we tell our clients in preparation for a hearing.

First, it is important to keep in […]

2020-12-04T03:03:20+00:00

It’s Not Just An Appeal Letter

It’s Not Just An Appeal Letter

Applicants whose Long Term Disability Benefits have been denied often believe that all that they have to do is “just file a letter” in order to successfully appeal their claim. This erroneous notion is probably fostered by the way that insurance companies handle the process. Usually, the denial letter states something like: “If you disagree, you have 180 days to appeal our decision and tell us why.” Unfortunately, claimants are unaware that appeals submitted with a simple one or two page letter are in all likelihood going to be denied. In addition, claimants are unaware […]

2020-12-04T03:37:31+00:00

How To Get Your LTD Policy? Why is it Important?

How To Get Your LTD Policy? Why is it Important?

A Long-term disability (LTD) policy covers you for the partial or complete loss of income in the event that you are unable to work due to injury or illness. As the name suggests, this coverage provides benefits to replace a percentage of your lost wages. Anyone considering applying for LTD benefits should request an actual copy of their policy.

You can obtain an LTD policy from your employer by writing a letter to the human resources department. You should specifically ask for a copy of the long term disability plan and the […]

2020-12-04T03:38:53+00:00

How to Deal With Surveillance From the Insurance Company

How to Deal With Surveillance From the Insurance Company

Disability insurance companies use surveillance as a tactic to investigate and deny claims. This practice is, for the most part, just an intimidation tactic. In the overwhelming majority of cases, video surveillance is useless in determining whether a person is disabled or not. A single moment of footage does not establish whether a person is able to work. Unfortunately, there isn’t much that law can do to stop insurance companies from sneaking around and spying on you. With some insurance companies such as Liberty Mutual and The Hartford, surveillance is guaranteed to […]

2020-12-04T03:39:33+00:00

No win, No fee- Our Services are Completely Affordable

Connecticut Personal Injury Lawyer Iván Ramos knows that recovering from an accident can be very difficult. Injury victims need to recover physically, emotionally and financially. This is why we only charge our clients if we are able to win compensation for their injuries. If we win, our office gets paid out of the settlement or the monetary award issued in your case.
Let us do the work and concentrate in getting well

As Connecticut Personal Injury Attorneys we try to take as much as stress as possible away from our clients during the recovery period immediately after the accident. This why, we […]

2015-04-10T22:52:14+00:00
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