Bank of America employees work in a variety of roles, ranging from customer service and finance to technology and operations. Whether you’re a teller, loan officer, IT specialist, or involved in management, your job can be physically and emotionally demanding. Unfortunately, illness or injury can happen to anyone, and when it does, long-term disability (LTD) …
Should You Refile For Social Security Disability After A Judge Denies Your Claim?
Receiving a denial of your Social Security Disability claim from an administrative law judge (ALJ) after a hearing can be disheartening. After the long process of gathering evidence, attending a hearing (or multiple hearings), and waiting for a decision, a denial can feel like a major setback. You may be wondering, “Should I resubmit my …
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Navigating AICPA Disability Insurance Claims: A Comprehensive Guide
As a member of the American Institute of Certified Public Accountants (AICPA), you likely have access to a robust disability insurance policy designed to protect your financial well-being in the event of a disability. Navigating the AICPA disability insurance claim process can be daunting, but with the right approach and support, you can successfully secure …
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What It Means When A Social Security Representative Starts A Final Review To Ensure You Still Meet Non-Medical Requirements For Disability Benefits
After months, or even years, of waiting and navigating the intricate Social Security Disability (SSD) claims process, hearing that your claim is under “final review” can bring both relief and apprehension. What does it really mean when the Social Security’s “status” bar finally says “We started step 4 of 5 of the review process. A …
Domino v. Guardian – Guardian Denies LTD Claim Because Claimant Was Not In Active Full-Time Service
Douglas Domino, Sr., a commercial truck driver in Louisiana, filed a lawsuit against Guardian Life Insurance Company after being denied long-term disability benefits. The court upheld Guardian’s decision, agreeing that Domino was not in active full-time service due to an extended medical leave.
Social Security COLA Increases [2025 Update]
COLA is short for Cost-of-Living Adjustment. The Social Security Administration has announced a 2.5 percent cost-of-living adjustment for 2025. This rate increase will apply to the approximately 75 million Americans who receive monthly Social Security disability and Supplemental Security Income (SSI) benefits. For some beneficiaries, the Social Security increase may be partially or totally setoff …
4 Sample Witness Letters for Social Security Disability Claims
People seeking Social Security disability benefits often ask third parties to write letters supporting their disability case. The SSA even provides a form that claimants can use to submit such statements. These letters help paint a fuller picture of your daily struggles and limitations. Sometimes, a well-written letter can help you win your claim. In …
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How Does Social Security Get My Medical Records?
When you apply for Social Security disability benefits, the Social Security Administration (SSA) must review your medical records to determine whether you qualify. Here’s how they get those records: How the Social Security Administration Gets Your Medical Records What Happens If There Are Gaps In Your Records? If the SSA doesn’t have enough information to …
I Worked For The State Of Florida: How Does This Affect My Social Security Disability Benefits?
If you worked for the state of Florida and are considering applying for Social Security Disability Insurance (SSDI) benefits, there are some important factors to be aware of that could affect your eligibility and the benefits you may receive. Public Employees and Social Security Coverage Many public employees in Florida, including those who work for …
Pifer v. Lincoln – Court Remands Disability Claim for Ehlers-Danlos Syndrome
Rebecca Pifer, a former dental analyst for Blue Cross Blue Shield of North Carolina, filed a lawsuit under the Employee Retirement Income Security Act (ERISA) against Lincoln Life Assurance Company of Boston to recover long-term disability benefits. Note: Lincoln Life typically operates under the branded name of Lincoln National. Initially diagnosed with Ehlers-Danlos Syndrome and …
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