Medicinal Marijuana: How the Debate Affects You and Your Disability Claim

The pros and cons of medical marijuana use are a major area of contention in the alternative medicine communities and are beginning to appear on the radar of mainstream politics as well.  In fact, the very mention of the topic seems to cause controversy and raise strong feelings.  Whatever your beliefs, the use of medical marijuana is a topic that deserves examination.

As new studies have shown, medical marijuana may have a place and time in the treatment of many different ailments.  This is not an opinion shared by all medical experts.  There are increasing debates raging in the medical community about the usefulness and effectiveness of many different iterations of  the substance, from smoking the plant to eating marijuana reductions and taking synthetically produced THC medications as Marinol.  We have had several clients who have gotten good results and advocated the use of medical marijuana as well as clients who have questions about how the medication may affect their diseases and the corresponding effect on their disability claims.  Today I’m going to look at several facets of the argument and let you and your doctor decide on the proper course of treatment for your condition. Continue reading

Getting Back to Work After a Disability

This month, we celebrate the 22nd birthday of the ADA, the Americans with Disabilities Act, so I’d like to talk about some of the many resources and support groups our clients have used when going back to work after a period of disability.  Most people have a negative impression of disability insurance, both public and private, creating a stigma which mislabels many disabled individuals as lazy or slackers.  Based on our clients, these stereotypes couldn’t be further from the truth.  Most of the claimants we work with would jump at the chance to return to productive, rewarding work and forget all about their disability claim along with the burdens they have to bear.  The Social Security Administration, along with several private organizations, have created multiple programs to help individuals transition from disability to recover their ability to be gainfully employed. Continue reading

Ensuring Your Disability Benefits After a Stroke

As one of the leading causes of long term disability, insureds who have suffered a stroke are some of our most common clients.  Almost 75 percent of individuals who experience a stroke suffer lasting symptoms that reduce their work capabilities.  Between 15 and 30 percent of individuals who have suffered a stroke become permanently disabled, experiencing impairments such as paralysis, sensory disturbances, language issues, memory problems, and emotional disturbances.  Survivors who unfortunately experience these symptoms are often unable to continue in their profession, or any profession, and then face having to file a claim for disability insurance benefits.  As we have seen time and time again, this is where new problems begin.   Continue reading

Does the Affordable Care Act Affect Your Disability Insurance?

With last week’s Supreme Court ruling confirming the constitutionality of the Patient Protection and Affordable Care Act (PPACA), informally referred to as Obamacare, it’s now time to start looking forward to the parts of PPACA that have not yet taken effect and analyze the repercussions.  While it may not directly affect the disability insurance market, the PPACA will affect every individual currently receiving benefits.  Health insurance is an important part of physical and financial well-being, and the PPACA dramatically changes how we view health insurance in this country.  In the opinion of our firm, the PPACA helps most individuals, especially those people who are experiencing substantial medical problems in their lives.  Today I am going to break down the PPACA into its 10 Titles and touch on how each title may affect disabled individuals and specifically how they relate to disability insurance claims.  Continue reading