Being exposed to a traumatic event can have long-term ramifications for your mental health. Those who have been involved in a car accident, experienced extreme violence or lived through combat are amongst those individuals who can be severely traumatized and develop post-traumatic stress disorder (PTSD) as a result. PTSD can cause flashbacks, behavioral changes, avoidance, increased startled responses and sleep… The post Recovering disability benefits for PTSD first appeared on The Law Offices of Steven Gaechter ..read more

There are many reasons your claim for Social Security Disability benefits could get denied. Sometimes the reason is simple. Perhaps you did not fill out the paperwork correctly, missed a step in the process or did not provide all the required documents. But sometimes you are denied benefits because there is not enough evidence to prove you are disabled. This… The post What if they don’t believe I am disabled? first appeared on The Law Offices of Steven Gaechter ..read more

Navigating the complexities of Social Security Disability Insurance (SSDI) benefits can be challenging, especially when it comes to understanding retroactive benefits and back pay. In New Jersey, these financial compensations play an important role in supporting qualifying individuals who cannot work due to disability. Retroactive SSDI benefits defined Retroactive SSDI benefits are payments to an individual that can cover the… The post Understanding Retroactive and Backpay for SSDI Benefits in New Jersey first appeared on The Law Offices of Steven Gaechter ..read more

be the lifeline that you need. If you’re successful in securing these benefits, then they can provide you with the financial stability you need while you’re unable to work and need to focus on treating your condition. Unfortunately, many disability claims are denied. Some are denied due to a lack of medical evidence to support the claim, while others are denied because the claimant fails to seek out appropriate medical treatment. Another factor comes into play in many cases that could lead to claim denial or the cessation of benefits: social media use. You need support while you cope with your ..read more

Social Security Disability benefits can provide a financial lifeline in your time of need. While the process of recovering these benefits may seem straightforward, the fact of the matter is that the majority of disability claims are initially denied. You have the ability to appeal a claim denial, but you can increase your chances of successfully recovering the benefits you need at the initial phases of your case by avoiding costly mistakes. What mistakes are commonly made in disability cases? The Social Security Disability claims process is more complicated than many people realize. As a resul ..read more

If you suffer from a debilitating medical condition that renders it impossible for you to work, then you’re probably struggling to get by. That can leave you feeling overwhelmed and stressed about the future. The Social Security Disability system might give you hope, though. If you can secure disability benefits, then you can receive the consistent financial support that you need as you focus on treating your condition and perhaps someday getting back to work. But building your Social Security Disability case isn’t going to be easy. In fact, a lot of initial claims are denied for various reaso ..read more

For those that have not heard of private long-term disability insurance, it serves as a vital safeguard for individuals in New Jersey facing incapacitation due to severe illness or injury. This insurance provides financial support by replacing a portion of the individual’s income during their recovery period. Purpose of LTD insurance The primary aim of private LTD insurance is to ensure financial stability for individuals unable to work due to disability or injury that occurs at work or otherwise. It covers living expenses, medical bills and helps maintain the injured or disabled person’s stan ..read more

When Congress passed the Employee Retirement Security Act of 1974, better known as ERISA, lawmakers intended to set certain minimum standards for private employer-provided health and retirement benefits programs. Today, half a century later, ERISA covers more than 60% of workers who have private health care coverage. In keeping with that goal, the text of the law makes clear that the federal ERISA preempts any conflicting state laws covering the same subject matter. In other words, if courts find ERISA conflicts with a state law, ERISA takes priority. When ERISA doesn’t preempt state law Gener ..read more

Bipolar disorder is a mental health condition often characterized by sudden and sometimes severe shifts in an individual’s mood, energy, and activity. Sufferers of this condition often find themselves having to deal with extreme depressive states that leave them feeling hopeless and joyless, even when participating in activities that they usually love, and they can also experience heightened irritability. These swings can make it nearly impossible to live a normal life, including holding a job. This, in turn, can create extensive financial hardship. Fortunately, if you suffer from bipolar diso ..read more

No one ever expects to become disabled. But it can happen without any notice, and if you’re not prepared, you can face significant financial struggles. That’s why many New Jersey residents turn to private long-term disability and ERISA plans for coverage. These policies can pay out disability benefits that provide you with an income replacement option when you’re no longer able to financially care for yourself. But recovering the benefits you deserve isn’t as easy as it may seem. Even if your disability is obvious and you think it’s clear that you should be paid the benefits you seek, your cla ..read more