Social Security Disability
Disability under Social Security for an adult is based on your inability to work because of a medical condition. To be considered disabled:
- You must be unable to do any work you did within the previous 15 years and Social Security Administration or Administratvie Law Judge will decide that you cannot adjust to other work because of a medical condition.
- Your disability must last or be expected to last for at least one year or to result in death.
For adults, we use a five-step evaluation process to decide whether you are disabled under Social Security. The process considers any current work activity you are doing, and your medical condition and how it affects your ability to work.
Auto InjuriesOur firm represents clients who have suffered personal injuries or property damage in automobile, motorcycle or truck accidents. We are a full service firm with experienced personnel who know how to maximize your recovery from the insurance company you are dealing with.
Some of the claims that you may be able to make include:
- Claims against an uninsured driver
- Claims for serious injuries
- Claims for medical expenses caused by a car accident
- Claims for loss of income
- Claims for pedestrians involved in car accidents
Personal InjuriesPersonal injury cases occur when someone has acted "negligently", and that negligence causes someone to be injured. Most personal injury cases are the result of automobile accidents, premises liability cases, work related injury, or a dangerous product/service of some sort. Your injury may cause lost income, medical bills, lost earning capacity, pain & suffering, mental anguish, loss of companionship, among other issues.
Many people don’t realize that the insurance company who represents the wrongdoer doesn’t jump forward to pay these out of pocket expenses. The insurance company will usually not pay a dime of the expenses without obtaining a full release first. This puts the injured person at a disadvantage because they don’t know if they will need future care, or how much that future care will cost.
Estate Planning and ProbateEstate Planning is a process involving the counsel of professional advisors who are familiar with your goals and concerns, your assets and how they are owned, and your family structure. It can involve the services of a variety of professionals, including your lawyer, accountant, financial planner, life insurance advisor, banker and broker.
At death, your will goes through probate. Probate simply means the process by which your last will is determined to be your final dispositive statement and which confirms the appointment of the person or institution you have named to administer your estate. The term probate is also used in the larger sense of probating your estate. In this sense, probate means the process by which assets are gathered, applied to pay debts, taxes and expenses of administration, and distributed to those designated as beneficiaries in the will. The executor or personal representative named in the will is in charge of this process, and probate provides an orderly method for administration of the estate. The executor is held accountable by the beneficiaries (and sometimes is supervised formally by a probate court). The executor is entitled to a reasonable fee or commission. Probate law generally encourages or provides for partial distribution during the period of administration; assets may generally be distributed in kind rather than sold during this time. The tax laws generally focus the responsibility for death tax filings and payments on the executor under a will. Thus, the choice of an executor is an important one.
Death ClaimsApart from fraud in the inception of the policy, or fraud by substitution, the most common ground life insurers use to deny claims is that there was a "material misrepresentation" in connection with the insurance.
The material misrepresentation may occur in the original application for the insurance or in an amendment to the application or in an application for reinstatement for Individual or Group Life cases, or in an application for late enrollment in a Group case.
A material misrepresentation sufficient to deny a claim can not be just any misstatement. (For example, if you said you had green eyes but the company would say they are hazel, that would NOT be material.) Under many states' laws, a material misstatement is one that if fully and truthfully disclosed would have led to a refusal by the insurer to issue the policy, at least on the terms and conditions it issued the policy.
While a material misrepresentation can be made about almost anything the application seeks to uncover, such as the applicant's occupation, employment history, age, income, other insurance in force, prior applications for insurance, insurance claims made, cigarette smoking or tobacco usage (and other slow suicide attempts), driving record or tickets, drinking, hobbies, piloting or flying in non-commercial aircraft, etc, the most commonly charged misrepresentations involve an applicant's state of health and medical history.
- Divorce - Modification - Child Support
- CPS Cases
- Misdemeanors and Felony
- Traffic Citations
- Termination of Probation
- Real Estate
- Deceptive Trade Practices
- Defective Vehicles
Wrongful Death ClaimsDeath as a result of anothers negligence
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