If you have healthcare insurance through your employer, we at Cavey & Barrett suggest that you use those days before resigning. Any part of the premium you have to pay for your health insurance will continue to be deducted from your paycheck.

This will allow you to keep health insurance coverage at your employer’s expense until you are terminated.

If you have any more questions feel free to contact us at www.caveylaw.com or call us at 727-894-3188.

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There are only three circumstances in which you might be able to get a fast hearing on your Social Security Disability claim. To get an expedited hearing you must show:

1. That you are 55 years or older. The claim is more easily decided by a Social Security Administrative law judge if you are older than 55 because under the Social Security rules you fall into the less restricted disability category. Sharon Barrett, an experienced Social Security Disability attorney, practicing in Florida may file a request for expedited hearing once her clients reach the age the of 55.
2. If you are at critical risk of death because emergency life saving surgery can’t be performed, you may be able to get an expedited hearing. However, you are going to need a letter from your doctor explaining the medical urgency which necessitates an expedited hearing.
3. You received a notice of eviction, foreclosure or acceleration of mortgage payments. That might also a ground for asking for an expedited hearing.

There really are no guarantees that any of these three situations will result in the Social Security Administration scheduling an expedited hearing. You must understand that despite the most compelling circumstances, the Social Security Administration does not always grant requests for expedited hearings.

If you have any questions about whether your personal circumstances might entitle you to an early Social Security Disability hearing, contact Social Security benefits denied attorney Sharon Barrett at www.caveylaw.com or by calling us at 727-894-3188.

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You may have paid for both short and long-term disability insurance coverage. Typically there is a two-week waiting period before short-term disability starts, during which no benefits are paid.

The length of the short-term disability plan varies and is generally coordinated with a waiting period for a long-term disability.

Long-term disability plans can have waiting periods from 60 to 70 days. Ninety days is common.

However, even if you have private short or long-term disability coverage, it won’t cover the cost of your health insurance premiums.

Some employers do provide a type of health insurance coverage for employees on disability and you should research this before you terminate your employment.

If you have any questions feel free to contact us at www.caveylaw.com or call us at 727-894-3188.

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One of the most important issues for a person who has been diagnosed with a permanent or long-term medical condition that makes it impossible for him or her to work is to make sure that he or she has health coverage after he or she has quit working.

Unfortunately, many employees will quit their jobs without understanding their rights to continue group health coverage and leave themselves and their families vulnerable.

If you leave your job because of disability, you have two options to continue your health insurance. The first is COBRA coverage through your former employer, or private health coverage until you become eligible for Medicare coverage as a result of receiving Social Security Disability benefits.

A person who is entitled to Social Security Disability benefits becomes eligible for Medicare 24 months after his date of entitlement to cash benefits, as determined by the Social Security Administration.

If you have any questions feel free to contact us at www.caveylaw.com or give us a call at 727-894-3188.

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COBRA coverage provides the same coverage you had while you were employed with your employer. Unfortunately, it’s at a higher cost because you are responsible for the entire cost of your health insurance premium plus an administrative fee.

Private health insurance at the same level of coverage you had while employed is even more expensive than COBRA coverage.

You should take control of your healthcare situation before you terminate your employment. Many employees, however, are reluctant to speak with their employers about a disability because they are afraid they’ll be fired. Remember, it’s illegal to fire someone for a disability. Even if your disability prevents you or stops you from working, your employer benefits package is a critical resource in continuing your medical care coverage after you have stopped working.

If you would like to learn more feel free to contact us at www.caveylaw.com or call us at 727-894-3188.

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