Employers with 20 or more employees are required to provide COBRA.

You must have been enrolled in your employer’s health plan at the time you leave your job.

COBRA allows former employees and their dependents to keep the group health coverage for 18 months after employment ends.

If it is determined that you are disabled by the Social Security Administration, there is an additional 11-month extension.

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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Sharon Barrett, former Social Security Administration attorney who now practices in the Tampa Bay area, prepares for a disability hearing by obtaining and reviewing a copy of your Social Security Disability file.

This includes paperwork that has been generated by the Social Security Administration and Disability Determination Services on your behalf. This can include your initial claim form, forms that others filled out about you, including the doctors.

It is not uncommon for the Social Security Administration to have your file reviewed by a doctor who will determine you medical restrictions and limitations.

Sharon will make sure that your complete medical records are obtained and that your physician has the ability to comment on what your true restriction and limitations are based on your evaluation and treatment of you.

Additionally, Social Security Disability benefits denied lawyer Sharon Barrett, will help you prepare for the Social Security Disability hearing.

She will make sure that your medical records are current, review with you the questions that you will most likely be asked by the Social Security Administrative Law Judge or her, and prepare you to appear in front of the Administrative Law Judge.

Sharon Barrett will give every Social Security Disability applicant a sense of confidence as they go through the Social Security Disability claim’s process.

Sharon’s experience as a former Social Security Administration attorney in the Tampa Bay area provides her with a unique insight.

If you have any questions or would like more information contact us at www.caveylaw.com or give us a call at 727-894-3188.

If you would like more information about your rights regarding Social Security Disability Benefits, you can order our FREE book,"Your Rights to Social Security Disability Benefits" by submitting the form in the sidebar. We will send it out immediately along with other important information.

For more information about Social Security Disability Benefits, visit our law firm web site at CaveyLaw.com. If you would like to speak with one of our Social Security Disability Benefits attorneys about your case, feel free to call us anytime at (727) 897-9117 or simply submit our contact form and we will get back to you quickly.

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One of the 5 hurdles you must meet to be paid Social Security Disability is what is called the Substantial Gainful Actvity (SGA) test.

If you can’t meet this hurdle, the evaluative process stops and the Social Security Administration (SSA) will find that you are not disabled.

What is Substantial Gainful Activity? If you are working and earning $900.00 gross per month, SSA will find that you are not disabled… no matter how impaired you are.

The work must be both substantial and gainful. Substantial work activity involves work that requires “signficant physical or mental activities” 20 C.F.R. 404.1572(a). If you can’t do ordinary or simple tasks without more supervision or assistance usually given to other people doing the same type of work or the work involves minimal duties that make little or no demand, the work won’t be considered substantial.

Gainful work is determined by looking at your earnings. If you make more than $900.00 gross per month you will not meet the earnings test.

The work is evaluated without regard to legality so that even illegal activity, such as selling stolen goods, may be substantial gainful activity.

SSA looks very closely at SGA when the person applying for disability is self-employed as they want to make sure the work the self-employed person is doing is not substantial and gainful.

When SSA raises the SGA hurdle, we always contact your employer to determine the true facts behind your employment.

If you would like more information or if you have any questions give us a call at 727-894-3188 or contact us at www.caveylaw.com.

If you would like more information about your rights regarding Social Security Disability Benefits, you can order our FREE book,"Your Rights to Social Security Disability Benefits" by submitting the form in the sidebar. We will send it out immediately along with other important information.

For more information about Social Security Disability Benefits, visit our law firm web site at CaveyLaw.com. If you would like to speak with one of our Social Security Disability Benefits attorneys about your case, feel free to call us anytime at (727) 897-9117 or simply submit our contact form and we will get back to you quickly.

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Spinal Stenosis involves the narrowing of lumbar or cervical spine which causes a painful compression of the nerve roots.

Symptoms include back pain that spreads to the legs, difficulty, imbalance or weakness when walking, leg and neck pain and numbness and pain in the buttocks, thighs or calves that worsens with standing, walking.

Spinal stenosis affects middle age to elderly people and can be caused by osteoarthritis, Paget’s disease or my an injury that causes pressure on the nerve roots or the spinal cord.

You may entitled to Social Security Disability benefits as a result of Spinal Stenosis for more information about your rights to Social Security Disability benefits or for your free no obligation guide to “Your Rights to Social Security Disability Benefits,” call 727-894-3188 or visit our website at www.caveylaw.com.

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