|
Minute #5
Minute
#35
^^^^^^^^^^^ To Navigate Transcript |
Brian Therrien: I want to introduce Larry Kolbaska on for the show. Brian Therrien:
Good afternoon. You know, I
just want to give a little background information, Larry, to the crowd about
who you are and what you do. It’s
an interesting story. Larry Kolbaska
has been in the financial field for 20 years and we started talking
about this project maybe what, Larry, three months or so ago, I’d say? Larry:
Yeah, thereabouts. Three or
four months ago. Brian Therrien:
Somewhere around there. Larry
had a slip and fall accident in ’05 on some black ice, which, you know, we
get a lot of that in Vermont, here, and you mangled up your left arm pretty
bad and you paralysed for like six months, right? Larry:
That’s correct. Brian Therrien:
And you were introduced to a product called O24 and your mother had
kind of enlightened you to this, some mothers are always right I guess, huh,
and this was a pain relief suggestion that your mom had.
A safe way to kind of relieve your pain.
Actually, your mom had used it, right? Larry:
That’s correct. She
suffers from severe arthritis and also is a breast cancer survivor. Brian Therrien:
Um-hum. So, it’s
interesting what happened. I had
followed the O24 story for, since I got in this business, about two years ago,
and watched them progress and always tried to do something with them and
commonly recommended it and then they kind of went away and then, actually,
Mary, introduced me to you, Larry, and learned that, you know, your story that
you were a user and not able to get hold of O24 in the states.
And here’s a product that actually was the fibromyalgia product of
the year like two years ago or something.
So, somehow you were able to contact the inventor, right, back in
’07, Richard Weiss is the gentleman’s name? Larry:
That’s correct. Richard. Brian Therrien:
Yeah. Weiss.
Did I pronounce that right? Larry:
Yes, you did. Brian Therrien:
Okay. So, and you somehow
formed a distribution arrangement with him and now you’re not just, how’s
that saying go, you’re not just a member, a user, the old hair club thing,
you’re running a business. So,
this is really interesting. So,
O24 is a natural product that has been proven for years to naturally eliminate
pain. When I met the folks at O24,
the story that I remember, Larry, is that this originated...the original
formula was used in Scandinavia on hockey players, right?
After they go out and play a game, they get all banged up and they
needed to eliminate their pain and it’s since been progressed.
So, I’m anxious to get an overview from you.
What can you share with our audience.
I’m sure we’ve got people out here that are grabbing onto the
phones that are in pain and more that join our website every day, so,
they’re going to be delighted to hear from you. Larry:
Well, thank you Brian and for everybody here.
My name is Larry Kolbaska and I am the President of Swiss Medica US,
zone o24.com, and our company is...was founded by a German bioscientist.
It’s a revolutionary formula, O24.
It’s made from seven healing botanicals that are found in nature.
It’s made to neutralize pain and restore balance within the body.
The product was originally developed in cooperation with healthcare
professionals, psychotherapists, massage therapists, and also professional
athletes. It’s combined some of
the essential oils derived from the finest source of botanicals from around
the world and it’s a patented process. It’s
a patented bonding process for the first time that allows the essential oils
to work together without the use of any binders.
Our product has no water in it, no alcohol, no synthetics, no
preservatives of any kind, leaving it the most powerful analgesic anywhere
that’s ever been formulated. It’s
received world class endorsements by the medical field, it’s backed up by
five medical and clinical studies from Italy, Poland, Germany, Canada, and the
United States. It’s
over...it’s over...you know, you figure over a hundred million North
Americans suffer from chronic pain is the latest pole.
Like arthritis, fibromyalgia, and everyday aches and pains and such and
that’s what our product was designed for and if I could just implement is
that O24 fibromyalgia is the only product in the world to gain the field of
endorsement from the National Fibromyalgia Association. Brian Therrien: That’s powerful. And I also read somewhere, Larry, that there is more O24 sold in Canada then Bengay; is that right?
Brian Therrien: Now, here’s a question for
you and I’ve got a few that have been written in and I’m sure there will
be more from the audience, but I’m going to kind of tailor this to your
specific situation, okay? With O24
taking as pain relief, is it a solution that masks the pain or is it a...does
it have the ability to heal? Larry:
No. It actually has been
proven clinically and in medical studies is that it has the healing effect.
These are natural extracts of natural oils and they’re the
finest...they’re imported from five different continents and such like that.
The oils actually has, you know, increased the blood circulation, they
bring more immune cells into the areas which, you know, help carry out the job
of mopping up damaged tissues, they ensure that tissue cells have adequate
supply of nutrients that support the healing process and increases like blood
circulation, it helps facilitate the removal of the waste products and toxins
released by deeper, dying cells and the actions on the blood circulation also
is further enhanced, because of the ability of the number of chemical
constitutes of these herbal extracts to promote the healing of damaged blood
vessels, collectively, and these actions support the body’s natural ability
to heal damaged tissues and resolve inflammation, so that’s why this product
was designed as well as for injuries, for arthritis, fibromyalgia.
These are all things that you...that people experience when you’re in
a chronic pain situation. So,
it’s not like other products on the market.
It’s not there just to give you the initial pain relief, which it
does do... Brian Therrien: Okay. Larry:
...but, it’s there to help heal so that, over the long period of
time, you know, you’re healing your body and healing that tissue so that
pain becomes less frequent and when the episodes do come up, they’re not as
severe. Brian Therrien: So, tell us...tell us about
your situation. You were paralysed
for over six months and was it partly attributed or fully attributed to the
results from O24 that you got your mobility back or what can you share with us
about your experience? Larry:
Well, my personal injury was it that I tore the shoulder completely out
of the socket. I fractured the
humerus completely in half and that’s the bone that connects your shoulder
down to your elbow. Also, there
was nerve damage because right there is where your ball of nerves are and
that, had twisted the arm, which left me, instantly, paralysed.
After numerous and multiple surgeries with pins and plates and such
like that, I was on hydrocodone, they actually had me...I was on eight of
those a day for a period of five to six months.
Even when I started the rehabilitation process and physical therapy.
My mother introduced me to this because I was just a complete basket
case. I mean, if any of you are
on, you know, Vicodin or any type of pain product, you know that you can’t
function normally and many times you’re you’re left to just sit in your
easy chair or sleep, is what it does, so you’re not...you’re not in there,
you’re not out enjoying life because you have to have something to kill the
pain. And I started using O24
during my physical therapy and still use it to this day, and it helps wean me
off the pain pills that, to this day, I still have the ability that I could
get a prescription from the doctor if need be, but I don’t.
I use O24, I actually apply it three times a day.
In the morning, in the afternoon if the pain is severe, but at night
and I’m able to function and I’m able, actually, now to run a corporation
and that which I would not have been able to do had I been under the influence
of a narcotic. Brian Therrien: That’s a great story.
Now, I’m sure that one of the questions that’s going through the
mind of people out there in the audience is something like, well, Larry, this
sounds fantastic, but, you know, I’m on a fixed income or I’m not able to
work anymore. How can I afford
this? I mean is this something
that...how can you address that? What
can you share with us? I know you
have people that...customers that are on fixed incomes like this that do use
it. Larry:
Oh, many, many. Brian Therrien: Yeah. Larry:
Most of all..all my...many of my customers are, you know, fibromyalgia
sufferers, groups of people that can’t work or due to their pain or older
individuals and such. That’s the
reason we’ve taken on, as far as a direct marketing campaign is because our
products are natural oils and if anybody has ever shopped for guanta any type
of event and looked at, you know, where they sell the natural extract oils,
the individual oils, they’re very expensive.
It’s a costly process. What
Richard has done is he’s brought this product to market and has made it
because he wants to help individuals and we were...we’re not one of the
large drug companies. We’re not
Merck, we’re not something like that. We’re
a small bioscience company. So,
we’re not multibillion dollar-type industry and that’s because we don’t
work in a large profit margin. We
want our product to help people. We
work on a smaller profit scale and we believe in quantity as well as getting
the product out there to...for a company to function versus to make it bigger
profits on each individual sale. So,
our product has been set at an affordable price.
The cost is $20 and that’s for a spray bottle, which will give you
120 sprays, which is roughly a months supply, will last you a whole month or a
box of 20 towelettes. Each one of
the towelettes you can actually use twice, so that’s 40 applications of O24.
So, our product is kept in line of affordability and when you look at
$20 a month of a product that is going to help wean you off of some of the
narcotic pain pills and allow you to function whether it be going to see your
kids soccer game or your grandkids soccer game or just the ability to get up
and go shopping, not be thinking about pain, and putting you into a better
mood where, you know, you don’t have that depression that comes along with
severe pain, it’ll allow you just to, you know, converse about something
other than your pain with your spouse, for instance, it’s improving your
quality of life. So, at $20,
roughly, for a month to help improve your quality of life and allow you to
function, I think it’s very affordable. Brian Therrien: Well,
it’s actually kind of shocking, but, yeah.
And the other side is...let’s say somebody is working and they’re
going through questionable pain, this could be the difference between keeping
them employed for months extra versus having to get out or if somebody is not
working, it could allow them the ability to, have some relief so they could do
something a few hours a day, so, very cool.
Is there any conditions that this works better for than others? Larry:
It actually was designed, specifically, for...and I just want people to
know is like on the pain neutralizer for arthritis, for pains, neck pain, back
pain and that and our fibromyalgia was designed for the musculoskeletal
systems, specifically for fibromyalgia, people that are suffering from that.
And we have clinical studies and it’s clinically proven to reduce
pain for people that are suffering from fibromyalgia.
The studies that were done reduced the pain in...from those individuals
that had fibromyalgia and these were people that were diagnosed and had it for
a period of nine years that were in the studies, so they were severe cases. Brian Therrien: Um-hum. Larry:
It reduced the pain by an average of 60%... Brian Therrien: Um-hum. Larry:
...in the individuals. Brian Therrien: Wow.
I’m kind of cycling back to the...to the price and that, Larry, do
you know anything or have you heard from people that, if their doctor
prescribes this and they’re on Medicare/Medicaid, that they can get it
reimbursed? Have you heard
anything about that? Larry:
Well, it’s something that we have...my staff has explored with, as
far as Medicare and Medicaid, and it is possible, but the only problem being
is that if anybody is on Medicare or has that prescription on Plan D or Plan E
and Aflac, I believe it is, you have a $20 co-payment with Medicare, so our
product is not priced...had our product been priced higher at $30, $40, $50,
or $80, like some of the prescriptions or other medications that are out there
that do the same job, you would probably be able to get some type of support. Brian Therrien: Um-hum. Larry:
So, that you would only be paying $20.
But, because our product is priced just at or below that line, it
doesn’t even come into play. But,
our product does apply when you’re doing your taxes at the end of the year
as far as over-the-counter and medication purposes as far as for tax deduction
purposes. Brian Therrien: Sure.
And one thing that I will add to the audience out there, if you are
disabled and you are pursuing work or starting a business, you can use this as
a deduction as Larry said. Any
work-related expense, which this is easily justifiable to keep you in a, I
guess I should say a conscious state and pain free so you can do you job, than
you can deduct it. If you want to
learn the specifics about that in our members area, listen to the “how to
start a business” course with Andy Leaf.
And that will go through the work-related expenses.
So, very good. You know
what I’d like to do, unless there’s anything else at this point as...Mary
are you still here? Mary:
Of course. Brian Therrien: Yeah, great.
You’ve been an O24 user. Can
you share your experience with the audience with us please? Mary:
Oh my God. This stuff has
been lifesaving for me, you know. When
I was working and my neck and my shoulders were stressing out trying to get
through a deadline, I would spray it on and it at first it would feel cold at
first and then I could feel the heat kicking in and it was just like...it
really would help me to just keep on going getting to my deadlines and getting
through that and at night, now, ever since I had...I had an accident last year
and my knee’s all banged up and they can’t figure out where the pain is
coming from or why, but I’d been spraying it on at night, so I won’t wake
up in the middle of the night and I sleep through the night because my leg’s
doesn’t hurt at all and I sleep through the night without pain now because I
spray it on and I wake up and my leg’s still not hurting when I wake up and
it just...it’s fantastic stuff and I don’t think I’ve ever found
anything that works as good as this stuff does and I’m trying...I’ve been
telling my support group...I have a support group here for fibromyalgia and
I’ve been letting them try it out, too.
I bring my spray bottle in and I let them try it out, too, and they
really like it. So, it really is a
wonderful product. Brian Therrien: That’s...that’s a great
way to get people coming back to your group, Mary. Mary:
Yeah. Yeah. Yeah and it
really is awesome. It really is
awesome. Brian Therrien: Thanks for sharing that.
Now, Larry, I I understand that you had a couple other people that were
going to cal in, Harry and Bonnie, today and share their story as well.
Harry, are you out there? Let’s
start with you if you’re on the line. Harry
Gross? Harry Gross: Yes, sir.
I am here. Brian Therrien: Nice to meet you Harry.
Thanks for joining us. Harry Gross: Okay.
I’ve been using the O24 going on , this is my third month now.
I injured my shoulder... Brian Therrien: Harry, I’m sorry, could
you speak up just a little bit? I
know everybody’s eager to hear from you and your voice is just a little
faint. Harry Gross: Okay.
I’m a disabled veteran and I’ve been using O24 for approximately
three months now. I injured my
shoulder in a parachute jump back in the military and I have limited range of
motion in that shoulder and it’s very painful and for years I could not
sleep on my right side because of the pain in that shoulder and I started
using the O24 and then now I can sleep on my right side again and I hadn’t
been able to do that for years. Brian Therrien: That’s interesting.
Now, when you say years, Harry, how many years? Harry Gross: I injured my shoulder in
1969. Brian Therrien: Wow.
Good for you. Good for you.
Well, thanks for sharing that with us, Harry.
Bonnie are you out there? Bonnie:
Yes, I am. Brian Therrien: Nice to meet you, Bonnie.
Thanks for joining us. Bonnie:
Thanks for having me. I
actually started using O24 about the same time Harry did.
I was mugged in like 1977. I
broke my tibia and fibula and have had a lot of drama with that since.
And hadn’t really...it’s gotten to the point now where it is very
painful. I can’t always walk on
it. But, I started using O24 and
it has really really helped so much to the point where I can do things that I
wasn’t able to do. It’s not
the most focused on the pain, it’s task at hand, and I I’m just...I also
shared it with a couple friends with back injuries and they found the same
thing. They really think it works
as well. Brian Therrien: Interesting.
Now, you’re an attorney by profession; is that correct? Bonnie:
Yes, I am. Brian Therrien: So, were you limited in the
work that you could do before because of the pain? Bonnie:
Yes. To the point where I I
had stopped working at a law firm in DC and I now work from my home.
And everything was a lot more difficult to do.
I have been using this now regularly and it has really really helped
with the pain and, also, just the the day-to-day tasks that I hadn’t been
able to, I’m able to do that now. Brian Therrien: Very nice.
That’s great. Thanks for
sharing your your story with us. Larry,
is there anything that you’d like to add or do you..you want to open it up
and take some questions? Larry:
No.
I’d be willing...let’s see if anybody has any questions.
I’d be happy to answer them. Brian Therrien: Alright.
Let me just set the ground rules. If...for
questions for Larry, let’s direct them specifically to Larry or Harry,
Bonnie, or Mary. Just state your
name and who your question’s for and we’ll do our best to answer it for
you. So, who would like to go
first? Linda:
Me. This is Linda in
Nevada. Brian Therrien: Linda in Nevada, you’re
on. Linda:
Yeah. Larry, this product
sounds wonderful. My husband has
three blown discs in his back and one degenerative disc, so he’s in constant
pain. I just got diagnosed with
osteoarthritis in my pelvi-spinal area, which is really fun, and in my knees,
plus the fibromyalgia, of course. Anyway,
what I’m wondering is I got the price, now where the heck do I get the
stuff? Larry:
Well, thank you for asking that and maybe I didn’t be specific.
You can order the product and the only way to get it in the United
States is to order it direct from us and that you would do so online at www.zone024.com.
That’s zone zero 24, so if you can remember, if you got pain, go to
the zone. And for anybody
that...anybody that does...has not or, you know, there are some people that
aren’t comfortable with ordering on the computer, you can call our toll free
order line and we’re happy to help you out.
You can do so toll free at 888-966-3024 or 888-ZONE-024, and always mention, and
please mention, the Disability Digest. We
appreciate that. Linda:
Okay. Cool.
Thank you very much. We’ll
try it. Larry:
You’re very welcome and thank you. Linda:
Bye. Larry:
Great. Brian Therrien: Great.
You’re welcome. Okay.
Who’s next? Who else has
a question? Peggy:
Peggy. Brian Therrien: Peggy.
How are you Peggy? Peggy:
Can that product be used for sciatica pain shooting down the leg? Larry:
Yes, it can. Peggy:
Thank you. Larry:
Yes. Peggy:
Okay. Brian Therrien: Anything else? Larry:
It’s very effective, by the way. Peggy:
Very good. Brian Therrien: Okay.
Good. Okay. Who’s next?
Pain question. Who has a
pain question for Larry? Well,
that’s good. I got a few for ya. Larry:
Alright. Brian Therrien: You know, now that you’re
in this area, this field, do you have any other tips or recommendations that
you could pass on, you know, to chronic pain sufferers apart from, you know,
that would complement the effort from O24? Larry:
Of course. O24 actually was
designed and actually is being marketed is that we’re trying to reach out to
the professionals. So, don’t be
surprised, within the next year, if you’re going to your doctor that that
they recommend it, because it has proven to enhance the healing process in
conjunction with other things when you’re dealing with chronic pain
that...what many people have found relief that is, you know, massage therapy,
chiropractic therapy, like Mary does, physical therapy, water exercising, and,
also, those suffering from fibromyalgia typically experience a great deal of
pain in response to their, you know, bodies and balances.
There’s a number of approaches that one might take to address the
body and their needs naturally. And
I have had the opportunity to learn from many of the world’s leading experts
since I’ve been pursuing and in the position that I am and I’ve worked
with some people and, briefly, I’ve come across a lady that’s a board
certified holistic practitioner, by the name of Victoria Smith, that has some
great health and wellness-type knowledge and such and provides free
consultation and information and such, so I would encourage those to log on to
our website and take a look at our links page and to give us your e-mail so
that we can update you on the the research that we’re gaining each and every
day as far as avenues and health issues and how to help you improve your
quality of life as far as exercise, nutrition, and things like that, that you
could do in your daily life to help reduce your chronic pain along with using
O24. Brian Therrien: Um-hum.
Um-hum. You know, I was
noticing on your site, Larry, that you have some pretty stellar testimonials
from national hockey league trainer, Larry Holmes, different doctors.
So, you know, for...and they’re pretty specific about what they use
for applications, so, if anyone in the audience has a question or something
comes up afterwards that could be a good place to go for some additional
education is, and they’re in a nice video format, so you can play and listen
to them. Just go to the
testimonial link on Larry’s site. So,
also what we’ll do at the...at the...when we circulate this around for those
that are listening to the replay of this call, is we will put a link at the
bottom, so you can just click on over and have easy access to Larry’s site.
So. So, that’s great.
Any other questions for Larry or Harry, Bonnie, Mary today? Brian Therrien: Okay. Dennis:
When use it, if you use the spray formula, how long does it last? Larry:
That’s a good question and thank you for asking it.
The application...when you put on O24, you’ll feel...it starts to
work because it’s a natural oil. It
absorbs, obviously, into your...into your skin...in your skin quickly, so
you’ll start to feel it within 10 minutes it’ll start to work, and it
lasts from four to seven hours. Mary:
Yeah. Like mine, when I
sprayed it on my leg, Dennis, it lasted all night long. Brian Therrien: So, that could get you
through a day of work. That’s
interesting. And, so... Dennis:
Thank you. Brian Therrien: ...yeah.
so... Larry:
And, also, too, if I could, I’m sorry Brian, if I could just add is
that, you know, O24’s a natural property.
It has peppermint in it and camphor and that and, obviously, it has a
scent to it, so if you’re going out for the evening, for instance, or if
you’re going to work and, you know, don’t be afraid to use O24, because
it’s an all-natural product, is that 20 minutes after you put it on, if
you’re concerned about the scent, you can wash it off or take a shower or
something along those lines. The
scent will be gone, but it will not change the effectiveness of the medicine,
itself. Brian Therrien: Wow. Peggy:
Very good. Brian Therrien: Interesting.
Okay. Peggy:
Can I have that phone number again? Larry:
Sure. The phone number is
888-966-3024. Peggy:
Thank you. Brian Therrien: Good. Larry:
You’re very welcome. Brian Therrien: Good.
Okay. Great.
Let’s do this, in the last few minutes remaining.
Larry, thank you for for all of this and I’m sure a lot of people
that are going to be progressing towards pain freeness will thank you, as
well. Let’s do this, if
there’s any other questions to finish up our presentation today that are
disability related, whether it’s, you know, jobs, getting approved for
disability, maximizing your benefits, how to find affordable housing, etc., be
glad to open that up for those that want to hang out.
I’d spend a few minutes and we can...we can take some of those
questions, so. Same format, if you
would, just state your name and your question, be glad to help ya. Dennis:
This is Dennis, again. Brian Therrien: Yes? Dennis:
We started on my disability through the place where I’m on my third
turndown and getting ready to go to the before a judge. Brian Therrien: Um-hum. Dennis:
Since that time, my arthritis in my back has gotten a lot worse, I had
a seizure back on May 10th, on July 4th I was shot four
times, there’s a couple other things here and there, I may have cancer on
the kidney now, don’t know for sure on that one yet.
We’re still working on that. Brian Therrien: So, so... Dennis:
We’re in kind of a hard place right now.
Is there a way I can do everything to speed this process up? Brian Therrien: Well, there are some things
that you can do. Are you working
on your case on your own or do you have somebody representing you? Dennis:
No. I got an attorney. Brian Therrien: Okay.
There’s a few things that you could do.
The one thing that has like a 20% success rate is if you are behind in
your bills and in the financial dyer need state, especially if you have a
family and you might end up homeless because of this wait, then you can file
what’s called a dyer need clause for a hearing and you’re actually, if
your attorney is, you know, intimately involved in your case and knows your
personal situation, they probably...they should have done this already, if
they haven’t. Dennis:
Well, he doesn’t know about some of this stuff yet.
I’m going to contact him tomorrow and see if we can move this a
little bit faster. Brian Therrien: Yep.
What you should do before you contact him......before you contact him
is I would go into Lesson 4 in our mini-course and I would educate yourself
about the dyer need clause because you want to go there prepared.
I’ll be candid with you, my general experience with most
representatives and attorneys, is they’re not going to proactively do this
for you because it’s paperwork. So,
what I advocate that you do is be prepared, understand it, understand your
rights, get your bills together, and ask him to do it as your representative
and if he declines to do it, or she, then you can do it yourself, okay?
So, that’s one thing that you can do.
The other thing that you can do is see if there’s...just make sure
there’s...you’ve given all the resources in your local area that you’re
entitled to and I would suggest that you contact the Centers for Independent
Living. You know, whether it’s
heating assistance, food assistance, you know, they’ve got all kinds of
stuff. Here, in Vermont, they’ve
got cooperative gardens that donate food to offset grocery bills.
So, just check it out and those are a few tips for ya. Mary:
Can I add something to that? Brian Therrien: Sure. Mary:
I contacted my senator too. He can expedited it. And I got a personal
letter back. Brian Therrien: Yes.
Senators are still effective in some states.
Yes. Thank you.
Yep. Yep.
So, great. Any other
questions? Going once. Ted Nichole: Ted Nichole. Brian Therrien: Ted.
How can I help you? Ted Nichole: I have just started this
disability process. I worked...I
had a leg amputation in 2001, and I have worked with this leg amputation until
this July, and I’ve applied for disability.
I’m now living off of my pension, but it seems like I’ve got to be
totally poor before I’m able to get assistance.
Is that the right plan on things? Mary:
No. Brian Therrien: Well......let me see if I
understand. When you say you’re
applying for disability, are you applying for Social Security disability? Ted Nichole: Yes, sir. Brian Therrien: Okay.
Well, you know, to apply for Social Security disability, let’s just
isolate that, it’s not...there is a need-based component to the Social
Security Disability Program, but if you’re, which is not Social Security
disability, it’s just plain Social Security, you can get that and that’s
need based. That’s if your
assets, as a family, are less than $3,000 or, as an individual, they’re less
than $2,000. But, for Social
Security disability, Donald Trump could get it and it’s not based on how
much money you make or the assets that you have, per se.
What it’s based on is how much federal tax you’ve paid over the
last 10 years, and there’s...there’s...there’s another variable in
there, over your lifetime, but it’s primarily looking at your last 10 years
of earnings. So, the success of
getting through that system and getting it done is, really, just following our
mini-course. You know, we’re not
doctors or lawyers here, but we help get approved, on a monthly basis, we’ve
been studying it for the last three months, about 160 people a month come
through and get approved and the majority of those, actually, are getting
approved on their own, without representatives.
So, the point is this, is the course just really teaches you how to
formulate your application and gives you a strategy to maximize your chances
for winning. Mary:
How much is your pension? Ted Nichole: Pardon me? Mary:
How much is your pension? Ted Nichole: $35,000. Mary:
Whoa. Ted Nichole: And my pension starts to
kick in next month. Mary:
How much do you get per month? Ted Nichole: I got one lump sum. Mary:
One lump sum, okay. Ted Nichole: Yes, ma’am. Brian Therrien: Yep. Ted Nichole: And my W-2 this year is
probably going to show something around $80,000. Brian Therrien: Um-hum.
So, Mer, what are you thinking about.
SSI or? Mary:
Well, I was thinking, you know, if he’s getting his pension in lump
sum versus payment plan, if he’s getting it in lump sum then he will be able
to get, after his, you know, after he goes a month of no income whatsoever,
then he’ll be able to start applying. It
depends on when he doesn’t get any income, whatsoever.
I didn’t know how his pension was coming in. Brian Therrien: Well, that’s...that’s
not my understanding. It’s based
on SGA, which is sustained gainful activities, so, if you’re not working and
deriving any current income, you can apply. Ted Nichole: Okay. Brian Therrien: You can inherit money, you
can get any other money, but if it’s not...if it’s not tied to you
directly working hours for dollars, then you can apply.
That’s how the SGA works. Mary:
Well, see what I understand, if you were even getting workman’s comp,
that would go against you for Social Security disability. Brian Therrien: No.
Not for applying, though, Mary. Mary:
That’s what I understand. That
they would subtract from your disability. Brian Therrien: That’s
correct. They’ll subtract from
your retro benefit, but it doesn’t...it doesn’t effect, in any way, your
ability to apply. Mary:
Yeah. Audience Member: Hello? Ted Nichole: I’m here. Audience Member: Yeah.
You have to get in with a lawyer… I have fibromyalgia and now I have
sciatica. Ididn’t get it the
first two times. Brian Therrien: I don’t want to be the
devil’s advocate here, but this has been my experience, is we get about
three people a day that write us that have used our course that get through
without a representative. Here’s
the deal, okay, and everybody’s situation is different.
We’re not representatives, we’re not doctor, we’re not lawyers,
and we do the course part and all this for free.
But, what works is if you want, and are capable of investing the time,
effort, and energy, into your application in the very beginning and putting it
together correctly, just like a representative would do, then you can get
through. I mean, all you need to
do is go into our members area and look at the long list of people that have
done it. But, not everybody is
capable of doing it. If you have,
you know, an impairment or you don’t have the ability to create and
formulate records, I mean, this is an administrative process and there are
certain people that, you know, really should think long and hard if going this
on their own is is for them, so. Audience Member: Well, I’m a teacher and I
didn’t get it. Brian Therrien: Yeah.
Yeah. We had a guy the
other day, on the other hand, that had Stage 4 cancer and he didn’t get it.
So...and then, there’s a gal that was 39 two weeks ago with
fibromyalgia and she got it in four months so, you know. Audience Member: That’s wrong. Brian Therrien: Yeah.
It’s really... Mary:
Working that time that you can. Brian Therrien: Yep.
Yep. So. Ted Nichole: When I sat down with the
disability people, I applied the middle of July. Brian Therrien: Yep. Ted Nichole: The fellow told me, I filled
out the paperwork in the middle of July. The
fellow told me that I would probably be getting my disability in January or
February and I have already been to the federal doctor.
They had me go to to their doctor to verify ev...all the information my
doctor has done. My problem is I I
will take my pension down to zero by the time I get to the disability in
January or February and I really didn’t want to do that and I was just
wondering what my options were? Brian Therrien: You still haven’t heard
back from them, right? From your
first application? Ted Nichole: I haven’t heard back from
the doctor. I just went to the
doctor on Saturday. Brian Therrien: Yeah.
Yeah. You know, some of the
attempts that I... Ted Nichole: This was the doctor the
disability people sent me to see. Brian Therrien: Yep.
Some of the tips that might help you from this process out, and
there’s a very good blog post about this and for those of you that are going
through, you know, the application process or are pursuing housing or
anything, I would get tuned into the community to get all the information you
can on your pertinent topic, because there’s a lot of information that we
post and put out, but I don’t e-mail it to everybody, because I don’t want
to just inundate you, but if you get involved in the community and sign up for
that, then you can get all the information...extra information on topics.
So, there are 12 tips that were put out in this blog post that got this
39-year-old through the system in like five months for fibromyalgia and what
she did, where you may be able to apply it, Ted, is let’s say that you have
a part of the process where you’re going to need to be required to fill out
paperwork and send it back in. What
she did that worked is she faxed everything and then she followed up with a
fax and she created a relationship with her caseworker and the reason why the
fax is an intriguing way to do it is because they have to actually pick it off
the machine. It requires human
involvement to go over, get it, pick it up.
So, if you called and say hey, did you get my fax, right?
And then you can work on the process and work it through, because often
times with these applications, I’m sure there’s others on the call that
are out there, they get in the office, they’re put in a pile, and they
don’t have a priority to them, and a simple tip like that and the others
that are on that blog post could help you speed it up a little bit, so. Ted Nichole: Sounds wonderful. Brian Therrien: Yep. Ted Nichole: Thank you. Mary:
Yeah. Brian Therrien: Yeah.
Good. Okay.
Great, listen, we are...we are out of time for today.
I want to thank Larry, Mary, Harry, Bonnie for coming by, contributing
with all the fine information, the great questions, and most of all I want to
thank everybody that was on the call today for taking time out of your
schedule to come on out and listen to this.
I hope you found it valuable. We
will be circulating this in about a week with an MP3, so that you can listen
to it again and a transcription. And we do these calls on the first Wednesday
of the month. Appreciate it
everybody. {end of the interview}
|
