Disability Digest Blog!

Learn why procrastination does not pay when applying for your
Social Security Disability benefits.

Hi:

Far too often the Social Security representatives review Disability Digest members’ cases and point out that they have lost hard-earned dollars by procrastinating and not filing for their Social Security disability benefits (SSDI).

Now in all fairness, many look at SSDI as a last resort and/or believe that they will get better and return to work.

But what they don’t realize is that you can apply for benefits if you are going to be out of work for more than 12 months even if you know you will return to work.

So, let’s go back to the price of procrastination.  The example I will use is a member (we call him Peter) who first got hurt in 1998.

Peter worked until the end of 2001 and claims that he became disabled in February 2002.

The problem is that Peter never filed for disability benefits until August 2008! He revisited applying in March 2009, after the claim was denied and he filed for a hearing.

The premier, full-service disability representatives (representatives who file initial applications for you) to whom we refer members win almost half of all the cases on the initial application (average 9 months) and 73% of all cases without going to a hearing in an average of 18 months.

The real issue I’m trying to overcome is to get people to understand that if you are going to be out of work for more than 12 months,  APPLY FOR DISABILITY.  Even if Peter is getting better, he should apply because he will potentially lose out on years of benefits.

The longer one waits to apply, the harder it may be to obtain the medical records necessary to show disability while they are still covered for benefits.

Getting back to Peter’s example:  Even if a representative is successful at Peter’s hearing, his retroactive benefits can only go back a year from when he applied.  Now Peter has lost six years of benefits!

With an average check of $1,000, this would be $72,000, plus four years of Medicare coverage put your own price tag on that.

Frankly, I would rather have a member contact us when working and understand this rather than years later learn that they have lost out on benefits.

I hope my rant has helped you understand that procrastinating does not pay.  If you are guilty, click here and take 4 minutes right now to learn if you have a case and how to maximize your chances of winning fast:

Brian Therrien
The Disability Digest
p.s. Learn how this course has helped people just like you get approved!

If you are seeking quality health coverage, will soon be Medicare-eligible, or are already on Medicare, I have  some good news for you.   Choosing the most affordable insurance policy for your needs has just gotten a whole lot easier.

How?  Your needs often change, and the insurance landscape is always changing.  At any one time each state has an  average of 16 different options from which to choose.

To help you stay up on the changes and potential savings, we have partnered with industry leaders to put together this FREE Medicare Mini Course to help you shake down your options.

Health costs are now the leading cause of bankruptcy,  but an affordable plan can help protect you from the high costs of health care.

Protecting yourself with the right health coverage plan and staying  out of the donut hole will ensure that you will be covered if and when you need medical attention without putting unnecessary strain on your financial situation. So why wait? You may be able to save thousands on your premiums.   Many members of this site already have.

Register for the mini course and
> get a complete guide with step-by-step instructions for Medicare Parts A, B, C, and D,
> find out how to determine your needs and find a plan to match them.

And I’ve included the replay of last week’s webinar all about “how to save thousands on Medicare and health insurance”

To keep you up to speed with the Medicare changes, we will be sending you updates to insure that you are in the know and are doing the best you can with your dough.

This is one FREE course you cannot afford to miss.

Click here to register for your free Medicare mini course and insurance guide.

Regards
Brian Therrien
p.s. The web site to register is here http://www.thedisabilitydigest.com/MedicareGetStarted.htm

There are a lot of myths and misunderstandings about the advantages of supplementing your disability by working a job or being self-employed.

And without beating around the bush,  I’m here to tell you about the advantages of supplementing your disability through self-employment or owning a business is HUGE.

Lesson 4 will show you how you can legally Make A Pile Of Money And Keep Your Disability Benefits.

Lesson 4 is here

If you missed one of the lessons, they are all linked at the the bottom of lesson four here.

Helping you supplement your disability,

Brian Therrien

Click here to get a FREE membership to The Disability Digest and learn absolutely everything (you) need to know about disability.

Hi

There is a lot of misunderstanding about the Social Security Disability system that just makes it scary.

The more you think about it, the more you realize there are lots of things you would like to know, but just don’t know where to start or what questions to ask.

Listen to this interview (or follow along with the written transcript) with Barbara Mountain and learn ten things you likely would never think to ask.

Barbara Mountain has 16 years working with disability applications and extensive Social Security Disability experience. You will be amazed at her knowledge of the Social Security Disability system.

Regardless if you’re app.roved for Social Security Disability, have not applied, or are somewhere in between, this is one event you don’t want to miss.

Click here to listen to the interview or read the transcript:

During the Interview you will learn:

-> What is Social Security Disability?

-> How you can get Medicare right away?

-> What are the advantages to receiving SSDI besides the check?

-> How long does it take (on average) to get a SSDI?

-> What is the current state of the Social Security System?

-> Can you work while going through the application process?  If so, how much can you safely make?

-> Can you w.ork after you have been approved?

-> Tips to help you survive the wait until you are approved?

-> What does the future hold for the Social Security System?

-> How interviewing with a representative maximizes your chances of winning.

Click here to listen to the interview or read the transcript:

Helping you win the disability challenge!

Brian Therrien
Click here to get your FREE membership to The Disability Digest so you can learn absolutely everything (you) need to know about disability.

“Check Out This Interview Discover If You’ve Been Wrongfully Terminated, How To Save Your Job,  or How To Use The ADA To Get A Job”

Hi

If you think you have been the victim of workplace harassment, discrimination, or even wrongful termination because of your physical limitations, then this is an interview you don’t want to miss. It’s critical that you learn your rights, how the ADA protects your rights, what to do if they have been violated, and where  to turn for help.

In the workplace, people with physical challenges and disabilities find themselves abused, harassed, and discriminated against  almost on a daily basis. Having to deal with the stresses on their physical difficulties and the effect of those difficulties on their friends and family are intense, but when they find themselves harassed at work, too, it sometimes becomes
too much to handle.

In this interview, a prominent defense attorney goes anonymously undercover as Curt K and tells all. Earlier in his career, he was a defense attorney for the big companies and learned all the tricks for making the workplace too intense for the physically  challenged employee and how to make work so uncomfortable, they would quit, not knowing their rights had been violated.

Maybe you have applied for your Social Security Disability,  and must work until your case is settled. You may find fellow employees and management treat you differently than other employees. In this interview, you will learn all about The Americans with Disability Act (ADA), the EEOC, the FMLA,
and Workplace Discrimination and Harassment.  These are all government laws designed to protect those with disabilities and workplace challenges.

During the interview, you will learn:

-> Employers can fire you anytime for any reason as long as it’s legal,

-> What are legal and illegal grounds for termination,

-> You cannot be terminated for having a disability,

-> What sort of treatment is considered harassment and how to legally respond,

-> What an “accommodation” is and how to ask for one to keep you job,

-> Can you take action against your old company because they did not make an accommodation for you?

As a Job seeker you will learn:

-> How to use the ADA to help you get a job,

-> How asking for an accommodations can help you get and keep your job,

-> Three realistic accommodations to ask for,

-> The single most important thing to know when you have a disability and are looking for a job,

-> How and when to use the EEOC,

-> All about the FMLA and why it’s the silver bullet for job protection,

-> When you should ask for help.

If you think you’ve been harassed or discriminated against on the job,  you’ll certainly be interested in the legal resourses covered on this call!

To listen to or read the transcript of the interview, and get these
tips from the Undercover Lawyer, click here

http://thedisabilitydigest.com/ADA-Undercoverlawyer.htm

Helping you win the disability challenge!

Brian Therrien

Get a FREE membership to The Disability Digest and learn absolutely everything (you) need to know about disability.

Hi

Check out the November Webinar reply and learn every last thing you need to know about how your F.REE Disability Digest membership will help you weave through the maze of Disability related issues!

Click here to check out the replay:
http://thedisabilitydigest.com/ConferenceNov.2.2009.htm

You’ll learn how to use your membership to…

> Qualify for disability,
> Make sure you’re getting the benefit level you’re entitled to,
> Learn exactly how much money you can make and keep your benefits,
> Find out how people with disabilities find a job,
> Start a business with no money down,
> Find affordable housing in great neighborhoods,
> Choose the correct Medicare plan for your needs and budget.
> Qualifying for a grant,
>> Win a $598.00 web site start up package to build an internet
business that will supplement your income!

Click here to check out the replay:
http://thedisabilitydigest.com/ConferenceNov.2.2009.htm

I’m in hopes that this reply gives you the confidence that you have all the tools at your finger tips to weave through maze of disability related issues.

Regards

Brian Therrien

Get a FREE membership to The Disability Digest and learn absolutely every thing (you) need to know about disability.

Hi;

I know you’ll agree that we really have a special treat when you listen to our interview (or read the transcript) with John Tholen, Ph.D, author of “Winning The Disability Challenge: A Practical Guide to Successful Living.” John has worked with people with disabilities for over twenty-five years and brings a wealth of knowledge to this recorded Interview.

Since 1982, John’s straightforward strategies have helped hundreds of people overcome some of life’s daily obstacles and win the disability challenge.  Regardless if you’re able bodied, disabled, or somewhere in between, these insights are sure to help you and others around you.

To check out the interview and transcript click here:

Listen to the interview and hear timely and uplifting discussions
about critical issues you may find yourself faced with daily.

-> Learn how becoming disabled can’t prevent you from achieving fulfilling life experiences,

-> Discover how affirmations (positive self-talk) can be a source
of comfort and get you back on track even on your darkest days,

-> Get simple manageable methods for improving your health,
managing pain, curing insomnia, and coping with various depressive and distressing symptoms,

-> Hear how to overcome “The Challenge,” whatever that may be for you,

-> John’s message is that becoming disabled liberates us from a
routine and allows us to focus on other goals in our lives,

-> Discover how “self assertion” helps you gain self respect,

-> Learn how to make the most of your relationships,

-> Get two simple tips to help preserve, even enhance, your
relationships with others,

-> Find out the biggest obstacle to conquering disability and
how to overcome it,

-> How to overcome irrational discouraging thoughts.

Do something special for yourself and share a few minutes with
someone who has spent his entire career helping people from all
walks of life overcome their own special challenges.

Click Here for the interview and transcript:

Helping you win the disability challenge!

Brian Therrien

Hi:

I will be hosting a complimentary webinar Wednesday November 4 at 3:00 pm eastern standard time (12:00 pm pst, 2:00 pm cst).

I hope you can join so I can show you exactly how to use your Disability Digest membership to weave through maze of disability issues.  You’ll learn how to use you membership to…

> Qualifying For Disability,
> Make sure you’re getting the benefit level you’re entitled to,
> Learn exactly how much money you can make and keep your benefits,
> Find out how people with disabilities find a job,
> How members start a business with no money down,
> Learn some real secrets about where to find affordable housing
in great neighborhoods,
> Qualifying for a grant,
> Find low cost no cost treatment options,
> Figure out the Medicare mess,
>> All new reliable work at home options,

There will be a question and answer session at the end of the
webinar.  Space is limited click here  reserve your Webinar seat now:

Regards
Brian Therrien

Hi

Do the following scenarios describe a situation you could find yourself in?

- have you paid even one dollar into a long term disability insurance policy,
- think you may need to file a short or long term disability claim,
- have already filed an insurance claim for short or long term disability,
- had your long term disability claim denied in the last 6 years?

If so, then I have some GREAT NEWS for you!  As you may already know, getting insurance companies to pay individual disability claims has become a HUGE problem. It’s now being viewed by some as a consumer insurance epidemic!

To combat this I’ve worked with leading benefit recover experts to put together a FREE course to help you collect all your long term disability insurance benefits or recover benefits you’ve been denied.

The course includes a 71 minute interview with a Benefits Recovery Specialist and nine videos that will teach you everything you need to know but don’t know to ask!

Click here To register for the free course :

Regards

Regards
Brian Therrien

I will be holding a special webinar Wednesday October at 11:15 am eastern standard time(10:15 CST, 8:15 PST) to introduce The Disability Digest Affiliate program and explain how we can work together and supplement your in.come.

Regardless if your 18 or 102 this could work for you because

> its FREE to become an affiliate,

> we provide step by step training,

> even if you have no experience working online we have 5 simple proven ways for you to profit.
*** One strategy earns affiliates $5.00 in 5 minutes…really!

You would especially benefit from this if…

>  you own a web site that has visitors coming to it,

>  you know how to use social networks My Space Face Book, Twitter…

>  you know how to use Craig’s list,

>  you have sales experience,

>  you are just so fed up with living on a disability check that your willing to anything legal to supplement your income!

This is a reliable way supplement your income and make a difference.   Join me Wednesday 11:15 am est to learn the details. You’ll be glad you did!

Space is limited.  Click here to reserve your Webinar seat now:

After registering you will receive a confirmation email containing information about joining the Webinar.

A replay of the webinar will be sent out later.

Regards

Brian Therrien