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Do I Have to Pay Back Long-Term Disability Benefits if I Start Getting Social Security?

Posted on July 14th, 2016

The short answer is: Probably, yes. Social security disability benefits may take longer to receive than long-term disability (LTD) benefits from an insurance company. Once you start receive social security disability back benefits, the insurance company will usually expect you to reimburse them for what they have already paid you, if your insurance policy offsets for social security benefits. At… READ MORE

Determining Residual Functional Capacity in a Social Security Claim

Posted on July 3rd, 2014

Probably the most important evidence or documents that you need in your Social Security disability case is a report or opinion from your doctor about what your restrictions and limitations are, which means an opinion about what you can or cannot do. Of course, you also need medical records to show why those restrictions and limitations are reasonable, but medical… READ MORE

No Matter Where You Live, The Disability Team at Eric Buchanan & Associates Can Help You Get the Long-Term Disability Insurance Benefits You Deserve

Posted on March 31st, 2014

Clients need skilled and experienced representation when they become disabled and file a disability claim and the Disability Team at Eric Buchanan & Associates serve a nationwide clientele. Located centrally in Chattanooga, Tennessee, Eric Buchanan and his disability team know disabled people need money from the disability insurance company that is due to them. Disability insurance companies try to delay… READ MORE

Why Should I Apply for Social Security Disability When I’m Receiving Long-term Disability Benefits?

Posted on February 5th, 2014

ERISA long-term disability claims are often easier to win if the insurance company knows you’ve won a claim for Social Security Disability benefits. For one thing, Social Security has much stricter requirements to show “total disability.” Whereas, most long-term disability plans only require you to be disabled from your occupation, initially. When you win an SSDI claim, the insurance company… READ MORE

Protect Your Eligibility for Disability by Earning Enough Credits

Posted on January 6th, 2014

At Eric Buchanan & Associates, we are often asked by clients, “should I stop working?” Our answer is that you should always follow your doctors’ advice, and stop working if your doctor tells you to. But, if you can keep working, the vast majority of people are better off working than being on disability. However, if your medical condition is… READ MORE

Social Security Disability: The Social Security Back Log

Posted on November 11th, 2013

Chattanooga Disability Attorneys and Team at Eric Buchanan & Associates Can Help With Denied and Delayed Social Security Claims Clients need skilled and experienced representation when they need to file a disability claim and the Disability Team at Eric Buchanan & Associates serve clients with Social Security claims over a large area. Located centrally in Chattanooga, Tennessee, Eric Buchanan and… READ MORE

ERISA: 5 Things You Need to Know about ERISA

Posted on August 22nd, 2013

The Employee Retirement Income Security Act (ERISA) was enacted in 1974 to protect employees’ pension benefits plans. The experienced ERISA team at Eric Buchanan & Associates wants to help you understand some of ERISA’s terms better and how the law works for you: 1. ERISA Covers Private Employees You might think that you’re covered under ERISA when you’re not. Only… READ MORE

Disability and Workers’ Compensation: How Social Security Calculates the Offset

Posted on August 21st, 2013

In our previous blog, Workers’ Compensation Benefits Offsets Social Security Disability, we discussed how workers receiving workers’ compensation would have their Social Security disability benefits reduced. Now we will cover how the offset of benefits is calculated: To calculate the amount of the offset, Social Security first determines what it calls the “applicable limit,” or the maximum total monthly amount… READ MORE

Disability and Workers’ Compensation: How Social Security Offsets Lump Sum Settlements

Posted on August 21st, 2013

In continuing our series on workers’ compensation and Social Security Disability Benefits, Eric Buchanan & Associates wants you to know how worker’s compensation lump sum settlements are considered by Social Security. Lump sum settlement in workers’ compensation cases are one choice workers sometimes have instead of taking a monthly payment. Many workers’ compensation claims are settled before a hearing or… READ MORE