How To Make Sure Your Consultative Exam For Social Security Goes Well

Posted by on Jul 23, 2015 in Uncategorized |

Sometimes, people with disabilities still get refused for Social Security benefits. If you have a case going on that has been denied and is in appeal, chances are good that you will have prove your medical issues through an exam by an independent doctor. Sometimes you will also need an exam in the initial stage of your application, usually because you haven’t been seen by a doctor in some time or medical evidence of your disability does not meet certain guidelines. Before you agree to a medical exam, it may be wise to consult with your Social Security disability lawyer, who can guide you through the process and make sure your exam is adequate to prove your case. You should also keep in mind these tips for dealing with an independent medical evaluation: 1. Don’t try to befriend your doctor. Doctors usually don’t work directly for the Social Security Administration or the government, but only approved doctors perform evaluations. In order to stay on the “approved” list to carry out and be paid for these exams, the doctor you see may be somewhat biased against on-the-edge disability cases like yours. (That’s not a condemnation of the doctor, but it’s natural to unconsciously side with the person paying the bill.) This means that you want to be cautious about what you say regarding your condition, as anything you discuss with the doctor will go into the notes for the case.  Be polite and answer any questions you are asked, but don’t volunteer information, past diagnoses or opinions during your exam.  2. Consciously communicate the difficulties or pain that your disability is causing. The one exception to not volunteering any information about your condition is when it comes to pain or problems that you are facing. Be very upfront about the pain you feel and what changes to your lifestyle you have had to make to accommodate your disability. You want the doctor to fully understand the issues you deal with, as best he or she can in a short exam. 3. Don’t be a hero. Many people with disabilities are used to hiding the pain in public or trying to act like the problem doesn’t bother you. This is not the time to hide anything. If it hurts to get up on the exam table, make a point of saying so and showing that it causes you discomfort.  If you use a cane, walker or wheelchair to get around, make sure you do so for the entire time you are at the medical practitioner’s office. Some people only use these when the pain is exceedingly great, and may forego taking them to the doctor or using them for some of...

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Protecting Your Home From Contractor Liens

Posted by on Jul 6, 2015 in Uncategorized |

Did you know that choosing the wrong roofing contractor for your home can lead to something much worse than a poor roofing job? The sad truth is that you could actually lose your home if the contractor is negligent in paying for his or her expenses. When this happens, you could receive a notice of lien and your home could be auctioned to pay for the expenses that the contractor failed to pay. What is a lien of property and how does it work? Okay, this can all get a bit confusing, but basically, if your contractor takes a line of credit for the roofing material or hires a sub-contractor to deliver the materials, and the contractor doesn’t pay for the materials or the services rendered, the company that the contractor failed to pay can place a lien on your home. In many cases, the contractor working on your home can actually use your home as collateral on the things that he or she is financing for the project. So, you pay the contractor, the contractor doesn’t pay the bills and a lien is placed on your home until payment is received. If payment is not made, your home can be auctioned to cover the expenses. What do you do when a lien is placed on your home? Your best course of action is to contact an attorney to file a dispute to the lien. The attorney will attempt to force the contractor to pay the debt that is owed. Your only other option is to pay the debt to the company that has placed the lien on your property. Failure to do anything could lead to your home being sold to cover the debt. What can you do to protect yourself from contractor liens on your home? There are three ways to protect yourself from this action: Designate a checking account to be shared with the roofing contractor working on your home. Instead of paying the full amount up front, the contractor can withdraw funds as they are needed. This gives you the ability to monitor how the money is being spent and how much is left in the account. Include a required receipt clause in your contract with the roofing contractor. This will force the contractor to show proof of payment for any service or materials that are bought. Include a contractor financial responsibility clause in the contract. This clause will force the contractor to accept responsibility for everything that has been financed for the project, meaning, your home cannot be used as collateral for his or her purchases or financing. Knowing the risk of contractor liens can help you avoid this terrible situation. Work with your...

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