Frequently Asked Questions About Injury and Disability
- Page 6
What is Residual Functional Capacity?
When an individual applies for disability benefits with the Social Security Administration (SSA), the agency must determine which tasks the applicant is still capable of performing. To do so, the SSA will complete an assessment of the applicant’s Residual Functional Capacity (RFC).
The Importance of Residual Functional Capacity
When you’re applying for Social Security Disability Insurance (SSDI), your RFC level will have a profound effect on your disability benefits. RFC forms must be completed for every disability case, and they are typically filled out by the SSA’s Disability Determination Services (DDS). However, having your doctor complete this form instead will strengthen your case. This is because:
- Your doctor knows you best. If your RFC form is filled out by a disability consultant at the DDS, it will be completed by someone who has never physically examined you. Instead, the consultant will reference your medical records to determine your functional abilities and restrictions. Obviously, an RFC form completed by your doctor is likely to provide a better picture of your overall condition than one completed by someone you’ve never met.
- You need a detailed RFC record. To maximize your probability of receiving sufficient benefits, your file must properly reflect the physical limitations your injuries have caused. How much you can lift, how long you can walk and stand, your level of flexibility, and how long you can sit are all crucial factors in determining compensation. No one has a better sense of your capabilities and limitations than your treating physician.
Receiving Help With Your Disability Insurance Claim
Since your doctor understands how your condition is impacting you better than anyone, he can be an important partner in the pursuit of your disability claim. If you hire a disability lawyer, your attorney can send the necessary RFC forms to your physician to collect the required information regarding your medical condition. Social Security attorneys are experienced in working with physicians and may be able to help with the completion and filing of the RFC form. To learn more, contact the Injury & Disability Law Center by clicking the Live Chat button on this page.
How do I file a VA disability claim?
There are a few critical requirements when filing a claim with the United States Department of Veterans Affairs (VA). Processing the initial claim for VA benefits may take as little as a few months or as long as several years, so there is no time to waste. To secure your compensation as early as possible, you should apply for benefits as soon as you determine that you are disabled.
Ways to Apply for VA Benefits
There are a few options when applying for benefits. You may apply for VA benefits by:
● Calling 800-827-1000.
● In person by visiting your local VA office.
● Online by using the eBenefits website.
● Completing and submitting Form 21-526EZ.
Specify Your Illnesses and Injuries
When you complete the application, list the specific illnesses and injuries for which you are requesting disability benefits, along with the date your symptoms appeared. You should only claim disabilities or illnesses you had in service if you are still suffering from the condition, or if you suspect that you may develop complications in the future.
Gather Documentation of Your Illnesses and Injuries
You’ll need documentation of your injuries to support your claim. Documents you should submit with your application may include:
● Medical clinic and hospital records related to your injury or illness. While your benefits application allows you to sign a medical records release, many private medical providers ignore VA requests for these records. Submitting medical records with your application eliminates this problem.
● Supporting statements from friends, family, clergy, law enforcement, or other veterans regarding your injury or illness.
● VA medical and hospital records related to your injury or illness.
Help With Your VA Disability Claim
If you need assistance with your disability claim, you can visit your local VA office. You may also get help from a disability lawyer. An experienced disability benefits attorney can review your claim, gather vital evidence, and prepare the necessary paperwork to help you receive the compensation you deserve. If you’ve been injured in service to your country, we can assist you with your VA benefits claim. Call us today or complete the contact form on this page.
How are damages calculated for pain and suffering?
Injury victims frequently cope with high medical bills, loss of income, and long recovery periods. In addition, they sometimes endure pain and suffering. Pain and suffering is a legal term that encompasses the physical and emotional pain stemming from accidental injuries.
Special Damages Versus General Damages
A personal injury claim has two primary types of possible compensation, special damages and general damages. Special damages include economic losses, such as property damage, medical bills, and loss of income, while general damages include pain and suffering. Special damages are typically relatively easy to value, since they are based on bills for vehicle repairs and medical expenses. However, calculating general damages, such as pain and suffering, is far more challenging.
Pain and Suffering Calculation Methods
While there are a number of approaches that insurance companies may take when calculating pain and suffering, the two most common are the multiplier method and the per diem method. The following is a brief overview:
- Multiplier method. The multiplier method is the most frequently used approach for calculating pain and suffering. An insurance company totals all of an accident victim’s special damages and multiplies them by a number of the insurer’s choosing. This number, called a multiplier, depends on many factors that may include: the extent of a victim’s injuries, the prospects for a full recovery, the impact of a victim’s injuries on his life, and the degree of the other party’s fault for the accident.
- Per diem method. The per diem method requires payment of a fixed dollar amount, or daily rate, for every day an injury victim must live with the pain caused by an accident. While this daily rate may be calculated using a variety of methods, the victim’s actual, daily earnings are frequently used.
An Attorney Can Help You Get the Compensation You Deserve
If you’ve been injured in a vehicle collision, or any other type of accident that was someone else’s fault, you deserve compensation for the physical and emotional pain you’ve suffered. An experienced personal injury attorney can prove the extent of your injuries and demand that you receive fair compensation. To learn more, contact us today by clicking the Live Chat button on this page.
What are the differences between SSDI and SSI?
Since the acronyms for Social Security Disability Insurance and (SSDI) Supplemental Security Income (SSI) are so similar, many people confuse these two programs. However, they are distinct from one another, with different objectives. If you’re entitled to disability compensation, it’s important that you apply for the correct program to avoid wasting time in pursuit of a benefit you aren’t qualified to receive.
Social Security Disability Insurance (SSDI)
SSDI provides benefits to individuals who have paid into Social Security via payroll deductions on their previously earned income. Program participants must have a disability that is anticipated to last for at least a year or result in death. Key characteristics of this program include:
- Benefits are provided to eligible individuals regardless of their assets or unearned income—interest, investments, or a spouse’s income. However, income from work is strictly limited for those receiving Social Security disability payments.
- Disability benefits are subject to a five-month waiting period, starting from the date of disability.
- Medicare coverage for health benefits is subject to a two-year waiting period from the date of entitlement (the month a disabled individual became entitled to receive Social Security disability benefits).
- The monthly Social Security disability payment amount is based upon covered earnings—the earnings on which a disabled worker paid Social Security taxes. These covered earnings are averaged, and a complicated formula is applied to calculate the monthly benefit.
Supplemental Security Income (SSI)
SSI helps disabled individuals who cannot qualify for SSDI benefits, either because they have never been employed or because they haven’t worked for a long time. This is a need-based program, typically for individuals 65 years of age and older with very little income. Key characteristics of this program include:
- SSI is a means-tested benefit program, requiring participants to meet a strict set of financial requirements.
- Claimants may start receiving benefits the same month they file—there is no waiting period.
- Medicaid health coverage begins as soon as SSI benefits are approved.
- The monthly payment amount is determined by subtracting countable income from the Federal Benefit Rate (FBR), which is the maximum federal monthly SSI payment amount. Those with countable income over the FBR are not eligible for benefits.
Help With Your SSDI or SSI Benefits
If you qualify for Social Security Disability Insurance or Supplemental Security Income benefits, an experienced disability benefits attorney can help you receive the compensation you deserve. To learn more, contact us today by clicking the Live Chat button on this page.
Am I eligible to receive VA disability benefits?
Disability benefits are available to Veterans with a history of active service and specific service-connected disabilities.
Military Service Requirement for VA Disability Benefits
The most basic Department of Veterans Affairs (VA) benefits requirement that must be met is a history of active service. To be considered active, a Veteran must have served either:
- Full-time in the United States Marine Corps, Army, Navy, Air Force, or Coast Guard
- As a cadet at a United States Military, Air Force, or Coast Guard academy or as a midshipman at the U.S. Naval Academy
- In the Reserve or Air or Army National Guard, when service is activated by the federal government
The active service requirement may also be satisfied in some cases by having a history of:
- Service in certain national organizations affiliated with the Armed Forces
- Engaging in training for the Armed Forces
- Enrollment at a preparatory school at the Military, Coast Guard, or Air Force academies
There are a couple of conditions which may prevent Veterans from qualifying for benefits. These include:
- Dishonorable discharge. A Veteran who has met the active service requirement still won’t be eligible for benefits if he or she has received a dishonorable discharge. However, Veterans with other types of discharges, including honorable discharges, discharges under honorable conditions, and general discharges will still qualify.
- Willful misconduct. Willful misconduct is behavior that involves conscious wrongdoing or a known prohibited action. Veterans seeking VA benefits due to a disability created by their own willful misconduct will be ineligible to qualify for those benefits. However, the burden of proof is on the VA to show that the Veteran’s willful misconduct led to the disability.
Military Service-Connected Illness or Injury Requirement
To be compensable, a Veteran’s disabilities must stem from a disease or injury sustained or aggravated in the course of active military service. These disabilities are considered to be service-connected, and they are rated from zero percent to 100 percent. A Veteran must be at least 10 percent disabled by a service-connected injury or illness in order to receive compensation, and pay rates increase as this percentage rises.
Help Obtaining VA Disability Benefits
The process of qualifying for and receiving disability benefits can be confusing, but an experienced Veterans disability attorney can provide the assistance you need to get the maximum allowable compensation for your service-connected injury or illness. To learn more about how we can help, contact us today by clicking the Live Chat button on this page.
Do I need an attorney to represent me in my car accident claim?
If you weren’t hurt in your vehicle accident, you likely don’t need to hire an attorney. Even if you were hurt, if your doctor has confirmed that your injuries are minimal, you can probably handle the claim on your own. However, if you’ve suffered any serious injuries or lost a significant amount of income due to missed work, you should discuss your situation with a car accident lawyer.
When to Consider Hiring a Car Accident Lawyer
Common circumstances that may warrant hiring an attorney include:
- Serious injuries. Car accident injury victims often don’t realize that the at-fault driver’s insurance company has already started building a defense immediately following the crash. Pursuing a claim for serious injuries requires extensive experience and resources that only an attorney can provide.
- Lost wages. Employed individuals who have missed out on income due to their vehicle accident injuries are entitled to recover their lost wages. An experienced vehicle accident attorney can gather evidence of these lost wages and arrange expert witness testimony regarding future income loss.
- Disputed fault. If fault for the collision is unclear, an attorney can gather evidence and expert testimony in order to establish liability. New Mexico is a comparative negligence state, meaning that an injured party may be held partially liable for his or her injuries. An attorney can argue against claims that the injured client should be held partly responsible and fight to minimize any reduction of the claim.
- Insurance company denials. If the insurance carrier can find any excuse to deny a claim, they will. They have teams of accident investigators busily collecting information that may be used to reject claims, so vehicle accident victims need representation by an experienced personal injury attorney.
- Accident with a drunk driver. An accident victim injured by a drunk driver needs representation by an attorney experienced in DUI accident cases. The attorney can gather any necessary evidence, including police accident reports, medical records, and sobriety test results.
Contact an Experienced Car Accident Lawyer Today
If you have been hurt in a motor vehicle accident that wasn’t your fault, you may be wondering if you need a car accident attorney to help you get the compensation you deserve for your injuries. At the Injury & Disability Law Center, we can help you make the right decision for your specific situation. Contact our office today to speak with one of our bilingual case managers and schedule a free case consultation. We will review the details of your case, help you to understand your legal options, and answer all of your questions. There is no obligation, so give us a call today or contact us using the form on this page. We look forward to hearing from you!
Can I receive workers’ compensation if my injury was my fault?
Workers’ compensation is a no-fault system, so you’re entitled to benefits regardless of the cause of your accident.
New Mexico Workers’ Compensation
Under the New Mexico Workers’ Compensation Act, if an employee is hurt due to a work-related accident, he is entitled to receive workers’ compensation benefits regardless of fault. This means that the employee doesn’t have to prove negligence on the part of his employer in order to receive benefits. Claims can also be processed faster, since there is no burden of proof that must be met, and no long disputes regarding who is to blame for the accident. Workers’ compensation benefits an employee may receive include:
● Lost salary or wages.
● Compensation for permanent disability.
● Rehabilitation expenses.
● Retraining costs.
Workers’ Compensation Benefit Exceptions
Even when a worker is clearly at fault for the accident that caused his injuries, he is still entitled to receive workers’ compensation benefits, with a few exceptions. If the employer can successfully argue that any of these exceptions apply, the employee will be completely barred from receiving workers’ compensation benefits. These exceptions include:
● Injuries resulting from intoxication.
● Injuries sustained while performing an activity specifically forbidden by the employer.
● Injuries caused by horseplay.
● Intentional, self-inflicted injuries.
● Injuries sustained during a fight.
The Exclusive Remedy Provision
In New Mexico, injured employees are only entitled to receive workers’ compensation benefits from their employer, and nothing else. This is known as the exclusive remedy provision, and it applies even when the employer or a coworker caused a worker’s injuries due to gross negligence. Employees are barred from suing their employer for additional compensation, even when the employer is clearly at fault.
Receiving Workers’ Compensation Benefits
Workers’ compensation laws can be very complex, but an experienced attorney can help workplace injury victims receive the compensation they deserve. If you’ve been hurt on the job, you need professional legal representation. To learn more, contact the Injury & Disability Law Center by using the form on this page.
How much does it cost to hire a car accident attorney?
Personal injury attorneys are typically compensated under a contingency fee arrangement. Some injury victims are hesitant to pursue litigation, since they can’t cover the cost of legal services upfront. Contingency fees allow injury victims to pursue justice, and receive the compensation they need and deserve.
Contingency Fee Arrangements
Contingency fees are a percentage of the settlement due to personal injury attorneys when they are successful in recovering compensation for accident victims. In other words, the lawyer is only paid when he wins the case. This provides a number of benefits for clients, including:
● Lower risks. When a client enters into an hourly rate agreement with his attorney, he may face substantial legal bills regardless of the outcome of his case. With contingency fees, clients only pay if and when their attorney succeeds in securing their compensation.
● A better attorney-client relationship. When attorneys are paid on a contingency basis, their compensation is tied directly to the outcome of the case. This can make for a great partnership between the client and his attorney, since the lawyer has a strong financial incentive to reach a favorable settlement in a timely manner.
● The attorney has confidence in his client’s case. Since their own compensation is tied directly to the outcome, contingency fee attorneys are unlikely to accept cases they don’t believe are winnable. If an attorney is willing to risk losing out on legal fees based upon the outcome of a case, that case probably has a lot of merit.
● Representation against companies with deep pockets. Due to contingency fees, injury victims don’t have to be wealthy in order to secure quality legal representation. Huge corporations and insurance companies can easily afford attorneys to represent them, but few individuals can pay an experienced attorney hundreds of dollars per hour to pursue litigation.
You Need Representation
If you’ve been injured in a vehicle accident, you need experienced representation by a contingency fee attorney. Our consultations are confidential, free, and there is no obligation. To learn more, contact the Injury & Disability Law Center by using the form on this page.
Do I need to visit the doctor after a car accident, even if I’m not hurt?
You should see a doctor as soon as possible after your collision, even if you feel fine. You could have internal injuries that have not yet surfaced, jeopardizing your health. Promptly seeking medical help will also strengthen your vehicle accident claim. Here is a short overview of some common car accident injuries:
- Internal Injuries. Internal injuries caused by a vehicle collision can worsen over time when left untreated.
- Whiplash. Whiplash occurs when the head is suddenly thrust forward and then backward in a vehicle accident. The chronic pain caused by whiplash may take days, or even weeks, to develop.
- Concussion. Violent jolts to the body stemming from the impact of a vehicle collision may cause the brain to strike the inside of the skull with tremendous force. This can cause a concussion, leading to symptoms that include headaches, blurred vision, dizziness, lack of concentration, and memory lapses. While these symptoms can be very serious, they often do not surface immediately.
- Soft tissue injuries. Typical soft tissue injuries include strains, sprains, and tears to the tendons, muscles, and ligaments of the back, neck, and shoulders. Injury victims may not experience any pain or swelling until a week or more after the collision.
- Traumatic brain injury. Traumatic brain injuries are caused by a jolt to the head, and symptoms can take several weeks or more to emerge. These injuries may result in hearing problems, vision difficulties, and memory lapses.
Receiving a Medical Evaluation
If you’ve been involved in a vehicle accident, you should obtain a medical evaluation even if you don’t believe that you’re injured. If injury symptoms surface in the future, you’ll need documentation showing that you sought prompt medical treatment. Otherwise, the insurance adjuster will likely argue that your injuries aren’t serious. Your health insurance should cover any necessary medical treatments, and your insurance company can be repaid out of any future vehicle accident settlements you may receive. To protect your right to compensation, consult an attorney as soon as possible. To learn more, contact the Injury & Disability Law Center by using the form on this page.
What is the Compassionate Allowances program?
The process of qualifying for Social Security disability benefits can be extremely long and difficult. Compassionate Allowances are used to identify medical conditions that qualify for Social Security disability benefits, expediting the application process in order to provide benefits as quickly as possible.
How Compassionate Allowances Can Help
Social Security provides disability benefits for those individuals who have medical conditions that prevent them from working. These conditions primarily consist of some types of cancer, brain disorders, and rare childhood illnesses. The Compassionate Allowances program is designed to identify these types of claims, and help families in need by providing:
- Quick approval. Generally speaking, applying for Social Security disability payments is a lengthy process. The application itself is long and complicated, requiring numerous medical documents and testimonies regarding the victim’s condition. The decision process may then take as long as 6 to 12 months. Compassionate Allowances expedite this process dramatically, allowing families to receive the compensation they need while the remainder of the application is still being processed.
- No extra work. The Social Security disability application requires extensive documentation of the applicant’s medical condition. However, applying for a Compassionate Allowance doesn’t require any extra effort. When the Social Security office reviews the disability claim, they will refer to a list of Compassionate Allowances to determine if the applicant has a qualifying disorder. If so, the applicant will start receiving payments as soon as possible. These payments typically begin anywhere from just a few weeks to a couple of months after the application is filed.
- Retroactive payments. Qualifying applicants are entitled to receive retroactive pay for the period between the genesis of their disability and the approval of their application.
Qualifying for Compassionate Allowances
Speaking with an experienced disability attorney is the best way to determine eligibility for a Compassionate Allowance. He can help you complete applications, keep paperwork organized, and guide you through the appeals process, if needed. To learn more, contact the Injury & Disability Law Center by clicking the Live Chat button on this page.