loader from loading.io

017: Disability Income – How To Do It Right and Avoid The Many Pitfalls

Absolute Trust Talk

Release Date: 10/02/2018

054: How to Use Reverse Mortgages as a Financial Tool show art 054: How to Use Reverse Mortgages as a Financial Tool

Absolute Trust Talk

In a new episode of Absolute Trust Talk Live, Kirsten welcomes Home Equity Retirement Specialist Russell Doi to the studio. He has seen firsthand how the incorporation of a reverse mortgage in retirement has had a dramatic positive impact on the lives of over a million senior homeowners. Today you will hear more about what a reverse mortgage is, how it can be used as a smart financial tool, how to determine how much is available to you, and more. Tune in now, and share this episode with your friends!

info_outline
053: Planning For Young Families show art 053: Planning For Young Families

Absolute Trust Talk

In today’s episode of Absolute Trust Talk, we sit down with Michael Strohl, CFP from Open Advisors, who is an expert in working with young families. You don’t need to have a large investment portfolio to get started, but you do need smart financial advice and know-how when prioritizing. No matter what stage of planning you are in, Michael’s advice will help get you started down the right path or shift the focus of where it might need to be. Tune in now and share this episode with your friends.

info_outline
052: Estate and Financial Planning with Life Insurance  show art 052: Estate and Financial Planning with Life Insurance

Absolute Trust Talk

In a new episode of Absolute Trust Talk LIVE, Kirsten welcomes MassMutual Northern California Financial Planner, JP McDermott, MBA, ChFC, CLTC. As we dive into this topic of estate planning, financial planning, and life insurance, we will discuss topics like how to pay estate taxes with life insurance, the value of life insurance in blended families, business, and how the election results may impact our planning.

info_outline
051: Financial Planning for Women in Transition show art 051: Financial Planning for Women in Transition

Absolute Trust Talk

In a new episode of Absolute Trust Talk LIVE, Kirsten welcomes guest Mary Ballin. Mary is a Certified Financial Planner™ as well as a Certified Divorce Financial Analyst® (CDFA®) with more than 20 years of experience helping women navigate substantial life transitions. Mary is an endless resource sharing what it is a CDFA® does, provides statistics on the confidence gap between women and men, and highlights some of the most common challenges and concerns that women face on their journey.

info_outline
050: Phishing for More: What You Need to Know About the Latest COVID Scams show art 050: Phishing for More: What You Need to Know About the Latest COVID Scams

Absolute Trust Talk

In a new episode of Absolute Trust Talk LIVE, Kirsten will review some of the latest scams that have made their way onto the scene and highlight some important things you can do to protect yourself and your family. It’s more difficult now, but more important than ever to stay connected – especially to our senior family members. We hope you will take the time to listen and share this episode with your friends, family, and loved ones. 

info_outline
049: The Elder Care Journey – Part 3: Emergency Preparedness show art 049: The Elder Care Journey – Part 3: Emergency Preparedness

Absolute Trust Talk

In this new episode of Absolute Trust Talk LIVE, Kirsten takes a look at part three of the elder care journey, which dives into the details of disaster and emergency preparedness. Kirsten will review the basics of how a facility plans and provide a short checklist of what questions you should consider asking when it comes to your loved one's safety. These days, disasters can happen at any place and at any time. Share this episode with your friends and family, and let's keep our loved ones safe.

info_outline
048: The Elder Care Journey – Part 2: Incapacity Planning show art 048: The Elder Care Journey – Part 2: Incapacity Planning

Absolute Trust Talk

In this new episode of Absolute Trust Talk LIVE, Kirsten takes a look at part two of the elder care journey. She discusses some real-life scenarios in which incapacity planning has been vital to take proper care of a loved one who can no longer make decisions for themselves legally. No matter what type of plan you have in place, incapacity is something that everyone should address because you just don't know when something could happen.

info_outline
047: The Elder Care Journey – Part 1: Different Types of Elder Care Explained show art 047: The Elder Care Journey – Part 1: Different Types of Elder Care Explained

Absolute Trust Talk

In a new episode of Absolute Trust Talk LIVE, Kirsten discusses part one of the elder care journey that organizes and breaks down the different types of care available. We will discuss different scenarios, how each level of care applies, and, most importantly, how to pay for the different types of care needed.

info_outline
046: How to Get Your PPP Loan Forgiven show art 046: How to Get Your PPP Loan Forgiven

Absolute Trust Talk

In a new episode of Absolute Trust Talk LIVE, we are happy to welcome guest Ed Gines, PPP Loan expert, and founder of Strategic CFOs. As the top resource supporting small business leader clients with high-level accounting supports and insights, Ed brings a wealth of information on each step of the PPP Loan forgiveness process like specific time limits, forgiveness percentage calculations, income caps, and more.

info_outline
045: California Exit Strategy: Trends, Moving Planning, and More show art 045: California Exit Strategy: Trends, Moving Planning, and More

Absolute Trust Talk

In a new episode of Absolute Trust Talk LIVE, we are happy to welcome guest Scott Fuller, relocation expert and founder of LeavingTheBayArea.com. As the top resource for helping clients navigate the moving process systematically, Scott brings a wealth of information on the type of moving trends in the Bay Area and across the state.

info_outline
 
More Episodes

In episode 17 of Absolute Trust Talk, Kirsten welcomes Kantor & Kantor, LLP partner Michelle Roberts into the studio. Michelle has focused her entire career on helping claimants win disability claims under employer-provided disability plans. She is also a specialist in the act that governs disability benefits provided by employers, known as ERISA, which stands for the Employee Retirement Income Security Act of 1974. In this episode, she highlights the most important tips, tricks, and strategies surrounding all things disability income.

Kirsten and Michelle begin by talking about the different types of disability income. They later discuss common mistakes that people make when filing for disability, and why it’s crucial for someone filing for disability to seek an attorney’s advice. Then Kirsten and Michelle break down the multitude of ways in which claimants can get into trouble when their claim gets denied, limitations that people might not realize about disability policies and what types of disability are covered by private plans.

 

Top Takeaway from Episode #017:

  1. If you do have a denied disability claim, seek legal advice before you move forward – there are too many pitfalls that could cause even more damage.

 

Time-stamped Show Notes:

2:30 – Michelle starts by discussing the different types of disability income benefits that are available

5:40 – Because the focus of the show is on private benefits, Michelle highlights what ERISA is and how it governs disability income benefits

9:47 – Kirsten asks Michelle to share some of the most common mistakes she sees people make when they are trying to get disability from employers

13:20 – Why it’s important for someone filing disability to talk to an attorney before going it alone and getting the process started

18:05 – If a claim initially gets denied, but the appeal gets approved, does the claimant get the full amount they were originally pursuing?

19:50 – Michelle discusses how “pre-existing condition” applies to the disability world

22:00 – Kirsten asks Michelle, “Are there other limitations buried in these policies that people need to know about?”

26:00 – It sounds like an expensive process of pursuing legal help to apply for disability in the right way. Is that a deterrent for people?

27:25 – Michelle discusses what types of policies are covered by private policies

 

Episode #017 Freebie:

Filing for disability might seem straightforward, but what many people don’t realize is that it is much trickier than, “My doctor says I’m injured and can’t work.” Absolute Trust Talk guest and disability expert Michelle Roberts is sharing with listeners a vital planning tool called A Guide to Disability Benefits. This straightforward blueprint lays out the different types of disability benefits and walks you through the steps to pursuing a disability claim not just the right way, but also the smart way. Click here to download your copy of A Guide to Disability Benefits.

 

Resources/Tools/Links Mentioned In This Episode:

Michelle’s Blog – Your ERISA Watch: www.erisawatch.com

Michelle’s Guest Blog Appearance on Absolute Trust Counsel Blog: What’s In Your Medical Records?  The Importance of Doctor’s Notes to Support Long-Term Disability Claims Under ERISA