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

089: Why Your Family Might Need Lifestyle Insurance and the Latest Opportunity Benefits show art 089: Why Your Family Might Need Lifestyle Insurance and the Latest Opportunity Benefits

Absolute Trust Talk

What would happen to your family if you or another primary income earner suddenly became disabled and couldn’t work for an extended period of time? What if they died and their income disappeared forever? Many families would have a hard time paying the mortgage, the property taxes, tuition, and many other expenses involved in a family’s daily life. And believe it or not, the majority of families don’t have an adequate plan to cover all those expenses.   In this episode, Kirsten Howe speaks with independent insurance specialist Todd Wellnitz about different types of insurance that he...

info_outline
088: Incapacity Failures: Plan Ahead So Your Plan Works for You show art 088: Incapacity Failures: Plan Ahead So Your Plan Works for You

Absolute Trust Talk

Though it might seem like you’ve got everything covered within your trust document, estate planning is not just about what happens after you die. Issues can also arise in the event that you become incapacitated. Over the years we have seen all sorts of problems because not enough attention was paid to incapacity planning. If the current plan you have in place doesn’t make it quick and easy for others to step in and take over on your behalf, delays can cause your own health and well-being to suffer. It can also cause confusion and disagreement among family members leading to more time and...

info_outline
087: Driving Assessment for Seniors: Don’t Wait Until It’s Too Late show art 087: Driving Assessment for Seniors: Don’t Wait Until It’s Too Late

Absolute Trust Talk

Approaching the topic of driving with seniors can be one of the most challenging conversations that families face. If a senior has a medical condition, must take medications, or hasn’t driven much in the last few years, it can affect their ability to drive safely. And unfortunately, it’s often up to the family to address these concerns, but it can be difficult to know where to start or what the impairment is. In this episode of Absolute Trust Talk Live, attorney Madison Gunn talks with Melanie Henry of Driver Cognitive Assessment Center (DCAC) about the services and assessments available...

info_outline
086: Trust Failures: Don't Let This Happen to You! (Continued!!) show art 086: Trust Failures: Don't Let This Happen to You! (Continued!!)

Absolute Trust Talk

Over the past few years, we’ve seen an influx of trust administration cases. And with nearly every trust and every client, there has unfortunately been some sort of planning failure. Some of them are small, easy fixes, while others are bigger challenges that cost more time and money. The worst part is that they could have been avoided if the right thought process and planning were in place from the start. It’s true there is a lot to think about when it comes to setting up your trust and estate plan, but to truly protect your legacy and beneficiaries, you must think through a variety of...

info_outline
085: Estate Planning Changes Late in Life: Is it Real or is it Elder Abuse? show art 085: Estate Planning Changes Late in Life: Is it Real or is it Elder Abuse?

Absolute Trust Talk

Often, when an older adult modifies their estate plan, they are doing it of sound mind because of a change in their wishes. However, there are instances when an older adult makes the change because they are being pressured by someone who is taking advantage of their vulnerability and trust. Unfortunately, this happens more often than not. In the legal world, this is referred to as “undue influence,” which is considered a form of elder abuse. In a new episode of Absolute Trust Talk, host Kirsten Howe is joined by RMO LLP’s founding partner, Scott Rahn. Scott’s firm is a national probate...

info_outline
084: Medi-Cal for All show art 084: Medi-Cal for All

Absolute Trust Talk

Did you know that as of July 1, 2022, there will be some significant changes in the eligibility rules for Medi-Cal? Medi-Cal is the California implementation of Medicaid and something that many people depend on. Unfortunately, if you need Medi-Cal help now, these changes won’t be rolled out in time. But if Medi-Cal is something you’re planning on down the road, then these new law changes may help. Many more Californians will qualify for this support to help pay for nursing home care without spending down their assets or doing complicated asset transfer planning. In a new episode of...

info_outline
083: Living Better with Parkinson’s Disease show art 083: Living Better with Parkinson’s Disease

Absolute Trust Talk

Picture NBA player Brian Grant, known for his tenacity and fearlessness on the court. After pushing his body through conditioning, training, and contentious games, he learns he has Parkinson’s disease two years into retirement. Naturally, this came as an enormous shock. However, Parkinson’s is the fastest-growing neurological condition in the world. In fact, by 2040, the number of people living with Parkinson’s is set to double. Once Brian learned how to navigate living with this disease, he launched The Brian Grant Foundation (BGF) to “help people become their best, even when it seems...

info_outline
082: A Unique Program for Veterans show art 082: A Unique Program for Veterans

Absolute Trust Talk

As we age, the goal for many of us is to stay in our homes for as long as possible. Sure, we might need some help down the road, but we’ll cross that bridge when we get to it, right? That sounds great in theory, but we don’t think about all the extra costs and the challenges we may face in obtaining home care. Often, calls are made to home care services with urgent requests for help, but knowing what benefits and aid might be available in advance can help you plan and even improve quality of life by avoiding urgent health care situations – this includes veterans and their families. In...

info_outline
081: Navigating Senior Transitions show art 081: Navigating Senior Transitions

Absolute Trust Talk

Life is full of changes, and we all experience transitions that can impact our lives in significant ways, whether they are big, small, planned, or unplanned. As an older adult navigating a journey in aging, adjustments often bring on feelings of anxiety and stress, even if they are positive. Whether you’re retiring and slowing down, grieving the loss of a spouse, or moving to a new community that will better meet your lifestyle needs, it can be a challenge to integrate and meet new people. In a new episode of Absolute Trust Talk Live, Kirsten is joined by guest Penny Reed of Rossmoor...

info_outline
080: Music as Medicine show art 080: Music as Medicine

Absolute Trust Talk

If you take a look around the next time you’re out in public, chances are you will pass by at least a handful of people with their headphones in. And while there may be many catching up on their favorite podcast, there are just as many that are getting down or chilling out to their favorite tunes. It’s not hard to notice that music can indeed change your mood, like discovering a new song on the way to work that can make your whole day. Or, feeling the nostalgia when you hear the Breakfast Club soundtrack that makes you want to punch a hand up in the air. Music plays a large part in our...

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