Top 5 Things To Know About Your SS Hearing


Video Transcription:

Hi, my name is Andrew Kinney.  I practice Social Security Law at Hoglund Law offices.  Today I wanted to talk about the 5 top things you need to know about your Social Security hearing.

Number one:  Why do you have a Social Security hearing?  Well at the Social Security process you have an application, reconsideration, and then you get to a hearing.  The hearing is different than the prior 2 stages because at the hearing you get to talk to the decision maker.  Who is the decision maker?  A judge.  You talk directly to a judge about your medical problems. The hearing itself can be an informal process. It’s a private conference room in which you can explain your situation and your day-to-day limits to someone.

The next thing you know: Two.  Who is at the hearing?  There’s the judge that I mentioned, you’re certainly there, it would be good to have an attorney there to cross-examine the experts.  There’s always, almost always I should say, a vocational expert.  Sometimes there is a medical expert either a psychologist or a medical doctor.  And finally there is a hearing monitor.  That hearing monitor makes sure a hearing goes smoothly.  There can be your family members sitting in back.  Keep in mind that I’m giving general ideas.

The third thing you need to know about your social security hearing is what happens at it? As I mentioned you’re giving testimony at the hearing.  You’re talking to the judge under oath about why you can’t work and specifically how you’re limited.  The medical records tell the judge what’s wrong with you. But, you’re saying well here’s how much I can lift, here’s how much I can carry, here’s how much I can walk, here’s how my depression affects my daily life, here’s how many anxiety attacks I have per month, or per week. There are many reasons people can’t work. The medical reasons involve functional limitations.  Keep in mind these is a video on what’s called an RFC about that topic.

The fourth thing you need to know about your hearing, how long is it?  Well that’s easy.  Generally hearings are between a half hour and an hour.  Now, that can vary as well.  In the hearing there is at least one expert, the vocational expert. The judge will ask you questions, then your attorney will ask you questions. Then the judge turns to at least the vocational expert ask questions and your attorney follows up with that as well.  The attorney should give a closing argument.  Hearings last about an hour, but different judges have different styles, and these judges are federal judges and whatever style they have its their hearing.  Just make sure you ask your attorney what’s this judge like?  An experienced attorney will let you know if they ask questions and maybe you need to ask what they mean again.  What’s important is that there is a personality to each of these judges and what’s important for your attorney to do is explain what the judge is like so it helps you have fewer questions at the hearing.

Finally, the fifth thing that you need to know about your hearing is when you get a decision.  I get this question a lot, usually before the hearing.  Sometimes it’s the cart before the horse because you need to get the hearing done first but it’s good to know what happens next.  Generally decisions are made between 2 and 4 months after the decision is in writing but there are exceptions to that, some judges use what’s called bench decisions. That would mean that you would get a decision from the judge, on the record at the hearing. Generally those are always favorable decisions.  But, ultimately you get a decision in writing after the hearing.  And if you have an expectation you can always be surprised if these is a decision that comes sooner.

Hopefully these 5 things you need to know about your Social Security hearing was helpful.  If you have more information about what to expect at a Social Security hearing, I happen to write a guide called a client’s guide to Social Security hearings.  You can just look at the search with those as search terms.  Look under client guide to social security hearings and hopefully you see the Hoglund law guide that shows a step-by-step more detailed than this video.

If you have more questions about just wanting help with your Social Security claim, about applying or appealing were happy to talk with you, you can call us at 1-800-850-7867, the number on our screen.  If there is any way we can help you we want to.  Thank you.

 

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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5 Reasons To Get An Attorney – Handling your own Social Security Case


Video Transcription:

“Hi, my name is Andrew Kinney.  I’m an attorney at Hoglund Law offices.  I practice Social Security Disability Law.  I also help people with supplemental security income, otherwise known as SSI.  Today I wanted to talk about why it may not be in your best interest to handle your own social security case.

Well, I have 5 reasons.  First, when you apply, it’s very important is that your application is complete.  You can apply online or in person or you can apply over the phone.  What you don’t know though is, is everything in?  Do they have all the information they need?  And ultimately, did I choose the right date when I said I first couldn’t work?  That isn’t always obvious.

The second reason why you may not want to handle your want social security case is that you have to appeal at every step within a certain deadline.  So you have an application stage, a reconsideration stage, a hearing stage, and what’s called the appeals counsel after the hearing stage.  There are deadlines between each of those stages, and if you miss those deadlines you perhaps could have good cause. But, generally you cannot expect to do anything but start over if you miss appeals.

A third reason why not to handle your own social security case is that during the process you can get input from doctors beyond medical records.  What form of input would help?  What do doctors need to comment on?  How can doctors comment on it?  Who gets it if you get a letter form a doctor?  Are there better forms or charts that would otherwise be available?  These are issues that a lawyer can help you with.

A fourth reason to perhaps why not handle your social security case on your own is one of the two most important reasons.  The fourth reason is that you’re at a hearing.  The judge is a federal judge, you’re in a private conference room, with a tape running.  You’ve given a testimony, the judge is a trained lawyer, there is generally always a job expert in there trained in social security law, wondering whether you can do work, there may even be a medical expert in there talking about your own medical records and wondering whether the standards that disability has are met.  So if you think about it, you’re in a hearing and you have to give your own testimony about why you don’t feel well, why you’re disabled, why you haven’t returned to work and what work you worked for.  You have to be ready to cross examine these experts.  So keep in mind that if you want this kind of help, if you want a trained attorney that does hearings all the time, it’s easy enough within reason to try to hire someone late in the game.  But don’t wait any later if you decide you need a lawyer.

The fifth reason and I would think the biggest reason that you should perhaps consider not handling your own social security case is that you don’t feel well.  If you have a medical problem particularly a psychological problem or maybe chronic pain that affects your ability to concentrate, handling your own social security case alone is very, very difficult enough, let alone not feeling well.  So, if you keep that in mind, knowing that you don’t feel well, feel free to call our offices at www.HoglundLaw.com.  You can also call us at 1-800-850-7867.  Thank you.”

 

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Adaptative Functioning


Video Transcription:

Hi, my name is Andrew Kinney.  I’m an attorney at Hoglund Law offices.  I practice Social Security Disability.  Today I’m going to talk a little more about cases involving borderline intellectual functioning.

I have a previous video that discusses the basics of how social security uses definitions of disability to defining impairments with IQ scores.  What I’m going to talk about now is more specific, adaptive functioning.  Adaptive functioning is claimants have been able to survive and actually thrive in a work environment.  That’s a good thing, but that doesn’t always happen.  So if you are pursuing social security benefits on borderline intellectual functioning, or social security calls it mental retardation under listing 1205 C, It is very important for your attorney to know that we have evidence of adaptive functioning.

functioning, because if an individual has shown, despite the work history, they only worked alongside family members or close friends with understanding bosses, they may not have adapted properly. So in those situations, if someone has not adapted then that would be evidence of it, and so I would perhaps have a family member testify at the hearing, that they helped them get the job, they showed up at the job during lunch, they had interactions with the boss.

It comes down to this:  Sometimes jobs that people do look like they’ve adapted and can function well, and that’s a good thing, but sometimes the actual job the way its performed is more toward sheltered workshops or sheltered work.  That sort of work is done with direct supervision and its different than competitive work.

There are other examples of where adaptive functioning comes into play.  For instance, if they went back to school and learned a specific skill or not.  There are also questions about day-to-day activities.  Reading the paper, basic functions, taking the bus.  There are a lot of other examples about what adaptive functioning actually is and it’s important at hearings to get evidence of it.  If you have further questions about adaptive functioning, borderline intellectual functioning in general, or just about getting benefits for social security disability please feel free to call our offices at 1-800-850-7867.  You can also go to www.HoglundLaw.com.  Thank you.

 

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Dismissal of a claim – Administrative Law Judge – Social Security ALJ


Video Transcription:

“Hi, my name is Andrew Kinney.  I am an attorney at Hoglund Law offices.  I practice social security disability law.  Today I wanted to talk about dismissal of hearings by Administrative Law Judges, otherwise known as ALJ’s.

When you apply for social security disability, there could be a big difference from the time you apply to the time of your hearing.  Sometimes as much as 2 years or more depending on the area you live. By the time you get to your hearing you would have gotten a letter roughly 3 weeks in advance stating the time and location of your hearing.  Well, people often relocate and can even lose contact with the attorney that’s helping them with their social security claim.  So, sometimes we have dismissals of hearings by the SSA when someone doesn’t show up for their hearing.

Now I wanted to distinguish dismissals from withdrawals from hearings.  Withdrawals would mean if someone is helping you with your social security claim and you decide that it’s in your best interest to not pursue the hearing, for instance if there’s not enough evidence and the attorney has given you good legal judgment on that.  Sometimes you withdraw your hearing request and you re-file and start over and the last denial is the reconsideration denial.  This is different. If you have a dismissal. That means that you didn’t show and there was no explanation why you didn’t show.  If you have an attorney, you technically have a right to protect your right to a hearing by having the attorney show on your behalf, but at some point for you to get a proper hearing, it will be important to be able to appear at your hearing because there would be at least a rescheduling of one hearing.

So, if you have a dismissal of a hearing and you’re wondering what to do, the first thing you should do is call the hearing office.  Also, call your attorney, if you have one, and find out what to do.  Now there are some factors that are hard to quantify. For instance, if it’s over a year that you’ve missed your hearing and you’re first learning about it I have not had any experience where someone has been able to get a new hearing.  But, if it’s within a certain amount of time since you’ve had your hearing and you’ve missed it, what’s very important is that you have an opportunity to offer what’s called the cause.  Here’s why I missed my hearing, here’s my circumstances, it could be family emergency, it could be homelessness, it could be many factors.  But, what the judges need to allow a new hearing and avoid a dismissal is a good reason to miss your first hearing.  If you have an attorney that’s helping you, they will get involved.

Last winter we had examples of the snow being too bad to be able to get in to a hearing.  Or, an inordinate amount of traffic.  If there are some more practical reasons you couldn’t make it on time to your hearing those may have a better chance of getting a hearing rescheduled.  So if you have a hearing dismissal letter or at least the threat for it, make sure to respond right away.  If you find that it’s too late and you lost your right to a hearing, what you can do is re-file a new case, get an attorney, and help them re-open the prior case.

So, that can take a lot of time. But, it is the best thing you can do to make up for what would be lost back pay.  If you have more questions about dismissals from administrative law judges, or just general questions about social security disability feel free to call our office at 1-800-850-7867.  You can also visit www.HoglundLaw.comWe also have other videos about different subjects to help you.”

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Social Security Disabiltity Listed Impairments Information


Video Transcription:

“Hi, my name is Andrew Kinney.  I’m an attorney at Hoglund Law offices.  I practice Social Security Disability law.  Today I wanted to talk about listed impairments.

What does that mean?  Well in the world of social security law, social security takes any medical reason that you might be unable to work full-time and they define it.  There are certain levels of problems you can have either physically or emotionally that if they’re bad enough with enough measured criteria, you could be by definition disabled, so listings are essentially definitions of disability.  On our website at www.HoglundLaw.com we go through some of those definitions of disability and you can also find those on the ssa.gov website as well.

What does it matter that you have a listed impairment?  If you may have a listed impairment then you want to make sure that your doctor has perhaps documented this well or even written a letter laying out why it meets the definition of disability.  That could really make or break a case.  Otherwise if someone is not by definition disabled under the listings, you have to prove you are unable to perform past relevant work. We have a video on past relevant work.  So if you understand what a listed impairment is or a listing you can understand that its social security’s way of saying that you get a pass, you’re approved.

There are two ways you can meet the definition or at least be approved under a listing.  One is called meeting a listing.  All the elements of a listing laid out by the law are all in your medical record.  An alternative way that you can do that is what’s called equaling a listing.  If you’re at a hearing and there’s a medical expert testifying whether you meet or equal a listing that’s what that means, and ive even recently done this, you can argue why doesn’t my client equal a listing?  Equaling means that you don’t meet all the criteria but you meet most of it.  That’s very important, and allows a little fudge room.  If you have more questions about listings or more questions about help an attorney help you with ym case, feel free to go to our website at www.HoglundLaw.com.  You can also call us a 1-800-850-7867.  Thank you.”

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Testimony Of a Medical Expert In a Disability Claim


Video Transcription:

“Hi my name is Andrew Kinney.  I work at Hoglund Law offices.  I’m an attorney there and I practice Social Security Disability law.  Today I wanted to talk about medical expert testimony at social security hearings.

Social Security has an application process.  From application to reconsideration, and ultimately you need to get denied at those two stages to get to a social security hearing with a federal social security administrative law judge.  When you get to that level the government can opt to have a medical expert testify, get paid by the government, and appear at the hearing.  The testimony may or may not be favorable to you but they are entitled to be in the hearing room while you’re giving testimony and then you can hear what they’re testifying about

Now the question is this: If you’re unsure about hiring an attorney at the lower stages that could be understandable, but at least consider thinking about hiring a social security attorney.  Consider that a hearing itself has a federal judge who is an attorney and it generally always has a vocational expert in the hearing. But you may also find that there’s a medical expert at the hearing.  They would never have met you in person, they would only have viewed your medical records and they will give an opinion on you’re being disabled or not based on just the medical records and at times some of your testimony.

So consider this.  There is medical expert testimony at hearings.  If you have a chance you would want to cross examine that doctor if you disagree with that doctor.  Some people can go to hearings on their own.  That cross examination will be up to you.  I would argue that, at least consider that it would be better to have someone trained that does cross examination of experts on almost every business day.

At Hoglund Law offices were well equipped to help you with not only developing your case and getting approvals perhaps before a hearing, but if you do go to a hearing we sit right with you and we listen to the medical expert testimony when that happens and we cross examine those medical experts about the objective evidence in your medical file.  So, if you want some “piece of mind” just know that if you hire an attorney, perhaps our office or some other office, we will make sure you have an “insurance policy” against a testimony that just doesn’t make sense.

So it important for you to know if you have questions about social security benefits, what hearings are all about we’ve spent some time on our website about hearings in particular.  Feel free to check out our disability library and blogs.  Feel free to check out www.HoglundLaw.com.  You can also call our office at 1-800-850-7867.  Hopefully this video helps and please feel free to make use of all the other materials available to help you.  Thank you.”

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Developing Medical Evidence In A Social Security Disability Claim


Video Transcription:

“Hi, my name is Andrew Kinney.  I’m an attorney practicing law at Hoglund Law offices.  I also practice Social Security Disability Law.  Today I wanted to talk about developing medical evidence for your social security claim.

One of the most common questions people think about when applying for social security is “How can I get approved?”.  Well, the most important thing we tell our clients is you need to regularly treat with your doctors and specialists if necessary.  Why?  Because social security is primarily looking at the medical evidence form you’re treating doctors to make a decision on whether you’re unable to work full-time and it will be expected to last a year.  So, if you think about it, you can write all the forms you want about your particular problems and that is necessary for social security applications and for the later forms that you’ll get, but what’s more important is that you have a relationship with your doctor where your doctor knows what’s wrong and has diagnosed you properly.

So, developing medical evidence in a file is crucial. So, when social security needs to know where records are at the first 3 stages the application, and reconsideration stage, it’s important that you lay out everywhere you’ve had treatment that’s relevant.  Now, as you approach hearing, the third stage of a social security claim, that’s very important that there’s an update from the hearing request all the way through to the hearing day.  That is what your attorney can help a lot with.  Now it’s always important to get all the evidence from your treating doctor that’s given.  What else can you get aside form specific medical evidence from treating doctors that will help you?  Well, that’s where creative evidence comes into play.

There are times when an attorney can get evidence that isn’t from your treating doctor for treatment but is related to your medical condition.  For example, if there’s a VA claim where you’re getting VA benefits, there’s a decision that supports that.  We can get those.  There are other times that you might have a child support hearing where you’re proving you can’t work and your doctor may have signed off on some statement for that.  We can get those.  A lot of people have workers comp claims.  We get that information from those.  Some people have personal injury claims and on and on.  There are records that exist beyond your normal medical records and even records that exist that aren’t even medical records that are important to help your case before and after your hearing.

So an example would be if you keep a journal of seizures. Other people could also write down how often you have seizures if you lose consciousness.   That’s a classic example of a journal that can help your doctor certainly, but it can also be used, and we would submit evidence of that, because otherwise you can necessarily testify about that at a hearing because you may be unaware of the situations.

The idea is, is that there are no holds barred to what you can’t offer in evidence.  What it comes down to is good legal judgment as to what would help the judge make a decision, what would help the judge make a decision and what would essentially be non-essential or irrelevant.  There are also situations after hearings where you can get further evidence.  Until the hearing decision comes in there are times when we might need to fill a gap or a hole that appears based on what happens at the hearing.  In those situations you can get a medical opinion specific to that problem.  We can also get evidence after a hearing if there is new evidence that just comes in or if you forgot about evidence and remembered it.  If there’s ever a time that you forgot about evidence, maybe a visit to a neurologist, a one-time visit. It’s always important to let your attorney know before a hearing, during a hearing, or even after a hearing because what we try to do is get the evidence in at some point in time ideally before the hearing, but in some point in time to allow the judge to consider that in your case.

If you have more questions about how to develop medical evidence and how important legal judgment is in that.  You can also refer to a recent blog on www.HoglundLaw.com that I wrote on that subject.  You can also call our number if you have questions about social security generally at 1-800-850-7867.  Thank you.”

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Taxes On Credit Cards

Don’t charge taxes on a credit card before filing

When preparing to file a bankruptcy, there are a number of things which an individual should not do. One of these is to use a credit card or loan to pay taxes.

If one pays for owed taxes by charging them on a credit card or taking out a loan, the credit card company or creditor will be able to object to the discharge of that debt. There is a rule in bankruptcy that allows a creditor to object to the discharge of a debt that was incurred because a debtor used that creditor’s loan to pay taxes if the taxes were charged or paid within the last year.

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Auxiliary Benefits; In other words, benefits for your dependents


Video Transcription:

“Hi, my name is Andrew Kinney. I’m an attorney at Hoglund Law offices. I practice Social Security Disability Law. Today I wanted to talk about auxiliary benefits. Auxiliary Benefits means, benefits that your dependents get if you’re on disability insurance.
Many of our clients work hard for a long time and then their unable to work. If we can prove that they are unable to work, they get back pay and ongoing benefits through the disability insurance program. An individual getting disability insurance gets a set amount based on the work history and the cost of living adjustments annually.
Now there’s another kind of benefit if an individual like that, one of our clients, has one or more dependent children, and that would be children living in their household, and under 18 is a general rule. If they have one or more children in that status they can get an extra amount sent to them on behalf of the children each month, and also for the timeframe of back pay. Those are the auxiliary benefits. Auxiliary benefits are a formula based on the amount an individual gets for disability insurance and there are no auxiliary benefits supplemental security income. SSI or supplemental security income is purely a need based program. So if you’re getting disability insurance and you have one or more children under 18 at home, you can plan to get more per month. Social Security can lay out how much to expect and your attorney will know at the hearing level, generally, what you might get in addition to your primary insurance amount, what you get per month.
Now, Social Security evaluates disability insurance based on your own benefits. They’ll go through not only the favored decision but they’ll also have what’s called an award letter. That will follow that up and explain what your benefits will be. If you have dependent children, you will get eventually a call from Social Security after they have figured out your insurance amount and at that point they’ll process the fact that you have one or more children at home, and verify where they live. If someone is approved for disability insurance benefits they get their decision that’s favorable, they get their award letter that describes their back pay, at that point, within a short period of time social security should contact them because they might have more children with them. They’ll verify the children are with them and not with perhaps an ex-spouse, and if the children are with them let’s say it’s$100 a month that’s added to the base amount that you get. There will be a $25 check for each of the children. The children essentially share a flat auxiliary benefit amount, and that can be complicated. If one of these four children were living with the mother for example there would be $75 for the three children at your household but there would be one $25 check sent to the other household where the other child is with the mother.

So, you can see that Social Security has some following up to do once you’re approved for benefits. Don’t assume that Social Security knows that you have children. When you apply you state the children that you have, their social security numbers and where they’re living but occasionally we see that that’s missed. Take it upon yourself with a favorable decision, once you get your award letter, to call social security or go to a local office and mention that you would like to begin the auxiliary benefits process.

If you have more questions about the auxiliary benefits process, or about social security disability benefits in general, please feel free to call us anytime at 1-800-850-7867. You can also go to our website at www.HoglundLaw.com We try to make sure that we have as much information as possible to help you.”

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Disability Benefits for Disabled Adult Children


Video Transcription:
“Hi, my name is Andrew Kinney, I’m an attorney practicing law at Hoglund Law offices, and I practice Social Security Disability law in particular. Today I wanted to talk about benefits for disabled adult children.
What that means is that these benefits are based on a parents work history. That means that the parents are either deceased or retired and the child has been proven disabled under social security law before age 22. Examples of this are; if somebody had a traumatic brain injury at age 21 and from that point forward were unable to work and were disabled. The medical question was a given and the timing of the accident was before age 22, in that example, if a parent was disabled then the child could also get disability benefits based on the retired parents earnings record.

So disabled adult children cases are important because the standards are different. When you look at a disabled adult child, were looking at whether currently disabled, but were also looking at when the disability began. So that’s crucial in a disabled adult child case.

If you have more questions about disabled adult child cases or your own disability insurance benefits case or social security security disability in general, please feel free to call out offices at 1-800-850-7867. We also have done our best to make our website as helpful as possible and that’s www.HoglundLaw.com

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Long Term Disability and Social Security

Video Transcription:

“Hi, my name is Andrew Kinney. I’m an attorney at Hoglund Law. I practice in the area of Social Security Disability law. Today I wanted to talk about Social Security benefits and long term disability.

Long term disability is private disability insurance usually paid by an employer. But, occasionally someone can get long term disability policy in the open market. It’s no different than health insurance, some people get it from the employer and then some also pay for health insurance on their own. So, long term disability is not associated with government. There are private insurance companies offering this. Long term disability coverage is good and if you have it, in my book, you are very lucky. The reason is this: If you have long term disability coverage and you get injured at work and you are unable to work, maybe something happened at work or something happened at home, you would be able to get some benefits to replace income when otherwise you would not have been working. How is it important to you?

If you’re in a position where you’re working and you have long term disability insurance offered through work, the first thing to find out if you have it. If you do have long term disability insurance when can you can apply for it. There may be times where there is short term disability and short term generally is 0-6 months after you’re disabled. Not all companies have both short term and long term disability. So it’s good to know what your benefits are as an employee.

If you are making the long term disability insurance claim through your employer or perhaps directly to the insurance company what’s very important is that there’s almost always Social Security offset clause in your long term disability contract. What I mean is the long term disability contract anticipated you apply for Social Security benefits and if approved, you will actually have to pay the long term disability carrier back for those months that you get paid both when social security looks back.

I’ll give you an example that would be helpful. I had a client yesterday that was getting long term disability insurance ad she had to go to a hearing and we eventually proved she was unable to work and she would get 2 years of back pay and those 2 years of back pay would actually go to the long term disability insurance carrier by their contract. And so in a way the long term disability carrier advanced the money on to what eventually became a social security claim.

So not to get to technical here, what is important for you to know? If you have a long term disability claim you will generally be contacted by that disability insurance company to get representation to apply for Social Security. In fact it’s generally mandatory that you do that to be able to get long term disability benefits.

Who can help you? Well, you can make your own choice as to who represents you in at least the last ten years I’ve seen a change in the long term disability industry. They used to allow attorneys to help clients get on Social Security Benefits, attorneys like myself. So over time there have been non-attorney processing firms that I’ve seen that have taken over and have gotten group contracts with long term disability carriers. So if you want an attorney to help you, you have a right to hire anyone you please if you have a long term disability claim and any money, a quarter of back pay, something that would go to the attorney, is not something that would go to the long term disability insurance carrier.

So hopefully if you have this situation this video helped but if you have more questions about long term disability and how it impacts social security disability claim you can call 1-800-850-7867 or you can feel free to get information on our website that’s right below. www.HoglundLaw.com

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Bankruptcy Will Not Discharge Student Loan Debt; in most circumstances.

Recent college graduates are facing a tough job market in the United States. Unemployment for young people in this country is at 14.5%. Many students graduate with a significant amount of student loans. This leaves many graduates struggling to make ends meet.

Approximately two-thirds of students graduate with student loan debt, and the average debt amount is $24,000. However, around 7,000 students have over $100,000 is student loan debt. Since 2008, over 500,000 students have defaulted on their student loan debt.

Filing for bankruptcy may not completely solve the problem of student loan debt. Student Loans cannot be easily discharged in bankruptcy. It is necessary to initiate a trial within the bankruptcy case called an adversary proceeding to have the judge issue a specific order stating the student loans are discharged. Such a trial can be expensive, with no guarantee that the judge will discharge the student loans at the end of the trial. Success in dealing with student loans outside of a bankruptcy case can vary. The type of student loan can make a difference. Federal loans typically offer more flexible repayment terms than private ones. Private loan terms are often non-negotiable, have variable interest rates and offer no protection for consumers. Many students do not know the difference between federal and private student loans when they sign up for the money.

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Date Last Insured (DLI)


Video Transcription:

“Hi, my name is Andrew Kinney. I’m an attorney at Hoglund Law offices, and I practice Social Security Disability Law. Today I wanted to talk about DLI, or date last insured.

Sometimes, the clients that we help have good questions about what the date last insured is. It is extremely important to Social Security Disability cases. So first I’ll start with what is DLI or date last insured. When people work at a job for a number of years, they’re not only getting their paycheck, but they are also paying into social security disability insurance system; the federal disability insurance program. When someone stops working, they stop paying in to the system. So eventually when someone stops paying their premiums they aren’t insured anymore. That is the date when they’re last insured for disability insurance benefits.

So if we are to look at this as an analogy, if someone is paying car payments and they pay every month and they stop making car payments eventually they are not insured if they get in a car accident. Same idea here; If you work and stop working roughly after 5 years after you stop regular work (It can vary) when you stop working, you eventually are not covered and you have to prove you are unable to work on or before that date last insured.

So that’s what date last insured is. It comes from your earnings record and how many quarters of coverage you earn (up to four per year). It gets kind of technical but it’s automatically figured out for your social security claim. It’s very important for an attorney, and I’ll explain now how it applies to you. With a Social Security disability claim, one of the first things our attorneys look at is your date last insured.

Sometimes, it’s in the future and sometimes it’s not. If it’s in the future it’s not an issue, if it’s in the past it’s a horrific issue. Then we would look in your case to see if the condition was disabling under the law, on or before that date. Let’s say that someone stopped working before 2005 and their date last insured was December 31 of 2010 luckily 5 years later. Let’s say they get in a car accident January 1st of the following year. If someone is disabled by that car accident, you’re not insured because you weren’t disabled before your date last insured. So the basic idea is when you have a social security disability claim, the date last insured is very important.

So if you have questions about your case or specific questions specifically about your date last insured feel free to call our offices at 1-800-850-7867. You can also find information at our website that you can see below. www.HoglundLaw.com

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Social Security Disability Attorney Fees


Video Transcription:
“Hi, my name is Andrew Kinney.  I’m an attorney at Hoglund Law offices and I practice Social Security Disability law.

What I’m going to talk about now is attorney fees, something that can be scary for some people.  What people expect when they hire an attorney is that they would have to pay attorney money up front and then also expect to pay by the hour, and that’s understandable because that is how a lot of attorneys work.

Social Security Disability law is different.  One of the things we can do is charge a quarter of back pay only if you’re approved, and then send it to us.  So the essential idea for you is, at least with us, there is no money up front if someone would hire us to help with a Social Security Disability application.

There are some attorneys that also charge out of pocket expenses.  If someone has an out of pocket expense they may be doing that to offset the cost that medical records and things that from state to state can cause some upfront costs.  We do not charge that.  So if you are investigating an attorney whoever you are, you could ask upfront are there any costs other than attorney fees and when do I need to pay them?

One of the elements of attorney fees is that there are some non-attorney firms that do this work.  If a non-attorney firm does this work then one of the most important things you could find out is their experience.  It’s also important to be clear if they’re licensed to practice law in that state.  But if they’re a non-attorney they too can get a quarter of back pay if you’re approved.  It’s very important though to know that if you think about it if someone is going to turn a quarter of back pay, who do you want helping you?  And that choice as to who you trust to help you prove the disability claim which could result in perhaps many years of benefits. It’s important to get someone good.

One good way of finding out someone that’s good is to talk to an attorney that you may know in the field and get some people that have experience with an attorney.  So as far as attorney fees go I wanted to mention one more thing.  Attorneys are not allowed under current Social Security regulations from charging any outside fees; they cannot charge you hours beyond the allowable amount.  In other words you won’t pay a quarter for attorney fees and then find out you have some other bill.

There are rare situations where if someone has an attorney and the attorney charges hours.  You need to be upfront with an attorney and say I only want, or at least this is what I would recommend, to pay a quarter of back pay and nothing else.  There are some law firms that hold the right to also petition for fees if they don’t get any back pay and you can in a hole depending on your situation.  If you’re reviewing a contingency fee agreement that allows a quarter of back pay to be paid, be very careful in looking at it because that’s a legal document.  If there’s anything about being able to charge per hour that’s built in if there are not enough fees to satisfactory to the attorney, you may wish to question that and wish for that to be crossed out.

Hopefully this information helps.  If you have more questions about attorney fees please feel free to call our offices if you wish at 1-800-850-7867.  You can also look at our website that’s below.  Hopefully that has some useful information for you.  Thank you.”

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Homelessness through the Social Security Application process


Video Transcription:
“Hi, my name is Andrew Kinney. I’m an attorney practicing Social Security Disability Law and Supplemental Security Income law at Hoglund Law offices. Today in this video I wanted to explain a broad topic, a very difficult topic, but one that requires discussion.

Today I wanted to talk about how you handle homelessness through application process. Homelessness is an issue that essentially, for whatever reason, makes someone hard to get a hold of. We have a lot of clients, at least a fair number of clients, who have difficulty (for obvious reasons) being able to maintain a residence or finding somewhere else to stay. One of the elements of homelessness that I’m addressing here is if there’s mental illness or physical illness that’s caused homelessness .

What’s very important if at all possible is to work with the county and particularity a case worker. Case workers can know where shelters are they can know where other places where someone can stay for a longer term.

So this video addresses not only is people that have difficulty maintaining where you live but also if you have a family member with this problem that might have a medical problem and needs to apply for social security or already has. Also this is for case workers in general.

So I would say this: It is very important to get an application in. For social security there is no spontaneous application that happens. If it’s very clear for instance that someone has paranoid schizophrenia it’s very clear that someone may need social security benefits, but until that application is submitted, social security won’t necessarily know where they are.

There have been some initiatives in the past to try to find out and seek out people that have difficulties with homelessness with mental illness or physical illness. But those initiatives you can’t rely on. What is very important, again, is if you know someone that needs help or if you need help medically make sure to treat with a doctor and make sure to get regular medical care. That’s easier said than done depending on the state you’re in. Using the example of schizophrenia or perhaps depression. If you don’t treat then there won’t be enough proof generally to prove that you have the disability. Social Security looks at medical records. If someone is homeless, understandably they have difficulty getting to doctor’s appointments, let alone even knowing when they are going to have their next food.

So cooperate with a case worker and make sure the case worker is helping coordinate where you are.  If you have our law office helping you it’s very important to give us contact information of where other family members are, even if they are out of state. It may be that they know where you are. The last thing that we want is a client who applied and we can’t find them, its basically heartbreaking. So make sure that there are multiple contact sources for you or for the person that you’re helping.

So with regular medical care and an attorney’s office doing appeals for you, even if we can’t find you we can do what’s called a protective appeal. It’s not ideal, but in the short span of time there is an appeal necessary we may go online and appeal for you just to keep your case going, and we will continue trying to reconnect with you if we’ve lost you. So if you know that you have a pending case going know that social security won’t necessarily know where you are. At minimum, if you are on your own make sure to go to local social security office and maybe get a status update on your case. Social Security may allow you to continue your case if you had been denied and didn’t know about it.

So there are a lot of legal issues here particularly involving notice of denials that come into play. So if you want help from a law firm that cares, and that’s Hoglund Law offices, feel free to call our office number at 1-800-850-7867. You can also find us at www.HoglundLaw.com So good luck and hopefully you get the benefits that you need to be able to survive.”

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Social Security Disability Case Law: Supplemental Security Income (SSI)


Video Transcription:
“Hi, my name is Andrew Kinney. I’m an attorney at Hoglund Law offices. I practice Social Security Disability law and I practice supplemental security income law.

Today I wanted to talk about an important topic, Case law. What I mean by that is Federal Case law. The social security administration disability program follows federal case law. What I mean is it’s a federal program, and even though the state agency and social security ultimately at a hearing make decisions internally as an agency ultimately they have to follow federal court law. Federal courts have different circuits spread out across the country. They also have specific courts for specific areas. What I’m telling you is you have case law that may apply to your social security case. That’s why if you have a lawyer it important to ask if there’s any federal case law in my favor.

Now there are other laws, certainly, that take precedence. If there are regulations in your favor form social security itself those are most important. There are also rulings. Those are rules that the judges have to follow in a hearing. There are also POMS. Those are code words for how social security processes your case at lower levels. There are a lot of different things to track but ultimately case law is where the trends show. I meet with local attorneys and meet on a national level as well about case law and about things that apply to my clients here and may apply to my future clients.

If you have questions about whether you should have an attorney in your social security hearing or even helping you apply for benefits forward keep in mind that only an attorney is licensed to practice law and only an attorney can give legal advice, particularly about case law. Think again, too, that there are times that federal case law is cited in front of a federal judge at a hearing.

With these things in mind, if you’re unrepresented or perhaps are wondering about what sort of help you might need, know that the people that help you need to know this federal case law, whether an attorney or not. If you have more questions about social security benefits in general, hopefully we can help you. Feel free to call Hoglund law offices at 1-800-850-7867. You can also visit our website at www.HoglundLaw.com. Thank you.”

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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How to Understand Debt and Avoid Problems

Despite all the negative headlines, debt is not always bad. Good debt can allow people to do what they otherwise could not, including, going to college, or buying a house or car. Bad debt is used to make purchases that are not necessary and purchases the borrower cannot afford. One way to determine if something is good debt or bad debt is the interest rate. Generally, good debt is more affordable and can be tax deductible. There is an additional type of debt in-between good and bad debt, which can be referred to as “convenience debt.” This debt represents the monthly credit card balance that builds up because it is easier to pay for purchases with a credit card. Convenience debt should be paid off on time each month to avoid interest charges.
It is important to remember that the fastest way to get out of debt is to pay off the most expensive debt first. Therefore, if you are behind on more than one credit card, you should put the most money toward paying off the most expensive card and pay the minimum balance on the others. Another important step is to take care of your credit report and credit score. To maintain a high credit score you should pay bills on time, pay down credit card debt to below 10% of the card’s limit, do not apply for new credit cards or close credit card accounts, and maintain a history of paying phone and utility bills on time.
If debt becomes overwhelming or something occurs that will make repayment more difficult, inform creditors of what has happened. Many companies will be willing to work with you by lowering interest rates or fees, extending the term of the debt, or reducing the amount of debt.

Source:
Jean Chatzky, How To Avoid Debt Problems Before They Start, https://today.msnbc.msn.com/id/31507914/ns/today-money/ (accessed August 1, 2011).

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Social Security Disability Attorney Fee Petitions

Video Transcription:

“Hi, my name is Andrew Kinney, I’m an attorney and I practice at Hoglund Law offices. I do Social Security Disability law for a living. Today I wanted to talk about Fee Petitions.

Most people that need an attorney when they apply for social security benefits, that’s one of the first questions that come up; How do I pay for the attorney? The traditional way that most attorneys in my field get paid is a quarter of back pay, only if you’re approved. So let’s say that you argue that you’re disabled, you get an attorney, you meet with a federal judge, and your approved, and you get a year of back pay, the attorney would automatically get a quarter of back pay to what’s called a contingency fee agreement. That contingency fee agreement has to be approved by the judge and there can be no payments unless the judge approves it on that line.

Now, there are times when someone changes the attorney they want or perhaps they have a non-attorney and they wanna hire an attorney when they decide what kind of background they want for the person representing them. If someone has a contingency fee agreement and you sign up with them and you change your mind which is absolutely within your right, and the new attorney comes on there cannot be two contingency fee agreements. That is usually the situation that fee petitions usually arise from. That’s usually when you see if neither attorneys were to withdraw their request for the 25% they are thrown out and you’ll see what’s called a fee petition.

A fee petition is where you can see an attorney for the fabled decision, or non-attorney, arguing that they put a certain number of hours in your case and they want payment, and it goes through the judge that handled your case and its approved that way. So, technically a fee petition is more like the attorney fees that attorneys are paid, but it’s just only if you’re approved.

So, here’s what you can look for: If you look at the attorney fee agreement, you can look to see if there is language that says if the attorney doesn’t get paid enough I want to petition for fees. If that’s written in there, you can ask to have that crossed out. The reason is this: If your back pay end up being zero, you don’t want to owe any fees, even if you win. So the idea of fee petitions is a backup option generally for the 25% agreement set most attorneys and non-attorneys work off of.

So keep in mind that when you are contracting with someone find out exactly what kind of help that they are going to offer you, and if they’re a law firm, and how they charge fees, and make sure that they are trustworthy and get other opinions about their ability before you sign the bottom line, and hopefully that way you’ll have to switch representatives and you will be happy in getting good help, and perhaps getting a contingency fee agreement, and you’re done.

If you have any further questions about attorney fees, or specifically fee petitions call Hoglund Law office at 1-800-850-7867. Or you can go to our website that’s displayed below, thank you. (www.HoglundLaw.com)”

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Social Security Disability and Children

Video Transcription:

“Hi, my name is Andrew Kinney. I’m an attorney and I practice Social Security Disability Law at Hoglund Law offices.

Today I wanted to talk to you about children’s benefits. Children can receive benefits if for instance; they have a diseased parent that had a work history. In this instance today I’m talking about children’s benefits based on their own disability. The program where children receive benefits based on their own disability is called supplemental security income. It’s a need based program. It’s also known as SSI.

When you apply for a child for SSI benefits one of the first questions Social Security asks is the financial income of where the child lives. So there are some financial need based qualifications to get in the door to be able to have social security evaluate the underlying medical condition.

Also consider that with supplemental security income the child be evaluated when they’re under 18. If on the off chance the child is under 18 when applied then turns 18 before the case is done it will actually be a child and separate decisions will be made for an adult.

The standards are whether the child meets a listing; the medical definition of disability. Or if the child has two marked on one extreme level of domains in six different domains.

If you have more questions about how childhood cases are evaluated or you have specific questions about helping you as attorneys in your childhood claim, please call Hoglund Law offices or go online at www.HoglundLaw.com”

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Who Can Represent You In a Social Security Disability Claim?

Video Transcription:

“Hi, my name is Andrew Kinney. I’m an attorney. I practice Social Security law at Hoglund Law offices.
Today I’m going to talk about who can represent you if you have a Social Security Disability claim.

Technically, anyone can, someone who has not gone to school, has not finished high school, who has not ever read a medical record, or even walked into a social security office. Anyone can technically sign a form and say they represent someone else for a Social Security claim. That’s not so bad if you have a loved one helping you that cares about you, but what is very important is if you’re in a position where you’re deciding you want some professional help then you need to know what your rights are.

Social Security allows non-attorneys to do, and represent people before the social security administration and charge fees. The typical fees are a quarter of back pay, that’s what’s allowed by social security. That’s in the same way of looking at it as attorneys.

Attorneys represent people before Social Security Judges and non-attorneys. So one of the things, if you’re looking at this video, one of the things that you may be presented with is an option of having a non-attorney firm or an attorney firm. It’s absolutely your choice what I could offer or things to think about while you’re making that choice.

First, what is the training of the person that may help you or the firm that may help you? For instance, is it a law firm or is it not a law firm? If someone has training in it, do they have legal training or just regular training? If someone has legal training in this are they a licensed lawyer or not a licensed lawyer? If they are a licensed lawyer, how many hearings does your firm do generally per year? Is this side work or is this what you are primarily focused on when you work? That’s a good analysis to go through for law firms and non-law firms. If you commit to the idea that you are possibly going in front of a federal judge who is a lawyer and having experts be cross examined.

If you’ve committed to the idea of wanting an attorney then you have a right to get an attorney no matter if you have a long term disability policy and they ask that you for representation you are going to choose an attorney thee will be no additional charges for that, because for someone with long term disability, the back pay that goes back, you only pay back, in general how this works, what you pay back.

If someone has general assistance that they are getting welfare and they are requested to apply for social security again you have a choice to get an attorney. So, make sure to follow through with what you know is important because these benefits could be a few years and they could be thousands of dollars at stake.
It’s good to do it right the first time so find a representative you can trust and ask for the qualifications. If you have any further questions about Social Security Law feel free to call our offices at 1-800-850-7867. You can also go to our website at www.HoglundLaw.com

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Filing a Social Security Disability Application Online

Video Transcription:

“Hi my name is Andrew Kinney, I’m an attorney with Hoglund Law offices.  I practice Social Security Disability Law.

This video today is about filing applications online.  Social security allows you to file an application online.  You can also call social security’s 800 numbers.  That has been a traditional way of filing for a long time.  A third way to apply for Social Security benefits is to go to a local office and appear in person.

There are some benefits and drawbacks to this.  The benefit would be convenience.  If you file online you’re able to explain to Social Security what’s wrong, how long you’ve had the problems, and you’re able to on your own at least assert that you’re applying for social security benefits.  But there are some pitfalls to applications online.

The first is, when you’re online, looking for people to help you with it you’ll notice some people may appear to work for the government when they don’t.  There are attorneys and non-attorneys nationally that advertise to help you file online.  So this video hopefully will make it clear that for you, you need to have a game plan.  The game plan should be, if you want to have legal representation we recommend that you have a licensed attorney.  Hoglund Law offices only use licensed attorneys.

The second is, if you wish to file online you can get our help.  It is an option.  We recommend using our help because there are some elements of filing online that are strategic, and the only way you would know is if you get professional assistance from us or our staff.

The other drawback of filing online is that if you’re on your own, you need to keep going online.  If someone is denied there are timeframes to appeal, and what is beneficial that someone is helping you on the front end is that they’re ready as we are to make sure to appeal online for you.

Ultimately filing online is a possibility and it can be done, at least it may lock in when you ask for benefits.  But at any stage of the process, considering social security benefits, if you’ve already applied, or if you’re on appeal, if you would like the help from Hoglund Law offices please feel free to reach our phone number at 1-800-850-7867, again 1-800-850-7867.  It should be at the bottom of your screen.  Also you can look online at www.HoglundLaw.com

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Make part-time sedentary regulations work for you

If you’re under the age of 50 and thinking of applying for Social Security disability, consider
this.

Applicants under the age of 50 must prove they can no longer work – not only their previous line of work but any kind of work, even at the sedentary level. You must prove that, due to your medical condition(s), you are unable to work on a full-time basis due to the inability to sustain eight hours or continuous work five days a week.
The Social Security Administration (SSA) has established two regulations, 96-8P and 96-9P, to evaluate someone’s ability to perform work on part-time basis or a less than sedentary basis. A sedentary job is considered the easiest to perform: You must be able to sit for six hours during an eight-hour day, stand for two hours, and lift up to 10 pounds. Additionally, jobs require employees to be on task, show up for work on time, and be productive.
With these regulations, we can demonstrate how physical and mental limitations would erode even sedentary jobs to the point competitive employment would not exist in the national economy. When basing your argument
on these regulations, however, one must tread lightly when stating your case to the SSA and in front of the judge.
At an administrative hearing, testimony is taken under oath. It is understandable that pride may prevent you from being honest, but it is important to testify honestly. This is especially true when testifying about pain. If someone testifies that their pain is always a 10, it’s likely the judge will view the client as lacking credibility and able to work on a full-time basis. That being said, it important that those testifying at a hearing do not testify about how much pain they are in on their worst days, but a typical day with the use of medication.
Moreover, at an administrative hearing, judges will often ask those testifying about what they are able to do in a typical day. Take time to remember what you are able to do around the house and for how long. If you can clean, how long can you clean for and why do you have to stop? If pain is preventing you from working and you have to take breaks or lay down, give the judge specific time frames. Again, the judge may question how you can maintain employment if you can only complete tasks and responsibilities for a short period of time. The judge will try to determine what you can and cannot perform on a regular basis and specific answers are vital.

Mike Riley, Esq.

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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The endocrine listing is no more; what it means for applicants with Diabetes

On June 7, 2011 the Social Security Administration (SSA) removed endocrine disorders from its listing of impairments used to evaluate whether a claimant is disabled. The endocrine disorders are evaluated under Listings 9.00-9.08. One major step in the SSA’s disability process, especially for claimants under 50 years of age, is determining whether the claimant’s impairment meets a medical listing. For claimants who suffer from Diabetes or other endocrine disorders, it will now be very difficult to obtain benefits via a listing.
In its reasoning for eliminating the endocrine listing, the SSA proffered that “advances in medical treatment in the detection” of endocrine disorders would keep one from meeting the 12-month durational requirement for benefits. The SSA indicated it has been advised by medical experts, that the current listing regarding diabetes reflects only inadequate glucose regulation; and that adequate glucose regulation is achievable with improved treatment options. The SSA indicated that, if the endocrine disorders cause problems of listing-level severity in other organs, they will be evaluated under those other body system listings.

If an attorney is representing a claimant with diabetes, he or she will now have to prove the claimant’s impairments meet another set of listings. For example, if the claimant’s diabetes affects their kidneys enough, they can be evaluated under 6.00 Genitourinary Impairments; or the argument could be made that the claimant’s diabetes effects his or her residual functional capacity enough that the claimant cannot perform work on a regular and continuing basis pursuant to Social Security Ruling 96-8p. If a claimant is over 50, there are a set of medical-vocational guidelines which can also be used in trying to obtain benefits.

The long-term practical impact of this change is yet to be determined; but, in making this decision, the SSA is hypothesizing that everyone has accessibility to proper medical treatment, as well as the intelligence or financial
ability to maintain an adequate diet and administer insulin at appropriate times. The SSA is presuming there are no issues regarding obtaining adequate medical treatment, being able to buy the proper food while on food stamps, and having the knowledge of how to use sliding scale insulin in the most effective manner. Even the American Diabetes Association notes that “diabetes can cause a range of short-term and long-term complications that, separately or together, can severely limit an individual’s ability to work or function.” In its recommendation for changes to Listing 9.08, the ADA stated only that episodes of severe hypoglycemia should be included.

Matt Garner, Esq.

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Bankruptcy & Unemployment: Common Questions & Answers

Oftentimes, the reason for seeking debt relief through a bankruptcy case is the loss of a job.  Speaking with dozens of new clients a week, I have found that a large percentage, are currently unemployed, expect to become unemployed in the near future, or have been unemployed in the previous year.  The following are a few of the recurring questions I hear from clients who are in this situation.

Q:        Can I file bankruptcy if I am unemployed?

A:        Yes.  There is nothing in bankruptcy law that would prevent an unemployed person from filing bankruptcy.  As a matter of fact, a significant number of the clients I represent are unemployed at the time of filing.

Q:        Can I file for unemployment benefits and file for bankruptcy at the same time?

A:        Yes.  One has nothing to do with the other, and we actually encourage clients who would potentially qualify for state unemployment benefits to apply for them.

Q:        Will filing bankruptcy make it more difficult for me to apply for unemployment benefits in the future?

A:        No.  Even if you are working now and expecting to lose that job before or after you file for bankruptcy, the fact that there is a bankruptcy on your credit report will not impact your ability to apply for and receive unemployment benefits.

Q:        Will filing for bankruptcy make finding a job more difficult?

A:        That depends.  If you are applying for government or public sector jobs, § 525(a) of the Bankruptcy Code prevents such employers from denying employment solely on the basis of a prior bankruptcy.  Private sector jobs, on the other hand, do not have the same protections.  Many employers today perform background checks on potential employees, which will reveal the record of any bankruptcies.  It is usually up to the employer whether or not he or she wants to employ someone with a prior bankruptcy.  Some employers may not care at all, while others may consider the bankruptcy a bar to employment.  A prior bankruptcy could impact the prospects of being hired for any job that involves the handling of money or finances, especially those with certain license requirements.  However, most employers do not discriminate against someone who has filed a bankruptcy.

Q:        If I am unemployed, how can I afford to file bankruptcy?

A:        We understand that individuals filing for bankruptcy typically do not have much money just sitting around.  However, you may want to think in terms of “how can I afford not to file?”  For a relatively small amount of money, you will be clearing out tens if not hundreds of thousands of dollars in credit cards, unsecured loans and line of credit, mortgage deficiencies, car repossessions, medical bills, and even some taxes, among other types of debts.  You also will be ending the harassing phone calls, letters, lawsuits, garnishments, bank levies, and other collection efforts that are common with higher debt.  Eliminating all this will reduce stress and prevent your credit from getting any worse, allowing you to focus on your job search and your fresh start.

Q:        If I need to file bankruptcy and am unemployed, what options do I have to come up with the fees?

A:        There are several options if you do not have all of the money right away.  It would be perfectly fine for you to borrow the funds from a friend or relative, as long as you do not pay that person back until after you have filed the bankruptcy.  Additionally, if you know someone who would be willing to help you, but who cannot come up with all the money at once, you may be able to utilize our third party payment plan.  This is where a third party agrees to pay your fees in the form of monthly payments typically over the course of 18 months.  We do not charge interest or late fees, and we do not report to credit bureaus.  Finally, you could make payments to the firm over the course of a few months, and once all of the fees are paid, we can begin work on filing your case.

Q:        What if I lose my job after filing for a Chapter 13 bankruptcy and can no longer afford my monthly payments?

A:        If this happens, and you still have some monthly income (from a spouse or unemployment benefits), you may be able to continue making your payments, or even reduce them to an amount that is manageable payments by modifying your Chapter 13 plan.  If you have no income at all, or so little that you cannot afford reduced payments, it may be possible to convert the Chapter 13 into a Chapter 7 bankruptcy.

Q:        Is it possible for me to file a Chapter 13 bankruptcy if my only income is unemployment benefits?

A:        It depends.  The key factor in determining this would be when you began to receive your benefits and how much longer you expect to receive them.  If you just started receiving your benefits, and you expect to have several extensions, then filing a Chapter 13 may make sense.  However, if you have exhausted all your extensions and only have a month or two left of benefits, then filing a Chapter 13 would not be a viable option for you.

Q:        The state says I was overpaid unemployment benefits.  Is this dischargeable in bankruptcy?

A:        Generally no.  There is nothing in the bankruptcy code preventing a debt owed to the government in the form of an administrative error from being discharged in bankruptcy.  If you are doing what you are supposed to be doing in regards to continuing to receive unemployment benefits, any resulting overpayments may be discharged.  However, if the overpayments were acquired by fraud (debtors intentionally and falsely representing that they are employed) or a mistake on the part of the debtor, then unemployment overpayments will not be discharged.   Even if you were not intending to defraud the state, if you knowingly accepted payments that were greater than you were entitled, or if you knowingly accepted payments when you were no longer entitled to benefits, or if you lost at an unemployment appeal hearing after receiving the benefits, or if you failed to tell the state that you became employed, then the overpayment is not dischargeable.  The amount you overpaid could be deducted from any future benefits as well.

Hoglund Law Offices

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Supreme Court Will Decide Whether Farmers Pay Tax On Bankruptcy Sale

The Supreme Court recently granted an appeal from Lynwood and Brenda Hall, farmers who were compelled to sell their farm in bankruptcy. The farm was sold for $960,000, and the proceeds were used to resolve the Halls’ bankruptcy debts. As a result of the sale, the Halls owed $26,000 in capital gains taxes. The Halls attempted to pay a portion of the capital gains taxes, but wanted some of taxes discharged by the bankruptcy court. The IRS insisted that the entire $26,000 be paid. The case ended up in the U.S. Court of Appeals for the 9th Circuit in San Francisco. The 9th Circuit Court ruled in favor of the IRS. The United States Supreme Court granted the Halls’ petition for review, and will ultimately decide whether the taxes must be paid.

Source:

Associated Press, Supreme Court to Decide Whether Couple Must Pay Tax on Bankruptcy Sale of Family Farm, https://www.startribune.com/nation/123747189.html (accessed June 21, 2011).

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Young Americans Feel Empowered By Debt

New research conducted at Ohio State University indicates that 18 to 27 year olds feel empowered by their debt. The study found that a greater amount of education loan and credit card debt corresponded to higher self-esteem. Additionally, young people with high debt feel more in control of their lives. (Anand)

The study compared information about credit card and student loan debt with participants’ self-esteem and feelings about their ability to accomplish goals and control their lives. Lower income people were the most affected by their debt. Participants with the lowest income felt the most empowered, with higher debt corresponding to higher self-esteem. Young people in the middle class felt no effect from student loan debt, but experienced higher self esteem by holding more credit card debt. Participants with the highest income felt no self-esteem increase from either education or credit card debt. (ScienceDaily)

Researchers also found that at age 28 young people start to realize the consequences of their debt. At 28, study participants felt more stress about their debt, understood that they may have overestimated their future income, and realized paying off their debts would not be easy. (ScienceDaily)

Source:

Anika Anand, Young Adults Wear Their Debt Like a New Tattoo, https://lifeinc.today.com/_news/2011/06/08/6814827-young-adults-wear-their-debt-like-a-new-tattoo (accessed June 21, 2011).

 

What, Me Worry? Young Adults Get Self-Esteem Boost From Debt, https://www.sciencedaily.com/releases/2011/06/110606113401.htm (accessed June 21, 2011).

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Don’t let Payback be a matter of preference

Individuals hoping to pick and choose who they pay back before their bankruptcy filing may want to consult an attorney before making payments.
Under § 547(b) of the Bankruptcy Code, a “preference” is any transfer made by the debtor that meets the following
criteria: (1) the transfer is to or for the benefit of a creditor, (2) the transfer is for or on account of a prior debt owed by the debtor before said transfer was made, (3) the transfer was made while the debtor was insolvent, (4) the transfer was made either 90 days before filing the bankruptcy petition, or one year before the filing of the bankruptcy if the payment was made to an insider, and (5) the transfer enables the creditor to receive more than the creditor would have received either under a Chapter 7 case, or if the transfer had not been made at all.
If a preference is discovered, the trustee may go after the creditor to whom the payment was made, take back the amount of the payment, and distribute it amongst all of the debtor’s creditors. Preferences are most commonly problematic within the context of payments to friends or family. If a transfer is made to a non-insider, the debtor typically is concerned less about the effect on the creditor.
When the preference payment has been made to a friend or family member, there are several ways to handle the situation. Sometimes a debtor will wait until the one-year preference period has run out before filing their bankruptcy.
If the debtor waits for the preference period to run out, there be no issue regarding the payment.
It should be noted that the debtor will want to make certain of when the payment was made. A miscalculation of even one day can make the difference in whether a payment is a preference or not.
If the debtor absolutely cannot wait, another option would be to file a Chapter 13 case. Under Chapter 13, as long as the total amount paid by the debtor over the course of the Chapter 13 plan is at least as much as the debtor transferred, then no additional funds need to be paid, and the trustee will not pursue the matter with the transferee.
If a Chapter 13 is not an option, the trustee will attempt to retrieve the funds. Sometimes the trustee will allow
the debtor to stand in the shoes of the individual to whom the payment was made and allow the debtor to pay back the preference on the behalf of the transferee. Most trustees will allow the debtor about five months to pay the preference amount.

Hoglund Law Offices

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Will I lose Property if I file for Chapter 7?

Are you contemplating a Chapter 7 bankruptcy but worried about losing property? If you’re like most people, there’s little reason to be.

Most people do not lose any property when they file for Chapter 7 Bankruptcy Relief. When a person files a Chapter 7, otherwise known as a complete bankruptcy or liquidation, that person is allowed to keep a certain amount of property.
There are laws which define what a person may keep when filing a bankruptcy, called exemptions. If a person has been a resident of Minnesota for at least two straight years, he or she may chose between the federal exemptions or the Minnesota exemptions. The federal exemptions are typically chosen by individuals who do not own real estate or have very little equity in their real estate; whereas the state exemption are typically chosen by those who have a substantial amount of equity in their homes.
The federal exemptions are not as generous with the amount of equity one may keep in a house, but are quite generous regarding the amount of personal property an individual may keep, while the Minnesota state exemptions are essentially the opposite. In most cases, the exemptions are large enough to protect the assets which the person
filing owns; however, sometimes there are nonexempt assets. If an individual has non-exempt assets, he may still be able to keep the property if he is able to pay for the difference in the value of the asset and the amount that he can claim as exempt.
The exemptions are defined by valuations of property. A person is allowed to keep $X amount of equity in property under the exemptions. For example under the Minnesota state exemptions, a person may retain $4,400 in equity in any one automobile. If a person owns a vehicle worth $4,500, then that person would not have enough of an exemption to cover the vehicle.
This means that the person will either have to surrender the vehicle and allow the trustee assigned to their case to liquidate it or that person would need to pay the difference between their exemption and the amount of equity in the vehicle to the trustee. If the person elects to surrender the vehicle, the trustee would then sell the vehicle. The filer would receive the first $4,400 from the sale and the rest would go to the trustee to distribute amongst the debtor’s creditors.

Kris Whelchel,  Esq.

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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THE CARD ACT: THEN AND NOW

The details and effects of Obama’s 2009 bill:

On May 22, 2009, President Barack Obama signed into law the Credit Card Accountability, Responsibility and Disclosure Act (Credit CARD Act). The Act was designed to strengthen consumer protection while ensuring transparency, accountability, and mutual responsibility between credit card issuers and their consumers.

Some of the key elements of the CARD Act include a ban on unfair free rate increases, which includes a ban on all retroactive interest rate increases. That same provision also provides “First Year Protection” for cardholders,
meaning the terms in the agreement must be clearly spelled out and the interest rate must remain stable for no less than one year.

A provision in the Act requires credit institutions to give their consumers 21 days to pay their bills from the date their statements are mailed to them. Card issuers must also give cardholders 45-days notice of significant changes made to the terms of their card agreements, including changes or interest rates and fees. In addition, consumers now have the right to grant permission to process transactions that would place them over their credit limit.

Another key element of the Act is the plain language requirement. This provision states that credit card companies must give consumers clear disclosures of account terms before they ever open an account with them. They also must give clear statements of account activity after the account is opened. Moreover, creditors are required to show the consumer how long it would take to pay off the principal balance of her account if she were to only make the minimum monthly payments. Card issuers will also have to display the payment amount and total interest cost to pay off the existing balance in 36 months.
The CARD Act increases accountability among credit card issuers and the regulators charged with stopping unfair practices and enforcing protections. The Act requires issuers to post credit card contracts on the Internet and in an easy-to-read format. Furthermore, if card issuers violate any of the new restrictions, they will face significantly higher penalties under the current law.

Regulators will also face increased accountability under the Act. They now must report to Congress annually on their enforcement of consumer protections and update the rules if increased protection is deemed necessary.
Recent studies have shown that two years after the Credit CARD Act was passed, rates and fees have remained more stable than before the passing. In a study done by the Pew Safe Credit Cards Project, it showed more transparent,
consumer-friendly practices among issuers. Nick Bourke, the direct of Pew, said the studies “are concluding
[that] the credit card market really has stabilized. The Credit CARD Act was very effective at changing the practices
that it targeted while not shutting the credit card market down or causing serious changes.”

By Benjamin Sorenson

 

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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