I Have Decided Not to Take My Medications. How Will This Affect my Case?

It is extremely important to recognize that you may be jeopardizing your claim for Social Security Disability benefits if you choose not to take your medications as prescribed by your doctor. It is very common for benefits to be denied if medication non-compliance is noted throughout the medical records.

Many people, due to experiencing difficult side effects, may personally decide to discontinue taking certain medications. I would recommend that if you are experiencing difficult side effects, that you discuss this issue directly with your doctor. There may be a different dosage of medication that the doctor can prescribe that may help with unwanted side effects or alternative medications in general that could be prescribed. By discussing these concerns directly with your doctor, this information will be reflected in your medical records.

The most important objective evidence to prove your disability is your medical records. As long as there is documentation by your medical providers regarding switching medications or discontinuing certain medications, there is no concern. As always, communication with your medical providers is extremely important in proving your claim for Social Security Disability. If you have any questions regarding applying for Social Security Disability, please contact one of our experienced attorneys at Hoglund Law.

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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 Subsidies can Help you Earn more while Applying for Disability

Social Security’s definition of disability is “ . . . the inability to do any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in death or which has lasted or can be expected to last for a continuous period of not less than 12 months.” (20 C.F.R. §404.1505). Substantial gainful activity (“SGA”) essentially means full time work, which is usually defined as earning $1,070 per month, gross (or $1,800 if you are blind).
So what does this mean in layman’s terms? Essentially, if you are unable to gross more than $1,070 per month, you are disabled. Therefore, if you are working while applying for disability, you are generally not able to earn more than this amount, or you will be denied. So why do I keep using qualifying words such as “generally” and “usually?” Because there are many nuances and exceptions to this rule.
One such exception is Social Security’s Subsidy and Special Conditions allowances. Work is considered subsidized “. . . if the true value of your work, when compared with the same or similar work done by unimpaired persons, is less than the actual amount of earnings paid to you for your work.” (20 C.F.R. §404.1574). Examples of these sorts of subsidies and conditions include on the job coaches, doing work under continuous supervision, working in a sheltered or special environment, or even being paid full wages, despite doing less work than co-workers. If any of these conditions or subsidies exist, Social Security will attempt to determine the value the work a claimant performs contacting the claimant, and/or the claimant’s employer, supervisor(s), co-workers, job-coach, or anyone else who may have knowledge regarding the claimant’s work activity. If they find that the claimant’s work is subsidized, even if technically over SGA, that claimant may still be found disabled.
SGA, in general, is a complicate topic with many rules and exceptions. This is why it is a good idea to hire a lawyer to help explain all the ins and outs of how much you can work if you are applying for disability.

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 is Responsible for Obtaining Evidence for Your Hearing?

Have you ever wondered what you are going to use to prove that you are disabled?

Evidence for your disability claim is gathered at each level of your claim. The party that is responsible to collect your evidence changes as you claim moves through the Social Security Disability process.

The evidence that you use for your disability claim mostly comes from the doctors that you see for your disability by way of your medical records. Sometimes if you have a favorable doctor, an assessment form can be sent to him or her to fill out on your behalf. There are assessment forms for either mental or physical disabilities. It should be known, that some medical facilities do not allow their doctors to fill out forms. If your facility is one of these don’t worry, your disability attorney will use your medical records to prove your disability. Even with a form, your attorney needs to back up that form with medical documentation (i.e. Medical records). So see the medical records are the key to proving your disability.

As was mentioned earlier, each time your claim is denied whether it be at the initial or reconsideration levels, your evidence should be updated with any new evidence that became available since the last denial. For the initial and reconsideration levels, the Social Security Administration is the responsible party that should be retrieving any medical documentation that you have made them aware of since the last denial. If you have an attorney, keeping them up to date on the medical facilities you are going to along with proper addresses and phone numbers for them, will make getting the information to Social Security much more efficient. Social Security will send out the request for information based on what you and/or your attorney gives them but, might not follow up if information is not correct.

So it is in your best interest to have proper addresses and phone numbers for the places that you get treatment for your disabilities. I always suggest that the client gets a business card from the places that they treat and to put the first treatment date on the card as well. This will give them a timeline to use throughout the Social Security process. When you reach the hearing level if you have an attorney, it becomes that attorney’s responsibility to get all new medical documentation for your claim. It is still your responsibility to keep your attorney up to date with where you are treating for your disability. If you do not have an attorney, then the gathering of medical evidence fall on you when you reach the hearing level of your claim.

So as you can see, your medical records are your main source of evidence for your Social Security Disability claim. Also that at the initial and reconsideration levels, Social Security is responsible to gather your medical evidence for you. But, once you get to the hearing level, either you or your attorney if you have one takes over the retrieval of your medical evidence. This is your claim and you are the person affected when things do not go as planned. So be an active part in your claim, by updating the treating sources as necessary with proper addresses and phone numbers so, that your medical documents can be easily gathered for review by either Social Security or your attorney. This will give you the best chance at a positive outcome to your claim.

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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Statutory Blindness in Disability Claims

Social Security looks at visual disorders, which are abnormalities of the eye, the optic nerve, the optic tracts, or the brain that may cause loss of acuity or visual fields. The Social Security Act defines blindness as central visual acuity of 20/200 or less in the better eye with the use of correcting lens. Social Security uses your best corrected central visual acuity for distance in the better eye when they determine if you qualify for benefits.

With regards to your visual fields, Social Security states that an eye that has a visual field limitation such that the widest diameter of the visual field subtends an angle no greater than 20 degrees is considered as having a central visual acuity of 20/200 or less.

In order for Social Security to determine you satisfy the statutory blindness, your visual field or visual acuity testing must be consistent with the other medical evidence in your record. If you do have visual acuity or visual field loss, Social Security will need documentation of the actual cause of loss.

Visual acuity is tested by looking at your optimal visual acuity attainable with the use of a corrective lens. Your best corrected central visual acuity for distance is usually measured by determining what you can see from 20 feet. In some cases, visual acuity testing may be performed using a specialized lens. Social Security will use the visual acuity measurements obtained with a specialized lens only if you have demonstrated the ability to use the specialized lens on a sustained basis.

Visual field testing is generally needed when you have a visual disorder that could result in visual field loss, such as glaucoma, retinitis pigmentosa, or optic neuropathy.

For more information, please contact one of the attorneys at Hoglund, Chwialkowski & Mrozik.

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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Preparing for a Social Security Disability Hearing – Medical Expert Testimony

At your Disability hearing, the Administrative Law Judge (ALJ) may request the testimony of a medical expert. A medical expert is a doctor or other medical professional who will give an impartial opinion on the case being heard. It cannot be anyone familiar with the case, or a treating doctor. For more details about the qualifications of a medical expert, see the Social Security’s operating guide. The medical expert will review relevant medical records, and be subject to questions about the various diagnoses, treatment, prognoses, and functional limitations. The ALJ will also ask whether the conditions presented meet or equal any of the Listings of Impairments, which could mean an easier path to getting your disability approved.

Your Social Security Disability attorney will have the opportunity to cross-examine the medical expert as part of your hearing. Your attorney can ask about the expert credentials, and what experience they have in cases similar to yours. They may also ask about specific symptoms and limitations, and whether your conditions may meet specific listings.

The medical expert is not a treating doctor, and they will not be asked to examine you. They only consult your medical records. They will not be consulted about your work history, and they do not have the final say in whether or not you are disabled!

In some cases, an ALJ will ask for medical expert testimony after the hearing. Usually this is elicited in written interrogatories, where the ALJ or your attorney may write questions for the expert to answer. After the interrogatories are received, the ALJ will either make a decision or schedule a supplemental hearing to get more testimony from the claimant. If new records are received after the interrogatories are provided, then the ALJ can forward the new evidence to the expert to get any additional comments.

Having a medical expert can be a great help to your case, for your attorney, and for the ALJ. They can usually help explain more complicated medical records, which can improve their understanding of your case and could lead to a favorable decision. If the expert finds your condition to meet a Listing or that the symptoms would be so severe as to affect your daily functioning, the ALJ can use the expert’s opinion and find you disabled.

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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Why Will There be a Vocational Expert at my Hearing?

A Vocational Expert is a neutral party that will be providing testimony regarding employment. Specifically, they will be providing information regarding the past full-time jobs that a claimant has held in the past fifteen years. The Vocational Expert will refer to the Dictionary of Occupational Titles, and clarify the skill and exertional level of each full-time job that a claimant has held. Additionally, the Administrative Law Judge will be asking certain hypothetical questions to the Vocational Expert to inquire whether jobs would be available based on certain restrictions and limitations. The Vocational Expert typically will not have any direct questions for the claimant, unless they need further clarification about job duties performed.

By hiring an experienced attorney, a claimant can be assured that any and all vocational issues are being addressed during the vocational testimony. An attorney will have the opportunity to cross-examine the expert and provide additional hypothetical questions to address medical impairments and restrictions. If you are currently unable to work due to medical impairments, please contact the firm of Hoglund, Chwialkowski & Mrozik, PLLC. We will be happy to go through an intake questionnaire over the phone to determine if we are able to help with your claim for disability.

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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Can I Get Rid of my Medical Debt Through Bankruptcy?

You may be wondering whether or not you can discharge your medical debt through bankruptcy. The short answer is, yes. Many individuals have circumstances that lead to high medical bills that they’re unable to pay, a burden that can be completely cleared with a discharge of a chapter 7 bankruptcy.

Medical debts are considered unsecured non-priority debts, meaning they’re entirely dischargeable in a chapter 7 bankruptcy. Once these debts are discharged, you are no longer responsible and creditors may no longer come after you. In order to qualify for a chapter 7 bankruptcy, you need to pass an income means test. This means you (and your spouse if applicable) need to satisfy certain income requirements in order to be eligible for chapter 7 relief. This is something your attorney at Hoglund Law will be happy to analyze with you at your free bankruptcy consultation meeting.

It is important to keep in mind that your chapter 7 bankruptcy will only discharge debts that are outstanding at the time of filing. If you know that you are soon to be incurring significantly more medical debt, it may be worth waiting to file until after that happens. It’s also important to keep in mind that you may only be granted relief under a chapter 7 bankruptcy once every 8 years.  This means, if your medical care or the medical care of your family is ongoing, or you know a large expense is coming soon, you may want to wait until treatment is complete before filing for bankruptcy.

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 Statement of Intention

When filing for bankruptcy under Chapter 7, protection of certain assets requires more than just listing them under the applicable exemptions. For example, a homestead may be subject to a mortgage or a vehicle may serve as collateral for the repayment of a loan. In these situations, the debtor must file a Statement of Intention within 30 days after filing the Petition, or before the First Meeting of the Creditors, whichever is first. If the debtor is represented by an attorney, the attorney will typically file this form along with the Petition. On the Statement of Intention, the debtor must choose one of four options with regard to the asset. Surrender, redeem, reaffirm, or ride-through.

If the debtor is unable to make on-going payments toward repayment of the loan, he or she might have to surrender the asset. This means that the creditor may decide to repossess the asset. The good news, however, is that the repossession will wipe out the claim up to the value of the property, and the bankruptcy discharge will wipe out any outstanding balance.

If the debtor is able to come up with enough cash to “buy” the asset, he or she may pay the creditor the value of the asset, which will wipe out that amount of the claim (the secured amount). Any remaining balance on the claim will be unsecured and will be discharged. However, this is often difficult to accomplish because the redemption must be made in a one-time payment, rather than by installments.

If the debtor has equity in the asset, or will soon gain equity, it might be wise to reaffirm. This involves a written agreement with the creditor that also must be filed with the court. Under the agreement, the debtor becomes re-obligated to the debt, which removes the debt from the bankruptcy case. The upside is that the creditor must then report timely payments to the debtor’s credit report, which re-builds the debtor’s credit score. The downside is that if the debtor later defaults and the creditor repossesses the property, the debtor will still be obligated on the remaining balance.

Finally, the debtor may choose to ride-through. Here the debtor will continue to make regular payments as with reaffirmation, but there is no written agreement re-obligating the debtor to the debt. This means two things: First, the creditor is not required to report to the credit report. Second, if the debtor later loses the property, the remaining debt falls back into the bankruptcy case and is discharged. It also should be noted that some lenders do not allow ride-through.

The assets that are subject to the Statement of Intention requirement are often highly important to the debtor, if not necessary to his or her post-bankruptcy financial growth. Deciding which option to choose takes thorough planning and prioritizing, as well as knowledge of the law.

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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Student Loans and Bankruptcy Law

In today’s tough job market, people with higher education degrees are finding it difficult to obtain work. Many of these people also have significant student loan debt. Student loan payments can be extremely difficult to make, especially if a person is not receiving any income. There are many options available to help people with government backed, and even some private, student loans. The main options are deferment, income-based & income-contingent repayment plans, and extended repayment periods. These options can go a long way towards helping a person who doesn’t have a job or someone who had to take a lower-paying job than they expected. However, the deferment periods are of a limited duration and income-sensitive plans can really draw out the length of time a person spends in repayment. Individuals who remain in financial difficulty even after utilizing these options may consider filing bankruptcy.

For those individuals, it is important to know that Congress has determined that student loans are not eligible for discharge in Chapter 7 or Chapter 13 bankruptcies unless a person is able to demonstrate to the satisfaction of the bankruptcy court that the loans create an undue hardship on the person and the person’s dependents. Student loans can be included in a Chapter 13 payment plan, which can reduce the size of the payments and stop the collection activity, but any amount that remains at the end of either the 3 or 5 year plan is not discharged unless the undue hardship standard is met. As a result of this Congressional stance on student loan repayment, individuals seeking relief from overwhelming student loan debt should consult an attorney before filing bankruptcy.

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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Importance of Tracking All Relevant Medical Information

This blog post is in reference to another conversation that I had with a colleague after a hearing.  Prior to the hearing his paralegals had updated with a client what they thought was the “all inclusive” relevant medical information.  The phone call had lasted for roughly 45 minutes, and the client had assured the paralegals that they had given the attorney’s office the names of all of their clinics, hospitals, and other medical facilities that they had treated at.  The amount of sources seemed light, but the client assured her that those were the only places he had visited.

The day before the hearing the client and their attorney started talking about the treating sources and everything that was updated by the paralegal seemed to mesh.

On the day of the hearing they had the same conversation and according to the client all medical sources had been updated.

Then the testimony of the client began.  They suddenly had an epiphany and remembered 3 clinics that they had visited, including an MRI procedure!  The Administrative Law Judge was not impressed at all.  Specifically, he assumed that the attorney had not fulfilled their responsibility and threatened to file a board complaint if the updated records did not get submitted.  Thankfully the ALJ gave the attorney 30 days to get the records into his office and proceeded with the hearing.

The biggest loser on the day was not the attorney, but the client.  In a conversation afterward, the client admitted that he couldn’t remember the names of the facilities that he had treated at and assumed that this information would be have been included in his other information.  HE WAS WRONG.  Had he come clean and worked through the problem with the paralegal and/or his attorney the file would have been complete and a decision could have possibly been made in his case.  He had an ALJ with an extremely high approval rate (approximately 65%) and a tendency to want to make decisions in a “Bench Decision” format.  Now, he is stuck waiting 30 days for the Judge to make up his mind AND the possible 3-4 months it takes for a ALJ’s assistant to write a decision in the regular format.

The point of the story is this:  Clients, please keep track of all of your medical treating sources.  The more information you have about the facility, doctor’s name, tests performed, etc. the more information your attorney will request.  ALJ’s are forced to make decisions when all information (good and bad) is present.  Do yourself a favor and help your attorney do it right the first time.

-Written by an Attorney at Hoglund Law

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 & Credibility

For every Social Security Disability claim the Social Security Administration (SSA) must determine how credible or believable the claimant is regarding their limitations. The credibility analysis is a very important part in a Disability claim because; face it, if the SSA believes the claimant to be fully credible then they should almost always consider the claimant to be disabled. In making a credibility determination about a claimant’s statements the SSA is supposed to refer to Social Security Ruling 96-7p.

The provisions as reflected in this SSR as well as the Code of Federal Regulations provide that an individual’s symptoms, including pain, will be determined to diminish the individual’s capacity for basic work activities to the extent that the individual’s alleged functional limitations and restrictions due to symptoms can reasonably be accepted as consistent with the objective medical evidence and other evidence in the case record. In addition, symptoms may not be disregarded solely because they are not substantiated by objective medical evidence. The absence of objective medical evidence is only one factor that the adjudicator must consider in assessing an individual’s credibility. Moreover, SSR 97-6p provides that merely because an individual’s statements are not credible is not by itself sufficient to establish that an individual is not disabled.

SSR 96-7p also recognizes that a claimant’s persistent efforts to obtain relief from his or her pain or other symptoms serve to enhance his or her credibility. Therefore, a longitudinal medical record with consistent subjective complaints and effort to reduce pain or other symptoms should serve only to aid a claimant in his or her effort to obtain Disability Benefits.

Regarding SSR 96-7p, there are numerous factors the adjudicator must take into account. Must is important language for any analysis of statutory law. This is not something the adjudicator has a choice in doing. The adjudicator must making a finding as to the claimant’s underlying impairment and then consider whether said impairment could reasonably be expected to produce the claimant’s symptoms. The adjudicator must consider lay evidence in assessing the residual functional capacity. The adjudicator must specifically consider the side effects from the claimant’s medications. The adjudicator must not only consider the claimant’s allegations of pain, but detail specific reasons for his or her credibility finding in their decision. Failure to obtain treatment must be considered in the context of all the evidence, an adjudicator “must not draw any inferences about an individual’s symptoms and their functional effects from a failure to seek or pursue regular medical treatment” without first considering the evidence of record which may explain “infrequent or irregular medical visits or failure to seek medical treatment.”

As a practitioner, I have seen on numerous occasions where the lower levels (DDS) will find a claimant full credible then deny his or her claim even though the claimant’s statement make it obvious that, if believed, he or she should be considered disabled. In addition, language from hearing decisions will often state “statements concerning the intensity, persistence, and limiting effects” of his symptoms were “not credible to the extent they are inconsistent with” the judge’s assessment of his residual functional capacity—is meaningless boilerplate seen frequently in decisions from ALJs. The 7th Circuit has repeatedly criticized this template as unhelpful and explained that it backwardly “implies that the ability to work is determined first and is then used to determine the claimant’s credibility.”

This information is very important for disability claims and unfortunately adjudicators continue to either disregard or misuse SSR 96-7p. Credibility determinations are extremely important in Social Security Disability claims and a proper application of SSR 96-7p can make the difference between winning or losing a disability claim. Having an experienced attorney who knows how to make the correct legal arguments and put forth the best claim possible as well as rebut or enforce the proper application of SSR 96-7p is extremely important for any Social Security Disability claim.

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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Keeping Your Car and Home if You File bankruptcy

Many people worry that they will lose their homes or cars if they file bankruptcy. However, in most cases, this is not true and an individual who files bankruptcy will be able to keep his or her home and car. This is because state or federal exemptions can be used to protect a certain amount of equity that a person has in his or her car and home.

In a chapter 13 bankruptcy, a debtor may be able to keep secured property by paying the creditor the value of any equity he or she has in the property. A chapter 13 bankruptcy can even be used to stop a car repossession or home foreclosure by allowing a debtor to catch up on back payments and become current with the loan.

In a chapter 7 bankruptcy, people can also generally keep their homes and cars. However filing bankruptcy will not get rid of the security interest that a lender has in the property. This means that although a person’s legal obligation to repay the loan goes away after a bankruptcy, the lender can still take back the property if the person fails to continue making payments on the loan. A person who wants to keep his or her car or home after bankruptcy can keep the property by either signing a reaffirmation agreement with the lender, continuing to make voluntary payments on the loan, or by paying the lender the value of the property. The best option depends on the individual’s unique set of circumstances.

If you are considering filing bankruptcy and have questions about protecting your home or car, contact a local bankruptcy attorney for help.

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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Discharging Tax Debt in your Chapter 7 Bankrutpcy

People filing for chapter 7 bankruptcy protection often wonder whether or not their income tax debts will be discharged. The good news is tax debts are dischargeable if certain criteria are met.

First, if you want to discharge your tax debt you must have filed returns for the years you owe. Second, the returns were filed at least two years prior to your bankruptcy filing date. Third, the returns in question were due at least three years before you file. Fourth, the IRS or State has not assessed your tax liability within 240 days before the filing. Finally, you did not willfully attempt to evade paying taxes.

However, other types of tax liabilities have different rules. Property taxes are not discharged during Chapter 7 Bankruptcy unless they became due more than a year before your file for bankruptcy. Further, debts incurred to pay taxes cannot be discharged. For example, if you use a credit card to pay your taxes you will have to pay back the creditor who issued the card even if all your other debt is discharged. Finally you may be wondering if tax obligations are dischargeable if you filed late tax returns. The answer is it depends. For a long time the IRS would not allow any taxes owed on late returns to be discharged. However, now the IRS only applies this no-discharge rule to late returns if they were filed within two years prior to your bankruptcy filing.

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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What are Exemptions in Bankruptcy?

There is a myth that filing for bankruptcy means you have to give up your assets. This is simply not true. Bankruptcy law lays out specific exemptions which are used to protect your assets when you file for bankruptcy. (Federal exemptions are found in 11 U.S.C. § 522). In your petition you need to list all of your assets. These are all part of the “estate” and become property of the trustee. Exemptions are used to pull your property of the estate and protect it as yours. There are both federal and state exemptions and each state varies. When filing you can either choose one or the other, you cannot mix and match. There are also rules as to which state’s laws you are allowed to use based on where you live. Your attorney will usually be the one to choose what is best for your circumstances. In general, federal exemptions cover more items because of the “wildcard exemption.” Most exemptions are for specific items, but the wildcard can be used on any property up to $12,725 (depending on the amount of equity in your home).

The most common reason to use Minnesota exemptions, specifically, is if you have a home with a lot of equity. Minnesota has a large homestead exemption to protect your home, which is one of the most important assets to people and the most important to protect. If you need to use Minnesota’s exemptions, you may end up with “non-exempt” property. This means that you are not able to protect it and it will become part of your estate for the trustee. The most common non-exempt items are tax refunds and bank account balances. If you have a few non-exempt items it is not something to worry too much about. In most cases a tax refund is small in comparison with the amount of debt being discharged. Just because an item is “non-exempt” doesn’t mean you will lose it. You can pay the trustee to keep it, essentially buying it back from the trustee. Please consult an attorney, as the exemption laws are very technical and may result in loss of property if they are not used correctly.

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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Fixing Overlapping Payments

Legislation to extend unemployment benefits stalls in the United States Senate. The original plan passed by House Republicans and Democrats made its way to the Senate with optimism that it would be passed as outlined. However, Majority Leader Harry Reid proposed changes to the legislation that House Republicans, at this time, do not support. The original legislation extended unemployment benefits for an additional three months and were fully paid for. Under the latest Democratic initiative, unemployment benefits would be extended ten months and most of the $18 billion cost would have been offset by extending automatic spending cuts, known as “sequestration.” Another vote on this issue is expected next week.

This battle comes amidst recent legislation introduced in June 2013 aiming to reduce overlapping benefits and protect the integrity of the Social Security Disability Insurance and Unemployment Insurance programs. United States Senators Tom Coburn (R-OK), Jeff Flake (R-AZ), Angus King (I-ME), and Joe Manchin (D-WV) introduced the Reducing Overlapping Payments Act on June 6, 2013. The bill requires the Social Security Administration to suspend Disability Insurance benefits during any month in which a recipient also collects Unemployment Insurance benefits. The bill also ensures the Social Security Administration has the necessary information to identify overlapping payments.  According to the Government Accountability Office, in fiscal year 2010 over 117,000 individuals received more than $850 million in overlapping payments.

The Social Security Disability Insurance and Unemployment Benefits Double Dip Elimination Act of 2013 (H.R. 1502) has not had any movement since its introduction.

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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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Why Social Security’s Drug Abuse and Alcoholism (DAA) Ruling 13-2p Violates Federal Law

The Social Security Administration has an interesting problem.  SSA’s Disability Insurance Benefits program, by law, can only evaluate medical conditions with objective medical evidence.  Symptoms alone are not enough.  Instead, medical signs and laboratory findings must prove “medically determinable” physical or mental impairments.  20 C.F.R. § 404.1529.  Social Security’s own rulings drive this same point home:  “No symptom or combination of symptoms can be the basis for a finding of disability…unless there are medical signs and laboratory findings demonstrating the existence of a medically determinable physical or mental impairment.”  Social Security Ruling 96-4p.

What’s the problem?  SSA currently allows itself to evaluate Drug Addiction and Alcoholism (DAA) without the proper objective evidence.  Social Security Ruling 13-2p, issued last year, clarifies its longstanding policy to deny Disability Insurance Benefits (or SSI) if drug addiction or alcoholism (DAA) causes disability.  The statutory term for this is “materiality”.

Social Security Ruling 13-2p states it incorporates objective medical diagnoses for mental health claims.  It cites the recent incarnation of the Diagnostic and Statistical Manual of mental disorders, version 5 (the DSM-5, for short).  But in cases of mental illness, the actual DSM-5 includes psychiatric diagnoses for substance-induced mental illness:

When psychiatrists and mental health professionals objectively diagnose these substance or medication-induced mental disorders above, they also determine the severity of these disorders based on the number of criteria endorsed: 2–3 criteria indicate a mild disorder; 4–5 criteria, a moderate disorder; and 6 or more, a severe disorder.

A severe, DAA-induced mental disorder can be a medically-determinable impairment under 20 C.F.R. 404.1529.  It can only be acceptable medical evidence of “material DAA”, however, when supported by objective medical signs and laboratory findings.  For Social Security claims with this evidence, SSA should determine DAA is medically “material” and ignore the limitations from the underlying mental impairment.

So what if these diagnoses above do not appear in the treating mental health records of a person applying for Social Security Disability?  Here’s the rub.  SSR 13-2p candidly explains that only SSA decides whether substance use disorders “medically cause or exacerbate” impairments.  Treating doctors are out.  What happened to SSA evaluating only objective medical evidence?  It’s gone.  The Ruling’s footnote 19 is stunning.  SSA plays doctor and decides for itself when claimants have substance-induced mental illnesses:

The finding about materiality is an opinion on an issue reserved to the Commissioner under 20 CFR 404.1527(e) and 416.927(e). Therefore, we will not ask a treating source, a CE provider, a medical expert, or any other source for an opinion about whether DAA is material. We will instead ask for medical opinions about the nature, severity, and functional effects of a claimant’s impairment(s).  In cases involving physical impairments, we may ask for medical opinions that project the nature, severity, and functional effects if the claimant were to stop using drugs or alcohol [emphasis added].

Any way you slice it (and I’ve seen it sliced quite thinly), materiality is a medical determination –

not legal.  The DSM-5 clearly identifies mental illness caused by DAA.  Social Security Ruling 13-2p violates the evidentiary requirements set forth in 20 C.F.R. § 404.1529.  Having practiced this area of law for over 20 years, I know of no other instance in which SSA reserves the exclusive right to make medical determinations.  It plays doctor whenever it uses “materiality” to find substance-induced mental disorders that are not diagnosed in the objective medical evidence.  Isn’t this tantamount to manufacturing medical evidence?  Yes.

We cannot pay people for being drug addicts and alcoholics benefits.  But on the same token, SSA can’t re-diagnose others who primarily have psychosis, bipolar, depression, or anxiety disorders whenever DAA shows up.

This is the stuff from which class actions are made.

If you have a Social Security benefits claim, mental illness and DAA issues don’t mix.  Immediately get help to stay totally clean and sober.  You should also hire a Social Security benefits attorney.  Your attorney should ask your mental health professionals in writing:  “Does your patient have a substance-induced mental disorder as recognized by the DSM-V.”  If no, SSA should follow the treating medical evidence – not create it.

Andrew Kinney, Esq.

Hoglund Law Offices

HoglundLaw.com

1/29/14

Andrew Kinney, Esq., is licensed in MN, OH, NY, and WI.  He is an attorney with Hoglund, Chwialkowski & Mrozik, PLLC, based in Roseville, MN.  He began practicing Social Security benefits law in 1992.  He is a founding chair of the Social Security Disability Law Section for the Minnesota State Bar Association.  He is currently an editor of the Social Security Practice Guide, a multi-volume legal guide for Social Security lawyers and advocates.

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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Technical Requirements for Social Security Disability Benefits

There are many people who suffer from severe impairments that make them unable to work. However, the Social Security Administration (SSA) will not evaluate the severity of the impairment until the claimant’s technical eligibility is addressed. There are two programs that SSA pays disability benefits through, but many people do not understand the technical eligibility aspect.

Disability Insurance Benefits (DIB), also called SSDI, is based off of an individual’s work history. The SSA looks to a credit based system to determine if one qualifies for DIB. The amount of credits an individual needs will vary depending on the age of the person. An important thing to understand is that a person may be eligible under this program at one point, but that eligibility does not last forever. A claimant must have worked long enough and recent enough to qualify. An Individual will run into problems when he has long gaps in his work history or if it has been a long time since he last worked.

Supplemental Security Income (SSI) is a needs based program. The claimant can be found eligible if he never worked a day in his life, but his financial situation must show a need for the benefit. The technical requirements for eligibility vary depending on whether the claimant is married or single, but both can only have a certain amount of assets to qualify. A single person is limited to having a maximum of $2,000 in assets, where as a married person can have $3,000 in assets. Certain assets such as the home a person lives in and a vehicle are excluded from this calculation. Additionally, one applying for SSI should be aware that a spouse’s income could disqualify a claimant for SSI.

If the technical requirements are not satisfied, then it does not matter how severe an individual’s impairment is because he will not be eligible for disability benefits. To get a better understanding of these two programs, it is beneficial to meet with an experienced disability attorney.

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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“But my child looks OK if you just meet him/her once”

Recently I have had a few hearings in which the Claimants suffered traumatic brain injuries (TBI) as young adults (19-25 years old).  In all three instances my clients’ had very supportive parents that provided structured, controlled living situations.  They were all allowed to participate in simple activities such as going to church, doing their own laundry, and riding with friends/relatives to medical appointments or sporting events.  They were not, however, capable of handling more stressful situations such as using public transportation on their own, going on job interviews or working, or being left alone at home for periods of time longer than their parents’ standard work day.

In all instances, the parents had the same worry about the Social Security Disability Administrative Hearing.  Since their children are able to handle conversations with people for short periods of time about superficial topics is the Administrative Law Judge going to see the “whole picture” of what the day-to-day limitations for the Claimant are?

The best answer to this question is, “It depends.”  TBI cases are most commonly analyzed under Listing 12.02.  To satisfy the “A” criteria of the listing one of the following must be met:

A. Demonstration of a loss of specific cognitive abilities or affective changes and the medically documented persistence of at least one of the following:

1. Disorientation to time and place; or

2. Memory impairment, either short-term (inability to learn new information), intermediate, or long-term (inability to remember information that was known sometime in the past); or

3. Perceptual or thinking disturbances (e.g., hallucinations, delusions); or

4. Change in personality; or

5. Disturbance in mood; or

6. Emotional lability (e.g., explosive temper outbursts, sudden crying, etc.) and impairment in impulse control; or

7. Loss of measured intellectual ability of at least 15 I.Q. points from premorbid levels or overall impairment index clearly within the severely impaired range on neuropsychological testing, e.g., Luria-Nebraska, Halstead-Reitan, etc;

To demonstrate the loss of cognitive abilities a person needs to treat with a psychiatrist on a regular and consistent basis after the traumatic incident.  The most important part of the treatment is to obtain the actual diagnosis of TBI.  The second most important is to have a support system established that can find specific instances of the above (1-6) changes and communicate them to the psychologist at every appointment.  The loss of I.Q can only be determined if there was a valid baseline score established by prior I.Q. test, which in most instances is rare.

Once a pattern of the loss of cognitive abilities is established and verified by a psychiatrist, the “B” criteria of the listing can be established.  To satisfy the “B” criteria two of the following must be considered “marked:”

B. Resulting in at least two of the following:

1. Marked restriction of activities of daily living; or

2. Marked difficulties in maintaining social functioning; or

3. Marked difficulties in maintaining concentration, persistence, or pace; or

4. Repeated episodes of decompensation, each of extended duration;

If the TBI occurred more than 2 years prior to the application date, the following “C” criteria of the listing are usually considered:

C. Medically documented history of a chronic organic mental disorder of at least 2 years’ duration that has caused more than a minimal limitation of ability to do basic work activities, with symptoms or signs currently attenuated by medication or psychosocial support, and one of the following:

1. Repeated episodes of decompensation, each of extended duration; or

2. A residual disease process that has resulted in such marginal adjustment that even a minimal increase in mental demands or change in the environment would be predicted to cause the individual to decompensate; or

3. Current history of 1 or more years’ inability to function outside a highly supportive living arrangement, with an indication of continued need for such an arrangement.

A representation of these issues laid out in the mental health treatment records is necessary to establish validity.  For example, if the Claimant cannot be left alone, argues with people for no apparent reason, and/or has problems with memory of important issues (names of parents/family, etc), the support system needs to track these behaviors and communicate them with the psychiatrist at every appointment.

Fortunately for my Clients and their families discussed at the beginning of this article, their treating mental health professionals kept diligent notes and discussed, in great detail, the difficulty that their patient’s had on a day-to-day basis.  The Medical record provided the ALJ with adequate information to get that “whole picture” of the client and not depend on a 15 minute conversation at the hearing.  They were all successful in obtaining benefits.

This article is not meant to be used as a complete analysis of how to argue a TBI before an Administrative Law Judge as TBI’s can have multiple symptoms which can effect more than one body system and can also be accompanied by other psychological diagnoses such as PTSD, anxiety, and depression.  Those diagnoses are analyzed with different listings (12.04 and 12.06) which a psychologist also can address.

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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What Does a Vocational Expert Do?

When you are filing a claim for Social Security Disability, you are alleging that you cannot work because of your health impairments. Not only do you have to prove that you have impairments that limit your functioning, but you also have to prove that you are so limited by those impairments that you cannot work any job in the national economy.

When you actually get in front of an Administrative Law Judge, part of your hearing will include testimony from a Vocational Expert. This is someone hired by Social Security as an independent contractor, and they will provide testimony only relating to your ability to work, and whether or not there are jobs in the economy that hypothetically you could do. Some claimants feel the Vocational Expert is on the side of the Law Judge, but they are a neutral party. In close cases, the Vocational Expert’s testimony can weigh heavily in favor of approval.

The Vocational Expert classifies your prior work to help the Law Judge understand how physically or mentally demanding your previous jobs were. They may also take into consideration any accommodations you received, or if your job varied from the typical description. For example, typically a job of a cashier may require sitting for most of the day, and lifting from 10-20 pounds, but they will adjust their information to the Law Judge if at the cashier job you performed, you were on your feet all day, it required walking for more than half the day, and you would regularly lift 50-100 pounds. This information, coupled with your testimony on your functional limitations, can help the Law Judge decide whether you are physically able to return to your prior work.

Sometimes the expert will present certain jobs that fit in with the criteria the Law Judge gives. These are usually examples of jobs, with estimates of how many of those jobs are available in the city, state, region, or nationally. They are not telling you to go out and get these jobs – they are used as an example. So it’s not necessarily harming your case if the expert presents different occupations available.

Your disability attorney can help you prepare for your hearing with a vocational expert by reviewing your past work with you, and how specifically you cannot do the jobs you used to hold. This will help the attorney pose specific questions to the expert to make your case stronger, and help convince the Law Judge that you are unable to work, and thus finding you disabled under Social Security’s rules.

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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Even Pro Athletes File Bankruptcy

Many of us know the tale of Michael Vick: one of the most dynamic and talented football players of our generation, who earned more than $200 million dollars over his career only to see it all disappear. Vick was forced to file bankruptcy in 2008 after he found himself more than $20 million in debt, with no real income stream to pay them off (he was banned from the NFL after being convicted of dog fighting and animal cruelty charges in November 2008). Vick is only one of hundreds of pro athletes that have gone broke. A Sports Illustrated article form earlier this year reported that 78 percent of NFL players face bankruptcy or serious financial stress within two years of leaving the game; 60 percent of NBA players face the same financial strife within five years. Why is this?

Pro athletes make millions and sometimes hundreds of millions of dollars over their careers, so it is hard for those of us who will never make close to that understand how athletes could ever find themselves in financial difficulty. One big problem is trust. A lot of athletes came from nothing and do not trust anyone to give tax, legal, and financial advice that could ensure a lifetime of financial stability. Other athletes have the problem of trusting the wrong people and are defrauded of their millions.

Another large problem is pressure from friends and family. Athletes feel obligated to buy expensive houses and cars for those that helped them go pro. They also get a lot of pressure from family and close friends to invest in businesses even when that friend or family member may not have any idea how to run a business. Michael Vick is a prime example of this. He bought a number of cars for friends and family members, a house for his mom, a number of houses for himself. This, among other things, all led to his bankruptcy in 2008. Fortunately for Vick, he landed a $100 million contract the Philadelphia Eagles to help pay off his debts and start over.

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’s Who In Your Hearing?

In a typical Social Security Disability hearing there will be five people in the room total: the claimant (you), your attorney, the judge, a vocational expert and a hearing monitor. Occasionally, there could be a medical expert and other witnesses to testify on your behalf.

You, as the claimant, at the disability hearing will be put under oath and will answer questions from the judge and your attorney. These questions will involving the last 15 years of your work history and also why you are unable to work. The questioning is not what you probably are expecting; it is more conversational. The judge wants to know your symptoms, what activities you can and cannot do and why. It is not like what you see on television.

Your social security attorney will be at your hearing. He or she will have prepared for you hearing by reviewing your medical evidence, your work history, and discussions with you. The attorney may also write a pre-hearing brief. This is a document that sets forth the theory of the claim (why you should be granted a favorable decision under the Social Security Act).

The Judge is the person that decides if you are disabled under the Social Security Act. This person runs the hearing. They will have prepared for the hearing similar to how your attorney did. At the beginning, they will discuss some procedural matters with your attorney (for example: is the record complete, has the hearing process been explained, etc.) and then they will ask you questions. The judge will likely ask for some background information, your work history, and most importantly why you are unable to work a full-time job. The judge will allow your attorney to ask follow-up questions. After completing your testimony, the judge will have questions for the vocation expert.

The vocational expert is an expert on jobs in the national economy and how these jobs are performed. The judge at your disability hearing will ask the vocational expert to classify some or all of your prior jobs. Next, the judge will ask the vocational expert hypotheticals based on work-related limitations. The vocational expert will respond that a hypothetical person could either do your past work, could do other jobs, or no jobs. When the judge has finished questioning the vocational expert, your attorney will have the opportunity to cross-exam the vocational expert.

There could also be a medical expert at your hearing. This person is a medical doctor and they will discuss your diagnoses and the objective evidence that supports this. The judge may ask how your medical diagnoses limit your abilities to work. Again, your attorney has the opportunity to cross-examine this witness.

You and your attorney can also provide witnesses. These would be individuals that know you well and can testify what they have observed regarding your physical and/or mental health.

Finally, the hearing monitor is in the room to make an audio recording of the proceeding. They will be taking notes on a computer and monitoring the recording to make sure everyone’s voice is being recorded properly.

These people are the people that you will see in your Social Security hearing. It is a closed hearing and no one else will be allowed in your disability hearing.

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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What is a Bankruptcy Means Test?

A bankruptcy means test is a tool that is used to determine whether or not you are eligible for Chapter 7 bankruptcy. Prior to 2005, the means test was non-existent and it was much easier to be found eligible for bankruptcy. In order to reduce the leniency of the program, the Bankruptcy Protection Act of 2005 was passed and therefore the means test came into play.

There are two parts to the means test. The first part of the test looks at your average income for the last 6 months prior to filing bankruptcy. This average is then compared to the median family income of the state you apply in. If it is found that you meet the median family income or fall short of it, you will be found eligible for Chapter 7. In this type of test, your average monthly income isn’t solely based off of what you make at work (wage, overtime, tips, etc.); it also looks at all aspects in your life that contribute to how much money you receive in a month (child support, alimony, workers’ compensation, rental income, etc.) However, there are a few things that are not included in calculating your monthly income; some of those are: Supplemental Security Income, Social Security retirement benefits, or tax refunds.

You will need to look into the second half of the test if it is found that your average income exceeds that of the median family income of the state you’re filing in. This part of the test will look at necessary expenses (rent/mortgage payment, groceries, etc.) and subtract that from your income. If the remaining amount of income won’t cover your unsecured debt you will be found eligible to file bankruptcy under Chapter 7. If not, you will need to file for bankruptcy under Chapter 13 where a payment plan will be created for you to pay off your debts (priority, secured, and some unsecured debts). There are, however, rare circumstances that will allow you to still file under Chapter 7 even if you fail the means test. These circumstances are attributed by “special circumstances” such as a serious medical condition or becoming unemployed within recent months. Every case will vary, though, and if no special circumstances are found than you will need to file under Chapter 13.

https://bankruptcy.findlaw.com/chapter-7/the-bankruptcy-means-test.html

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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Credit Counseling and Debtor Education

When going through the bankruptcy process, there are a few things that you must do; two of which are going through credit counseling and attending a debtor education course. The former must be completed before you file for bankruptcy and the latter must be completed after you have filed for bankruptcy. These two things are by no means optional, they are requirements by the government and you also must make sure you are going to the proper provider. This simply means that the provider who is putting on the credit counseling and debtor education course must be one that is approved within the judicial district you are filing bankruptcy in, as well as one that is approved by the U.S. Trustee Program. You can find a list of approved providers at your local bankruptcy clerk’s office.

As was mentioned above, you must go through credit counseling before you file for bankruptcy and must provide proof that you took the session. The session itself can vary based off of who you decide to do the program through, but most sessions have 3 basic components. The first will be going over your financial condition, then discussing any other options you may have other than bankruptcy, and finally creating a plan to manage your finances. Sessions usually run anywhere from 60 to 90 minutes and cost around $50 (unless you cannot afford to pay and fill out a fee waiver to waive the cost). After finishing your credit counseling session, the provider will present a certificate to you which can be used to provide proof of session completion.

Once you have filed for bankruptcy (and before your debt is discharged), you must then complete a debtor education course. Much like the credit counseling session, each course may vary by provider; they will, however, go over a couple key informational pieces that will be very useful for you after your debts have been discharged. Your course instructor should go over helpful ways to budget and manage your money, as well as how to properly use credit without abusing it. These courses will roughly run about two hours, depending on the provider, and can cost anywhere around $50-$100. There is a fee waiver you can fill out, too, if you are unable to pay for the cost of the course. After you have finished the course, you will be granted a certificate that will provide proof of completing the course.

Just remember, although these requirements may seem bothersome, they are only beneficial for you and your future. They will provide you will helpful tips that you can utilize well after completing bankruptcy.

https://www.consumer.ftc.gov/articles/0224-filing-bankruptcy-what-know

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 Back Pay

As you may know by now, applying for Supplemental Security Income (SSI) or Social Security disability benefits is not something that happens overnight. It’s a process that takes about 12-16 months to fully complete. During this time you are most likely struggling to work or completely unable to work, preventing you from making an income to support yourself. Although there isn’t much the Social Security Administration can do to speed up this process, it is possible for them to help you out once you have been granted SSI or disability benefits (Note: not all will be entitled to back pay). They are able to do this through Social Security back pay.

There are a couple of things that go into determining how much back pay you’ll receive, some of these are listed below:
• Date you become physically/mentally disabled
• Date you stop working due to a physical/mental disability
• Date you file for SSI/disability benefits
• Date you are approved for SSI/disability benefits

Your back pay will also be determined on whether you are applying for SSI or Social Security disability benefits. As long as you meet both the medical and non-medical requirements (income related) you will be eligible for back pay under the SSI disability program. If qualified, under this program you could receive back pay from the date you filed for SSI.

If you are applying under the Social Security disability benefits program, the same qualifications apply. However, what back pay you get may differ from what you’d receive under the SSI program. Not only could you receive back pay from the date you applied, but you could be eligible for back pay 12 months before your application date. The biggest difference between this program and the SSI program is the fact that once you have been approved, the Social Security Administration will only pay benefits from 6 months after your disability onset date to the present. So the first 5 months after your disability onset date will not be included in back pay (this is known as the 5 month waiting period). They have this waiting period to ensure that benefits are only being paid to those who have a long-term disability and not a short-term disability (those with short-term would not qualify for such benefits). It is important to remember, though, that this waiting period won’t affect the date that you actually start receiving your benefits.

After being approved, it could take some time to receive you back pay benefits. If you applied under the SSI program you will see your back pay benefits come to you in portions rather than all at once. They do this to prevent from going over the program limitations. If you applied under the Social Security disability benefits program, you could see your back pay benefits come to you in a lump; however, you may have to wait a little longer to receive these benefits than you would if you were in the SSI program. Just keep in mind that there is no universal date as to when you will receive these back pay benefits, they will all differ with each individual case.

https://www.ssdrc.com/disabilityquestions4-26.html

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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HIV and Related Illnesses: Could I qualify for Social Security Disability?

Human Immunodeficiency Virus (HIV) is a virus that weakens your immune system. HIV is a virus that your body cannot fight off. There are medications that fight HIV, but are unable to completely get rid of it. An individual living with HIV can experience a range of other impairments, which could be a disabling condition. These impairment could include, but not limited to: chronic fatigue syndrome, mental health impairments, and common opportunistic infections that may lead to serious complications. Besides the impairments listed above, HIV could cause inflammation throughout the body. This in turn could lead to heart disease, liver disease, and kidney disease. It can also affect your brain and your ability to think.

How is HIV monitored? By frequent testing. Doctors keep track of a person with HIV by his/her CD4 cell count and viral load. HIV invades CD4 cells and copies itself and over time the immune system weakens. Viral load is the amount HIV in the blood.

HIV and the impairments caused due to HIV may qualify a person to receive social security disability. At Hoglund, Chwialkowski & Mrozik, PLLC, we provide confidential help throughout the social security disability process. To help in your claim, Social Security will need your medical history, reports from your doctors regarding both your physical capabilities and mental abilities. Also, throughout the process, it is beneficial to follow your physician’s orders and medications prescribed.

Reference: www.treathivnow.com and www.cdc.gov/hiv

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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Can Wage Garnishments be Stopped when Filing for Bankruptcy?

If you haven’t yet filed for bankruptcy, but are in debt to some creditors, it is possible that they can have the court order that your wages be garnished if they provide evidence you are not paying them. This simply means that your payments to the creditor are directly pulled from your paychecks before you actually get the money. However, filing under Chapter 7 or Chapter 13 bankruptcy should stop your wages from being garnished by creditor debts. This only applies to dischargeable debts, though; your non-dischargeable debts such as student loans can still be pulled from your paychecks if you’re late on payments.

Filing for bankruptcy puts what is called an “automatic stay” on any dischargeable debt you owe creditors. This means that creditors are no longer allowed to collect money from you, which ultimately means they are no longer able to go through with garnishing your wages. The “automatic stay” only stops your wage garnishments during the process of filing for bankruptcy, what happens to wage garnishments after your bankruptcy all depends on which type of bankruptcy you file under.

Under Chapter 7 bankruptcy, your nonexempt property is sold to help pay off whatever debt is owed to creditors. Any debt that you have remaining will be discharged. Because this type of bankruptcy wipes out any dischargeable debt, it will permanently stop creditors from garnishing your wages because you will no longer owe them money.

Chapter 13 bankruptcy has a much different plan for dealing with debts than Chapter 7. When filing for this type of bankruptcy, you won’t need to sell any of your property (exempt or nonexempt); instead, you will create a type of affordable payment plan to pay off your debts. With this type of bankruptcy you will include the debt causing the wage garnishments in to your payment plan.

Just remember that wage garnishments can only be stopped for dischargeable debt, they cannot be stopped for any non-dischargeable debt such as child support, alimony, or student loans.

https://www.alllaw.com/articles/bankruptcy/using-chapter-7-wage-garnishment.htm

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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Could you be eligible for Social Security Benefits if you are diagnosed with Autism?

If diagnosed with Autism, a disorder that has an impact on your social and communication skills, you may find that you are eligible for Social Security disability benefits. Like other claims, you must be able to show sufficient evidence to prove that you are in fact disabled and that the disability affects your ability to work. Now a days, people are diagnosed with autism as young as 3 years old. The process for diagnosing an adult with autism, though, doesn’t vary too much from diagnosing a child. They must exhibit symptoms that can be connected with impairments in the following areas: social interaction, communication, and repetitive behavior. Some examples of these include, but are not limited to: unusual gestures, lack of eye contact, difficulty interacting with peers (sharing toys, physical contact, etc.), or any repetitive gestures like rocking. Although these gestures and behaviors are symptoms of autism, they do not necessarily mean that you have autism.

Even if you or your child is diagnosed with autism, it does not guarantee that you will be eligible for benefits. Much like other disabilities, your disability must have significant severity to show that you are unable to work a job, or that your child struggles significantly more than their peers in school. Autism has a wide spectrum of symptoms that vary in severity. On the lower end of the spectrum is Asperger syndrome; this is the least severe in terms of symptoms and behavioral/social impairments. People with Aspergers usually exhibit difficulty with social interactions with their peers and on occasion have verbal communication difficulties that could be fixed with speech therapy. On the other end of the autistic spectrum you’ll find disorders like Rett syndrome, which is significantly more disabling than the lower end of the spectrum. Those diagnosed with Rett syndrome lose the ability to verbally communicate with others and have other severe symptoms.

In order to be found disabled and eligible for Social Security benefits, a doctor must find that the adult or child has impairments in their ability to socially interact, communicate, or that they are restricted in their abilities to perform certain activities/actions. Once the doctor has diagnosed this, they must find that these impairments create such severe limitations “in at least two of the following: communicative/cognitive functioning, social functioning, personal functioning, and/or sustaining concentration, persistence, or pace.” If you are unsure of whether or not you or your child falls under these requirements for autism, you can always look on the Social Security website under their listings of impairments at the following link:
https://www.socialsecurity.gov/disability/professionals/bluebook/AdultListings.htm

The following information presented in this blog article was derived from the following article:
https://www.disabilitysecrets.com/conditions-page-2-53.html

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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What to Do: Bankruptcy or Debt Consolidation?

When facing issues with debts, there are a couple of ways to go about fixing it, two of which being more popular: bankruptcy and debt consolidation. Much like other decisions made in life, each one has its own benefits and consequences. However, filing bankruptcy is usually the better route to take when deciding between the two.

Unlike bankruptcy, debt consolidation does not completely discharge your debts. Instead, your credit counselor will need to try and negotiate with creditors to create affordable interest rates for you, lowered monthly payments, or help you obtain a larger loan to pay off credit debts. This is problematic because it does not wipe out your debts, but practically creates more being as you may need to take out a loan. Another pitfall of debt consolidation is the fact that not all creditors will want to make a deal with a credit counselor; nor do they have to be dealt with all at once. If your credit counselor so chooses, they can deal with your creditors one at a time which will both prolong the process and make you susceptible to problems with your other creditors who have yet to be dealt with. One more thing to keep in mind about debt consolidation is that credit counselors usually only help out with unsecured debts (credit cards, medical bills, etc.), not secured debts (mortgages, vehicle loans, etc.). Bankruptcy, however, does deal with both.

As you may have guessed after reading the previous paragraph, filing bankruptcy is most likely the best option to go with. If you were to file under Chapter 7, a large portion of unsecured debts will be discharged and unlike debt consolidation, all creditors must oblige by it. They cannot choose whether to be a part of the discharged debts or not. If you were to go the route of Chapter 13, you will set up an affordable payment plan with creditors to pay off debts with the additional benefit of protecting your secured assets from being repossessed (unlike in debt consolidation). One final thing to keep in mind is that debt consolidation has a tendency to cost more than bankruptcy, as well as have fewer benefits. Although every person’s situation is different and their solutions to debt may vary, filing bankruptcy should be considered before going through with debt consolidation.

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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Are You Eligible for Social Security Disability Benefits?

Have you found yourself questioning whether or not you are eligible for social security disability benefits?  There are a couple of things you can look at on your own to figure out whether you should apply for such benefits.  One of the biggest things to look at is how your disabling condition affects your working abilities.  If your condition is preventing you from working for a full year or it prevents you from making $1,040 per month you may want to consider applying for Supplemental Security Income (SSI).  On top of that, you should apply if you are struggling for over a year at work to perform simple everyday activities, such as walking or standing, due to your disability.  You may also want to look at your past experiences at work; look at how your work abilities have been affected by your disabling condition.  Are there things you could do before that you can no longer do now? If the answer to that question is yes, you could be eligible.  However, the Social Security Administration (SSA) will look into whether or not you have a capability of doing any other type of work.  For example, let’s say you have worked all your life at a job that requires you to stand. Recently, though, you suffer from a condition that prevents you from standing for long periods of time; the SSA will try to determine whether or not you could perform well at a job where you are sitting for most of the day.  If you are capable of doing different types of jobs you will not be found eligible for SSI.  However, if you are incapable of performing at your job and at other jobs with different types of work you could be found eligible.

Aside from looking at how your medical condition affects your abilities at work, you can look at a list of impairments provided by the SSA to determine if you are disabled and eligible for benefits.  The following link will bring you to a site that lists off the impairments that are thought of as so severe they prevent an individual from performing at work environments.  If your medical condition falls under any of these impairments, you may automatically be found eligible for social security benefits and SSI by the Social Security Administration.

These were just a few ways you can go about determining on your own whether or not you should apply for social security disability.  Keep in mind these are not for sure ways to determine whether or not you will receive SSI, but rather are just mere stepping stones in to determining whether you should apply or not.

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 Meeting of Creditors (What to Expect in Minnesota)

About 3 to 5 weeks after you have filed for bankruptcy you will be required to attend a meeting of creditors, which is also known as the 341 meeting.  For some bankruptcy cases, just the meeting of creditors will suffice, in others you may need to appear in court; even if you didn’t need to appear in court, you should take this meeting just as seriously. Another thing to keep in mind is that although the name of the meeting implies creditors will be there, it does not necessarily mean that ALL of your creditors will be there.  Most times you will see only one creditor at these meetings.  In addition to the few creditors that may be present, your lawyer and a bankruptcy trustee will show up as well.  A bankruptcy trustee is somebody appointed by the court to review your case and deal with your estate/assets, they will also be the ones to ask you a series of questions regarding your bankruptcy case during this meeting.

Before heading to your meeting, make sure you have the following items with you: proof of ID, social security number, most recent pay stub, and bank statements.  If you are missing one of these items you will have to reschedule your meeting (especially if you forget your ID or social security number).  If you forget your pay stub or bank statements but your attorney has back-up copies on hand, your meeting can continue as planned.

As mentioned above, the trustee present at your meeting will ask you a series of questions regarding your case.  The following are some areas the trustee may ask about: your assets, property ownership, your bankruptcy petition, whether or not others owe you money, history of payments to creditors, property transfers, domestic support, or previous bankruptcy filings.  These are just a few areas that the trustees might ask about, however, they are not all the areas they may question you on.  These questions may make it seem like this could be a long meeting, but it is quite short.  The meeting of creditors usually lasts around 5 minutes; it is short, brief and is meant to get to the point.

 

https://www.friedmaniverson.com/consumer/blog/bankruptcy/what-should-i-expect-at-my-bankruptcy-meeting-of-creditors/

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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