Unfortunately overpayments are a pretty common occurrence that may or may not be at any fault of your own.  An overpayment occurs when Social Security pays you more then they should have paid.  This can happen due to changes in your living arrangements, no longer being disabled, beginning to work, receiving a settlement in […]

It was recently announced that Windhaven Insurance Company went bankrupt and is in receivorship.  As many medical providers and insureds are aware, they were an insurance company that looked for any reason they could to avoid the payment of insurance claims.  As a result, many medical providers have significant amounts of unpaid medical bills.  The […]

We provide RFC’s (residual functional capacity questionnaires) to our clients for them to take to their doctors to complete on our Client’s behalf.  Many of the clients ask the reasoning for these forms as we already have the client’s complete chart from the doctor’s office.

Policy Rescinded? In, Jarvis McKiver v. Windhaven Insurance Company, 26 Fla. L. Weekly Supp. 320a (13th Judicial Circuit in and for Hillsborough County, June 7, 2018), in which the Court granted summary judgment in favor of the insured on the issue of material misrepresentation.

Snowbird Season At last, that special time of year that us Floridian’s refer to as “Snowbird Season” is upon us.  It is that time of year where many of Florida’s part-time residents from various parts of the country, and world, return to the Sunshine State for their annual winter residency away from the cold and […]

As classes start at schools across Florida, you have undoubtedly noticed a lot more traffic on the road ways and longer commutes.  Along with the children returning to school, thousands of workers will be returning to, or starting for the first time, their positions as teachers, administrators, maintenance workers, school resource officers, etc…  Regardless of […]

Date Last Insured Many people wait years before filing for disability benefits in hope that their medical conditions will improve allowing them to return back to work.  Many people are also unaware that once you stop working after a period of time (normally up to 5 years) that you loose your disability insurance. 

Insurers need proper evidence in order to prove material misrepresentation In Jarvis McKiver v. Windhaven Insruance Company, 26 Fla. L. Weekly Supp. 320a (13th Judicial Circuit in and for Hillsborough County, June 7, 2018), the Court granted summary judgment in favor of the insured on the issue of material misrepresentation.

If you are approved for Social Security Disability Benefits, you will be entitled to Medicare coverage, and don’t have to wait to age 65.  You are entitled to Medicare your 25th month after your entitlement for benefits. Many people will already wait out the time period during the life of their claim, although some will […]

The answer is yes, with some qualifiers.  Workers compensation is a no-fault law which essentially means that when we are injured at work your employers workers compensation insurance carrier will provide medical and indemnity benefits, regardless of who was at fault for your accident, yourself, your supervisor, your co-worker, etc…