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017: Disability Income – How To Do It Right and Avoid The Many Pitfalls
In episode 17 of Absolute Trust Talk, Kirsten welcomes Kantor & Kantor, LLP partner Michelle Roberts into the studio. Michelle has focused her entire career on helping claimants win disability claims under employer-provided disability plans. She is also a specialist in the act that governs disability benefits provided by employers, known as ERISA, which stands for the Employee Retirement Income Security Act of 1974. In this episode, she highlights the most important tips, tricks, and strategies surrounding all things disability income. Kirsten and Michelle begin by talking about the different types of disability income. They later discuss common mistakes that people make when filing for disability, and why it’s crucial for someone filing for disability to seek an attorney’s advice. Then Kirsten and Michelle break down the multitude of ways in which claimants can get into trouble when their claim gets denied, limitations that people might not realize about disability policies and what types of disability are covered by private plans.   Top Takeaway from Episode #017: If you do have a denied disability claim, seek legal advice before you move forward – there are too many pitfalls that could cause even more damage.   Time-stamped Show Notes: 2:30 – Michelle starts by discussing the different types of disability income benefits that are available 5:40 – Because the focus of the show is on private benefits, Michelle highlights what ERISA is and how it governs disability income benefits 9:47 – Kirsten asks Michelle to share some of the most common mistakes she sees people make when they are trying to get disability from employers 13:20 – Why it’s important for someone filing disability to talk to an attorney before going it alone and getting the process started 18:05 – If a claim initially gets denied, but the appeal gets approved, does the claimant get the full amount they were originally pursuing? 19:50 – Michelle discusses how “pre-existing condition” applies to the disability world 22:00 – Kirsten asks Michelle, “Are there other limitations buried in these policies that people need to know about?” 26:00 – It sounds like an expensive process of pursuing legal help to apply for disability in the right way. Is that a deterrent for people? 27:25 – Michelle discusses what types of policies are covered by private policies   Episode #017 Freebie: Filing for disability might seem straightforward, but what many people don’t realize is that it is much trickier than, “My doctor says I’m injured and can’t work.” Absolute Trust Talk guest and disability expert Michelle Roberts is sharing with listeners a vital planning tool called A Guide to Disability Benefits. This straightforward blueprint lays out the different types of disability benefits and walks you through the steps to pursuing a disability claim not just the right way, but also the smart way. Click here to download your copy of A Guide to Disability Benefits.   Resources/Tools/Links Mentioned In This Episode: Michelle’s Blog – Your ERISA Watch: www.erisawatch.com Michelle’s Guest Blog Appearance on Absolute Trust Counsel Blog: What’s In Your Medical Records?  The Importance of Doctor’s Notes to Support Long-Term Disability Claims Under ERISA Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together  Visit https://absolutetrustcounsel.com/scheduling/ or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit Q2Mark.com.    
Absolute Trust Talk
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