{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"017: Disability Income \u2013 How To Do It Right and Avoid The Many Pitfalls","description":"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\u2019s crucial for someone filing for disability to seek an attorney\u2019s 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 \u2013 there are too many pitfalls that could cause even more damage.   Time-stamped Show Notes: 2:30 \u2013 Michelle starts by discussing the different types of disability income benefits that are available 5:40 \u2013 Because the focus of the show is on private benefits, Michelle highlights what ERISA is and how it governs disability income benefits 9:47 \u2013 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 \u2013 Why it\u2019s important for someone filing disability to talk to an attorney before going it alone and getting the process started 18:05 \u2013 If a claim initially gets denied, but the appeal gets approved, does the claimant get the full amount they were originally pursuing? 19:50 \u2013 Michelle discusses how \u201cpre-existing condition\u201d applies to the disability world 22:00 \u2013 Kirsten asks Michelle, \u201cAre there other limitations buried in these policies that people need to know about?\u201d 26:00 \u2013 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 \u2013 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\u2019t realize is that it is much trickier than, \u201cMy doctor says I\u2019m injured and can\u2019t work.\u201d 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\u2019s Blog \u2013 Your ERISA Watch: www.erisawatch.com Michelle\u2019s Guest Blog Appearance on Absolute Trust Counsel Blog: What\u2019s In Your Medical Records?  The Importance of Doctor\u2019s 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\u2019d love for you to follow us if you haven\u2019t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We\u2019d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select \u201cRatings and Reviews\u201d and \u201cWrite a Review\u201d 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\u2014from 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.     ","author_name":"Absolute Trust Talk","author_url":"https:\/\/absolutetrustcounsel.com\/podcast","html":"