The Department of Veterans Affairs provides disability compensation for veterans who were discharged under conditions other than dishonorable, and have a current illness or injury that began during, or was made worse during their service. The VA pays compensation based on a Rating Schedule with increasing benefits as the level of disability increases (from 0% to 100%).  The VA may also pay benefits at 100% if, solely due to service-connected impairments, a veteran is “totally disabled.”  The current rates for VA compensation can be found here.  A veteran may receive special additional compensation under certain circumstances for very serious injuries. Additionally, disability pension benefits are available to wartime veterans who are unable to work (regardless of whether their impairments are service-connected), and have limited income. If you have not applied for these benefits, but believe that you may be eligible, you can apply online by completing the “Veterans Online Application,” at the VA’s “eBenefits Portal” here. Currently, the law only allows a veteran to hire an attorney after it has issued an initial rating decision.  This can be either a denial, or a less than fully favorable Rating Decision.  If you have been denied or received a Rating Decision that you are not totally satisfied with, please contact us today.  Even if you have not yet applied, one of our experienced veterans law attorneys would be more than happy to discuss your case. Please don’t hesitate to call and speak with one of our skilled veterans benefits lawyers.  You fought for us, now let us fight for you!
By David S. Bross, Esquire In previous columns, I have offered mostly “nuts and bolts” instructions for filing and succeeding in disability claims. Here is a modest suggestion, which I think, kills two birds with one stone:  LISTEN TO YOUR DOCTOR. This strengthens your chances of winning when you make a disability claim, while also (it is hoped), helping restore to you some quality of life. Continue reading
By David S. Bross, Esquire If you read my first two columns about disability insurance, you should now have a basic understanding of both the need to protect one’s ability to earn an income and the essential features of disability insurance policies.  What happens, however, if you actually suffer the misfortune of a disability, file a claim, provide all the necessary documentation to the insurance company and then have your claim denied (or terminated)? Continue reading
By David S. Bross, Esquire While most Americans insure their lives and material assets, like their homes, cars, etc., many overlook the need to protect their most valuable asset  — the ability to earn an income. In my last column, I reviewed individual disability insurance (“D.I.”). This article will look at group disability insurance policies, commonly referred to as “LTD” policies. First, though, everyone should be familiar with New Jersey’s law, which provides up to six months of disability benefits. Continue reading
By David S. Bross, Esquire Julia Robertson (a pseudonym) is a 42 year-old mother of two.  After earning her associates’ degree in nursing, she worked full time as an RN for several area hospitals for 14 years.  When she decided eight years ago to stop working so that she and her husband could start and raise a family, she was earning over $75,000.00.  Julia had intended to return to work on a part-time basis when her youngest child entered kindergarten this past fall. Continue reading