Monthly Archives: October 2010

Short-term vs. Long-term Disability – What’s the difference?

As a Louisiana disability lawyer, I have been asked to explain the difference between short-term disability benefits and long-term disability benefits on more than one occasion.  This is my attempt to explain the differences and similarities as briefly as possible. Short-term disability insurance is designed to pay you benefits quicker and for a shorter period…

Social Security Disability & Addiction – Not Only A New Orleans Problem

Alcohol and drug addiction is prevalent throughout our society, not just in New Orleans as some would have us believe.  As a social security disability attorney, I am often asked how people with drug or alcohol addiction are able to get disability benefits.  I have also been asked whether having a drug addiction or being…

How Long Do You Need To Wait To Apply For SSDI?

The surprising answer is – YOU DON’T NEED TO WAIT!! You can file for social security disability benefits on the day that your doctor diagnoses you with a disability, or on the first day you can no longer work because of your disability. Many people mistakenly believe that they must be disabled for a certain…

How Long Does It Take To Get SSDI Benefits After I Am Approved?

Congratulations!  Your social security disability benefits claim was approved.  If you are like most of my Louisiana disability clients, after your SSDI claim has been approved – you want to know -  WHEN WILL I GET THE DISABILITY BENEFITS I HAVE BEEN AWARDED? It will usually take a few months for your benefits to start…

The Disability Offset Catch

If you have long-term disability insurance through your work, and you have received long-term disability benefits under that policy, you need to be aware of the disability offset provisions. Most likely, your disability policy contains language that allows the long-term disability insurance company to deduct (or offset) any amounts you receive from other sources for…

The Face of Long-Term Disability Insurers

Long-term disability insurance companies will tell you that they are serving a vital niche for disabled Americans and giving Louisiana workers a safety net when they fall ill.  These insurance giants, (like Unum, The Hartford,  and many others) spend millions each on marketing their virtues each and every year. But their dirty little secret is…

How Do I Apply for SSDI or SSI?

You can apply for social security disability benefits or supplemental security income benefits in a number of ways. The best and most reliable method is to go to your local social security office and apply in person.  I am listing a few Louisiana Social Security Offices here for your reference. 1616 Joe Yenni Blvd, Kenner,…

Social Security – Disability Definition

I am often asked by Metairie social security disability claimants how social security defines disability. So, I thought the answer to this question would make a great blog post. The short answer is, for most people, disability is defined as: an inability to engage in any substantial gainful activity by reason of any medically determinable…

No 2011 COLA for Social Security

According to a report from the Associated Press and published in the New Orleans Times Picayune, Social Security recipients are unlikely to receive a cost of living adjustment (COLA) to their monthly benefits in 2011.  COLAs are set automatically based upon a complicated formula that takes into account inflation. With the country’s struggling economy, the…

Louisiana Disability Law – New & Improved

Today marks the relaunch of LouisianaDisabilityLaw.com. I am Luling Disability Attorney Loyd J. Bourgeois, and I am proud to announce the redesign and relaunch of my Louisiana Disability Law website.  The new and improved site includes Frequently Asked Questions (FAQ) on social security disability (SSDI) and ERISA long-term disability (LTD).  The content has been updated…