Disability Claim Denials, Is This the Wrong Time to Be Disabled in America?

14 million Social Security disability applications were denied in a single decade, between 2000 and 2010, while the percentage of denials escalated from 34 percent to 65 percent. Is this the wrong time to be disabled in America?

Note the following headlines:

Federal Disability Traffic Jam The Washington Times

Soldiers risk ruin while awaiting benefit checks Associated Press

Disability Claims can be tough to collect Wall Street Journal

It’s time to stop billions of dollars of disability benefits from being denied, unnecessarily.

Does the Disability Safety Net have holes in it? If more than 60 percent of Social Security disability claims are denied initially, then why are 63 percent approved at the hearing stage? What causes the turn around? Unfortunately 39 percent of claimants give up before determining if they would be successful going through the appeal process!!

1.2 million Social Security Disability applications were filed in 1999 (48 percent of 579,000 were declined). In 2009, ten years later, 2.8 million Social Security Disability applications were filed (and 65 percent or 1,830,530 were declined). The number of disability applications more than doubled while denials more than tripled. In one year, more than $23 TRILLION dollars of annualized benefits were lost. That’s 1.8 million Americans who won’t collect benefits they thought they were entitled to.

Based on the 2010 average payment to those who qualify, that represents more than $19.5 million of monthly benefits that won’t be paid. Annualized, $23+ trillion dollars per year is an overwhelming amount of disappointment.

Many initial disability claims are denied for simple mistakes and omissions which have absolutely nothing to do with the claimant’s disability status. Think about what it is like to wait 17 months to hear you didn’t answer one question. Then you can wait another 17 months after you’ve added one simple answer. There must be a better way. Those facing claim denials are filing an unprecedented number of appeals burdening the already damaged system even more. With an average of nearly 17 months waiting for a judge to hear their appeal, what’s happening in the meantime?

Currently there’s three-quarters of a million Americans stuck in the Social Security disability backlog. Not being able to pay their bills causes the man of the house enormous mental anguish. The state of marital relationships in these situations deteriorates rapidly. Soon our divorce courts will be experiencing the same type of backlog the Social Security Administration is now facing.

Is this the wrong time to be disabled in America? Tens of millions of dollars in disability benefits go unpaid by private insurers. Over 40 states jointly investigated how one insurer handles their disability claims. Another state set up a system to scrutinize the handling of every rejected claim. What led to the dramatic change in the handling of disability claims? Or has anything changed at all and there’s just more adverse publicity?

As reported in USA Today… 22,500 Veteran’s PTDS disability claims denied as personality disorders. How is it possible that a personality disorder, assuming it existed prior to military service, is diagnosed when psychological evaluations aren’t done prior to induction?

According to the data obtained through the Freedom of Information Act, more than 25 percent of Iraq and Afghanistan vets seeking care at the VA have PTSD. And this statistic doesn’t include the mentally ill vets who haven’t had treatment at the VA due to the stigma associated with PTSD. In the meantime, families go on welfare and food stamps. Homes are being foreclosed. Drugs and alcohol disrupts any hope for family harmony. Homelessness occurs! Suicides begin to take lives that the battlefield didn’t.

One very simple yet insurmountable obstacle is the application process itself. The VA has a long history of bureaucracy. The disability claim form itself is a 23 page document. How many vets are accustomed to 23 pages of paperwork? The word “intimidation” comes to mind as a reason many veterans will never file a claim. A claim for benefits they were eligible for.

Each year TRILLONS of dollars in Insurer, Social Security and Veterans Administration disability claims WILL continue to be denied. It’s imperative the claimants understand how to correctly file a Long Term Disability claim, “doing it right” the first time and dramatically improving the likelihood of collecting benefits.

The U.S. Census Bureau recently projected a 75 percent increase in the age 65+ population by 2030. That will increase the number of age 65+ Americans to 69 million, more than 20 percent of the entire population. An aging population brings with it an automatic growth in the disability “TSUNAMI”. Since the Americans with Disability Act forces disability insurers to continue disability coverage to those over age 65, an older workforce guarantees more claims.

We haven’t seen any valid creditable source that has identified any reason for the escalating rate of claim denials or what we’ll call disability claim “deterioration”. Hence, I can offer what I believe is happening in the backrooms of the insurers claims departments.

Americans currently face the highest unemployment level we’ve experienced over the last three decades. The current state of the economy has impacted our American workforce in disastrous proportions. There’s a natural escalation of disability claims incidence with increasing unemployment.

Mortgages are being foreclosed at an unprecedented rate. Several states have begun to deny previously valid claims as Medicaid budgets have become overwhelmed. Is it any wonder that the cost of medical care, and not being able to pay for it, is the largest cause of mortgage foreclosures?

To continue, we now have causes of disability that didn’t exist two decades ago. Carpel tunnel and chronic fatigue syndrome are being diagnosed more than at any other time in our history. When we add fibromyalgia to the new list, we have an evolving problem that’s creating a nightmare for the disability insurers. These are known as “self reported” disabilities in that there’s no specific medical testing that can diagnose these conditions. It’s easy to understand how disability claim examiners can mistrust “self reported” symptoms. This makes it an onerous process for those who are truly adversely effective by one of these conditions from collecting benefits they’re entitled to.

In summary, we now face a dramatic increase in the 20 percent of the population in an older age group. They’re still working with an increasing incidence of disability. Unemployment compounds the problem even more. And adding new causes of disability and our litigious society results in more PROMISES UNKEPT.

Allan Checkoway

Copyright 2011

Allan Checkoway’s career includes more than 30 years in the health care insurance field, and a specialty in the brokerage placement of disability and long-term care insurance coverage. Allan is the author of ‘Disability Income: A How To Guide’, published by R & R Newkirk, and ‘Disability Income Insurance’, published by Kaplan Publishing. His articles have been featured in the Wall Street Journal, Legal Economics, Lawyers Weekly, Journal of Financial Planning, National Underwriter, Health Insurance Underwriter, Life Association News, Advisor Today, ProducersWEB, and other professional trade journals.

Allan is Past President of the Disability Insurance Training Council and has received the National Association of Health Underwriters’ Norma Medill Award for Journalism. He served as Regional Vice President of the National Association of Health Underwriters and has been a frequent speaker at the Million Dollar Round Table.

Allan’s newest publication ‘Getting Paid’, a disability benefits resource manual is scheduled for publication December 2011. Allan shares Insider Tips on how to correctly file a Long Term Disability claim, dramatically improving the likelihood of collecting benefits. His new publication was developed to help the multitude of disabled Americans learn ho

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Buy Tulsi Herbs Online And Marvell At Its Beneficial Excellence

Basil or Ocimum Basilicum is a culinary herb that belongs to the Lamiaceae family. It is also known as the ‘royal herb’. Basil or Tulsi, as it is popularly known, forms a natural remedy for a variety of skin and hair related problems. Though, majorly unexplored, buy tulsi herbs online as tulsi for hair and skin can actually work wonders. Basil has been known worldwide for its medicinal values and forms an important ingredient of Ayurvedic sciences and herbal medicines and treatment since the ancient times to be precise. The tulsi leaf powder comes with innumerable benefits to its credit which makes it an all-in-one natural powder that works as a beauty enhancer as well as a solution to a host of hair and skin related ailments.

Tulsi powder makes for this 100% Natural Powder that provides for an effective remedy against several hair and skin issues. It makes for this multipurpose, micro-fine powder that can be used both for your hair, skin, and face due to its organic and nutritional properties. Basil is not without benefits in case of hair and skin treatments rather it forms an important part of hair and skin care and herbal treatment skin packs and hair masks. as Tulsi has an important medicinal value for our health in general. It actually works wonders in terms of our health, skin, and hair.

Wondering about the different benefits of the Tulsi leaf powder? Buy tulsi herbs online as it can add to the health of the hairs and skin while catering to an array of additional benefits in terms of hair and skin care:

Hair Care:

•Functions As A Natural Remedy For Scalp Infections:Tulsi is known for its anti-bacterial and anti-inflammatory properties, this is the main reason why as a natural remedy basil is prescribed majorly for the treatment of scalp related infections and allergies. It, therefore, helps protect the scalp from germs and keeps it free from the accumulation of dirt. In addition, it is highly recommended to people suffering from the flakiness of the scalp. The dryness, the itchiness is reduced with the help of Basil. Helps nourish dry scalp by moisturizing it.

•Provides For The Required Nutrition And Nourishment: Tulsi supplies the natural ingredients for the proper nourishment of the hair which helps in circulating the necessary nutrients to the hair follicles that prevents hair breakage and reduces brittleness to a great measure. This combats hair loss in an effective manner. Tulsi leaves work wonders for the hair, as it is extremely helpful in tackling the problem of hair loss. Can be effectively put to use for undernourished hair as well and helps vitalize the hairs in an effective manner.

•Treats Dandruff Naturally: Tulsi is the natural remedy for the treatment of dandruff in an effective manner. A few drops of basil oil needs to be mixed with coconut oil and with the proper application on the scalp is to be left overnight. The next day when washed with a mild shampoo, it reduces dandruff, frees the scalp from itching and irritations which gets you instant relief from the same.

•Cure For Dry Scalp: Basil oil for the hair helps in reducing dryness of the scalp and is an effective natural product that frees the scalp from impurities and dead cell accumulations.

•Combats Pre-Mature Greying: It is an herb that has anti-aging properties which helps prevent premature greying of the hair.

Skin Care:

•Combats Skin Damage: The tulsi leaf powder helps fight cell damage in an absolutely herbal manner. In this case, the damage refers to that the skin incurs on an everyday basis which includes free radicals like pollution, other damaging substances and Ultraviolet rays of the sun and this gets prevented with the use of this amazing natural powder.

•Functions As The Best Pimple Cure: With its medicinal properties and owing to its anti-inflammatory qualities, the tulsi powder functions as the natural cure for pimples, acne and other breakouts. In the endeavor, this completely natural leaf powder helps prevent skin inflammations to be precise.

•Delays Skin Ageing: The tulsi leaf powder also helps to delay the process of skin aging by doing away with the first signs of aging like fine lines, spots, and wrinkles.

•Helps Reduce Pigmentations: This excellent powder help to reduce pigmentations and dark spots, scars, blemishes and in addition shall invest the skin with a natural youth boost with that perfect dose of radiance.

Directions For Use:

Buy tulsi herbs online which can be combined in an array of different ways with other natural extracts like herbs, plant extracts, and other essential oils as per individual preferences and needs in the different hair and skin care masks.

Hair care:

Tulsi Leaf Powder Hair Mask For Combating Hair Fall:

•Take about 2 tablespoons of Tulsi leaf powder and mix it with lukewarm water till you get a smooth paste.

•Apply this hair pack on your hair and scalp in an even manner. Remember to apply it throughout the length of the hairs.

•Leave it for at least an hour.

•Rinse it off with a mild shampoo and warm water.

•For best results, opt for this hair mask twice a week to do away with hair loss in an effective way.

Tulsi Leaf Powder And Coconut Oil Massage For Stimulating Hair Growth:

•Take about 2 tablespoons of completely natural Tulsi leaf powder and mix it with coconut oil till you get a combination oil. If possible heat this oil for some time and let it cool down. Make sure to apply it when it is warm enough for the application.

•Apply this combination of hair oil on your hair and scalp with the help of a gentle massage. Remember to follow one particular direction for application as it helps stimulate hair growth faster.

•Leave it for at least an hour.

•Rinse it off with a mild shampoo and water.

•For best results, opt for this combination hair oil massage twice a week for it helps stimulate hair growth within a quick span.

Tulsi Leaf Powder And Amla Powder Hair Pack For Combating Premature Greying:

•Take about 2 tablespoons of organic Tulsi leaf powder and 2 tablespoons of Amla powder and mix it with a substantial amount of water till you get a smooth paste.

•Apply this hair pack on your hair and scalp in an even manner. Remember to apply it throughout the length of the hairs.

•Leave it for at least an hour.

•Rinse it off thoroughly with a mild shampoo and water.

•For best results, opt for this hair mask twice a week to combat the premature greying of the tresses in the most effective manner.

Skin Care:

Tulsi Leaf Powder And Egg White Anti-Ageing Face Pack:

•Take 2 tablespoons of tulsi leaf powder and mix it with an egg white till you get a creamy liquid.

•Apply it smoothly and evenly on the face and adjoining neck area.

•Let it dry for at least 20-30 minutes.

•Wash it off thoroughly with water and pat dry your skin.

•Repeat this process twice a week to do away with the first signs of aging for this add a natural youth boost to the skin in an effective way.

Tulsi Leaf Powder And Orange Peel Powder Anti-Marks Face Pack:

•Take 2 tablespoons of Tulsi leaf powder and 1 tablespoon of Orange peel powder and mix it with some water till you get a semi-thick paste.

•Apply it smoothly and evenly on the face and the neck area.

•Leave it to dry for some time at least for 30-40 minutes.

•Wash your face thoroughly with fresh water and pat dry your skin.

•Repeat this twice a week to get clearer complexion and to remove any kind of spots, marks, and blemishes in an absolutely herbal way.

Tulsi Leaf Powder And Sandalwood Powder Anti-Inflammation Skin Pack:

•Take 2 tablespoons of tulsi leaf powder and 1 tablespoon of Sandalwood powder and mix it with some water till you get a semi-thick paste.

•Apply it smoothly and evenly on the skin.

•Leave it to dry for some time at least for 15-20 minutes.

•Wash your face thoroughly with fresh water and pat dry your skin.

•Repeat this twice a week for it helps to do away with skin inflammations while soothing the skin and also adds an instant glow to the skin.

Tulsi Leaf Powder And Milk Whitening Skin Pack:

•Take 2 tablespoons of the organic Tulsi leaf powder and mix it with some milk till you get a thick paste.

•Apply it smoothly and evenly on the face or skin as per requirement.

•Let it dry for some time at least for 20 minutes.

•Wash your face thoroughly with normal water and pat dry your skin.

•Repeat this twice to thrice a week for skin whitening purposes.

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