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Cincinnati Area Insurance Companies Try to Choose Your Social Security Disability Attorney for You – Is This Good or Bad?

Posted on Friday, August 31st, 2018 at 3:52 pm    

The following post is part of our Law Student Blog Writing Project, and is authored by Dayna Wilson, a law clerk at Lawrence and Associates, who is pursuing her Juris Doctorate at Chase College of Law.

If you suffer from an illness or injury that leaves you unable to work for an extended period of time, and you have long-term disability (LTD) insurance, there are some circumstances where your LTD coverage may affect the process of applying for Social Security Disability Insurance (SSDI) benefits. The LTD contract that you signed most likely contains a provision that requires you to apply for SSDI benefits while you receive your LTD benefits. Because this LTD contract requires you to apply for SSDI benefits, your LTD carrier will probably refer your case to a SSDI advocate firm or attorney whom they work closely with. This referral may be confusing to you because the LTD carrier may not clearly explain why they are making this referral. Because this process is not thoroughly explained, you might unsure how to move forward with this unfamiliar advocate group or attorney.

During this difficult time in your life it is important to keep in mind your ultimate goal – to be covered and protected – and to relay that goal to the LTD carrier’s advocate group or attorney who you have been referred to. This blog will explain your options for your SSDI case when you have LTD benefits, as well as, what you should do if your LTD carrier refers you to an advocate group or attorney so that you can ensure your goals are being met.

What You Should Do If Your Long-Term Disability Insurance Company Refers You to an SSDI Advocate Group or Attorney?

If your LTD carrier refers you to its own advocate group or attorney, keep in mind that you are not required to retain this specific advocate group or attorney. You are allowed to hire any representative that you want to assist with your SSDI case. All Social Security representatives charge the same type of fee for their representation. The LTD referral is no cheaper than any other attorney in your area.

Sometimes the LTD carrier will tell you that the group or attorney that they are sending you to does not cost you anything up front, keep in mind that this is also the case with a local attorney of your choice. All representatives charge the exact same rates under Social Security’s rules. The only difference between an attorney of your choice and your LTD carrier’s attorney is that the LTD’s attorney may send your LTD carrier a cut of their fee as part of their referral arrangement.

Your Long Term Disability carrier’s ultimate goal when referring your SSDI claim to this advocate group or attorney is to get you approved for SSDI as soon as possible. This is most likely also your goal. Your LTD carrier wants you to be approved for SSDI because, if you are approved for SSDI then your LTD benefits will terminate. This is the case whether or not you use the advocate group or attorney that the LTD carrier suggests.

Do You Prefer a Greater Cincinnati Area Law Firm, Where You Can Meet Your Attorney Face to Face?

The advocator group or attorney that your LTD carrier refers you to will most likely be a large national group or firm. This is not necessarily a bad thing, but there are things to be considered. Chances are with a large national group or firm you will never meet your attorney/ representative until the day of the hearing. This can make for an impersonal process, which can make you feel like just another name on a list and can potentially result in the representative or attorney leaving out essential information in your case. Meeting with your attorney/representative prior to your hearing is important so that your attorney/representative can fully prepare themselves, and you, for what to expect during the hearing. A local attorney/representative is more likely to go over your file and prepare you for the questions the judge will ask you at least a few days prior to the day of your hearing. This more personal experience can help you feel confident and prepared going into the hearing.

Searching for the Right Social Security Attorney.

Remember, you have the right to choose your own attorney. Do not feel like you have to use the attorney or representative that the LTD carrier suggests. The Social Security Disability application process can be overwhelming. You should find a disability attorney who you like and trust. No matter who you decide to retain, be sure to communicate your ultimate goals and interests to your attorney. Retain an individual who makes you feel confident and comfortable with their legal representation. A good Social Security Disability attorney will ensure that you have a fair hearing. It is important that you choose an attorney who is familiar with the Social Security laws so they can offer you the best chance at getting your claim approved. It is important that you do not sign any forms or contracts that your long-term disability carrier sends you regarding the SSDI process until you have researched the firm and you are confident that they are the right fit for you. If you decide not to use the representative that the LTD carrier suggests, and instead hire someone else, be sure to inform your long-term disability carrier in writing that you have retained an different attorney and provide the LTD carrier with your attorney’s name and contact information.

Make Sure You Ask The Right Questions

questionFinding an attorney willing to take your Social Security should not be very difficult. However, finding a qualified disability attorney can be a tough process. Whether you use the representative that the LTD carrier suggests or someone of your own choosing, you should ask the right questions to determine whether the attorney truly has your best interests in mind. The first question you should ask is how accessible the attorney will be. Some social security attorneys handle large volume of cases, because of this, an attorney may not be able to provide adequate individual attention to your case. This should be one topic of your conversation. If your attorney understands your concerns and needs in the beginning, future misunderstandings can be prevented. Next, make sure the attorney has experience in the field of Social Security. This will ensure the attorney understands the nature of the Social Security Disability claim process. Finally, make sure you and your attorney get along. You want to trust your attorney and you want to make sure they have your intentions and goals in mind. The process will run much more smoothly if you hire a representative who will work hard for you, no matter if they are part of a national or local organization.

If you feel like a local firm is a better fit for your needs, Lawrence & Associates may be able to help you obtain the benefits that are owed to you by the Social Security Administration. We are strong advocates who focus on individual attention and stand up for your right to recover the benefits you’ve worked hard for. The Social Security Disability process can be exhausting, but with us you will have a personal experience with a local attorney for the same rate as a national organization recommended by your LTD carrier. We’re Working Hard for the Working Class, and we want to help you!


Can a Lawsuit Settlement or Award Be Taxed By The Federal, Ohio, or Kentucky Governments?

Posted on Friday, August 24th, 2018 at 10:42 am    

The following post is part of our Law Student Blog Writing Project, and is authored by Jennifer Tressler, who is pursuing her Juris Doctorate at The Ohio State University Moritz College of Law.

You have been injured. You have no idea how you are going to pay for your medical bills. You are not able to work right now because of your injuries, so your family has lost your income and is struggling financially. It is such an overwhelming time that you file a lawsuit, and—great news—you win a settlement large enough to cover all of your medical bills and allow you to provide for your family until you are able to get back to work.

dollarHowever, now you have new worries. You have won this large amount of money—but will the money from your injury settlement be taxed and taken away from you? Does this money constitute income in the eyes of the IRS? The answers to these questions are dependent upon the facts and circumstances of your specific case.

Generally, though, the IRS will not interfere with the allocation of funds provided that they are consistent with the substance of the claims in your settlement. Different types of claims are treated differently by the IRS, however, and how you should deal with the settlement money from these different types of claims will be briefly outlined here. If your settlement included multiple claims, the amounts pertaining to each claim will be treated accordingly with the rules for that individual amount. This means that if you receive $50,000 for personal physical injury and $50,000 for emotional distress, $50,000 will be regarded under the rules for personal physical injury or physical sickness and $50,000 will be regarded under the rules for emotional distress or mental anguish.

Personal Injury and Emotional Distress Lawsuits

If your settlement is for personal physical injuries or physical sickness and you did not take an itemized deduction for medical expenses related to the injury or sickness in the past, the full amount is non-taxable. You should not include this money in your income reporting. You must, however, include any portion of the settlement that is for medical expenses that you deducted in the past that resulted in a tax benefit. If part of the proceeds is for medical expenses you paid over more than one year, it must be allocated on a “pro rata” basis, or in proportion to the amounts paid each year. Talking to an experienced lawyer at Lawrence & Associates can help you figure out how to calculate the amount to report and fill out the correct forms.

If your settlement is for emotional distress or mental anguish originating from a personal physical injury or physical sickness, it is treated in the same way as a settlement for personal physical injury or physical sickness, which is listed above. If the emotional distress or mental anguish settlement you receive does not originate from personal physical injury or physical sickness from the accident, it must be included in your income reporting. This amount reported is reduced by the amount paid for medical expenses attributable to emotional distress or mental anguish not previously reported and by previously deducted medical expenses for emotional distress or mental anguish that did not provide any tax benefit. A lawyer can help you attach a statement showing these deductions to your return and fill out the necessary forms to document this.

Employment or Property Damage Lawsuits

If you receive your settlement in an employment-related lawsuit, the portion of your proceeds that are for lost wages is taxable and subject to the social security wage base, as well as the social security and Medicare tax rates in effect for the year the settlement is paid. They are subject to employment tax withholding, and a lawyer can help you report these in the appropriate places on your returns. If you run your own business and your settlement is for lost profits for your own trade or business, those proceeds are considered net earnings subject to self-employment tax and must be reported. A lawyer can help you navigate this more complex reporting and help you select the correct IRS forms.

If your settlement is for loss in value of property and is less than the adjusted basis of your property, it is not taxable and generally does not need to be reported on your tax return, although you must still reduce your basis in the property by the amount on the settlement. If your property settlement exceeds your basis in the property, the excess is considered income. A lawyer can help you determine if this applies to you and, if so, how much excess you must report. In addition, any interest on any settlement is generally taxable and needs to be reported.

The Different Treatment for Compensatory and Punitive Damages

Most of the money awarded to you in your settlement is considered compensatory damages, meaning that the money is intended to pay you back for your injuries. Compensatory damages compensate the injured party for their direct suffering (i.e. medical bills, lost wages, resulting health problems, etc.), and you had to prove that you suffered some type of monetary loss, how much the loss was, and that the other party was the cause of this loss. In contrast, punitive damages are intended to punish the wrongdoer, as well as serve as a warning or lesson to the rest of society. They exceed simple compensation. Punitive damages are only available in cases where the defendant is considered reckless or negligent. For example, in a car accident, punitive damages could be available if the defendant was driving drunk at the time of the crash. Punitive damages are always taxable and must be reported as income, even if they were received in a personal physical injury claim. Some settlements containing punitive damages require the recipient to make estimated tax payments on said settlement. A lawyer can help you determine if this applies to you, and if so, how much your estimated tax payments should be.

If you have questions about how your settlement will be taxed, please call Lawrence & Associates today for a free consultation at (859) 371.5997. We’re Working Hard for the Working Class, and we want to help you!


Cincinnati Area Tips and Tricks for Dealing with Insurance Companies After A Car Accident

Posted on Thursday, August 16th, 2018 at 4:07 pm    

The following post is part of our Law Student Blog Writing Project, and is authored by Dayna Wilson, a law clerk at Lawrence and Associates, who is pursuing her Juris Doctorate at Chase College of Law.

Getting into an accident is frightening. You may feel alone and unsure how to proceed after such a terrifying event. Who should you talk to? What should you say? Who is on your side? All these questions may be scattered in your head as you question who you should turn to. The first call you might get is from an insurance adjuster who wants to question you about your accident. At this point, you need an experienced attorney who can help you handle communications with the insurance adjuster to protect your rights. Insurance adjusters for liability insurance policies get annual training on the best ways to interrogate people in car accidents to avoid or minimize damages payable under the policy. Don’t be one of their statistics!

Should You Talk To Your Insurance Company After an Accident?

crashThe goal of your insurance company is to make the other driver’s insurance pay for damages to the vehicle. Although your insurance company is on your side, they are not paid or trained to pursue your claim against the at-fault driver the same way an attorney will. Your retained attorney will work on your behalf with your insurance company and the other driver’s insurance company to maximize your settlement. This is why it is important after an accident to contact an attorney so your rights can remain protected.

In addition, your insurance company has an obligation to pay for related medical bills after a car accident. These payments are called PIP payments in Kentucky, and Med Pay payments in Ohio. However, the adjuster often lives outside the Cincinnati area, and therefore doesn’t have the expertise to help you choose a doctor from the confusing army of medical professionals in the Tri-State area. In a similar vein, many primary care physicians are part of hospital networks that are pressured to refer within the hospital’s network, rather than to the doctor best equipped to treat your injury. One benefit of retaining an attorney early on is that an experienced personal injury attorney knows every doctor in the area, and has seen the outcome of their treatment on hundreds of patients. We know who to refer you to, and take pride in referring to the best medical professional for your condition!

Can An Insurance Adjuster Trick You Into Saying Something To Hurt Your Case?

When you are injured in an automobile accident, one of the first things that will happen is an insurance adjuster will contact you about the car accident. The adjuster may begin with some simple or innocent questions. Although the questions may seem innocent, the adjuster’s motives are not in your favor. Adjusters questions often include:

“Have you been involved in a previous car accident or other accident?”
“Are you the registered owner of the vehicle?”
“Was the weather a factor in the accident?”
“What happened?”
“Were you using a cell phone or any other electronic devices?”

The purpose of an insurance adjuster is to investigate and evaluate insurance claims. Adjusters decide whether an insurance company must pay and if so, how much. They conduct interviews, inspect property, and review police reports. The goal of the adjuster is to obtain valuable information to use during the claims process. While the information may seem reasonable, often any data collected is used against you to lower the value of your claim.

There are good reasons to limit your phone conversations with insurance adjusters when an adjuster calls you after an accident. Many adjusters will call frequently in an attempt to get you to settle quickly. In this case, if your injuries are minimal or nonexistent, it is permissible to talk to the other driver’s insurance company. The police report may place liability on the other driver. If this has occurred, communication with the other side may speed the claims process along.

Often, insurance adjusters will ask the victim to make a recorded statement. Remember an important rule: you should not provide an insurance company a recorded statement concerning the motor vehicle accident without having an attorney present. Simply put, the other side’s insurance company is not on your side, no matter how friendly or approachable they may seem. You can be completely honest about everything. However, later at trial, the insurance company may attempt to use any inconsistent statements between the recorded statement and the testimony at trial against you. Often, such inconsistent statements occur because your memory will fade between the recorded statement and trial, or because you won’t have known an important fact at the time of the recorded statement that you later learn before trial. Despite such reasonable explanations, the lawyer representing the insurance company many attempt to use this contradiction to make the jury question your credibility so that the jury will find for the defendant and not the victim. Having adequate representation will help prevent you from accidentally saying the wrong thing, or speaking about facts that haven’t been adequately investigated.

In addition to attempting to extract information to use against the victim and to get a recorded statement, the insurance company may also try to get the victim to sign a medical release form. These medical release forms allow an adjuster to get all of your medical records from every provider you have ever had. That is an enormous invasion of your privacy, and unjustified by any provision of Kentucky or Ohio law! It is important to keep the goal of an adjuster in the back of your head. They are there to reduce or eliminate your claim and protect their profits. If you provide recorded statements or sign medical releases prior to consulting with an attorney, there is a high chance that your claim will be significantly decreased.

How Can I Protect Myself If an Adjuster Wants to Take My Recorded Statement?

Individuals who have been injured in an automotive accident cases may choose to consult with personal injury lawyer. If you are seriously injured in an accident you should consult an attorney. An attorney can also help you if your own insurance company denies payment of your PIP or Med Pay benefits. Here at Lawrence & Associates we can handle the process of communicating with insurance companies so that you will not make a mistake that will negatively impact your case. We will handle the proper negotiations with the insurance company in order to pursue just compensation. If there’s even a small chance you could have significant injuries or damages, or the question of who caused the accident is in dispute, it’s probably smart to not speak with the other driver’s insurance company without legal representation.

Call our attorneys today for a free, confidential consultation if you need help. We’re Working Hard for the Working Class, and we want to help you!


Have You Been in a Car Accident?

Posted on Wednesday, August 8th, 2018 at 8:31 am    

The following post is part of our Law Student Blog Writing Project, and is authored by Jennifer Tressler, who is pursuing her Juris Doctorate at The Ohio State University Moritz College of Law.

Learn How Damages Are Calculated in Cincinnati and Northern Kentucky Car and Truck Wreck Claims

Imagine for a moment that you are Maria. Maria was driving through an intersection when her car was struck by another vehicle. Maria suffered several severe injuries that required a significant amount of medical treatment. However, Maria’s insurance company would only cover a portion of her medical treatment costs.

Maria was at a loss for what to do, when someone told her to talk to a reputable personal injury law firm that might be able to help her. She was hesitant, thinking that filing a law suit might make create additional problems for her during what was already a very stressful and expensive time, but by choosing Lawrence & Associates, she realized she would not have to pay up front for her personal injury case! Her Lawrence & Associates personal injury attorney explained to her that her personal injury case would operate on a contingency fee, meaning that she would not have to pay any attorney’s fees or case expenses unless she won her case. Although Maria still had plenty of questions, her personal injury attorney was happy to answer them. The most important question for her, and maybe for you if you find yourself in a similar situation, was how much money she could expect to receive and when she would receive it.

How does a Greater Cincinnati area lawyer calculate or estimate how much money I get from my personal injury claim?

accountingThe first thing for you and your personal injury attorney to consider (because you are a large part of the settlement process!) is what a reasonable sum of money for you to give up your legal claim looks like. This varies from person to person, from situation to situation, depending on circumstances. Most insurance companies use mathematical formulas to calculate the amount of money they are willing to let go in the settlement, and your personal injury attorney will look at this formulaic process on the other side during the negotiations process. This is true regardless of what type of personal injury case you are bringing forward. This formula does not actually determine how much compensation someone receives, however. It is more of a tool that insurance adjusters use to begin the process of determining how much a claim is worth. Other factors must be considered before a final determination about compensation is made.

Once the settlement formula is applied, the insurance company will look at other legal and practical issues that affect your case. Some of these issues could include whether there is any shared fault for the accident, how organized and calm your demeanor is in relation to the claims and settlement process, whether the other side is credible or sympathetic, and any witnesses that may bolster your case. Because there are so many factors that go into how much your case will settle for, it is dangerous for attorneys to promise a high dollar settlement amount to their clients. Attorneys are held to very stringent ethical standards, especially regarding the handling of money and the representation of clients. Do not be afraid to check out your potential attorney on the state bar association’s website where the attorney is located to see if there are any ethical complaints or malpractice suits filed against them.

What is the damages formula and how does it work?

It is important to have a damages formula because, while it is usually fairly simple to add up money spent and money lost, there is not a precise way to put a dollar amount onto pain and suffering and missed or lost opportunities. The latter is what the damages formula calculates. The person found liable for an accident must pay the victim for medical care and its related expenses, missed work and other lost income, pain and other physical suffering, permanent physical disability or disfigurement, loss of family, social, and educational experiences, and emotional damages resulting from any of these losses.

To begin the original offer, an insurance adjuster will add up the total medical expenses relating to the injury, which are referred to as “medical special damages” or “specials.” To figure out how much to pay for emotional damages, permanent disability, and pain and suffering, which together are referred to as “general damages,” the insurance adjuster typically multiplies the amount of special damages times one-and-a-half to three times for relatively minor injuries and up to five times for especially painful, serious, or long-lasting injuries. Any lost income is then added to this number. This is usually the number where settlement negotiations with your personal injury attorney begin.

Two important things to remember about the damages formula are that, first of all, the figure arrived at is only the starting point for negotiations toward a final settlement amount. Other important factors about your accident and your injuries come into play as well. Secondly, because the starting formula can have a multiplier anywhere from one-and-a-half to five, or possibly even higher, considerably different numbers can be produced depending on where your case falls on the multiplier scale. Factors that influence where your case falls on the multiplier scale can include how painful your injury is, how invasive and long-lasting your medical treatment was, how obvious your medical evidence is, how long your recovery period is, and how serious and visible the permanent effects of your injury are.

Sometimes, your target settlement needs to be adjusted for your own fault. Kentucky is a pure comparative negligence state, meaning that the dollar amount of your award is reduced by your percentage of fault with no limits. Ohio is a modified comparative negligence state, meaning that your award is reduced by your percentage of your fault, and if your own fault is greater than fifty percent, you cannot win any damages, so the settlement value of your case is much less than your actual damages.

The last factor an insurance company looks at is whether you have retained a competent attorney. Injured people who have not retained counsel are often looked at as “not serious” about pushing the value of their claim, or unable to successfully push the value of their claim once litigation becomes necessary. This theory often bears true, because unrepresented injury car accident victims don’t know how to file and pursue a lawsuit in court. This means those unrepresented people are stuck with whatever the insurance company decides the value of the case ought to be, not what the injured person or a jury of his or her peers decides the value of the case ought to be. This is the reason that getting counsel as early as possible is important.

If you are overwhelmed by your personal injury accident, contact Lawrence & Associates today. We can help you navigate through settling with your insurance company to get you the award you deserve! Call today for a free consultation at (859)371.5997. We’re Working Hard for the Working Class, and we want to help you!


Underinsured and Uninsured Motorist Coverage and Why It is Important

Posted on Thursday, August 2nd, 2018 at 1:41 pm    

The following post is part of our Law Student Blog Writing Project, and is authored by Madelyn Stampley, a law clerk at Lawrence and Associates, who is pursuing her Juris Doctorate at NKU Chase College of Law.

UIM and UM Coverage: An Introduction

crashSadly, in today’s economy, a lot of Kentucky and Ohio residents are only able to afford car insurance with minimum coverage, or worse they are unable to afford car insurance at all. When one of these underinsured or uninsured drivers are at-fault for a motor vehicle accident that caused you injuries, underinsured (UIM) and uninsured (UM) motorist coverage allows you to fully recover. Securing an attorney for your UM or UIM claim is crucial to just compensation for your harm and damages.

Can I Still Get Compensation from a Motor Vehicle Accident if the Other Party in the Accident Does Not Have Insurance?

Both Kentucky and Ohio law allow you to get compensation from a motor vehicle accident if the other party in the accident does not have insurance. Uninsured motorist coverage provides protection when you are in a motor vehicle accident and the responsible party does not have auto insurance and this cannot cover repairing your car or covering your medical bills and lost wages. UM is important because it is the only way to know your damages are covered in an accident with an uninsured motorist. An uninsured motorist is more likely than not uninsured due to not having the funds to afford auto insurance. If they do not have the funds to afford insurance, they most likely do not have enough money to cover expensive medical bills, lost wages, and your automobile repairs.

Why Is It Okay to File an Uninsured Motorist Claim?

An uninsured motorist claim can help ensure your medical expenses (medical bills, lost wages, and pain and suffering) are paid for when you are in a motor vehicle accident with an at fault driver that does not have auto insurance. It is not only okay, but it is recommended to have uninsured/underinsured coverage. In some states uninsured motorist coverage is mandatory, although in Ohio and Kentucky it is only optional. Uninsured motorist coverage also covers you if you are the victim of a hit-and-run accident.

What is Underinsured Motorist Coverage and How Can It Protect Me?

Underinsured Motorist Coverage, or UIM, provides you protection when you are in a motor vehicle accident and the at-fault driver does not have enough auto insurance coverage to fully cover repairing your cap or covering your medical bills, pain and suffering, and lost wages.

For example, let’s say you are a Kentucky resident in a motor vehicle accident that accrues $200,000 worth of damages. The at-fault driver has insurance, but it only covers $100,000 of the damages. In this case you can make an underinsured motorist claim against your own insurance policy. If you had $150,000 in underinsured driver coverage, you would settle with the negligent driver for $100,000, and would settle with your insurer for an additional $100,000. Your auto insurance policy is required to cover all the damages you have that exceed the amount covered by the at-fault driver’s policy, up to the limit of the UIM coverage reflected on your auto insurance declarations page.

In contrast, in Ohio your available UIM coverage is based on the difference your UIM limits and the underinsured driver’s liability limits. For example, if the underinsured at-fault driver has $25,000 in liability limits, and you have $100,000 in UIM limits, you would be able to collect up to $75,000 from your own UIM policy ($100,000 – $25,000 = $75,000). This is because Ohio law allows a UIM policy to be offset by the at-fault driver’s liability coverage, instead of requiring that UIM coverage stacks on top of the liability coverage as it does in Kentucky.

How Do I File an Uninsured or Underinsured Motorist Claim?

If you are in a motor vehicle accident, it is important to start taking the proper steps immediately to make sure your claim goes your way. Generally, you will know if the at-fault driver is uninsured once the police are called to the scene after the accident. On the other hand, knowing if the at-fault driver is underinsured tends to be more difficult and time-consuming. It can take a while, sometimes several months, to determine the amount of money needed to cover the damages due to the motor vehicle accident. Once this amount is calculated, the at-fault driver’s insurance will cover as much as their policy allows. After the insurance limits are reached, you should contact your insurance company or attorney to file an underinsured motorist claim.

The key to filing either of these claims is acting swiftly to make sure claim runs smoothly due to a lot of car insurance policies having limits on how many days you have to report the claim. Once you have filed your claim, there will be pretrial investigation, disclosure of medical records, and settlement discussions. Generally, the insurance company and your attorney will discuss and negotiate the best possible settlement for you.

The Importance of Securing an Attorney for your UM/UIM Claim

Due to financial struggles, a lot of Kentucky and Ohio residents decide to purchase auto insurance policies with minimum coverage. A shocking amount of people also decide to forego auto insurance completely. To ensure your insurance covers your medical bills, lost wages, pain and suffering, and vehicle damages during a motor vehicle accident with an uninsured or underinsured driver, it is important to have UM or UIM coverage. If you find yourself post-car accident unsure how to make sure all your damages are covered, securing an attorney is the best way to proceed. Having an attorney during this process will ensure that you will have the best possible result and have your damages covered. If you decide to not obtain uninsured or underinsured motorist coverage, you are driving at the mercy of everyone on the road who does not have insurance or is underinsured. While it may be more expensive, you should view it as a stress taken off your shoulder knowing that you have enough insurance coverage to cover medical bills, lost wages, pain and suffering, and car repairs.

If you have been in a Car Accident in any state, or if you have any other questions about Underinsured or Uninsured Motorist coverage, please call our Fort Mitchell, Kentucky office at 859-371-5997 or our West Chester, Ohio office at 513-351-5997. We successfully resolve hundreds of cases every year for people who are in your shoes. We’re Working Hard for the Working Class, and we want to help you!


How Age, Education, and Residual Functional Capacity Help Cincinnati Residents Get Social Security Disability

Posted on Thursday, July 19th, 2018 at 4:43 pm    

The following post is part of our Law Student Blog Writing Project, and is authored by Dayna Wilson, a law clerk at Lawrence and Associates, who is pursuing her Juris Doctorate at Chase College of Law.

This blog is designed to provide you with an easy understanding on how three important factors – age, education, and residual functional capacity – all work together to determine the amount of Social Security Disability you may receive.

How is Residual Functional Capacity Determined?

There are many factors to be considered when determining if you can collect Social Security benefits. One important factor is called residual functional capacity (RFC). When determining your ability to work, Social Security evaluates your residual functional capacity. Social Security will assess the types of activities and tasks an applicant can still perform on a regular and continued basis. A Social Security disability claim will only be approved if it is established that you cannot perform any work.

The Code of Federal Regulations, defines residual functional capacity as what an individual can do despite limitations. Residual functional capacity will take into account all limitations and medical conditions. In other words, Social Security will evaluate how much you can do and how long it will take to perform the function. A Social Security claim examiner will assess all impairments, including serious and minor impairments when evaluating residual functional capacity. Manipulative or postural activities are assessed such as reaching, handling, and lifting. Environmental conditions are considered such as the ability to tolerate high and low temperatures or wet and dry conditions. The RFC also encompasses mental conditions such as the ability to maintain concentration and attention for extended periods of time. Also, how well you can understand and remember duties throughout the day are considered. When these important factors are not clearly explained in your medical records, Social Security often finds you can perform these functions. It is important your doctor assess your ability to twist, bend, reach, grasp, kneel, and climb. Social Security also takes into account nonexertional factors such ability to follow directions; perform work at a normal rate and persistence throughout the day; and one’s overall reliability.

What happens if one retains Residual Functional Capacity?

If residual functional capacity is obtained to perform any common work in the national economy, an individual will not be found to be disabled. If Social Security examiners determine you can perform light, semi-skilled work, examiners will compare your residual functional capacity with those in the Dictionary of Occupational Titles and will match you with any jobs listed in that publication which call for light, semi-skilled work.

What is the importance of Residual Functional Capacity?

A complete understanding of all the factors that go into residual functional capacity determination is important for you to have a successful Social Security disability claim. In the Cincinnati Social Security office, medical records are an essential component in the determination of residual functional capacity. Often times, many of the factors such as bending, twisting, and kneeling are irrelevant to a doctor’s actual treatment of a medical condition. However, they are important for a Social Security Administration (SSA) examiner in determining benefits because SSA focuses on your functional ability not just your medical history.

How Does Social Security Determine your Social Security Benefits Eligibility?

Social Security uses your “Full Retirement Age” to determine the amount of monthly income you will receive. Full retirement age is based on your year and day of birth. Full Retirement Age determines when you are able to receive your full benefit amount. If you have started claiming benefits before your full retirement age, you become eligible for delayed retirement credits.

What is the difference Between Retirement Age and Stop Work Age?

Retirement age and stop work age must be distinguished in order to get a better understanding of how age can affect Social Security benefits. According to the Social Security Administration, your retirement age is the age at which you begin receiving Social Security retirement benefits. Stop Age is the age at which you leave the labor force and no longer work. This age affects the amount of Social Security benefits you may collect. Retirement benefits are based on your highest 35 years of earnings and your age when you start receiving benefits.

What Happens if you Stop Work Before your Retirement Age?

Social Security Administration will use a zero for each year without earnings, then they complete their calculations to determine the amount of retirement benefits you are due. If you stop working between the age of 62 and full retirement age, you may receive reduced benefits. The earliest you can start receiving retirement benefits is age 62. If you retire when you reach full retirement age, you will receive retirement benefits. In the Greater Cincinnati area, many individuals often work past full retirement age. Here, you are presented with two options: you can work and get full retirement benefits no matter how much you earn; the second option is to delay getting retirement benefits and earn credits that increase your benefit amount.

Are there any consequences of claiming Social Security Early?

There are consequences for receiving Social Security benefits early. If you are married you are reducing the survivor benefit available to your spouse. This will occur if your benefit amount is greater than theirs. Next, if you claim Social Security Benefits before your full retirement age and continue employment and make too much, then benefits will be reduced. It is important to note; investment income does not count toward the annual earnings limit. The only income that counts is income earned by working.

How does Education Affect Social Security Disability?

When applying for Social Security Disability, the Social Security Administration will ask what is the highest level of education you have completed. This information is used to assist with determining what kind of work you are capable of performing given your age and impairments. Education level can be measured to determine one’s ability to adapt to skilled work. The presence of additional education does not necessarily mean you can perform skilled work. A judge may determine the education you have received is outdated that it doesn’t affect your ability to perform present work. If you are over the age of 50, it is important to have your education evaluated. The rules assume that older individuals who cannot perform their past work because of physical and/or mental limitations will have the hardest time adapting to new work given their again. Therefore, it is generally easier for older individuals to be approved.

Age, education, and residual functional capacity all work together to determine the amount of benefits you will receive. It is essential for you to know how these are assessed and we want to make it easier for you to receive benefits. At Lawrence & Associates, we want to help you recover the benefits you have worked hard for. We’re Working Hard for the Working Class; call us today for a free, confidential consultation!


SSDI: What Can Cincinnati and Northern Kentucky Residents Do to Help Their Social Security Disability Cases?

Posted on Tuesday, July 10th, 2018 at 10:51 am    

The following post is part of our Law Student Blog Writing Project, and is authored by Madelyn Stampley, a law clerk at Lawrence and Associates, who is pursuing her Juris Doctorate at NKU Chase College of Law.

In order to receive social security disability, you must go through a five-step sequential evaluation process by the Cincinnati branch of the Social Security Administration. During the fifth and final step of the sequential evaluation, the Social Security Administration must prove that work exists for you in the national economy that you will be able to adjust to considering your impairment(s), age, education, and past work experience. If they cannot prove that work exists for you, then you are found disabled. To have a ruling in your favor, there are a few simple things you can do to help. Attending all of your medical appointments and keeping a log of all of those appointments is very helpful. Making sure to also track your symptoms, your medications, and the side-effects of your medications. Lastly, making sure your doctor is writing detailed medical reports and stating his medical opinion about your impairments and how they limit your abilities in your work life can be extremely helpful to lead to getting disability.

Firstly, making sure that you attend all of your medical appointments is very important to your claim. In Northern Kentucky and Cincinnati, the Social Security Administration uses your medical records to determine if you are disabled or not. If you fail to attend your medical appointments that also means you are failing to obtain medical records, which means the Social Security Administration will have nothing to base their determination off of for your disability. The more medical records you have the more proof you have to show that you are severely and permanently impaired and ultimately unable to work.

Secondly, along with attending your medical appointments, keeping a log of all your appointments helps your case as well. Write down when and where you were treated, who you treated with, and what impairment you were treated for. It makes it easier for your attorney to obtain the proper medical records and have a record of every time you went to the doctor. Along with keeping a log of your appointments, also make sure to track your symptoms. Keeping a daily log of your impairments and how they affect you gives your attorney more information that they can use to win the case. Along with this, also track your medications with their corresponding side effects. Keeping a log of everything speeds along the social security process and helps everything run more smoothly.

When you go to your medical appointments it is also important to ask your doctor to write detailed and clear medical reports. Generally, when doctors write their medical records, they are writing them for themselves. They often times neglect being too detailed and instead write quick and concise notes. Ask your doctor for a medical report that includes a detailed narrative that explains all of your impairments and functional limitations. The Social Security Administration reads through all of your records and a detailed narrative is very helpful to you case.

You should also ask your doctor to include his medical opinion in your medical reports. Have your doctor state whether or not they believe that you are so severely and permanently disabled that you should not and cannot return to work. While the Social Security Administration will not take your doctor’s opinion as their answer, having your doctor’s opinion in your medical records can help prove that you are disabled. It never hurts to have more than one opinion attesting to your disability.

Along with asking your doctor for a more detailed medical report, also ask them to complete a Residual Functional Capacity (RFC) report as early in the process as you can. A Residual Functional Capacity report is an accounting of your capacity for full-time work. It allows your doctor to check off boxes allocating your limitations, like how much you can lift, how far you can walk, and whether you can bend or stoop. It is a great way for the Social Security Administration to get the information they need to make a determination of your disability.

Another thing you can do to help your case is making sure you are seeing the appropriate doctors for your impairments. While it is convenient to see the same doctor for everything, it is important to make sure you are receiving care from doctors that specialize in the area in which you need treatment for. For instance, instead of seeing your primary care physician for your mental health impairments, you should see a doctor who specializes in mental health, like a psychiatrist. This will ensure that you are getting the best possible medical records and opinions from someone who specializes in the disability that you have.

Lastly, strong communication and cooperation with your attorney is very important. It is crucial that you come to all of your meetings with your attorney and are easy to get a hold of. Making sure to fill out the forms we give you correctly and in a timely manner helps the social security process move along quickly. If you have questions about the process or are confused about something asked on one of your forms you have to fill out, it is best to contact your attorney instead of guessing.

The fifth step of the sequential evaluation by the Social Security Administration is the final step in determining if you are considered disabled or not. If they cannot prove that work exists for you, then you are found disabled. There are several ways you can help bring about the result you want in this fifth step along with your case as a whole. Make sure to attend all of your medical appointments so that the Social Security Administration has medical records to base their ruling off of. Obtaining good medical records and opinions by the appropriate doctors as well as having your doctor fill out a Residual Functional Capacity report goes a long way. Keeping a detailed log of your symptoms, your medication and its side effects, and a list of all of your medical appointment dates and your provider is also very helpful.

If you believe you have a Social Security Disability claim, don’t go it alone. Lawrence & Associates has helped many Cincinnati and Northern Kentucky residents just like you get disability benefits. We’re Working Hard for the Working Class, and we want to help you! Call today for a free, confidential consultation.


How Many Work Credits Do I Need to Get Social Security Disability in Ohio and Kentucky?

Posted on Monday, July 2nd, 2018 at 11:27 am    

The following post is part of our Law Student Blog Writing Project, and is authored by Dayna Wilson, a law clerk at Lawrence and Associates, who is pursuing her Juris Doctorate at Chase College of Law.

Today, many people are unfamiliar with work credits requirements. Further, some people have not even heard of the term. This blog is designed to make you to have a simple understanding of social security work credits and the importance of them. Here at Lawrence & Associates, we encourage you to call us for a free consultation! We are qualified representatives who can help determine whether you qualify for Social Security Disability.

What are Social Security Work Credits?

Let’s jump into Social Security benefits and what you should know about them. The Social Security Administration refers to these work credits as the “building blocks” which Social Security uses to determine whether you have worked long enough to qualify for benefits. Work credits are earned throughout your employment history.

You qualify for Social Security benefits by earning Social Security credits when you work in a job and pay Social Security taxes. Credits are based on your income during the year, no matter when you did the actual work. When an individual works they can earn up to 4 credits in a year. It is important to keep in mind that it does not matter if you earn $5,000 or $500,000 in a given year, you can only earn up to four credits in a given year. Currently, a worker must earn $1,320 to earn one work credit. This figure gets adjusted based on inflation every year. Your average earnings during your working years determine how much your monthly payment will be.

How Many Credits Do You Need to Be Eligible in the Cincinnati area?

The number of work credits needed for disability benefits depends on your age when you become disabled. In general, you need 40 credits, with 20 earned in the last 10 years ending with the year you become disabled. However, younger workers can qualify with fewer credits. For example, if you are 24 or younger, you may qualify if you have six credits earned in the three-year period ending when your disability starts. If you are between the age of 24 to 31, you may qualify if you have credit for working half the time between age 21 and the time you become disabled. For example, if you become disabled at age 27, you would need credit for 3 years of work (12 credits) out of the past 6 years (between ages 21 and 27). For individuals 31 through 42, the number of credits needed for disability benefits is 20.

In this video, Social Security Attorney Danielle Lawrence, explains to be considered for Social Security Disability at the age of 46, you will need 24 work credits in the last 10 years. On the other hand, if an individual is 58, 36 work credits are needed in the last 10 years in order to qualify. Social Security will use those work credits from the 10 years prior to disability to determine whether an individual may receive Social Security disability benefits.

A common misconception among many people is that Social Security Disability is the same as Social Security Retirement. People may think if they are working hard and paying into their retirement, then they can easily qualify for Social Security benefits. However, it is important to know that is not the case.

Special Rules for Some Jobs

Are you an individual who is self-employed? If so, then you earn Social Security credits the same way employees do (one credit for each $1,320 in net earnings, and no more than four credits per year). There are special rules that apply if you earn less than $400. It is important to note, if you are in the military then you also earn credits the same way civilian employees do. Additional earnings may also be considered based on certain conditions.

How You Can Ensure Accurate Work Credits

Each year, your employer sends a copy of your W-2 (Wage and Tax Statement) to Social Security. Social Security Administration compares your name and Social Security number on the W-2 with their records. Your earnings shown on the W-2 are recorded on your lifelong earnings record. Your lifelong earnings record is what Social Security uses to determine your future benefits and the benefits amount.

Your name and Social Security number on your Social Security card must agree with the information on your employer’s payroll records and W-2. It is important to protect your benefits by ensuring that your employer has the correct social security number and name.

Why Are Work Credits Important to Social Security Disability Determinations in the Cincinnati Area?

According to the Social Security Administration, in 2017, about 173 million people worked and paid Social Security taxes about 62 million people received monthly Social Security benefits. Social Security reaches almost every family, and at some point, impacts the lives of nearly all Americans.

Social Security Attorney Kelsey Westermeyer explains the importance of work credits. She states, “If you do not have enough credits, you cannot get disability.” If you do not have enough credits, then Social Security Administration does not have to pay you monthly checks. A statement from your doctor saying you are disabled is not enough to qualify for Social Security disability benefits.

In sum, The Social Security Administration uses work credits to determine whether an individual qualifies for Social Security Disability benefits. An individual may earn a maximum of four work credits a year. Today, a worker must earn $1,320 to earn one work credit. As an individual gets older the more work credits are needed to qualify for benefits.

If you are unsure about the amount of credits you have earned then it is important to contact a qualified representative. Here at Lawrence & Associates, we are strong advocates for your rights in the Social Security system. We recognize your hard work and efforts and we are here to help you recover your benefits you have worked so hard for.

We offer a free, confidential consultation in order to determine whether you qualify for Social Security Disability. Call today! We’re Working Hard for the Working Class, and we want to help you.


How Can a Local, Cincinnati Attorney Help Get Social Security Disability Approved?

Posted on Thursday, June 28th, 2018 at 11:53 am    

The following post is part of our Law Student Blog Writing Project, and is authored by Jennifer Tressler, who is pursuing her Juris Doctorate at The Ohio State University Moritz College of Law.

Social security disability attorneys can help make an overwhelming process seem much more manageable. While hiring a lawyer specializing in social security disability cases is not required, it will likely be extremely beneficial during a difficult time when your health is suffering. Social security disability attorneys have experience dealing with the Social Security Administration (SSA) and, as such, will be able to handle any of the various issues that could arise during the application process. You can expect your social security disability benefits attorney to review your case with you and ask you a variety of questions, both to gather information on your case and to prepare you for questions you may be asked should a hearing be necessary in the future. Your social security disability attorney will function as the liaison and communicator between you and the SSA. This is just one of the duties that you can expect your social security disability attorney to carry out on your behalf. But it is an important one, as the language and application process of social security disability is complex and often foreign to the average person. At Lawrence & Associates, Kelsey Westermeyer  handles the vast majority of social security claims and consistently achieves high approval ratings.

How Can My Attorney Help Get Approval for SSDI Through the Cincinnati, Ohio or Florence, Kentucky Social Security Offices?

Another one of the duties of your social security disability attorney is to complete an initial review of your case. This will happen no matter at which stage of the application process you are. After this initial review, your social security disability attorney will determine the best strategy for you moving forward. He or she will assist you in crafting a compelling story around your case and develop some strategies for how your case will be won.

One of the most common (and significant!) mistakes made by individuals applying for social security disability benefits is filing with an incomplete claim. The majority of applicants for social security disability benefits are denied during the initial stages, mostly due to incomplete applications. Having your social security disability attorney review your application and ensure its completeness is one of the best ways to ensure your application will go undo review in the proper channels.

Your social security disability attorney will collect and sort medical evidence on your behalf. Many social security disability cases are won and lost on medical evidence. After obtaining proper medical release forms, your social security disability attorney will help you gather the relevant medical evidence needed for your application. He or she will review your medical records and work alongside you to collect any missing medical information or tests. Most importantly, he or she will sort through the hundreds of pages of medical documents to determine which information is the most important. Many social security disability attorneys will work directly with your medical provider, physician, or other healthcare provider to gather supportive opinion statements and letters. Having this evidence strengthens your case and makes it more likely that you will be granted social security disability benefits. Additionally, if your social security disability attorney determines that additional testing is necessary to bolster your application, he or she can request a consultative examination from the Social Security Administration doctors or ask that you get the additional testing completed on your own.

Your social security disability attorney is responsible for staying in communication with the Social Security Administration. The Social Security office is enormous and has an immense volume of claims pass through it. The application process of social security disability benefits is complex, filled with multiple deadlines and various formalities that must be adhered to. Your social security disability attorney will communicate directly with the SSA on your behalf, so that you have less to worry about regarding your application and more time to work on your health. Having a middleman communicate with the SSA on your behalf protects your best interests during this already stressful time. Your social security disability attorney will work to push your social security disability benefits application through the system with minimum effort and work from you.

How Can My Attorney Help Represent Me in Front of a Social Security Administrative Law Judge at a Hearing?

If needed, your social security disability attorney will file the necessary appeals for you. According to the Social Security Administration, less than forty percent of social security disability applications are approved at the initial application level. If your case is one that receives an initial denial, you are entitled to appeal the decision. The appeals process contains several specific and distinct steps that much each be completed within a certain amount of time. Hiring and retaining a social security disability attorney can help you navigate the appeals process, should your initial application be denied. To that end, your social security disability attorney will represent you at disability hearings, if necessary. The majority of successful disability claims are won at the hearing level. If you are originally denied disability benefits and you and your attorney appeal the decision, you are offered a hearing in front of an administrative law judge.

The hearing process is stressful, and having adequate preparation is critical to your success. Having a social security disability attorney will ensure that you are adequately prepared for your hearing. Though you will still need to speak for yourself, your social security disability attorney will represent you during the process and prepare you to testify. Your social security disability attorney will ask questions of your witnesses and address any expert witnesses, such as medical or vocational experts. If you have already been granted social security disability benefits but feel that you are not receiving adequate compensation, your social security disability attorney can help you request additional financial aid in the form of SSI benefits.

Your chances of success when applying for social security disability benefits dramatically improve if you are working with a social security disability attorney. Even if you are struggling financially due to your illness, hiring and working with a social security disability benefits attorney is well worth your time, energy, and money when you consider that without their help, winning your case can be exponentially more difficult. If you are overwhelmed by the social security disability benefits application process and would like some assistance from qualified, experienced individuals, contact Lawrence & Associates today. We can help you obtain that fresh start that you deserve! Call today for a free consultation at (859) 371.5997. We’re Working Hard for the Working Class, and we want to help you!


Social Security Disability: Five FAQs and Facts

Posted on Tuesday, June 19th, 2018 at 2:59 pm    

Enduring the process of applying for Social Security Benefits can be extremely stressful to any person. Fortunately, we are here to help ease your mind and speed up the process. In this blog, we are going to cover five frequently asked questions and other facts about Social Security Disability Income.

ONE: What Conditions Qualify for Disability Benefits?

One of the most common questions we hear when talking to social security disability candidates is this: “What disabilities qualify for benefits?” One way that the Social Security Administration answers that question is by using a Listing of Impairments (Part A) also known as the “Blue Book.” The Blue Book has several categories and is then broken down to sub categories.

The main categories for adults are listed below:

  • Musculoskeletal System
  • Special Senses and Speech
  • Respiratory Disorders
  • Cardiovascular System
  • Digestive System
  • Genitourinary Disorders
  • Hematological Disorders
  • Skin Disorders
  • Endocrine Disorders
  • Congenital Disorders that Affect Multiple Body Systems
  • Neurological Disorders
  • Mental Disorders
  • Cancer (Malignant Neoplastic Diseases)
  • Immune System Disorders

The Blue Book also has a Listing of Impairments for Children (Part B). The children’s Listing of Impairments is broken down into main categories and sub categories as well.

The main categories for children are listed below:

  • Low Birth Weight and Failure to Thrive
  • Musculoskeletal System
  • Special Senses and Speech
  • Respiratory Disorders
  • Cardiovascular System
  • Digestive System
  • Genitourinary Disorders
  • Hematological Disorders
  • Skin Disorders
  • Endocrine Disorders
  • Congenital Disorders that Affect Multiple Body Systems
  • Neurological Disorders
  • Mental Disorders
  • Cancer (Malignant Neoplastic Diseases)
  • Immune System Disorders

The Social Security Administration describes the Listing of Impairments as: “Impairments considered severe enough to prevent an individual from doing any gainful activity (or in the case of children under age 18 applying for SSI, severe enough to cause marked and severe functional limitations).”


TWO: My Disability is listed in the Blue Book. Do I Still Need an Attorney?

You may have a disability that is displayed on the Listing of Impairments, but may not be seen as “severe enough” by the SSA to fulfill eligibility requirements. Your disability must then be proved “severe enough” to qualify.

Even if your disability is listed, your benefits are not automatic. By hiring an experienced Social Security Attorney, you are letting go of the reins and letting a professional take over. So many people have had applications denied because of mistakes on their applications. Don’t let this happen to you.


THREE: My Doctor Says I am Disabled. Why do I Keep Getting Denied by the SSA?

The SSA may have denied you for medical reasons. In order to prove you have an impairment that is found in the Blue Book, you will need to obtain proper medical evidence that supports what you have claimed to be disabled for. Your attorney can obtain this medical evidence by requesting medical records, reports and more from your doctor(s).


FOUR: What is the Importance of My Attorney Getting Medical Records for My Case?

Claims for Disability benefits are approved or denied based on medical evidence. Medical records establish the severity of your impairment and helps the SSA understand your disability.

According to The Code of Federal Regulations, medical evidence that can be used or submitted with your claim include:

    • Objective Medical Evidence
      • Medical Signs
      • Laboratory Findings
    • Medical Opinion
      • This can be a report from your doctor stating things that you CAN do, despite your impairment.
    • Other Medical Evidence
      • Medical History
      • Clinical Findings
      • Diagnosis and more

If your application lacks these key evidence types, your claim could be denied. An attorney can request these medical records for your claim and help your claim get approved.


FIVE: Can I Work While Getting Disability Benefits?

SSDI recipients generally can’t do Substantial Gainful Activity (SGA) while receiving full benefits. The SSA describes SGA as “A term used to describe a level of work activity and earnings. Work is “substantial” if it involves doing significant physical or mental activities or a combination of both.” They describe “Gainful” Work activity as “Work performed for pay or profit, work of a nature generally performed for pay or profit, or work intended for profit, whether or not a profit is realized.” Your eligibility for SSDI benefits depends on whether or not you are able to do SGA.

SGA has two parts. Hours worked and income earned. If you work more than 20 hours per week that is SGA and will cause you to be ineligible to received benefits. According to the SSA the income portion of SGA for 2018 “for statutorily blind individuals for 2018 is $1970. For non-blind individuals, the monthly SGA amount for 2018 is $1180. SGA for the blind does not apply to Supplemental Security Income (SSI) benefits, while SGA for the non-blind disabled applies to Social Security and SSI benefits.” In other words, if you are a non-blind individual, you can make up to $1,180 per month while receiving benefits and for blind individuals, you can receive up to $1,970 per month while receiving benefits. According to the history of SGA amounts, they have slightly increased almost every year since 1975. This is because the amounts change based on the National Average Wage Index.

If you are concerned about your application to the Social Security Administration for SSI or SSDI, call Lawrence & Associates to talk to one of our trained intake specialists about setting up a completely free consultation to talk to one of our Social Security Attorneys. Lawrence & Associates will be with you every step of the way and will help you fight for your benefits. We practice Social Security in the states of Ohio and Kentucky.

Call us today to find out how we can help you now!

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