Three Reasons You May Be Denied Disability

When you apply to the Social Security office for disability, you may be denied your claim. In fact, it is so common that it can be considered routine. There are many reasons that your claim can be denied. Some of the reasons may mean that you do not qualify for disability payments, while in other circumstances, it may mean that you made one or more mistakes when you filed. The following are three reasons your claim may be denied.

Your disability does not qualify for benefits
There are two ways that your disability can cause your claim to be denied. One is that the disability is not considered serious enough to prevent you from working, and the other is that your disability, although serious, is not considered to be permanent. Temporary injuries are usually covered by workers’ compensation and not disability insurance, so if you will be back to work within a certain time frame, your claim may be denied. The nature of your disability, even if it is permanent, may be deemed insufficient to prevent you from working. There are many examples of a disability that can fall into this category. One example is diabetes. Although it is possible to collect disability with diabetes, your medical condition must meet certain standards.

You failed to engage in proper therapy
Depending upon your medical condition, there will likely be a prescribed course of therapy to address your problem. It is common for Social Security to deny benefits if you have not followed the proper path of therapy for your medical problems. Even if this therapy will not result in a cure for your condition, the rules for disability may require you to engage in a therapeutic program. Surgeries also fall into this category. If your condition may improve with a certain type of surgery, you will likely need to have the operation in order to obtain disability benefits.

You failed to document your condition
This is a common reason for denial of benefits. You must understand that the Social Security office cannot take your word for your medical condition. You will need the correct paperwork from your doctor that explains your condition. Along with a statement from your doctor, you will likely have to include test results and the medication you are taking.

If you decide to appeal, it is important that you use a disability lawyer with experience in Social Security decisions. This is no different than hiring any other type of professional service. One example of a law firm with experience that serves the Poplar Bluff area of Missouri is Parmele Law Firm, PC.

Balikbayan Box Travels Across The Ocean


Big package ready to ship.
Big package.  Balikbayan Box.

It’s been a month now and the big package you are seeing is still in transit.  The package is containing personal effects which include used and new clothing, bath essentials, and personal care stuff.  These things are for my family and some friends in the Philippines.  At least once a year, my husband and I send a package to them especially to my nieces and nephews.  We call it Balikbayan Box literally means “repatriate box”.  I can imagine happy faces when the kids get their gifts every time a Balikbayan Box from us arrives. These type of packages are shipped and carried by a cargo vessel.  So they go sailing by across the ocean for more than four weeks.

Below are the three cargo companies/agents I tried over the years.

Forex Cargo, Inc.

When my husband and I were living in Fort Worth, a Filipino friend recommended Forex Cargo, Inc. to me while we’re at a party.  I was very excited to ship my very first Balikbayan Box to my family in the Philippines.  What I liked about Forex is that, they pick up the packages at our house. After a month from shipping, my packages arrived at the port of Manila.  My family received them about a week after.  Depending on some good situations, Forex delivers the packages in about a month after the actual vessel loading.  But shipping rates had become a little pricey now.

PNB Remittance Center (Philippine National Bank)

So after trying Forex Cargo, Inc.’s service, we switched to PNB Remittance Center’s cargo shipping.  They were offering this service to their bank/remittance customers.  We had to take the packages to their office though.  The shipping rates were a quite affordable.  The transit duration is about two months.

LBC Express

Then last year, one of my friends told me to try LBC Express Cargo.  The shipping rates are cheaper plus the agent picks up the packages once they’re ready.  I went ahead and gave it a try last year.  The package I sent mid-October arrived December before Christmas.  The shipping rates are reasonable.  I paid $75 Large Box going to the Visayas, which is $20 cheaper than the other sea cargo service I tried.

I have a good experience with LBC Express so far.  Hopefully, the packages that are currently in transit will be delivered safe and sound by end of May.

Here’s How To Avoid Road Accidents


wreck on K Ave

To avoid accidents on the road, we should drive in our most careful manner.  Road accidents happen every hour every day and we do not want that to happen to us.  It just just don’t get it why some people get involved with a wreck on the road.  It doesn’t make sense to me at all.

The above photo was taken when me and my daughter was leaving the Asian Market yesterday. I heard a loud BAM! But I didn’t pay attention to look where that came from because I bumped into a friend in the parking lot.  Then I hear sirens.  Still I didn’t pay attention.  So then when we were pulling out of the parking lot, I saw a car on it’s side. Behind it is another car with the front bumper badly ruined.  That’s just ridiculous!  The speed limit on that road is 40 miles per hour.  How come there would be a wreck this bad?  Horrible.

My husband always tell me to be very careful driving.  Texting while driving IS NOT allowed.  I myself had an experience when I was replying to a text message and almost ran onto a curb.  That was scary.  Some people just don’t care.  They are very confident doing it even though they know it’s dangerous.  If we care about ourselves and the passengers inside our vehicles, we should exercise caution and pay attention on the road.

Whatever the reasons why that wreck happened, I hope there’s no life taken.  And I hope there will be no more.