Social Security And Long Term Disability
        Persons who have enough work credits in the United States  
        and become disabled can qualify for Social Security Disability. If you do not have enough 
        work credits but meet the economic criteria, you may qualify for SSI benefits. There are complex 
        rules for determining if you meet the federal government's  finding of disabled. Retaining a qualified attorney greatly 
        increases your chance of success by preparing you and your case for the hearing.
        Accidental Death and Disability (AD&D) insurance claims often are denied whether purchased 
        individually or provided through your employer.  Employer provided policies  are usually governed by 
            federal Law (ERISA) 
        and have special rules that your attorney must be familiar with.  Insurance companies frequently deny these claims.  
        It is very important to have an attorney involved early in the process to compile your medical proofs and strongly argue 
        on your behalf.