If you are in your 60s and believe you are unable to continue working full time due to health problems, you may be considering filing for Social Security Retirement benefits. But, before you do so, it may be worthwhile to consider Social Security Disability as an alternative option that may save you thousands of dollars. Frequently, you an file a joint application that gives you the best of both worlds. If, after reading this post, you decide to file for disability, know that our Social Security Disability lawyers can help and offer free consultations.
Social Security Retirement Age
Historically, the full retirement age for Social Security Retirement was the age of 65. However, in recent years the full retirement age has begun to slowly increase over time. If you were born before 1954, your full retirement age is considered to be 66 years. If you were born between 1955 and 1959, the full retirement age gradually increases for each year. For those born in 1955 the age is 66 years and 2 months, for 1956 the age is 66 years and 4 months. Individual born in 1957 reach full retirement age at 66 years and 6 months, for 1958 full retirement age is reached at 66 years and 8 months, and for 1959 full retirement is achieved at 66 years and 10 months. Finally, for any individual born in 1967 or later, the full retirement age for Social Security is 67 years.
Social Security Early Retirement
If you have not yet reached full retirement age, but are considering collecting Social Security because of health problems that prevent you from working full time, there is the option to take early retirement. Unlike the full retirement age, the early retirement age has not increased gradually, instead it is still possible to take early retirement at age 62. By doing so, an individual receives a reduced amount of benefits instead of receiving their full amount of benefits. For individuals born after 1960, taking early retirement at age 62 will mean receiving 70 percent of the full benefit they would receive if they waited until reaching full retirement age. The Social Security retirement age calculator can help determine the exact amount of reduced benefits an individual may receive if they were born between 1955 and 1959.
Social Security Disability
However, while Social Security early retirement may be an option if you are unable to continue to work full time due to health problems, it may not be the best option. In fact, by taking early retirement benefits, you may people giving away thousands of dollars in Social Security benefits by taking the reduced rate. Instead of taking early retirement benefits, it may be worthwhile instead to consider applying for Social Security Disability. Individuals who receive Social Security Disability benefits receive the same amount as they would receive in full, unreduced retirement age benefits. And, once an individual reaches full retirement age, the Social Security Disability benefits automatically convert from disability benefits to retirement benefits.
Navigating Social Security benefits and deciding what the best option is for you can be a difficult and complicated process. Every case has its own circumstances and facts that may determine which option is right for you. Due to this, if you are considering early retirement due to health problems, you should contact an experienced Social Security disability attorney prior to making any decision. Our office will do everything in our power to aid you in the process of obtaining Social Security disability benefits. Contact one of our attorneys today for a free consultation.
At Bernard Stuczynski Barnett & Lager, ErieInjury.com, we strive to provide excellent representation to our clients. We provide this excellent representation by working hard, drawing from our experience, and believing in our cause. When we began working with our designers on our new Social Security Disability commercial, we sought to tap into the most fundamental part of the Social Security System: Patriotism and the uniquely American notion of “no man left behind.”
As Americans, our work defines us.
We’ve given our lives to our trades.
We pay into our system so those of us who get hurt won’t be left behind.
If you’re disabled, refusing to allow your disability to define you…
Is just as important as where you turn.
ErieInjury.com: Erie’s Social Security Disability Attorneys.
Attorney Matthew Lager named in Erie Reader’s 2018 “40 Under 40”!
We at Bernard Stuczynski Barnett & Lager are excited to announce that our own Matt Lager, our firm’s youngest partner, was named in Erie Reader’s 2018 “40 Under 40” list, which is a list of notable young people who have been making a difference in Erie, Pennsylvania. Every year, Erie Reader releases this list of individuals under 40 who are making a difference in our community, taking risks, starting businesses, innovating, and helping drive Erie’s resurgence.
This year, Erie Reader received a record-high number of nominations for individuals who are deserving of this recognition, so we are proud to announce that Matt has made the cut. Take a look at his Nomination in the June 20, 2018, issue of Erie Reader, available throughout Erie, or online on their website at ErieReader.com.
Matt’s legal practice focuses on Car Accidents, Workers’ Compensation, and Social Security Disability. He has previously received Pro Bono awards from The Pennsylvania Bar Association, the Erie County Bar Association, and Northwestern Legal Services for his dedication to pro bono work in Erie County.
After being injured, it’s important to stay local and hire an attorney that understands Erie County Pennsylvania. Despite how difficult of a task it may seem, finding a car accident law firm in Erie, PA doesn’t have to be hard! If you’ve done your research, you’ll notice that Bernard Stuczynski Barnett & Lager (also known as ErieInjury.com) consistently has five-star reviews across the board! We’re small enough that we’re able to give each of our clients extremely personalized attention, yet big enough that we spare no expense when it comes to handling your case. Need a top-dollar expert witness? We’ll pay for that. Need an expensive accident Reconstructionist to prove your case? We’ll front that expense, too. Is your case complex? Not a problem.
If you do your research and read our reviews, you’ll notice that our car accident law office is known for our personalized service: if you want to speak to your attorney, you’ll speak to your attorney—unlike some of the Pittsburgh firms that dabble in the Erie area, we do not simply have paralegals “work up” your case and act as your main points of contact! When you hire us, you’re hiring a personal injury lawyer to do 100% of your legal work. Excellent results require excellent representation.
Best Law Firm in Erie, PA
If you’re looking for the best law firm in Erie, PA, don’t take my word for it. Read our reviews and draw your own conclusions. If you speak to any of your prior clients, they’ll tell you to stop looking around and to give us a call.
What do I do next?
If you or a loved one has been hurt in a car accident, stop stressing about how to handle the bills and the insurance companies. We’ll take care of that so you can take care of yourself and your loved one. We make it simple. Worries about how you’ll have time to meet with us? We’ll come to you whenever it’s convenient, even if it’s after hours or on a weekend. We want to help. Call us at 814-452-6232 for a free consultation.
Attorney Matthew Lager Selected as 2018 Super Lawyers Rising Star
We at Bernard Stuczynski Barnett & Lager are proud to announce that our youngest partner, Matthew J. Lager, has been selected as a 2018 Super Lawyers Rising Star! Each year, no more than 2.5 percent of the lawyers in the state are selected by the research team at Super Lawyers to receive this honor.
Super Lawyers, a Thomson Reuters business, is a rating service of outstanding lawyers from more than 70 practice areas who have attained a high degree of peer recognition and professional achievement. The annual selections are made using a patented multiphase process that includes a statewide survey of lawyers, an independent research evaluation of candidates and peer reviews by practice area. The result is a credible, comprehensive and diverse listing of exceptional attorneys. The Super Lawyers lists are published nationwide in Super Lawyers Magazines and in leading city and regional magazines and newspapers across the country. Super Lawyers Magazines also feature editorial profiles of attorneys who embody excellence in the practice of law.
Schedule a Free Consultation with Attorney Lager
To schedule a free consultation with Attorney Matthew Lager, who represents individuals in personal injury cases, car accident cases, workers’ compensation cases, and Social Security Disability appeals, call our office at 814-452-6232!
According to PennDOT Secretary, Leslie Richards, 2017 was the safest year for traffic-accident deaths in recorded Pennsylvania history, when PennDOT began record-keeping in 1928. Although fatalities from car accidents are on the rise nationwide, Pennsylvania has managed to reverse this trend.
Safer. But not safe.
Unfortunately, even though the road is generally safer, the Secretary’s report indicates that fatalities related to distracted driving are on the rise in Pennsylvania, up to 69 from 66 in 2015 and 55 in 2014. Even more troubling, PennDOT fears that this number actually under-represents cases of distracted driving, as people often fail to report that they were texting while driving.
People that drive distracted, e.g. texting while driving, can needlessly end lives and ruin families. This tragedy is entirely preventable and simply requires that we, as a society, make a conscious effort to put the phone away when getting behind the wheel. While we have long rejected the societal acceptance that used to accompany drunk driving, we still have a long way to go before we all reject and condemn those that text behind the wheel. If you have a friend or loved one that texts while driving, let him or her know that it’s not okay.
Have you been injured by a distracted driver?
If you’ve been injured by a distracted driver in Pennsylvania, you might be entitled to punitive damages in addition to compensation. Our law firm represents car accident victims of distracted drivers and people who text while driving. We can help you recover your lost wages, medical bills, pain and suffering, and get back to worrying about what’s important—your family. Call our Pennsylvania Car Accident Law Firm for a free consultation at 814-452-6232.
What does “Date Last Insured” mean?
For any individual considering applying for Social Security Disability, there are a number of different factors that must be taken into consideration. One of the most important factors is an individual’s “date last insured,” often abbreviated as “DLI.” This date can determine whether an individual is eligible to obtain Social Security Disability Income (SSDI) or if they are only potentially eligible for Supplemental Security Income (SSI).
Social Security Disability and Date Last Insured
In order to be eligible for Social Security Disability (SSDI), an individual must have obtained enough quarters of coverage to be considered insured under the program. A person earns a quarter of coverage by working in a given quarter during a calendar year and paying Social Security and Medicare taxes and a person can earn up to four quarters of coverage in one year. Once a person has obtained a quarter of coverage, she is eligible for coverage under the SSDI program up until a certain point in time. This point in time where the coverage for SSDI lapses is referred to as the “date last insured.” After the date last insured passes, a person is no longer eligible for the SSDI program if their disability begins after that date because that person no longer has coverage under the program.
Due to this, it is very important for an individual to be aware of his or her date last insured when applying for Social Security Disability Benefits. If a person’s disability begins before his or her Date Last Insured, then he or she can be eligible for SSDI benefits. An individual can apply and obtain SSDI benefits after his or her date last insured has passed but, in order to do so, he or she must prove that his or her disability began before the date last insured had passed.
What if my Date Last Insured has passed?
If your date last insured has passed and you are unable to prove that your disability began prior to the date last insured, you will not be eligible to receive SSDI benefits. However, this does not necessarily mean that you will be unable to obtain disability benefits. Depending upon your income and assets, you may be eligible for SSI benefits, as the SSI program is a separately administered program with its own eligibility requirements.
Because there is so much complexity and so many factors involved in obtaining Social Security Disability Income, it is important to obtain an experienced Social Security Disability attorney in the event you are seeking to obtain disability benefits. Our office will do everything in our power to aid you in the process of obtaining Social Security Disability benefits. Contact one of our attorneys today for a free consultation.
ErieInjury.com to Sponsor WICU’s 2018 Olympic Medal Count
We at Bernard Stuczynski Barnett & Lager are proud to announce that we will be the official sponsors of WICU’s Erie News Now’s 2018 Olympic Medal Count! When you tune in to watch Erie News Now’s coverage of the 2018 Olympics, be on the lookout for our name!
As Erie’s Injury Attorneys, we are committed to providing excellent and local legal representation to the people of Erie and the rest of Northwestern Pennsylvania, into Smethport and Bradford. If you were injured and are in need of a lawyer, you don’t have to go to Pittsburgh to find a good lawyer anymore: we’re right here.
Also be on the lookout for our commercials, which will be airing throughout WICU’s coverage of the Olympic Games!
Can they cancel my car insurance for a late payment?
Most insurance companies typically offer options regarding the payment of premiums. Almost all companies issue policies with a 6 month term. The premium can be paid in one payment or multiple payments depending upon the selected payment plan. Generally, the longer the payment period, the greater the premium actually paid.
Some of the insurance companies even offer monthly payments. These carriers typically are an option for minimal coverage low cost options for coverage. Unfortunately, people who select these options for coverage are the ones who typically run into problems with late premium payments because of tight budgets which forced the selection of a monthly payment option in the first place.
Pennsylvania law provides the consumer with some protection here. Under Pennsylvania law, the insured is entitled to advance notice that his/her policy will be cancelled unless the premium payment is received by the carrier. Typically, the insurer will send out this “notice of cancellation” a day or two after the premium’s due date. Under regulations in PA Code, the cancellation date must be no earlier than 17 days after the date of the cancellation notice. The actual form for this notice is included in the regulations. The failure to provide a timely and adequate notice of cancellation can invalidate the purported cancellation of the policy.
The problem is especially complicated when the insured is on a monthly billing cycle. In order to comply with the regulations, these carriers will actually try to combine the bill with a notice of cancellation. There are many ways to challenge the cancellation notices under these circumstances and one of our car accident lawyers can help.
I recently had a case where a company sent out its bill/notice indicating the policy payment was due by June 29. This was one day earlier than the previous month because of the fact there were 31 days in May. On June 30, the insured’s payment was received, however, the insured was in an accident early on June 30. The carrier denied coverage, indicating the policy was cancelled June 30 and reinstated on July 1.
There was no valid cancellation notice provided under the law and when threatened with bad faith, the carrier provided coverage and even paid reasonable attorney’s fees for forcing the insured to retain counsel to contest the denial of coverage. If you should find yourself in such a situation, gather the last couple of months bills/notices and your policy and immediately schedule a free consultation with one of our Pennsylvania personal injury lawyers. You may still be entitled to coverage.
As a final word of advice, do not select the convenient monthly premium payment plan. This option is not only the most expensive, but it is also the one which can most easily lead to an unwanted cancellation of your policy.
Not only is the cancellation of coverage extremely serious in itself, it means you will have limited tort status despite any full tort selection in your policy. Also, if you are uninsured for 30 days or longer, your carrier can charge you “high risk premium rate,” which is the highest premium rate permissible by law.
Our lawyers can help.
If your car insurance company is saying your policy was cancelled after an auto accident, our personal injury attorneys can help. Call one of our Pennsylvania lawyers today for a free consultation: 814-452-6232.
Can you sue the EMTA for Injuries after a Bus Accident?
There is a common misconception among the people of Erie that the EMTA (Erie Metropolitan Transit Authority) cannot be sued for personal injuries after bus accidents because the EMTA is a “government entity.” This simply isn’t true. This misconception stems from a fundamental misunderstanding of “sovereign immunity” and Pennsylvania’s exceptions thereto. As will be explained in this article: Yes; you CAN sue the EMTA for injuries after a bus accident! However, there are limitations and requirements that must be met and you should hire an experienced car accident lawyer to help!
The doctrine of sovereign immunity is ancient and generally provides that you cannot sue a sovereign, such as a state or a local government, unless the state specifically waives its immunity. Under 42 Pa.C.S. § 8542, Pennsylvania waives its sovereign immunity for lawsuits arising out of motor vehicle collisions, like bus accidents, subject to a number of other conditions.
One important requirement is set forth under 42 Pa.C.S. § 5522, which generally requires a political subdivision to be put on notice of a lawsuit within six (6) months of the date of the incident. If this deadline is missed, an injured person may not be able to sue a government entity even though the statute of limitations in Pennsylvania for such injuries is normally two (2) years! As such, it’s important to hire a personal injury attorney as soon as possible after an accident!
Another important limitation that causes people to incorrectly think the EMTA cannot be sued is 42 Pa.C.S. § 8553, which places some significant limitations on damages that can be sought in a settlement or from a jury verdict against government entities. For example, one cannot recover for pain and suffering against the EMTA unless there is either a death involved or “in cases of permanent loss of a bodily function, permanent disfigurement or permanent dismemberment where the medical and dental expenses…are in excess of $ 1,500.” Unfortunately, this often precludes settlements when a person suffers “minor” injuries like whiplash. Our attorneys know how to help prove your injuries are permanent.
Call 814-452-6232 for a FREE Consultation!
Finally, when it comes to significant injuries, 42 Pa.C.S. § 8553 caps damages against government entities like the EMTA at $500,000.00. While this is more than many cases are worth, it places a significant limitation on people who have been killed or disabled as a result of the EMTA’s negligence. Unfortunately, these damage caps only hurt those have been injured the worst.
Our Erie Lawyers can help.
If you have been injured in a bus accident or are looking to make a claim against the EMTA, you should hire an experienced personal injury lawyer immediately to protect your rights and help build a case. Don’t let other lawyers tell you it cannot be done: it’s simply harder to do and requires the appropriate skill set. Our attorneys offer free consultations and only charge a fee if there’s a recovery. Call 814-452-6232 for an appointment today.