Social Security. YUP!

BELOW IS A VERY BRIEF OVERVIEW OF VARIOUS TYPES OF SOCIAL SECURITY BENEFITS AVAILABLE.  

There are several types of social security: SOCIAL SECURITY EARLY RETIREMENT (SSER), SOCIAL SECURITY (OLD AGE) RETIREMENT (SSR) (SS Early Retirement), SOCIAL SECURITY DISABILITY INCOME (SSDI), SOCIAL SECURITY DISABILITY (SSD) AND SUPPLEMENTAL SECURITY INCOME (SSI)-- MORE acronyms exist; below is a very limited explanation of how these types of Social Security benefits affect you.

Social Security language refers to: credits of earnings: a credit equals a 3 month period of reported work income.  Don't worry, most attorneys' eyes glaze over when attempting to understand and even explain social security.

SSR: The easiest to understand is "old age full social security benefit" (SSR)-- you qualify for this SSR benefit if you've paid to the social security system (20 credits in the last 10 years-- means 5 years of income reported) AND are the age of  full retirement (SSR). Some baby boomers, need to be age 67 before they can get their full SSR. At this moment, it does not matter if you are a millionaire-- you still get this benefit. However, if you want to receive an early old age social security retirement (age 62)-- well, then, your recent earnings are reviewed and if they exceed a certain amount, then you do not quality for early SSR. There's more-- alot more.


SSD: You must be unable to work for at least 12 months, or have a disease that will end in death AND have contributed (20 credits) to the social security system. If you earn over $800.00 at work, in general, you would not qualify for SSD (unless your condition is on a special list.  The monthly benefit is earnings based-- a formula of earnings. If you qualify for SSD and  want to attempt to go back to work, special rules apply to the first years of earnings. There's more-- alot more!

SSI: You must meet the definition of disabled AND not have assets over a specified amount.  You can only own property up to two thousand dollars in value: if you are married, three thousand dollars in value is permitted.  In general, your vehicle does not count in this valuation process; nor does a burial plot in value up to $1500.Your spouse's and even the income of other family members with whom you live-- may be used in the qualification calculation. However, social security does not  count the house in which you live or the land upon which the house sits. Your personal and household goods do not count. There's more-- alot more.


By the way, family members may be eligible for benefits also.  And of course there is a death benefit of less than $500 available. There's more-- alot more.

Knowledge is power. We stand with you! LAW FIRM RUBENSTEIN SENDY TOLL FREE 888-511-4LAW, 877-977-7713

Car Accident Auto Accident. YUP!!!

Whatever you do-- do not leave the scene of the accident!!! Once the police arrive, you -- the evading vehicle driver-- are at fault.  Unless, an ambulance drives  you to the hospital-- stay at the scene of the accident.  You must explain the entire event slowly and carefully to each responder (police, ambulance or fire).

It's possible that a police officer or trooper will ask you to move your vehicle, if it is drivable.  Tell the trooper or officer to note the last position of your vehicle.  Otherwise, by the time the other officers arrive, to control and restore the flow of traffic, they believe that the accident has been all figured out and ... you could be cited or even receive a warning-- just because the troopers or officers did not understand how the accident occurred.

Knowledge is power. WE STAND WITH YOU! Rubenstein Sendy toll free: 888-511-4LAW

Hurt on job not employer's site (off-site) ? YUP!

First I direct you to my other blogs on workers' compensation, in general. Next I offer below three of the many situations that can occur:

1. Your working, doing as roofing job, for your employer ABC Company.  However, XYZ Company lends you a ladder that has a loose rung. Up you go to the  roof, but on the way down-- you fall (because the loose rung collapsed).

2. Your working delivering pizzas; an angry driver (you stop for all red lights) tries to pass you-- on the right-- and strikes your employer's vehicle.

3. Your working at McDonald's and slip in the bathroom-- because a cleaning company failed to wipe up a greasy stuff-- left by a cleaning detergent.

These are all workers' compensation cases; however, they have a new element-- that we call this new element a THIRD party case.  These are tricky cases. Yes, you need a lawyer to handle these cases.  How much you get in your pocket depends on using the VELCRO school of law concept (give notice to them all and file suits against all).  In general, in CT you have two years from the date of accident in which to file a lawsuit.
                At Rubenstein Sendy was say:
Knowledge is power. We stand with you! 888-511-4LAW

Motorcycle Accident? YUP!

At Rubenstein Sendy, these are amongst our most serious-- often fatal or with lifelong injuries.  If you or a loved one enjoy the freedom that a motorcycle ride (rider) provides, please wear a helmet and leather clothing.  Road burn can result in scarring and irreparable muscle damage.

Often the driver of a car or truck that strikes the rider fails to drive his vehicle a reasonable distance apart or tails the rider and follows too closely.  The rider is not a spec in the sky -- but a participant in real time road travel-- and must be approached with even greater caution that vehicular driver.

Knowledge is power. We stand with you! 888-511-4LAW

Bicycle Accident YUP! VELCRO SCHOOL OF LAW

FACT: Under Connecticut law-- your auto policy follows the insured.
At Rubenstein Sendy, we practice the VELCRO SCHOOL OF LAW approach-- in other words, we search for every insurance policy that may apply to the accident.

1. We determine whether or not the traffic control signal was working properly and/or a stop sign was removed and/or if shrubs blocked the auto's view of the street, was alcohol a cause of the accident.

2. We serve notice of negligence upon all the appropriate parties: possibly the State of Connecticut, city or town, bar or tavern, driver and owner of the vehicle that caused the accident, ... any any one else we can think of-- because our role is to gather these policies for your benefit.

3. If you are an insured, under the family auto policy or your own auto policy-- you will have coverage for this type of accident. You might even have medical treatment coverage.

4. We set up your team and move forward.  YOU will meet with either myself (Atty. Kathrine Sendy) or my beloved spouse (Atty. Bruce Rubenstein).  Yup, Bruce and I
work together and are married (since 1981).

5. Our consultations are always free and we have free parking, free notary services and free water upon request.

Knowledge is power. We  stand with you!
Tel: 888-511-4LAW or 860-527-9611 (124 Jefferson Street, HTFD, CT-- across from HARTFORD HOSPITAL.

Workers' Compensation-- Hurt on the Job? YUP!

Begin your claim-- I am only licensed in CT and can only provide advise in ct; every state has laws regarding workers' compensation-- and each is unique.
1. Seek immediate medical attention.
2. Notify, in writing (keep copy for yourself), your employer about the nature of the accident.
3. This sounds crazy, but gather witness statements (include: name, date of birth, SSN #, telephone #s, etc.).  This will have a big impact upon whether or not your claim will be accepted by the employer.
4. It is possible that your employer requires all work-related injured workers-- be medically treated by a specific list of medical providers.  If so, then you must go to their doctors, and unless an unusual circumstance arises-- you must be treated by medical providers on "the list".
5. Send a completed FORM 30C, via certified mail receipt requested, to your employer and the workers'  compensation district in which either you were injured or the employer's location; also send a copy of the form to the workers' compensation adjuster or lawyer-- if the file has been opened.  This is crucial to your case.  In general, you only have one year from the date of injury, in the state of Connecticut, in order to preserve, perfect and file this claim. Don't let this time expire.
6. Seek a lawyer who practices in this area of law-- many minefields are ahead of you.
(Oh, by the way, some employers pay-off people, with cash, to not file a workers' compensation case. I shall not comment upon this practice.)

Knowledge is power. We stand with you!

Rubenstein Sendy call: 1-888-511-4law

Rain Storm or Fire Damage? YUP!

Pesky though it is-- storm and fire damage is probably covered by your property insurance, minus any deductible. Does this coverage payout where the fire that began on your property hit your neighbor's property as well???  Sounds like it should.

Knowledge is power! We STAND with you!

888-511-4LAW; website: Rubensteinsendy.com; email: artoflaw@yahoo.com

Seatbelt laws? YUP!

CT has a seatbelt law-- you don't buckle-up and you get a juicy ticket;  but is your liability affected by "not buckling up"?  Thus far, whether or not you buckle up is not a consideration in determining liability and has no effect upon a personal injury matter.  HOWEVER, a relatively recent case addressed whether or not the drunk passenger is subject to comparative negligence, where the driver is DUI-- has been addressed by one Superior Court -- yes, comparative negligence may be attributed to the drunk passenger.  Does this translate into comparitive negligence to seatbelt cases? Perhaps or not!

Knowledge is power! We stand with you!

888-511-4LAW; email: artoflaw@yahoo.com; website: Rubensteinsendy.com

Parent liability for act of minor child, in CT! YUP!

A parent can be held liable for the act of a minor child.  CT law limits the $$$$ damages-- but YOU may have to pay. 

Knowledge is power! We stand with you!
Always free consultation!!!

For more info: 888-511-4LAW;  primary website: rubensteinsendy.com; email: artoflaw@yahoo.com

Accident Law Connecticut:: WE DO THAT

At Rubenstein Sendy we immediate set up your team-- to investigate, follow-up and continually return your calls. Together we can accomplish a great deal-- you do not have to manage insurance company calls-- we do that; your property damage negotiation is not done by you-- we do that; you do need to seek medical attention and follow-up on the treatment; need a reminder-- we do that;  you didn't go to medical school and don't understand these medical reports-- we do that;  your bills are piling up, need reminders-- we do that.

Remember information is power.  We stand with you.

Part 2 Uninsured Motorist Coverage

So-- you've given a description of the accident to both the police officer and the emergency room medic. Now, contact your own auto insurance carrier.  Tell your insurance agent about the accident.  Continue treatment for your injuries-- if you continue to be in pain.

If the police are unable to locate the vehicle, its driver, or its owner, or the vehicle had no insurance at the time of the accident-- your insurance can step into the shoes of the other vehicle (steps up to the plate) and is  used to pay YOU for your injuries, often the property damage and frequently provides a rental vehicle-- while your vehicle is repaired. Remember, your  benefits, in this situation, are limited to the type of policy and coverage benefits that you purchase. Knowledge is power. We stand with you.

Uninsured Motorist

Hmm! What is Atty. Sendy trying to say? Well, what if you or your vehicle are injured or damaged in an auto accident accident (incident) and the person who caused the accident-- takes off-- evades the scene-- takes a flyer-- what can you do?

Call 911 immediately, give the officer a description of the vehicle and plate number-- if you recall it.  Better yet, use your cell phone and take a photo of the evading vehicle.  Tell as many details as you recall, of the  incident, to the officer;  repeat the description of  the incident to the emergency room medics.

You can still recover money damages for your injuries from your own auto policy.
Remember knowledge is power. We stand with you.

Do I need renter's insurance? YUP!

Renter's insurance covers your personal property losses, up to the amount of coverage that you purchase. The landlord is not always responsible for your loss of furniture, food, etc. The person who caused the water damage, fire, etc. may be uninsured and own no property;  then your  renter's policy would come into play and you could re-purchase all that you lost.

Rubenstein Sendy is a law firm and does not sell renter's or any other insurance.
Remember information is power. We stand with you.

My first Blog Entry - Many more to come!

I have acquired much knowledge of the legal system during the thirty years that I have been practicing law. The first and possibly the most important thing to do when you are in an accident is to immediately seek medical attention.

First Post 9.10.2010

I am sitting in my office and contemplating my first blog entry.  I am reminded of other bloggers-- who appear to use their blog for personal agenda.  This blog is dedicated to injured people. I shall enter, every Tuesday, new data regarding personal injury matters.  Hope to hear from you!!!!