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Social Security Disability Blog

Uninsured motorist: Will an accident affect your insurance?

Getting into an accident is stressful. It can be even more stressful when the other person involved does not have car insurance or does not have enough insurance. This is known as an uninsured/underinsured driver. These drivers are the reason why so many insurance-carrying drivers also have this type of coverage written into their auto insurance policies.

The fact of the matter here is that if your policy does not include a section for underinsured/uninsured motorist and you get into an accident with such a driver, your policy will not cover the claim. You can file the claim with your carrier, but it will almost always be denied if you don't have the coverage in place.

Social Security Disability Insurance (SSDI) - Benefits of Representation

A recent report by the Government Accountability Office (GAO) shows statistical evidence in the fact that claimants in Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) claims have a three times higher rate of success at hearings than those claimants who do not have representatives. The report sites as one of the reasons for higher success rate is that the representative can help the claimant ensure that medical evidence and other evidence is fully developed and help the claimant present testimony at the hearing. The GAO report also sites representatives' selectivity regarding claims as a possible factor as well.

Man injured when his vehicle is rear-ended, then flips

It doesn't take much to cause a car crash. A second or two looking at a cellphone, a moment to change the radio station or just simply to look in the rearview mirror for too long is all it takes. No matter how carefully you drive, there is a chance that you will be injured in a car crash because of someone else's inattention, recklessness or negligence.

A 72-year-old man is recovering at the University of Tennessee hospital after his vehicle was rear-ended on Alcoa Highway. According to police, a 29-year-old female was driving a Dodge Avenger in the left lane of the highway. The traffic started to slow down, so she moved to the right lane. However, police reported that the woman didn't realize the traffic in the right lane was stopped completely. She slammed into the back of the 72-year-old's Honda Accord, which left the roadway and flipped. It hit the rear of a Chevrolet Equinox that was pulled off on the right shoulder of the road.

School bus driver found guilty after deadly crash

A school bus driver in Chattanooga got into an accident with 37 kids on his bus. Tragically, six of those children were killed in the crash. They were all in elementary school.

The driver recently went to court, where he was found guilty of every single count that had been leveled against him. It only took the jury around six hours to come to that conclusion.

How do I know if my disability qualifies me for benefits?

Social Security is for more than just retirement planning. Thousands of Americans with temporary or permanent disability use benefits from the Social Security Administration (SSA) to make life with disabilities or recovery from them easier.

Since no two injuries are identical, every case is unique. If a disability claim requires an appeal or extra evidence to support it, legal representation may be helpful for claimants. No one should be denied disability benefits to get their lives in order.

Social Security Disability Insurance (SSDI) - Average Processing Times and Approval Rates at Hearings

One of the toughest things I have to do when explaining to people who are applying for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) or whose application has been denied is the length of the process. I try to regularly provide an update on processing times and approval rates for Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) claims at some hearing offices (ODAR), but it has been since January of 2017. Please remember that these statistics are only for claims pending at the hearing level or Office of Disability Adjudication and Review. The claims at a hearing office have already been through the Application and Reconsideration steps (typically 6-12 months of waiting already).


  • Average processing time: 582 days (up from 573 in July of 2017, 525 days in January of 2017 and up from 444 in May of 2015)
  • 45% of cases approved

Chattanooga, Tennessee:

  • Average processing time: 556 days (up from 553 in July of 2017 and 535 days in January of 2017)
  • 50% of cases approved (up slightly from last July, but down from 60% in January of 2017)

Charleston, South Carolina

  • Average processing time: 675 days! (up from 656 in July of 2017 and 617 days in January of 2017)
  • 39% of cases approved (down from 40% in July of 2017 and 49% in January of 2017)

Columbia, South Carolina

  • Average processing time: 655 days (up from 654 days in July of 2017 and down from 664 days in January of 2017)
  • 49% of cases approved (down from 53% of cases approved in January of 2017)

Franklin, Tennessee

  • Average processing time: 567 days (up from 552 days in July of 2017, 521 days in January of 2017 and 475 days in December of 2015)
  • 53% of cases approved (down from 55% in July of 2017 and down from 62% of cases approved in January of 2017)

Kingsport, Tennessee:

  • Average processing time: 540 days (up from 532 days in July of 2017, 512 days in January of 2017, 454 days in October of 2016 and 339 days in April of 2015)
  • 60% of case approved (down from 64% of case approved in January of 2017)

Knoxville, Tennessee:

  • Average processing time: 576 days (up from 565 days in July of 2017, 521 days in January of 2017)
  • 51% of cases approved

Memphis, Tennessee

  • Average processing time: 600 days (up from 591 days in July of 2017, 578 days in January of 2017)
  • 45% of cases approved (down from 47% of cases approved in July of 2017 and 52% of cases approved in January of 2017)

Nashville, Tennessee

  • Average processing time: 509 days (up from 508 days in July of 2017, 491 days in January of 2017, 484 days in October of 2016 and 465 days in December of 2015)
  • 51% of cases approved (up from 49% of cases approved in July of 2017)

Middlesboro, Kentucky

  • Average processing time: 458 days (up from 436 days in January of 2017)
  • 46% of case approved (up from 45% in July of 2017)

The hearing office staff work hard and understand the frustrations of the claimants and representatives, but they are hamstrung by the workload and budgetary restraints.

Do I need an attorney for Social Security Disability in Tennessee

Many people who have to file for Social Security Disability, commonly known as SSD, are not sure about how to proceed. This is a common issue that can create problems for the person who needs SSD.

The application process is often complicated, and you may wonder if you need the assistance of an attorney. There are several advantages to working with a lawyer to help you on your SSD claim. Here is some more information to help you make a decision.

What factors cause truck driver fatigue?

Fatigued truck drivers can pose a risk on the highways of Tennessee. Their reaction times may be too slow and some very tired drivers even fall asleep behind the wheel.

Combating this isn't easy, and it starts with identifying the things that cause this excessive fatigue. A few key factors include:

  • Falling into "sleep debt." This is when busy workers don't sleep enough for multiple days in a row.
  • Having a short night of sleep right before working. We've all been there, but it's a lot more dangerous for a truck driver to try to tough it out on four hours of sleep than it is for an office worker.
  • Enduring taxing driving conditions. For instance, having to pay extra attention because of winter weather can wear a driver out.
  • Driving during the night. The human body is conditioned to sleep at night, and it's naturally going to feel tired as it gets dark.
  • Working for extra long hours. No matter what time of day it is, drivers start to burn out when they're on the road for hours on end.
  • Working irregular hours. When drivers don't have a set schedule they can count on, planning in enough rest gets hard.
  • Traveling on monotonous roads. These roads may be easy to navigate, but they can be extremely boring.
  • Suffering from health problems. Sick drivers may get tired easily. Those with sleep disorders may feel constantly fatigued. Drivers dealing with emotional issues and stress may wear out quickly.

People who suffer from anxiety more likely to suffer dog bite

The Centers for Disease Control and Prevention (CDC) reports that those who own pets are healthier than those who don't. People with a pet have lower levels of cholesterol, blood pressure and fat.

However, people who suffer from anxiety are more likely to suffer from dog bite according to a research study from the United Kingdom. The researchers published their findings in the Journal of Epidemiology and Community Health. They examined data from 694 people in 385 households. The data included the details of dog ownership, demographics, history of bites, personality types and overall health.

The United States has terrible car accident statistics

Cars are a part of culture in the United States in a way they really aren't in most other countries. If you think that means Americans are good drivers, think again. They're actually terrible drivers, with far worse track records than those in other developed countries.

For instance, there were 2.9 car accident deaths for every 100,000 people in England in 2013. In the United States, the rate was a stunning 10.6 fatalities per 100,000 people. That's more than three times as many traffic deaths for Americans.

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