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You've been diagnosed with an disabling illness that impacts your ability to work, play and thrive.

You're overwhelmed by the prospect of doctors, employment and legal issues, lawyers / attorneys/ law firms / lawsuits, new expenses, loss of income and the mountains of paperwork standing between you and your benefits.

You're not alone. We know what you're facing and we will show you the best way to navigate these new challenges.

Disabilitykey.com is a website designed to assist each person in his/her own unique quest to navigate through the difficult and often conflicting and misleading information about coping with disabilities.

Carolyn Magura, is a noted disability/ADA expert, who has written several e-Books, articles and blogs documenting the process that allowed her to: continue to work and receive her “full salary” while on Long Term Disability; and become the first person in her State to qualify for Social Security Disability the first time, in UNDER 30 DAYS.

Click on the link below to receive Carolyn 's easy-to-read, easy-to-follow guide that will help you through this difficult, trying process. If you are disabled, don't let this disabiling process disable you.

Click Here To Download Now

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You are in the middle of learning about your illness/disease, and you are struggling with how best to communicate with everyone who wants to know what is going on with you.

If you are disabled due to an illness and/or disease, you probably know how hard it is to communicate all about your symptoms within the limited time you have with your Doctor(s) (usually no longer than 15 minutes per visit).

Your family wants to know what’s going on with you, how you will be impacted, and what they can do to help. You are still working, but having a hard time with your job. How best to communicate your symptom impairments to your Employer?

Perhaps you need to get an attorney / lawyer involved in your case; you have been struggling with the legal “red tape” for years and cannot get the Insurance companies, the state and/or the Federal government to help. How can you communicate years of information to your Attorney?

The Disabilitykey Workbook contains step-by-step guidelines to assist you in your legal & medical communications. By following the steps contained therein, you should be better prepared to:

Maximize your time in talking to your Doctor(s) about your symptoms, and their impacts on your daily “activities”.

Better communicate with family and friends about your symptoms, their impacts on your daily life, and how best they can help you help yourself.

Better communicate with your Employer about how your symptoms impact the functions of your job & the relevant ADA (Americans with Disabilities Act) issues.

Effectively document your symptoms and their impact on your Normal Daily Living (NDL) should you be in the process of applying for Long Term Disability (LTD) and/or Social Security Disability Insurance (SSDI) / SSI.

Click on the link below for noted disability expert Carolyn Magura's easy-to-read, easy-to-follow guide through this difficult, trying process.

Click Here To Download Now

SHORT TERM DISABILITY (STD) AND LONG TERM DISABLITY (LTD)

You have just been diagnosed with an illness; you have looked at your company benefits, and find out that you have short term disability and long term disability. BUT:

Do you know what triggers eligibility for short term disability and/or long term disability (a hint: it is NOT an illness or an injury)? What triggers STD and LTD eligibility is a loss of pay caused by symptom impairments from an illness or injury (non work-related)!

Do you know what is meant by “symptom impairment from an illness or injury? It is not just saying “I have Multiple Sclerosis”. What is necessary is to list your symptoms, and to show how those symptoms keep you from doing the “essential duties” of your job.

Do you know what the “essential duties of your job” are? They should be outlined in your Job Description. However, most folks do not have an accurate job description. Where will you get help in identifying these essential duties? Do you need to get a lawyer involved?

You read the information about your short term disability and long term disability insurance coverage, and you notice the term “elimination period”. What is this? How does it impact you? It means that, even if you do qualify for the insurance, you will not be paid for the timeframe called “elimination period”. What are the legal implication? And, how do you get paid?

You read on about long term disability and see that, even if you qualify, you will receive compensation for only one year (usually) if you are not able to perform your “own occupation”. After that, you will have to go back to work unless you can prove that you cannot perform work in “any occupation”. How can you do this?

Click on the link below to see Carolyn Magura's, noted disabilty expert, answers to these questions and many more in an easy-to-read, easy-to-follow format.

Click Here To Download Now

You have just been told by your Doctor that you have a disease/illness that will change your life.

What do you do now?

Where do you turn?

How do you learn more about your illness or disease and how it will impact you?

How do I keep my family from freaking out?

What about working?

You have heard about this law called “ADA”, but what is it, and will it help you. And, if yes, how?

If you can’t work, when and how do you tell your boss?

What about health insurance?

Can you continue it for yourself and your family if you can’t work? Can you get a health insurance policy with your disability?

What’s your timeline?

Click on the link below to get disability expert Carolyn Magura's answers these questions and many more in her invaluable e-guide to social security disabilty benefits.

Click Here To Download Now



 

 

 

Read Carolyn's DisabilityKey Blog

Carolyn's Archived Blog

Carolyn's Q & A Blog

Check Out Our Disability Consulting Services

 

Expert Carolyn S. Magura knows first-hand about being disabled and how to help you regain control of your life.

 

The Disability Timeline.  Get an idea of what to expect from the short term disability/LTD and SSDI processes as they relate to both benefit and employment issues.

 

Assistance Comparison: Costs & Services  This new road is confusing and many people may be able to help in different ways.  But are their solutions comprehensive, cost-effective and proven?

 
 

Comparing Your Options
You have several different assistance options from which to choose when starting your benefits process.

 

Talking To Your Financial Advisor
Know how  your 401k, investment proceeds and other types of supplemental income can -- and WILL -- affect your benefits.

 

Why Do I Need Disability Insurance? 
Prepare to be amazed by the latest statistics.  With 390 Americans becoming disabled every 10 minutes, insurance coverage is a must!

 

For Human Resource Professionals Working With People With Disabilities

Read Carolyn's Groundbreaking Guide: Expert Patient - A new approach to chronic disease management for the 21st century

Click Here For The The Self-Advocacy Ebook

Read Carolyn's New E-Book "My Disabled Employees Want To Work"

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