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Social Security Disability Attorney Rick Fleming Answers Client Concerns

As you might imagine, we get a lot of questions about the Social Security Disability process, who qualifies and why or why not. We sat down with Attorney Rick Fleming who leads our Social Security Disability department and is a NC Board Certified Specialist in Social Security Disability law. He offered some thoughtful answers to help dispel some common misconceptions.

Over the 15 years I have worked in Social Security Disability for the Law Offices of James Scott Farrin I have heard my share of false assumptions when it comes to applying for and being granted benefits through Social Security Disability. It helps when an applicant knows the right steps to the approval process.

Disability is a government-funded program that has strict guidelines. If there’s one thing I try to let our clients know, those working in Social Security Disability determination offices must be uncompromising. They have to be. They don’t work for the public, they work for the government. If your case doesn’t meet strict government guidelines, it won’t be approved.

How does the federal government define disability?

Social Security Disability Attorney Rick Fleming Answers Client Concerns

Disability, according to the government, is the unquestionable inability to perform work for at least 12 continuous months. It is important for clients understand that those 12 months must be ongoing or have already passed before someone applies. They also may qualify if it is highly likely that they will be expected to be unemployed for the next 12 months.

There must be a finding of a severe medical impairment.

The Social Security Disability Determination Services expects proof of impairment through medical records. Medical diagnosis and prognosis may be either physical or psychological and they are both covered under Social Security Disability. Clients are often concerned because they do not know what evidence they should use to prove they need Social Security Disability benefits.

Those suffering from disabilities are unable to participate in the kind of work they have done before, or any work in the national economy. When we ask clients if they have the ability to work in the national economy, it doesn’t just mean North Carolina, it means nationally, in all sectors of business in America. The reality is the job simply has to exist. It doesn’t necessarily have to be a job the applicant could actually get. The law wants to know if you have the ability to theoretically work if given the opportunity.

I get a lot of calls from prospective clients who are working and earning substantial wages yet wish to apply for disability benefits. Social Security Disability says that if you are able to work and earn a certain amount of money, then you are not disabled no matter what’s going on physically or psychologically.

Disability can be determined solely on annual income. In 2017, if you are able to earn $1,170 per month gross you are probably not disabled. Even with a physical or psychological impairment, working for that much money means you are likely not entitled to disability compensation.

Is there a difference in applying with an attorney vs. without one?

I would say yes.

It’s a complicated procedure that can be unclear to people because, let’s face it, we don’t grow up learning the Social Security Disability process. If someone has impairment, they may not comprehend all the things required in the application process or be in too much pain to even have the energy to put together a strong case.

They may miss items on the checklist and get something from Disability Determination Services (DDS) called a failure to cooperate denial. If an applicant receives one of these, they did not do all the things they were supposed to do in the application and may need to start over from scratch. That’s nothing to be ashamed of when you’re going through something of this magnitude, and you shouldn’t be penalized for it. This is can be an overwhelming situation to handle. A lot of times it helps to have someone else in your corner who’s making sure your i’s are dotted and t’s are crossed.

Our duty is to be a strong and knowledgeable advocate for you.

Do a client’s assets and resources have an impact on the outcome of the case?

There’s a complex answer there, but I’ll try to explain it simply.

There are two kinds of disability. Title II Disability, or regular Social Security Disability, is something you pay into through payroll taxes. When you look at your check you will see either a FICA or Old Age Survivor’s Disability Insurance (OASDI for short) deduction. Both the employer and the employee pay into this type of Social Security benefits.

If you have a Title II case, then what you own or have does not matter as long as you are applying for a benefit for which you’ve contributed throughout your working life. It’s like making a claim on your medical insurance or car insurance or homeowners insurance – you’ve paid the premium, and now you’re making a claim.

However, applicants under Title XVI (16) or SSI (Supplemental Security Income) are in a hardship or poverty program. This program is for people who have not worked enough or recently enough to qualify for Social Security Disability or Title II, and are poor enough to qualify due to a lack of assets or resources. Under Title XVI you cannot have more than $2000 in assets or other resources as a single citizen, and married couples must have less than $3000 in assets or other resources to qualify. As a side note for people married to a working spouse, you are reviewed with the income of your household. Assets of one spouse are legally deemed available to the other spouse. Married couples with two vehicles and anything worth more than $3000 exceed the asset quota, automatically receiving a technical denial.

We often get calls from parents or guardians who stay at home to take care of children or family members. If they’ve stayed at home long enough that they are no longer insured for Title II, their only option is SSI. If that is your situation, contact us at 1-866-900-7078 and have an experienced Social Security Disability attorney review your situation for free.

What determines the amount of money the client could potentially receive? Do disability benefits correlate to their last salary and benefit arrangement?

Social Security Disability benefits are based on work history. So if you are someone who made minimum wage, your benefit (if you qualify) will be lower than someone who earned six figures. Benefits also depend on how long you paid in to the system. Someone found disabled at age 26 after beginning to work at age 16 has only 10 years of contribution, whereas someone who has worked 30 to 45 years with high earnings is likely to have more money coming their way from Social Security Disability. That being said, Social Security benefits are modest and average only $15,329 a year for disabled workers.

When a client hires an attorney, does that speed up the claims process and potentially increase chances for approval?

It does not result in an automatic approval. Although, because we know what documentation and evidence to present and how to make sure it is completed properly and meet deadlines, it may potentially help get to an approval.

It may also hasten the process, in that we do everything we can to try to ensure nothing falls through the cracks. There should be open communication between the Social Security Administration, and the attorney representing the applicant or claimant. This networking and experience makes us confident in our ability to potentially win cases. We do our best to try to make sure things will not be forgotten, and therefore the process should go smoother and run more efficiently in most cases. Also, as an attorney I’m expected to frame the issues and use the correct kind of medical evidence that tries to build an unquestionable case of disability.

On our website readers can learn more about Social Security Disability wait times.

Do attorneys make the decisions regarding who is and is not disabled?

No. At the initial reconsideration level, the case goes to a place called Disability Determination Services and the case is assigned to a disability examiner, and either physical or psychological doctors, depending on the variables of the case. It’s that team at Disability Determination Services that makes the decision on the first and second level of appeals.

Each of our paralegals was a Disability Determination Services employee before joining our Social Security Department. They know very well what the agency is looking for and how to try to ensure your paperwork is properly submitted.

If the person is denied at both those levels, the case goes to the hearing level.

The hearing is where an administrative law judge (ALJ) holds a hearing that may include expert witnesses and is responsible for reviewing the applicant’s case and previous reasons for denial. After the hearing level, if the judge’s decision coincides with the lower determination and denies benefits, an applicant may seek to have their case sent to the appeals council where Administrative Appeals Judges (AAJs) make the determination. Here, it will again be decided if the case should be approved, denied, or remanded for a new hearing.

If you do not have success at this level, you can file a civil action in the United States District Court, where an Article III judge will make the decision. Afterward, those denied may apply to the circuit court, which for North Carolina residents is the Fourth Circuit Court of Appeals in Richmond, Virginia. If you’re not successful there, you can attempt an appeal to the U.S. Supreme Court in Washington, D.C.

When you are denied you, the applicant, or the attorney if you have one, have a duty to file an appeal within 60 days.

How long does each process take?

Wait times vary considerably depending on the level of your filing.

At the reconsideration level it’s going to be about six months for a decision.

At the hearing level it’s going to be about two years. At the district court level, it’s probably about one year, and the circuit court level it could be one to two years. The Supreme Court could have multiple factors determining the timing of decisions.

Some people are of the opinion that attorneys hold up cases to get more money. Is this true?

Of course not.

The truth is the Social Security Administration has too few employees and hundreds of thousands of cases to process. At present the backlog of cases awaiting a hearing before an ALJ is over one million. While our paralegals have a history of knowing how to work effectively in most situations, sometimes there’s nothing we can do, and these backlogs cause the process to take time.

What people don’t realize is that stalling the system doesn’t bring us or the client any more money because the government caps our fees.

In Social Security Disability cases fees are capped at 25% of back-due benefits or $6,000, whichever is less.

So if we did delay cases, we would actually be billing more hours than the fee cap provides. So if you’re talking about a case that lasts six months vs. 36 months, at some point we are losing money because we have more time and money in than we can possibly get out. Believe me, we would rather win sooner than later.

Since all employees are obligated to pay into the system, are they entitled to receive back taxes as disability benefits?

They will be entitled to retirement income in the form of Social Security, once they reach retirement age, but there is no entitlement to disability until you meet the strict requirements of disability under the Social Security Act. Think of it like health insurance or car insurance. Yes, you have paid for it, but they may deny it if your claim doesn’t meet the requirements.

Will applying for Social Security Disability assure payment?

No. Not one penny is received for disability until after you are seen as disabled under the law.

What are the keys you look for in a solid case, and what are the red flags.

Going back to some of the things we talked about before, there is a list I can use to initially screen an eligible candidate.

  1. Are you working? Have you had a break in employment already or do you have an impairment that is so severe, it is reasonable to assume you will be out of work for at least 12 continuous months?
  2. Does what you allege as a prospect, make sense medically? If you allege for example that you are blind, but you say you can drive to our office to meet with me to discuss the case, I’m going to know you cannot be found to be blind if you offered to drive to my office.
  3. Do you have medical evidence? Social Security Disability is grounded in medical evidence and you, the claimant, have the burden of proof – you must provide medical evidence to support your case. If you have never been to a doctor in your entire life, then there is no medical evidence to support your allegations of a severe medical impairment. No proof, no disability.

Do factors like a history of drug use or criminal charges factor into receiving Social Security Disability?

Yes.

This is a great question because it all depends on the perspective or reason for the disability claim.

If a client says, “I am disabled because I see and hear things,” and you see in their records they’ve tested positive for LSD then there is a problem. LSD causes one to see and hear things, thus drug use would be a factor to their disability and they could be barred from receiving any sort of benefits.

The flipside is if someone has a diagnosis of bipolar 1. Any psychiatrist is probably going to tell you that part of being bipolar is having some sort of a lack of impulse control, leading to some proclivity to drugs or alcohol use. So in that case it is different. It may be that it’s not the drug or alcohol causing them to be bipolar. Rather, substance abuse is a symptom of the bipolar disorder. One does not cause the other; this is to say that if the person stopped using drugs or alcohol they would not stop being bipolar.

Now criminal behavior is simple. If the injury was caused while in the process of a crime, they cannot receive any benefits. Let’s say, for example, during the course of a bank robbery the bank robber fell and broke both legs and tore the ACL in each knee. In this case the bank robber cannot claim disability for these impairments because it happened during the commission of a felony.

However, if their disabling impairment has nothing to do with the commission of a crime then they could potentially receive Social Security Disability benefits.

What is the cut-off age for receiving Social Security Disability?

In this case it is important to remember the right to disability ends at full retirement age, which you can find by clicking here.

For most of the population right now this means after 66+ years, the only benefit you can receive is retirement and not disability. If someone is working up until 70 and wishes to file for disability they can’t.

If a client dies from terminal illness, can their family assume the pending claim?

What we can do is file a special claim for the ill client. A claim marked TERI (terminal) which expedites the case to receive a quick decision. Assuming the case is approved, the disabled person would collect benefits until they passed. Then benefits would end. But if this client is a parent of minors, their children would be considered survivors of the deceased. This scenario brings Old Age Survivors Insurance in to play. When the client passes, their children are to receive benefits as a survivor under their parent’s social security number until their 18th birthday.

Another scenario is when a person dies while their case is pending. In some situations we can substitute in a proper party (a surviving spouse, parent, or child) and allow the case to proceed to a decision. Any benefit won would be for the time period prior to the death of the deceased claimant.

What would you say to those who say, “I know I’ll get some sort of compensation because my friend or relative got it for the same situation”?

We hear that a lot and it’s often that these people don’t know the specifics of their friend’s case. If for example the person has a low IQ, or met a certain listing, or if there is some fact that they don’t know about their neighbor, then they are comparing apples and oranges.

Are there any patterns you see in people who get accepted or denied?

No.  Just that they meet the requirements of the statute. The most important thing is to have consistent medical evidence and support of doctors.

For people who have to take medicine for diabetes, thyroid, or other illness, is there a way they could be declared disabled?

No. Taking a lot of expensive medications is only part of the analysis. In and of itself it is not conclusive evidence of disability.  When people say their condition has caused their doctor to restrict them from driving, does this mean they are disabled.

No. You can take public transportation, catch a ride with a friend, or call Uber. Whether you can drive or not is irrelevant. As long as there is a job that exists that you could reasonably do you are not disabled Under the Social Security Act.

If people are working to put food on the table, but they feel like they are disabled, are they?

Not according to the government. People who think they should receive disability because they are only working to pay rent or to feed themselves or family are missing the point of disability.

It doesn’t matter why you are working, it only matters that you are working.

That’s where the analysis stops for a perspective client. The government does not care why you are working. This is probably the most common conversation we have, and it is sad. We understand these situations – we see them all the time. Essentially, the analysis ends there and they cannot apply. Click here for information on working and applying for Social Security Disability benefits.

Before people contact us about a case what should they think about first?

I would tell them to ask themselves if they meet the conditions under the definition of disability.

If you can drag yourself to work two more days, six more months, five more years, or as long as you can, do it! You’ll probably get more money working than you will from Social Security Disability. The benefits are modest at best.

Do you have documented proof of your condition? You need to have strong medical proof (documentation) of your disability and meet the guidelines set forth by the Social Security Administration. If you can provide evidence that you fall under the legal definition, you should expect proper compensation, and you have the right to!

What should people do if they want a case evaluation?

If you've become disabled, don't be afraid to file for Social Security Disability benefits. It's your right. Just as importantly, don't think you will necessarily receive these benefits without a strong case that is backed with thorough medical evidence.

We offer FREE case evaluations and we are available 24/7. Our experienced lawyers and paralegals respond to the call of many clients statewide that have trouble dealing with their disability. Click here to contact us or call 1-866-900-7078 for a free evaluation of your Social Security Disability case.

P.S. Don't feel like you can't afford to hire Social Security Disability attorney. At the Law Offices of James Scott Farrin, we work on a contingency basis, so you don't owe us an attorney's fee if we don't get you compensation for your claim.

Click here for other frequently asked questions.

Workers’ Comp Benefits Stopped for No Reason? That May Be Against the Law.

By Michael F. Roessler

We’ve seen and experienced our share of insurance horror stories – the deceptions, delay and deny tactics, even outright lies in some cases. So many in fact that we developed a book called Insurance Companies (and Others) Behaving Badly.Insurance Companies (and Others) Behaving Badly

So it is not surprising to us when a client contacts us because they’ve been abruptly and for no apparent reason cut off from receiving medical treatment or cut off from their paychecks.

Unfortunately, this can be an all too typical scenario:

You’ve been hurt at work, and the insurance company has been paying for your medical treatment. Then, one day, your medical treatment stops. The doctor’s office calls to tell you that your appointments have been canceled and they will no longer have your prescriptions refilled.

Dumbfounded, you call the adjuster from the insurance company assigned to your case to find out what’s going on. She tells you, “We’ve closed your file.”

What gives? Can the insurance company do that? Can they just stop your medical treatment without your knowledge?

No. But that doesn’t mean they won’t try.

The experienced workers’ comp attorneys at the Law Offices of James Scott Farrin are here to fight for you when an insurance company tries to take advantage of you and deny you the benefits you may potentially be owed. We suspect some insurance companies are banking on the fact that you don’t know they can’t do that.

Your insurance company cannot close your case just because they no longer want to pay for doctor appointments or send you regular checks.

But just like other types of infractions, that does not stop them from trying to get away with it. Sadly, some do.

Your Right to Medical Treatment as an Injured Worker

If the insurance company has accepted responsibility to pay for your injury, the law requires them to pay for the medical treatment recommended by your doctor. Sometimes, however, the doctor’s recommendations may be expensive and the insurance company may not want to pay. We have seen such circumstances in which the insurance company has canceled appointments outright, putting the onus on the injured worker to challenge them. (That is when many turn to us for help.)

But they don’t have the right to just cut you off. You have the right to get the medical treatment you need to heal so you can try to get back to work. Sometimes, you may be forced to hire an attorney to fight for you to protect that right.

Your Right to Treatment May Extend to 2 Years after You’re Declared “Healed”

If an insurance company tries to deny you medical treatment, the attorneys at the Law Offices of James Scott Farrin can request that a workers’ compensation judge order the insurance company to pay for the treatment you need to try to get better.

Depending on the facts of your case, you may also have a right to get medical treatment for your work injury up to two years after your last doctor’s visit. This is important to know because even though you and your doctor may initially think you are fully healed from a work injury your condition might worsen over time. We see this happen a lot.

If that happens to you, you may have the right to go back to the doctor for up to two years after the last date the insurance company paid for any treatment.

What we’ve seen happen to some injured workers is that when they contacted their insurance company within that two-year timeframe, they were told their case had been closed.

Your right to medical care might continue for two more years even after your treating doctor says he has nothing more to offer.

Your Right to a Second Opinion

Injured workers like you also have the right to request a second opinion from another doctor. We typically urge our clients to take advantage of this opportunity. If the request is approved, a second opinion can help to try to make sure nothing has been missed and no other treatment is available that might help improve your condition.

The insurance company may try to ignore your request for a second opinion and try to tell you after your doctor releases you that your case is closed.

Your Right to Benefits Checks

Insurance companies can’t close your case because they’re tired of sending you a benefits check every week. In most all circumstances, once the insurance company starts sending you a weekly benefits check, they must continue to send that check until you’ve returned to work or the insurance company has been given permission by the North Carolina Industrial Commission to stop the checks. Even then, you may have the right to start getting the benefits checks again if you have to go out of work. The insurance company can’t close your case just because they stopped your check once.

Can Your Workers’ Comp Case be Closed Without Your Knowledge?

The only time your case can be closed without your knowledge is when more than two years has passed from the time you either made the claim or benefits were last paid. This is the statute of limitations in workers’ compensation cases.

Don’t fall victim to delay, deny, and defend tactics of some insurance companies.

NC Workers’ Compensation Lawyers Offer FREE Case Evaluation

If you have questions about whether your case has been closed for any reason, we advise you to contact the Law Offices of James Scott Farrin.

The sooner you contact us after your job injury the better. We can try to answer your questions about your situation. Any delay in contacting us could give your adjuster a chance to deny, delay, or potentially stop benefits.

Based on our team’s 150 years of combined experience, it is almost always a good idea to speak with us about your circumstances. Our confidential case evaluations are free, and you may learn that you’re entitled to more than the insurance company claims.

If you’ve been injured in a work accident or know someone who has, contact us today or call 1-866-900-7078 to learn how a workers’ compensation lawyer from the Law Offices of James Scott Farrin could potentially benefit you.

Can I Get Fired for Filing a Worker’s Compensation Claim?

By Doug Berger

Many injured workers are afraid if they file a workers’ compensation claim they’ll be fired. You cannot be fired for making a workers’ compensation claim. Not legally, anyway. But it happens. A lot.

I’ve seen it happen over and over for more than 22 years in the worker’s compensation field. I saw it when I was Deputy Commissioner at the North Carolina Industrial Commission where, for 10 years, I presided over 500 hearings for workers’ compensation disputes. (The North Carolina Industrial Commission (NCIC) is the impartial agency that administers and enforces workers' compensation laws.)

North Carolina worker’s compensation laws were designed to help protect injured workers. I should know. I helped write some of our state’s worker’s compensation laws as a four-term North Carolina senator.

Yet unfortunately, some employers do sometimes bend and break these laws. And it is not uncommon for an employer to fire an injured worker who makes a claim.

If you were my sister and you were injured on the job, I would arm wrestle you until you cried UNCLE and promised to contact a lawyer. (What can I say, I’m a rebel. Read my bio.) Experience tells me you’re frequently on the losing side of a worker’s comp claim without a lawyer. Being on the losing side can put you and your family in a downward spiral fast. I’ve seen these spirals and they’re ugly. Even more frustrating, many of these spirals could potentially have been prevented with the right legal guidance.

File a Complaint with the N.C. Department of Labor

If you believe you have been fired for making a worker’s compensation claim, file a complaint with the North Carolina Department of Labor. You can’t obtain the legal right to sue your employer for wrongfully terminating you without filing this complaint first. And you must make sure you file the complaint so that the Department of Labor receives it within 180 days from the date you alleged your employer retaliated against you for making a workers’ compensation claim.

Click here for instructions on how to file a complaint with the N.C. Department of Labor.

Even if you do file a complaint, you may still have an uphill battle ahead of you. What our firm has experienced over our many years of representing injured workers is, the Department of Labor will most likely do a minimal investigation and then close your file. Of course, they will likely interview the employer to determine what they “claim” was the basis for your termination. As you might expect, employers typically will not admit they terminated you because you made a workers’ compensation claim. They know that is illegal. More than likely they will defend their termination by alleging misconduct or some such similar claim.

(Are you beginning to see why we suggest you contact a workers’ compensation lawyer?)

Document. Document. Document.

Another important thing to consider. Document anything and everything related to your termination grievance. Document all evidence related to your injury and your employment (including past reviews, especially if they are positive), emails, and anything that supports your case.

Your “Right to Sue”

While the North Carolina Department of Labor rarely takes an employer to court for wrongful termination, they may at least issue you a “right to sue” letter. You then have the legal right to take your employer directly to court to have a jury decide whether your employer retaliated against you because you filed a worker’s comp claim. If you prevail, you may win your job reinstatement and receive back lost wages.

This is another area of workers’ comp law where you would be prudent to hire a lawyer, as this reinstatement does not always bode well for the reinstated employee. We’ve seen some who have been “reinstated” only to be fired again for any number of reasons. Since North Carolina is an “at will” state, your employer can fire you for no reason (with some exceptions).

Being Fired Under Family Medical Leave Act (FMLA)

When can your employer legally fire you for being out of work? When you have remained out of work due to a workplace injury.

As long as workers who are out of work due to workplace injuries are treated the same as employees who are out of work for non-work related injuries, the North Carolina Department of Labor does not consider such a termination a violation of the law. Employers generally terminate employees who are unable to return to work after they exhaust their Family Medical Leave Act (FMLA) leave. In this particular instance, while you may not be able to keep your job, you may be entitled to receive workers’ compensation benefits until you are able to find a new job.

There are so many nuances and ways to interpret workers’ compensation law. And there are many good workers’ compensation lawyers in North Carolina. If you do decide to hire one, click here to download key questions to ask before making your choice. Here are just some of the things we believe set us apart.

What Makes the Law Offices of James Scott Farrin Different?

Our firm was named one of the “Best Law Firms” for workers’ compensation by U.S. News – Best Lawyers® for the greater Raleigh area1 in 2017. This recognition is based on client and peer reviews. We have strength in numbers and strength in knowledge.

  • Many of our workers’ comp attorneys have been acknowledged by colleagues and peers. They are often asked to speak at seminars for other workers’ compensation attorneys. Others are accomplished authors of scholarly articles and two have received coveted awards for workers’ compensation, including Best Lawyers “Best Lawyers in America 3” for 2017. One was named NC Super Lawyers Magazine’s “Super Lawyer4” four times (2014, 2015, 2016, 2017) and Best Lawyers “Lawyer of the Year5” for Raleigh twice, (2015 and 2017).
  • More than half our workers’ comp attorneys are N.C. Board Certified Specialists in Workers' Compensation law. This N.C. State Bar certification denotes a high level of proficiency in a particular practice area, and less than 4% of attorneys licensed in N.C. can make that claim2.
  • We have two former North Carolina Industrial Commissioners.
  • As stated earlier, I was a four-term North Carolina State Senator for eight years and helped write some of North Carolina’s workers’ compensation laws.
  • Our attorneys are champions of the people. Many of them joined our side because they are advocates for those without a voice. And that is often the injured worker. Of our 13 workers’ comp attorneys, 12 are members of the North Carolina Advocates for Justice, an organization dedicated to improving the quality of legal representation in our state. Many are active members in their communities – from teaching at local colleges, to counseling the Hispanic/Latino community.

N.C. Workers’ Compensation Lawyers Offer FREE Case Evaluation

If your employer terminates you while you have a workers’ compensation claim, or even if you think you might be fired as a result, contact us. Even if you are fired while receiving treatment, stop to consider if your employer may be firing you because of your claim.

We have been in the workers’ comp industry a long time – always championing the individual worker over the employer or insurance company.

I won’t attempt to arm wrestle you and make you cry UNCLE, but I do urge you make a call to our firm if you suffered a work related injury.  A phone call costs nothing, and our confidential case evaluations are free.

If you’ve been injured in a work accident contact us today or call 1-866-900-7078 to learn how a workers’ compensation lawyer from the Law Offices of James Scott Farrin could potentially benefit you. 

1 Visit www.bestlawfirms.com for more information about criteria for inclusion

2 Figures from the N.C. State Bar as of December 2016

3,5 For more information regarding the standards for inclusion, visit www.bestlawyers.com

 4 For more information regarding the standards for inclusion, visit www.superlawyers.com

Why We Are Not Wired to Multitask and Drive

North Carolina Distracted Driving Accident AttorneysBy Sidney Fligel

What is Multitasking?

You know what multitasking is. Everyone does. It’s almost a given these days. I don’t care what task you are performing you are probably in the habit of multitasking while doing it.

I’m multitasking right now.

I’m answering a colleague’s question, kicking off my shoe under the desk, while I am typing this sentence. Meanwhile, Taylor Swift is whining on Spotify about some guy who’s so mean all he’s ever gonna amount to is mean. But she’ll be livin’ in a big ol’ city. Oh… and I just got a ping from my cell – my sister wants me to drive to her house this weekend (150 miles). Her peaches are coming in fast and she has to pick them before the birds eat them. So now I’m also weighing the pros and cons of fighting holiday traffic for a bag of fresh-picked peaches.

But I am stationary behind my computer screen. I am not behind the wheel of a two ton vehicle traveling 60 miles per hour with many other innocent drivers and bystanders nearby.

Do I multitask behind the wheel?

Do you?

Unfortunately we all do. And we may not even realize we do it.

Back in the day it used to be fine to sip a soft drink while driving, and maybe even change the radio “dial” or “roll down” our windows. But that was before seven-lane highways rife with left turns, commuting bicyclists, roadway signage everywhere, and millions of cars on the roads with minivan-wielding soccer moms filled with distracting kids rushing from practice to Chik-fil-A and on to the next practice.

And cell phones. Texting. Bluetoothing.

Our driving habits have become a real mess.

Who’s Guilty of Distracted Driving?

We are all guilty. Teens. Moms. Dads. You. Me.

Many people think distracted driving is a teenager problem. Not entirely. All of us become side-tracked and distracted without even realizing we’re doing it. Or realizing what a mistake it can mean to your life or someone else’s.

I was shopping in a locally-owned shop recently when the owner learned I work at the Law Offices of James Scott Farrin in personal injury. She shared her tragic story of why she had to go back to work after she’d retired. Her husband was hit by a distracted driver, suffered a severe brain injury and had to leave his job as CEO of a major corporation. Their lives took an abrupt about face as they lost nearly everything they had due to medical bills. (He did not hire a lawyer, unfortunately.)

The at-fault driver was a teenager. He was texting.

The woman shared with me how very sad she felt for that teen who was not only unrepentant, but snarky about what his carelessness did to her family.

I was stunned.

One careless mistake and an entire family’s path went south.

Multitasking Behind the Wheel is Epidemic

Distracted driving has become epidemic. National Highway Transportation Safety Administration (NHTSA) statics show distracted driving was the highest cause of “human choice” accidents, with six of 10 caused by distractions.

Cell phones, as we all know, are a common distraction (and one of the most deadly). In the era of Smartphones, one of the most common causes of accidents has been distractions from texting and using apps behind the wheel – even a map app.

Why Our Brains are Not Wired to Multitask

According to numerous research studies, our brains were not designed to focus on multiple tasks at once. Psychologists who study what happens inside your brain when people try to perform more than one task at a time have found that we are not wired for heavy-duty multitasking.

Switching between tasks (multitasking) can cause a whopping 40% loss in brain productivity, and the National Safety Council underscores why multitasking is particularly dangerous behind the wheel.

If you can walk and chew gum at the same time, why can’t you drive and talk on your cell phone? Walking and chewing gum involve both thinking and a non-thinking task. Driving while talking on your phone are two thinking tasks that involve many areas of the brain. Your brain rapidly switches between two cognitive activities rather than processing both simultaneously and some things can get lost or minimized in the switching.

Isn’t talking on a cell phone the same as talking to someone in the car? No. Drivers talking on cell phones are more oblivious to changing traffic conditions because they are the only ones in the conversation who are aware of the road. When you are talking to another adult in the car (with another set of eyes) they may be able to help you remain aware of traffic.

Isn’t using hands-free devices safer than a cell? Research shows it is not. As different parts of our brain share tasks, activity in one part will decrease as activity in another part increases. If you focus on a conversation, whether it’s with another passenger, using a hand held device, or cell phone, activity in the parietal lobe will decrease by as much as 37% says a Carnegie Mellon University study.

When you use a cell phone you get what is known as “inattention blindness.” You look but you may not see. You can miss seeing up to 50% of your driving environment.

Drinking and driving vs. driving while distracted. A study by the University of Utah illustrated in a controlled simulator that using a cell phone while driving is just as dangerous as driving with a blood alcohol level of 0.08, which is the legal limit behind the wheel in North Carolina. Just like alcohol, people can become addicted to their cell phones. Click here to find out the fascinating biological reason why.

Text behind the wheel and you are 23% more likely to cause a crash says the National Highway Transportation Administration (NHTSA) website, nhtsa.gov. As a matter of fact, it’s the same as drinking four beers. Both cause distraction and impaired driving that can result in following too closely, not being able to brake on time, or weaving into oncoming traffic.

We’ve all seen those cars that drift outside their lane. The RAC Foundation, a British motoring research organization, reports that texting while driving reduces steering control by 91%. And it decreases reaction time by 35%.

Multitasking Results in TMI

All of this is a result of too much information causing cognitive overload – our brain’s inability to hold so much information.

We are wired to have a working memory that can retain only two to four pieces of information at a time.

When more is required, our brain replaces the old with the new or it borrows from the auditory and visual parts of the brain.

Even when contemplating the next task, researchers discovered that an interruption – be it a phone call or deciding to check your email can cause you to take up to five minutes to refocus on your work.

Here’s a trivia question for you. What is the #1 distraction behind the wheel? (Keep reading for the answer.)

Just Drive

  • Don’t put your car in drive until you and your passengers are settled in and ready to go.
  • Take the time to check your surroundings and make sure anything you may need while driving is in reach so you won’t need to look for them on the road
  • If you need directions, get them before you put your car in gear

Keep your hands on the wheel and eyes on the road and just drive.

Tell Us Your Good Driving HabitsGet a FREE Case Evaluation from an N.C. Car Wreck Lawyer

If you or a loved one were the victim of any kind of distracted driving accident, we strongly encourage you to seek legal help. We don’t want anyone to end up in a situation like the shop owner whose husband was incapacitated and didn’t hire a lawyer which could have potentially helped save his family from financial ruin as a result of that car wreck.

Studies have shown that, on average, car accident victims who hired a personal injury lawyer received 3.5 times more compensation for their loss than they would have on their own*.

Contact us or call 1-866-900-7078 for your free case evaluation.

Trivia answer. The #1 distraction behind the wheel, according to Safestart.com? Wandering thoughts.

* Insurance Research Council 1999

I’ve worked all my life. Why aren’t I eligible for Social Security Disability Benefits?

Not everyone is eligible for Social Security Disability Insurance (SSDI) benefits. Only those who have worked and paid FICA taxes within five of the past 10 years and meet the government’s disability requirements.

Here is a simplified explanation of what you need to know if you’re thinking of applying for Social Security Disability benefits.

SSDI is Insurance for Disabled Workers

Social Security Disability Insurance is just what its name implies. Insurance.

When you work, a portion of each paycheck goes into a federal insurance fund (FICA, which stands for Federal Insurance Contributions Act). This is a fund for SSDI. Just like medical insurance or car insurance, you hope you never have to use your SSDI. But if you’ve paid into it (which you are required to if you receive a paycheck) you will be covered for benefits if you become disabled and the Social Security Administration determines that you are unable to work.

Spotty Work History?

What if you were working but you stopped temporarily to raise your children through elementary school? Or what if you were laid off and subsequently unable to find a suitable job for several years? What if you’ve been out of work due to a work injury?

Whether you may get SSDI depends largely on the date you last worked.

The government considers this very important date as the last date you would potentially be eligible for SSDI. To determine whether you may be eligible you must pass a "recent work" test. There is only one question on this test, so you either pass or fail.

Have you worked five of the past 10 years (or in government jargon, 20 of the last 40 quarters?

If you become disabled after your date last insured (DLI) has passed, you cannot get SSDI benefits. It would be similar to getting in a car accident after you stopped paying for car insurance.

Here is an example of DLI. If you worked up until five years ago today, your DLI would be today’s date. If you worked up until two years ago, your DLI would be three years from now. If you haven't worked for six years, your DLI passed one year ago and you are no longer eligible for SSDI unless you are found disabled before your DLI.

Show Me the Money

Occasionally we have seen instances in which someone assumed they were not eligible for SSDI. Yet upon closer inspection and reviewing their work and payment history, we discovered that a client’s employer failed to pay the employer and employee taxes and sought to correct the error. (Of course, payment is subject to IRS provisions on the ability to amend tax returns or file late.) While this doesn’t happen often, it serves as a reminder of how we have been able to help people uncover benefits they did not know were available to them*.

What if You Do Not Qualify for SSDI?

If you do not qualify for SSDI, you may be eligible for Supplemental Security Income or SSI benefits, provided you meet the extremely low income and asset requirements threshold.

SSI is for people who have never worked or haven't worked enough to qualify for SSDI. You can only get SSI if your income and assets are extremely low.

For 2017, the federal benefit rate is $735 per month for individuals and $1,103 for couples (and this is subject to reductions). Some states supplement the federal amount. North Carolina is not one of them.

Think You Can’t Afford a Social Security Disability Lawyer?

Think again. Uncle Sam limits the contingency fees for all Social Security Disability lawyers to 25% of back-due benefits or $6,000, whichever is less.

Get a FREE Case Evaluation From N.C. Social Security Disability Lawyers

We know applying for Social Security Disability can be a confusing and lengthy process. (It can take nearly two years in N.C. just to get a judge to hear your case – 23 months in Charlotte, 22 in Greensboro, 20 months in Fayetteville, and 19 in Raleigh.)

We understand from firsthand experience what you are up against.

Nearly every person on our Social Security Disability team has worked inside the Social Security Administration.

We know how the system works, what they look for to accept a claim, the importance of filing the correct forms and meeting strict deadlines, and what medical records to present. And sometimes we know where to look for benefits you may not be aware of.

If you are considering applying for Social Security Disability, contact us as soon as possible or call 1-866-900-7078 for a free case evaluation about your unique situation. We’re available 24/7.

*Each case is unique and must be evaluated on its own merits. Prior results do not guarantee a similar outcome.

I’ve Been Given a Workers’ Comp Rating. Should I Close My Case?

Workers Compensation Attorney North CarolinaBy Jacob Goad

One of the questions we often hear from injured workers is whether they should accept what the workers’ comp insurance company is offering to pay them, based on a rating of the injured person’s body part or parts.

That’s a good question. The answer can often depend on your unique circumstances. And sometimes on how much a doctor knows about North Carolina Industrial Commission (NCIC) ratings guidelines. We had a case a while back that illustrates this point.

A hip replacement is generally considered to be worth a 40% rating, according to NCIC guidelines. Surprisingly, not all doctors know about these NCIC guidelines. One doctor who did not know about the NCIC guidelines gave our client a rating significantly below 40% for a hip replacement. We sent the client for a second opinion with a knowledgeable doctor who assigned the more appropriate rating of 40%.

Just about every body part that you can imagine is named in the Workers’ Compensation Act, and is given a value in weeks of compensation. Here’s an illustration of hand, arm, leg, eye, hearing, and foot injury ratings, according to the North Carolina Industrial Commission (NCIC) ratings guidelines. (It is interesting, and in my opinion somewhat disturbing, to know that every finger on your hand has a value.)

NCIC Payments for Various Body Parts

Thumb 75 weeks Arm 240 weeks
First or index finger 45 weeks Foot 144 weeks
Second or middle finger 40 weeks Leg 200 weeks
Third or ring finger 25 weeks Eye 120 weeks
Fourth or little finger 20 weeks Hearing (one ear) 70 weeks
Great toe 35 weeks Hearing (both ears) 150 weeks
Any other toe 10 weeks Back 300 weeks
Hand 200 weeks

Whether You Should Settle Depends on Your Circumstances

Many people contact us with questions about whether they should settle based on a rating, and the answer to that question will vary depending on your circumstances. Here are some of the things we consider:

  1. Do you intend to continue working with the employer where your injury occurred?
  2. Are you receiving a weekly check from the workers’ compensation company?
  3. Do you have a substantial need of medical treatment?
  4. Have you undergone a functional capacity evaluation, and has your employer offered you employment that is appropriate for your injury?
  5. Have you been informed about your rights to file a Form 18M (an Employee’s Application for Additional Medical Compensation)?
  6. Is the impairment rating given by the doctor (often chosen by the insurance company) reasonable in light of your injury?
  7. Would you benefit from a second opinion by another doctor that is agreed upon by both you and the insurance company, and is paid for by the insurance company?

When You Settle Your Workers’ Comp Claim

The first step to resolving a case based solely on an impairment rating is by signing a Form 26A.  A Form 26A is an employer’s admission of the employee’s right to permanent partial disability to a body part or parts. We urge you to contact an experienced workers’ comp attorney before settling on a rating. You simply don’t know what you don’t know. One recent case comes to mind that illustrates this point.

We represented an injured worker who enjoyed her job and was looking forward to going back to it. The workers’ comp insurance company stood in the way of that goal however. Its guidelines for a full settlement of the claim stated that you must also resign from the company where you were working when you got hurt. Our client did not want to resign. So she decided to settle based on a rating alone. This would not have been in her best interest, so we embarked on extensive research that uncovered a gold nugget of information, which subsequently favored our client. Because of this new information, our client received much more than she would have otherwise based on her rating alone*. And she got to go back to a job she loved!

N.C. Workers’ Comp Lawyers Offer Free Case Evaluation

Case evaluations are free. Furthermore, we work on a contingency basis, which means if we don’t get you compensation, you don’t owe us an attorney’s fee. We urge you to contact us if you are considering settling based on a rating – or settling period.

PS…There are lots of good N.C. workers’ comp attorneys you could choose from. Here are five important reasons we believe you should consider hiring us.

*Cases or matters referenced do not represent the law firm’s entire record. Each case is unique and must be evaluated on its own merits. The outcome of a particular case cannot be predicated upon a lawyer’s or a law firm’s past results. Client identity has been removed or changed to protect client’s privacy.

The Law Offices of James Scott Farrin Has Filed Class Action Claims Against Chemours and DuPont for GenX and PFOA Contamination of the Cape Fear River Water Supply in Wilmington, N.C.

Cape Fear River Water Contamination

By Gary Jackson

On October 3, 2017, the Law Offices of James Scott Farrin and our co-counsel The Hannon Law Firm, LLC have filed suit against The Chemours Company and duPont Chemical Corporation seeking compensation for property related damages and funds for a monitoring program for early detection of disease because of GenX and other toxic contamination released from the companies’ Fayetteville Works Site. The GenX and other toxic chemicals, including PFOA and other perfluorinated chemicals, have contaminated water that the Cape Fear Public Utility Authority (CFPUA) in Wilmington, North Carolina uses to supply the majority of properties in Wilmington.

The CFPUA provides water to over 100,000 residents in Wilmington using surface water from the Cape Fear River. Testing done by North Carolina Department of Environmental Quality (“NCEDQ”) has verified that PFAS and PFECAs including GenX released from the Fayetteville Works Site have contaminated the CFPUA water supply from the Cape Fear River.

Read the Nix v. The Chemours Company, et al. Complaint

Learn More About GenX

On June 22, 2017, the US EPA measured over 720 ppt of GenX in the finished water delivered to properties serviced by CFPUA. In July, 2017, CPPFUA reported GenX in finished water from CFPUA at 250, 286, and 185 ppt. High levels of other perflourinated compounds including PFO2HxA and PFO3A were also found in July.

North Carolina Law Firm Offers Free GenX Case Evaluation

If you think you have been impacted by the Cape Fear River contamination, call us right now for a free case evaluation. We will review your claim and try to answer any questions you have.

Contact us or call 1-866-900-7078 for your free case evaluation.

Categories: Legal News

N.C. Police Target Aggressive Drivers in Ghost Cruisers

Car Accident Lawyer North CarolinaBy LaDonna Williams

Most drivers view aggressive driving as a serious or extremely serious risk that puts everyone’s safety in jeopardy. They are right, of course, but that doesn’t stop many from doing it, according to the AAA Foundation for Traffic Safety.

Recently, authorities in North Carolina committed to cracking down on this issue by investing in “ghost cars.” CBS North Carolina reports that these cars don’t look like your typical marked cruisers, as you can see from this WBTV NC photo.

The cruisers do have markings, but their graphics and decals are barely visible during daylight hours, allowing law enforcement officers to blend in with the rest of traffic. People are on their best behavior when they spot a police cruiser, the logic goes. The goal with ghost cars is to address aggressive driving habits, like speeding, tailgating, and unsafe lane changes by putting motorists on notice that police may be in the midst.

North Carolina law defines aggressive driving as careless or heedless operation of a vehicle in a manner that willfully or wantonly disregards the rights and safety of other drivers. To prove a violation, officers need to show an offender committed two or more of the following:

  • Running a red light
  • Running a stop sign
  • Passing illegally
  • Failing to yield right-of-way
  • Following too closely

A violation is considered a Class 1 misdemeanor – a charge that may betray the severity of impact these actions can have on innocent passengers and other drivers, pedestrians, and cyclists.

One study published in the journal Accident Analysis & Prevention revealed that aggressive driving tends to increase the severity of traffic crashes.

Recovering Damages After an Aggressive Driving Accident

In some cases after an aggressive driving accident the involved parties may find themselves tempted to argue with the other driver. On the other hand, others may sometimes feel compelled to apologize. However, our North Carolina accident attorneys would urge drivers involved in any crash to neither blame nor apologize after any kind of car crash. Instead, a polite exchange of insurance and driver’s license information as well as contact information of potential witnesses is in order. Also, if you are injured, seek immediate medical attention. Click here for steps to take after you’ve been involved in a car crash.

A person who is injured and plans to file a North Carolina car accident lawsuit for damages will have to prove negligence. Your attorney will need to show:

  • Defendant owed a duty of care (in this case, to safely operate a motor vehicle)
  • Defendant breached that duty (by failing to safely operate a motor vehicle)
  • Defendant driver’s actions were the actual and proximate cause of plaintiff’s injuries
  • Plaintiff suffered actual damages as a result of the crash

N.C. Car Wreck Lawyers Offer FREE Case Evaluation

Aggressive driving behaviors are undoubtedly a breach of a motorist’s duty. However, proving it sometimes can be challenging, and this is why we encourage injured parties to seek legal counsel from an experienced North Carolina personal injury attorney.

If aggressive driving has led to a serious accident resulting in personal injury, we can help you explore your legal options.

Studies have shown that, on average, car accident victims who hired a personal injury lawyer to represent them received 3.5X more compensation for their loss than they would have on their own*.

Contact us for a free case evaluation to see if we can help or call us at 1-866-900-7078.

* Insurance Research Council 1999

N.C. Workers’ Compensation Settlements: Proceed With Caution!

North Carolina Workers Comp AttorneysBy Ryan Bliss

At some point, most injured workers receive a phone call from the workers’ compensation insurance company asking whether they’re ready to settle their case. Maybe you’ve already received that call…

If so, it’s probably a good time to consult a James Scott Farrin workers’ compensation attorney. More than half our workers’ comp attorneys are NC Board Certified Specialists in Workers' Compensation law. This is the highest level of specialization available in N.C., and only a small percentage of N.C. attorneys can make that claim. Very small.

Navigating the twists and turns of the North Carolina workers’ compensation system is hard enough while your case is still open. But when you receive that phone call, you’ve got a whole new set of issues to consider. This is your livelihood we’re talking about. You don’t want to make any decisions you later regret. And when it comes to determining the “value” of your case, Facebook said it best:

IT’S COMPLICATED!

Do all workers’ comp cases settle?

First thing’s first. It’s important for every injured worker in North Carolina to understand that not all workers’ compensation cases settle. There is no requirement that your case should eventually settle, and you can’t force a workers’ compensation insurance company to offer a settlement. In fact, based on my experience, some injured workers are better off leaving their cases open. That being said, many cases do eventually resolve by “clincher” agreement. This means the insurance company offers a lump sum of money to an injured worker in return for a full and final settlement of their case. A clincher (or settlement agreement) typically closes the case in full, including all medical treatment and wage replacement benefits.

If you find yourself considering a settlement, BE CAREFUL! Before making any big decisions, there are two important issues you should examine.

Is it a good time to settle your case?

I’ve said it before and I’ll say it again: Every workers’ compensation case is different. Based on my opinion, however, for most cases, the best time to settle is after your major medical treatment has concluded. If the insurance company pushes you toward a settlement too quickly, they may be unable to reasonably evaluate the value of your case. This can result in lowball settlement offers, which typically do more harm than good.

Additionally, there are many other benefits you may or may not be receiving, which can adversely affect (or be adversely affected by) a workers’ compensation settlement. Social Security Disability benefits, Medicare, Medicaid, and even private disability/health insurance plans can cause complicated legal issues when it comes time to settle your workers’ compensation case. All of these issues must be carefully considered in order to determine whether settlement is a good idea, based on your particular set of circumstances.

What is the “value” of your case?

Once you decide it’s a good time to settle your case, there’s still another looming question that will need to be answered: How much?

My job as a workers’ compensation attorney would be a lot easier if there was a magic “settlement calculator,” but unfortunately, it doesn’t exist. In order to determine the reasonable value of your claim, an experienced professional will typically consider the following:

  • The cost of your future medical treatment
  • The likelihood that your injury will prevent you from returning to work in some capacity down the road
  • Any decreased earning potential resulting from your injury

Additionally, you may be entitled to an award for a permanent partial disability rating to your injured body part or parts. This is typically determined by your doctor. The calculation associated with this potential award is set by statute in North Carolina.

James Scott Farrin workers’ comp attorneys are trained to help you weigh the pros and cons of settling your case. If you decide to move forward with settlement, your attorney can then help you negotiate with the insurance company in order to try to maximize the amount you could potentially receive. Regardless of whether or not you decide to retain an attorney, when it comes to settling your workers’ compensation case, proceed with caution.

North Carolina Workers’ Comp Lawyers Offer FREE Case Evaluation

Workers’ comp is complicated to navigate. We urge you to consult with us if you have any questions whatsoever.

If you think you can't afford a workers’ comp lawyer, you may be surprised. Our attorneys work on a contingency fee basis to try to help our clients navigate the best course of action for their unique situation.

Feel free to contact us by clicking here or calling us toll free at 1-866-900-7078. We'll have an attorney evaluate your case for FREE.

Will I Be Denied Social Security Disability Benefits if I Work 1 Day a Week?

The government has a methodical five-step evaluation process to determine if you are eligible for Social Security Disability benefits. Social Security examiners must follow those five steps in sequential order every time someone walks in their office to find out if they qualify for benefits.

There’s no wiggle room.

We know from firsthand experience. Nearly everyone on our Social Security Disability team previously worked for the Social Security Administration. You must be able to proceed through the first three steps or all five steps in order to be found disabled.

However, if you fail the first step the inquiry ends altogether.

Step 1. Are You Working?

The first step is the one that trips up many people. It is at this step that the inquiry can end abruptly. Here is how this works.

Step 1 asks about your current work status. What many clients do not realize is the weight and importance the government gives to whether or not you are working. It is very telling that your work status is the first question rather than what disability or disabilities you claim to have.

Here is what the Social Security Administration says about work status as it relates to potential benefits:

“At the first step, we consider your work activity, if any. If you are doing substantial gainful activity, we will find that you are not disabled.”

What is Substantial Gainful Activity?

As you might imagine, the government has a very specific definition as to what substantial and gainful activity means with regard to your potential to receive disability benefits.

Substantial refers to anything you are doing physically or mentally, and can even include part time work or volunteer work.

Gainful is something you get paid to do. But even if you don’t get paid (such as volunteering or helping a friend or family member with their startup business by taping boxes to ship) the Social Security Administration may conclude your activity is gainful if other people usually get paid to do it.

In 2017, substantial gainful activity is defined as earning $1,170 or more monthly ($1,950 for those who are blind).

Someone Has to Put Food on the Table”

We will sometimes have clients come to us and say they are working only because it is necessary in order to put food on the table for their family. They explain to us how difficult it is for them because of XYZ disability and they are barely getting by. We understand and we empathize. But the government reasons, if you are able to put food on the table today, you can do it tomorrow and the next day. The Social Security Disability Benefits document makes this very clear:

“Social Security pays benefits to people who can’t work because they have a medical condition that’s expected to last at least one year or result in death. While some programs give money to people with partial disability or short-term disability, Social Security does not.”

FREE Social Security Disability Case Evaluation

When you are completely unable to work to put food on the table is when you should come see us. Unfortunately, the government ties the hands of all Social Security Disability lawyers unless you say you are not working during Step 1 questioning.

Everyone’s situation is unique and we have helped hundreds in their time of need. If you’d like a FREE case evaluation, contact us or call 1-866-900-7078. We would love to try to help in any way we can.

Contact Information

Raleigh Law Office

5848-100 Faringdon Place
Raleigh, NC 27609
Phone: 919-834-1184
Toll Free: 1-866-900-7078

Durham Law Office

280 South Mangum Street, Suite 400
Durham, NC 27701
Phone: 919-688-4991
Fax: 800-716-7881

Fayetteville Law Office

517 Owen Drive
Fayetteville, NC 28304
Phone: 910-488-0611
Toll Free: 1-866-900-7078

Charlotte Law Office

1001 Morehead Square Drive, Suite 350
Charlotte, NC 28203
Phone: 704-599-1078
Toll Free: 1-866-900-7078

New Bern Law Office

1505 South Glenburnie Rd, Unit P
New Bern, NC 28562
Phone: 252-634-9010
Toll Free: 1-866-780-3422

Greenville Law Office

702 G Cromwell Dr.
Greenville, NC 27858
Phone: 252-355-5205
Toll Free: 1-866-780-3227

Greensboro Law Office

300 N. Greene Street, Suite 850
Greensboro, North Carolina 27401
Phone: 336-665-7072
Toll Free: 1-866-900-7078

Goldsboro Law Office

214 South William Street, Suite 3
Goldsboro, NC 27530
Phone: (919)-731-2581
Toll Free: 1-866-900-7078

Henderson Law Office

514 Dabney Drive, Suite 200
Henderson, NC 27536
Phone: 252-492-4600
Toll Free: 1-866-900-7078

Roanoke Rapids Law Office

709 Julian R. Allsbrook Highway
Roanoke Rapids, NC 27870
Phone: 252-537-9670
Toll Free: 1-866-900-7078

Rocky Mount Law Office

3202 Sunset Avenue, Suite B
Rocky Mount, NC 27804
Phone: 252-937-4730
Toll Free: 1-866-900-7078

Sanford Law Office

703-B South Horner Boulevard
Sanford, NC 27330
Phone: 919-775-1564
Toll Free: 1-866-900-7078

Wilson Law Office

2315 Airport Blvd Suite A
Wilson, North Carolina 27896
Phone: 252-246-9090
Toll Free: 1-866-900-7078

Winston-Salem Law Office

301 N. Main Street, Suite 2409-C
Winston-Salem, NC 27101
Toll Free: 1-866-900-7078