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    <title type="text">Gardberg &amp; Kemmerly, P.C. Attorneys at Law</title>
    <subtitle type="text">Gardberg &#38; Kemmerly, P.C. Attorneys at Law</subtitle>

    <updated>2026-07-03T09:32:55Z</updated>

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        <entry>
            <author>
									                    <name>On Behalf of Gardberg &amp; Kemmerly, P.C. Attorneys at Law</name>
				            </author>
            <title type="html"><![CDATA[What Is the Defense Base Act and who qualifies in Florida?]]></title>
            <link rel="alternate" type="text/html" href="https://www.gardberglaw.com/blog/2026/07/what-is-the-defense-base-act-and-who-qualifies-in-florida/" />
            <id>https://www.gardberglaw.com/?p=53132</id>
            <updated>2026-07-03T09:32:55Z</updated>
            <published>2026-07-03T09:23:54Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[If your job takes you overseas to support a United States government project, you may face risks that differ from those at home. A work related injury or illness could affect your health, your income and your family’s financial security. The Defense Base Act may provide benefits to certain civilian workers who get hurt or become ill while working outside…]]></summary>
			                <content type="html" xml:base="https://www.gardberglaw.com/blog/2026/07/what-is-the-defense-base-act-and-who-qualifies-in-florida/"><![CDATA[<span style="font-weight: 400;">If your job takes you overseas to support a United States government project, you may face risks that differ from those at home. A work related injury or illness could affect your health, your income and your family's financial security. The Defense Base Act may provide benefits to certain civilian workers who get hurt or become ill while working outside the United States. Learning how this law works may help you better understand your rights if something happens.</span>
<h2><span style="font-weight: 400;">What is the Defense Base</span> Act?</h2>
<span style="font-weight: 400;">The Defense Base Act is a federal law that provides workers' compensation benefits to many civilian employees who work on government related projects outside the United States. It often covers people who work under federal government contracts, including defense, construction and public works projects.</span>

<span style="font-weight: 400;">Depending on your situation, the law may cover injuries that happen while you work overseas. It may also cover illnesses that develop because of your job.</span>
<h2><span style="font-weight: 400;">Who may qualify for benefits?</span></h2>
<span style="font-weight: 400;">Your eligibility may depend on the work you do and the government contract connected to your job. The following workers may qualify for benefits:</span>
<ul>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Civilian employees who work on United States military bases outside the country</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Employees who work on construction or public works projects funded by the federal government</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Contractors and subcontractors who support military operations or other government projects overseas</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Employees who provide certain services connected to national defense activities abroad</span></li>
</ul>
<span style="font-weight: 400;">Your employer's location in Florida does not decide whether the Defense Base Act applies. Instead, your job duties and the government contract usually play a bigger role.</span>
<h2><span style="font-weight: 400;">What benefits could be available?</span></h2>
<span style="font-weight: 400;">If you qualify, the Defense Base Act may help cover some of the financial challenges that follow a work related injury or illness. You may receive benefits such as:</span>
<ul>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Medical care for a work related injury or illness</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Wage replacement if you cannot return to work right away</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Disability benefits for temporary or permanent injuries</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Survivor benefits for eligible family members after a work related death</span></li>
</ul>
<span style="font-weight: 400;">In addition, federal law may overlap with some Florida legal procedures. For example, this </span><a href="https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&amp;URL=0400-0499/0440/Sections/0440.185.html" target="_blank" rel="noopener noreferrer" data-wpel-link="external"><span style="font-weight: 400;">Florida law</span></a><span style="font-weight: 400;"> explains when workers should report workplace injuries under Florida's workers' compensation system. Although Defense Base Act claims follow federal rules, reporting your injury as soon as reasonably possible may help support your claim and reduce delays.</span>
<h2><span style="font-weight: 400;">Why do filing deadlines matter?</span></h2>
<span style="font-weight: 400;">The Defense Base Act sets deadlines for reporting injuries and filing claims. You generally must give your employer written notice of your injury within 30 days of the injury or the date you learned it was work related. In most cases, you have one year from either your injury date or your most recent compensation payment to submit a claim with the U.S. Department of Labor. Missing these deadlines could affect your ability to receive benefits, so keeping your medical and employment records organized may help support your claim.</span>
<h2><span style="font-weight: 400;">Protect your understanding of your rights</span></h2>
<span style="font-weight: 400;">A work related injury overseas can raise questions about your benefits and your legal rights. As you learn how the Defense Base Act applies to your job, your family and the claims process, you may feel more prepared to understand the </span><a href="https://www.gardberglaw.com/practice-areas/workers-compensation/" data-wpel-link="internal"><span style="font-weight: 400;">worker’s compensation and benefits</span></a><span style="font-weight: 400;"> that could be available under federal law.</span>]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Gardberg &amp; Kemmerly, P.C. Attorneys at Law</name>
				            </author>
            <title type="html"><![CDATA[Proving service connection: What evidence does the VA need?]]></title>
            <link rel="alternate" type="text/html" href="https://www.gardberglaw.com/blog/2026/04/proving-service-connection-what-evidence-does-the-va-need/" />
            <id>https://www.gardberglaw.com/?p=53120</id>
            <updated>2026-04-30T09:36:57Z</updated>
            <published>2026-04-30T09:36:57Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[If you served in the military and now live with a disability, you may qualify for VA compensation. Knowing what evidence the VA requires can help you build a stronger claim. What “service-connected” means The VA must officially decide your disability was caused or worsened by military service. A diagnosis alone is not enough. You must show evidence that ties…]]></summary>
			                <content type="html" xml:base="https://www.gardberglaw.com/blog/2026/04/proving-service-connection-what-evidence-does-the-va-need/"><![CDATA[<span style="font-weight: 400;">If you served in the military and now live with a disability, you may qualify for VA compensation. Knowing what evidence the VA requires can help you build a stronger claim.</span>
<h2><span style="font-weight: 400;">What "service-connected" means</span></h2>
<span style="font-weight: 400;">The VA must officially decide your disability was caused or worsened by military service. A diagnosis alone is not enough. You must show evidence that ties your condition to a specific event, injury or illness during your time in service.</span>
<h2><span style="font-weight: 400;">The three elements the VA requires</span></h2>
<span style="font-weight: 400;">Every service connection claim rests on three core requirements. You must show all three to move your case forward:</span>
<ul>
 	<li style="font-weight: 400;" aria-level="1"><b>Current diagnosis:</b><span style="font-weight: 400;"> A doctor must confirm you have the condition now.</span></li>
 	<li style="font-weight: 400;" aria-level="1"><b>In-service event:</b><span style="font-weight: 400;"> Records must show something occurred during service that caused or worsened your condition.</span></li>
 	<li style="font-weight: 400;" aria-level="1"><b>Medical nexus:</b><span style="font-weight: 400;"> A qualified provider must link the two with a formal opinion.</span></li>
</ul>
<span style="font-weight: 400;">The nexus opinion is often the hardest element to obtain. It must state your condition is "at least as likely as not" related to your service.</span>
<h2><span style="font-weight: 400;">Types of evidence that support your claim</span></h2>
<span style="font-weight: 400;">The VA accepts several forms of evidence beyond medical records. Strong submissions typically include:</span>
<ul>
 	<li style="font-weight: 400;" aria-level="1"><b>Service treatment records:</b><span style="font-weight: 400;"> Documents showing an injury, illness or exposure during active duty.</span></li>
 	<li style="font-weight: 400;" aria-level="1"><b>Lay statements:</b><span style="font-weight: 400;"> Written accounts from you, family members or fellow service members describing when symptoms started.</span></li>
 	<li style="font-weight: 400;" aria-level="1"><b>Buddy statements:</b><span style="font-weight: 400;"> Specific accounts from other veterans who witnessed your injury or condition.</span></li>
</ul>
<span style="font-weight: 400;">Each piece of evidence helps fill in the full picture of your service history and current health. No single document is always sufficient on its own.</span>
<h2><span style="font-weight: 400;">The benefit of the doubt rule</span></h2>
<span style="font-weight: 400;">If the evidence for and against your claim is roughly equal, the VA must rule in your favor under</span><a href="https://www.legional.org/uploads/4/2/1/3/42134979/alabama_laws_concerning_veterans.pdf" target="_blank" rel="noopener noreferrer" data-wpel-link="external"> <span style="font-weight: 400;">38 U.S.C. § 5107(b)</span></a><span style="font-weight: 400;">. Alabama veterans also receive additional protections under Ala. Code § 36-26-15, which adds 10 points to state employment exam scores for veterans with a service-connected disability. That standard gives you a real opportunity even when records are incomplete. </span>
<h2><span style="font-weight: 400;">Speak with an attorney about your claim</span></h2>
<span style="font-weight: 400;">Service connection claims involve detailed rules and specific deadlines. An attorney who handles veterans disability benefits can review your records and clarify </span><a href="https://www.gardberglaw.com/practice-areas/social-security-disability/" target="_blank" rel="noopener" data-wpel-link="internal"><span style="font-weight: 400;">which evidence matters most</span></a><span style="font-weight: 400;"> for your specific claim.</span>]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>by Ann  Rouse</name>
				            </author>
            <title type="html"><![CDATA[Resource and Income Limits for Supplemental Security Income]]></title>
            <link rel="alternate" type="text/html" href="https://www.gardberglaw.com/blog/2026/03/resource-and-income-limits-for-supplemental-security-income/" />
            <id>https://www.gardberglaw.com/?p=53108</id>
            <updated>2026-03-13T17:33:30Z</updated>
            <published>2026-03-13T17:33:30Z</published>
					<taxo:topics><![CDATA[SSI]]></taxo:topics>
            <summary type="html"><![CDATA[Supplemental Security Income or SSI is a federal income supplement designed to help the aged, blind, and disabled who have little to no income. SSI is different from Social Security Disability Insurance (SSDI) in that SSDI benefits are paid to Claimants who have worked long enough and paid Social Security taxes. SSI is not based on prior work. The medical…]]></summary>
			                <content type="html" xml:base="https://www.gardberglaw.com/blog/2026/03/resource-and-income-limits-for-supplemental-security-income/"><![CDATA[Supplemental Security Income or SSI is a federal income supplement designed to help the aged, blind, and disabled who have little to no income. SSI is different from Social Security Disability Insurance (SSDI) in that SSDI benefits are paid to Claimants who have worked long enough and paid Social Security taxes. SSI is not based on prior work. The medical standards for SSI and SSDI are the same. Disability for both SSDI and SSI is awarded when a person has a diagnosed physical or mental impairment that is severe and can be expected to last at least 12 months or result in death, and the person, because of the impairment, must not only be unable to do his/her previous work, but must also be unable to do any other type of substantial gainful activity.

However, in order to qualify for SSI, a person must have limited resources and limited income. The resource limit for SSI is $2,000 for an individual and $3,000 for a married couple. These resources do not include the home that the person lives, the land on which the house sits, household goods, burial spaces for your immediate family, burial funds valued at $1,500 or less, life insurance policies valued at $1,500 or less, and one vehicle regardless of its value. Social Security will also take into account living arrangements when assessing whether a person is qualified for SSI and the amount of the SSI benefit.

For more information on Supplemental Security Income, contact an experienced Social Security disability attorney at Gardberg &amp; Kemmerly, P.C. today at 251-343-1111 for a free case evaluation. Gardberg &amp; Kemmerly, P.C. represents Social Security disability claimants in Alabama, Mississippi, Florida, and Louisiana at all levels of the disability process from initial application to appeals to Federal Court.

&nbsp;

&nbsp;]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Gardberg &amp; Kemmerly, P.C. Attorneys at Law</name>
				            </author>
            <title type="html"><![CDATA[How medication may affect your VA disability claim?]]></title>
            <link rel="alternate" type="text/html" href="https://www.gardberglaw.com/blog/2026/02/how-medication-may-affect-your-va-disability-claim/" />
            <id>https://www.gardberglaw.com/?p=53103</id>
            <updated>2026-02-24T12:56:43Z</updated>
            <published>2026-02-24T12:43:27Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[You work hard to manage your health after military service. Medication often plays a big role in that effort. If you file a veterans disability claim, your treatment plan may also shape how the Department of Veterans Affairs (DVA) reviews your case. When you understand how this works, you may feel more prepared during the claims process. How do reviewers…]]></summary>
			                <content type="html" xml:base="https://www.gardberglaw.com/blog/2026/02/how-medication-may-affect-your-va-disability-claim/"><![CDATA[<span style="font-weight: 400;">You work hard to manage your health after military service. Medication often plays a big role in that effort. If you file a veterans disability claim, your treatment plan may also shape how the Department of Veterans Affairs (DVA) reviews your case. When you understand how this works, you may feel more prepared during the claims process.</span>
<h2><span style="font-weight: 400;">How do reviewers look at your medication history?</span></h2>
<span style="font-weight: 400;">When a VA rater reviews your file, that person often looks at your medical records, including your prescriptions. Your records can show how serious your condition is and how it affects your daily life.</span>

<span style="font-weight: 400;">If you take your medication as prescribed, it may suggest that you actively manage an ongoing health problem. On the other hand, long gaps in refills might raise questions. A reviewer could wonder if your symptoms improved or if you stopped treatment for another reason.</span>

<a href="https://www.law.cornell.edu/cfr/text/38/4.10" data-wpel-link="external" target="_blank" rel="noopener noreferrer"><span style="font-weight: 400;">Under federal law,</span></a><span style="font-weight: 400;"> the VA evaluates how your condition affects your ability to function in daily life. A 2026 amendment clarified that raters should consider your level of impairment while you take prescribed medication. Although the VA paused enforcement of that update in Feb. 2026, the rule remains under review. As a result, your current treatment plan may still carry weight in how a rater views your claim.</span>
<h2><span style="font-weight: 400;">What common medications veterans can use?</span></h2>
<span style="font-weight: 400;">If you receive care at VA facilities such as those in Birmingham or Tuskegee, your prescriptions likely form part of your official VA medical file. Many Alabama veterans take medication for:</span>
<ul>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Pain relief for back, knee or joint injuries</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Mental health conditions such as post traumatic stress disorder (PTSD) or depression</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Chronic illnesses such as diabetes, heart disease or nerve disorders</span></li>
</ul>
<span style="font-weight: 400;">Each prescription may help show that your condition requires ongoing care. That record can support your claim if it reflects consistent treatment and lasting symptoms.</span>
<h2><span style="font-weight: 400;">Why steady treatment may matter?</span></h2>
<span style="font-weight: 400;">Staying consistent with treatment may help show that your condition does not simply come and go. You might consider keeping track of:</span>
<ul>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Refill dates through </span><span style="font-weight: 400;">My</span><span style="font-weight: 400;"> HealtheVet or your pharmacy</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Side effects such as dizziness, nausea or fatigue</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Doctor visits where you discuss changes in dosage</span></li>
</ul>
<span style="font-weight: 400;">Side effects can matter. Even if medication reduces pain or stabilizes mood, it may also cause problems that affect your ability to work or handle daily tasks. When your records note those issues, a reviewer may gain a clearer picture of your limits.</span>
<h2><span style="font-weight: 400;">Showing your real daily challenges</span></h2>
<span style="font-weight: 400;">You may find it helpful to explain how you function both with and without medication. For example, you might still struggle with focus, stamina or mobility even when you follow your treatment plan. Clear and honest descriptions can help connect your medical records to your everyday experience.</span>
<h2><span style="font-weight: 400;">Key takeaways for Alabama veterans</span></h2>
<span style="font-weight: 400;">Medication can do more than treat symptoms; it can support your disability claim. Keeping a routine, noting side effects and keeping your healthcare team in the loop may help your </span><a href="https://www.gardberglaw.com/alabama-veterans-disability-benefits/" data-wpel-link="internal"><span style="font-weight: 400;">veterans disability claim</span></a><span style="font-weight: 400;"> reflect your true limitations. Showing that you actively manage your health may make it easier for evaluators to see the extent of your</span> disability.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>by Lewis  Carter</name>
				            </author>
            <title type="html"><![CDATA[2026 VA Healthcare Copays: What Veterans Need to Know]]></title>
            <link rel="alternate" type="text/html" href="https://www.gardberglaw.com/blog/2026/02/2026-va-healthcare-copays-what-veterans-need-to-know/" />
            <id>https://www.gardberglaw.com/?p=53101</id>
            <updated>2026-02-13T17:48:50Z</updated>
            <published>2026-02-13T17:48:50Z</published>
					<taxo:topics><![CDATA[Veterans&#8217; Issues]]></taxo:topics>
            <summary type="html"><![CDATA[Beginning January 1, 2026, VA’s updated health care copay rates apply across multiple categories of VA and VA-authorized care, including urgent care, outpatient visits, inpatient admissions, and certain prescription medications. Whether a Veteran owes a copay and the amount of the copay continues to turn on the same governing eligibility factors: the Veteran’s VA priority group, whether the episode of…]]></summary>
			                <content type="html" xml:base="https://www.gardberglaw.com/blog/2026/02/2026-va-healthcare-copays-what-veterans-need-to-know/"><![CDATA[Beginning January 1, 2026, VA’s updated health care copay rates apply across multiple categories of VA and VA-authorized care, including urgent care, outpatient visits, inpatient admissions, and certain prescription medications. Whether a Veteran owes a copay and the amount of the copay continues to turn on the same governing eligibility factors: the Veteran’s VA priority group, whether the episode of care is treated as service-connected, and whether an exemption applies based on disability rating, income, or other special eligibility authorities. As a practical matter, the first compliance step is confirming that VA has the correct service-connected rating on file and that the care is coded properly; Veterans rated 10% or higher generally do not pay VA copays for outpatient or inpatient care, and many billing disputes stem from misclassification rather than true ineligibility. Where copays do apply, VA’s structure is typically fixed-dollar by category, which can aid predictability once the applicable rules are identified.

For urgent care in 2026, it is helpful to separate eligibility to use the benefit from the billing rules that determine whether a copay will be assessed. VA’s urgent care benefit (including participating community urgent care clinics) generally requires enrollment in VA health care and receipt of VA care within the prior 24 months, and Veterans typically should not expect to pay at the point of service; if a copay applies, VA generally bills after the visit. Copays then depend largely on priority group and annual visit count: Veterans in priority groups 1 through 5 pay $0 for the first three urgent care visits in a calendar year and $30 per visit thereafter; Veterans in priority groups 7 and 8 generally pay $30 per urgent care visit; and priority group 6 can be more nuanced, with certain visits tied to special eligibility authority conditions potentially treated as $0 for the first three visits while other urgent care visits may be billed at $30.

For outpatient care, the 2026 structure is generally $15 for primary care visits and $50 for specialty care visits and certain specialty tests, including advanced imaging such as MRI or CT, while VA continues to identify “no copay” outpatient categories such as x-rays, routine laboratory work, and preventive services including screenings and immunizations; VA also indicates that urgent care obtained solely for a flu shot is not subject to a copay regardless of priority group.

For inpatient care (hospital stays), the 2026 rules again center on exemptions and priority group, with Veterans rated 10% or higher generally not owing inpatient copays, while priority groups 7 and 8 are assessed under a per-stay-period framework within a 365-day period. In 2026, priority group 7 inpatient copays are $347.20 plus $2 per day for the first 90 days, then $173.60 plus $2 per day for each additional 90-day period, and priority group 8 inpatient copays are $1,736 plus $10 per day for the first 90 days, then $868 plus $10 per day for each additional 90-day period; VA also notes that some Veterans may qualify for reduced inpatient copay rates in certain high-cost geographic areas. Prescription copays are often the most recurring expense: priority group 1 Veterans do not pay medication copays, while many Veterans in priority groups 2 through 8 may owe copays for medications prescribed for non-service-connected conditions and certain over-the-counter medications dispensed by a VA pharmacy, using a tiered schedule by days’ supply in 2026 (tier 1 preferred generic at $5/$10/$15 for 30/60/90 days; tier 2 at $8/$16/$24; and tier 3 brand name at $11/$22/$33). VA also maintains an annual medication copay cap of $700 per calendar year, so the practical risk-management approach is to verify priority group and service-connected status, keep income information current if it could affect eligibility, track urgent care visits and prescription copays for budgeting, and promptly contest charges that appear inconsistent with the Veteran’s recorded exemption status or the coding of the care provided.

As VA law and policy continue to evolve, Gardberg &amp; Kemmerly remains committed to monitoring developments that may affect Veterans’ benefits and to advocating for those who have served. If you need help with a disability claim, whether you are filing an initial application, appealing a denial, or pursuing an increased rating, our experienced Veterans Disability Attorneys can guide you through each step of the process. We focus on helping clients pursue the full benefits they have earned through their service, and we take the time to understand each client’s medical history, service record, and family circumstances so we can present the strongest possible case. To schedule a free consultation, call 251-343-1111 or toll-free at 1-800-332-1529. From our office in Mobile, Alabama, we are honored to serve Veterans and their families.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>by Ann  Rouse</name>
				            </author>
            <title type="html"><![CDATA[Representative Payees for Social Security Disability Claimants]]></title>
            <link rel="alternate" type="text/html" href="https://www.gardberglaw.com/blog/2026/01/representative-payees-for-social-security-disability-claimants/" />
            <id>https://www.gardberglaw.com/?p=53100</id>
            <updated>2026-01-23T22:07:48Z</updated>
            <published>2026-01-23T22:07:48Z</published>
					<taxo:topics><![CDATA[Social Security Disability]]></taxo:topics>
            <summary type="html"><![CDATA[In some cases, Social Security may assign a representative payee to help claimants manage their benefits when Social Security determines that the individual would be unable to do so by themselves.  Social Security usually selects a representative payee from someone that knows the Claimant and the needs of the Claimant. Social Security will also consider the request of the Claimant…]]></summary>
			                <content type="html" xml:base="https://www.gardberglaw.com/blog/2026/01/representative-payees-for-social-security-disability-claimants/"><![CDATA[In some cases, Social Security may assign a representative payee to help claimants manage their benefits when Social Security determines that the individual would be unable to do so by themselves.  Social Security usually selects a representative payee from someone that knows the Claimant and the needs of the Claimant. Social Security will also consider the request of the Claimant when assigning a representative payee.

The following individuals must have representative payees: children under the age of 18, legally incompetent adults, and anyone Social Security determines would be incapable of managing or directing the management of his or her funds. A representative payee can be any of the following: 1) a parent, spouse, relative, guardian, or friend, 2) an institution such as a nursing home or health care provider, 3) a public or nonprofit agency, social service agency, or financial organization, 4) providers or administrative officers at homeless shelters, or 5) a community based non-profit agency that has been approved by Social Security to charge a fee for its service as payee.

Representative payees are tasked with using a claimant’s benefits in the claimant’s best interest. Benefits must first be used for basic needs such as food, clothing, housing, medical care, and personal comfort items. Representative payees must then save any money that is left. Representative payees are required to complete an accounting report detailing how the benefits were spent and any money that was saved. Representative payees are also required to report any changes in the claimant’s circumstances such as address, income, living arrangements, or work activity.

For more information on representative payees, contact an experienced Social Security disability attorney at Gardberg &amp; Kemmerly, P.C. today at 251-343-1111 for a free case evaluation. Gardberg &amp; Kemmerly, P.C. represents Social Security disability claimants in Alabama, Mississippi, Florida, and Louisiana at all levels of the disability process from initial application to appeals to Federal Court.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>by Noell Espaillat</name>
				            </author>
            <title type="html"><![CDATA[Good News for Now on Mega Regs Halt]]></title>
            <link rel="alternate" type="text/html" href="https://www.gardberglaw.com/blog/2026/01/good-news-for-now-on-mega-regs-halt/" />
            <id>https://www.gardberglaw.com/?p=53099</id>
            <updated>2026-01-09T16:10:12Z</updated>
            <published>2026-01-09T16:10:12Z</published>
					<taxo:topics><![CDATA[Social Security Disability]]></taxo:topics>
            <summary type="html"><![CDATA[The Social Security Administration had issued plans to the disability process which would have hindered Social Security benefits to millions of Americans under “The Mega Reg.” In November of 2025, Social Security announced it had abandoned plans to block thousands of older Americans from qualifying for disability benefits after an uproar that reached senior officials in the Trump White House,…]]></summary>
			                <content type="html" xml:base="https://www.gardberglaw.com/blog/2026/01/good-news-for-now-on-mega-regs-halt/"><![CDATA[The Social Security Administration had issued plans to the disability process which would have hindered Social Security benefits to millions of Americans under “The Mega Reg.” In November of 2025, Social Security announced it had abandoned plans to block thousands of older Americans from qualifying for disability benefits after an uproar that reached senior officials in the Trump White House, according to people familiar with the decision.

The agency is also halting a plan to use modern labor market data to help judges decide whether disability claimants can work. This has been a long-standing project that has cost the federal government more than $350 million. The new data would have replaced the Dictionary of Occupational Titles, which is an outdated jobs database that until recently included obsolete occupations.

This is good news for Americans filing for disability as the plan would have removed or limited the consideration of a person’s age when determining their ability to work. Many advocacy groups and senior officials increased their response and pressure on the Administration to halt these projects as six million people were newly awarded Social Security benefits in 2024.

If you are looking at filing a claim for Social Security disability, contact Gardberg and Kemmerly. We are  committed to helping the injured and disabled for over thirty years. If you need help with a disability claim, call the office at 343-1111 for a free consultation.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Gardberg &amp; Kemmerly, P.C. Attorneys at Law</name>
				            </author>
            <title type="html"><![CDATA[How to gather medical evidence for your disability claim]]></title>
            <link rel="alternate" type="text/html" href="https://www.gardberglaw.com/blog/2025/12/how-to-gather-medical-evidence-for-your-disability-claim-2/" />
            <id>https://www.gardberglaw.com/?p=53098</id>
            <updated>2025-12-29T08:22:31Z</updated>
            <published>2025-12-29T08:22:31Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[Winning an Alabama disability claim requires solid proof. You must prove your condition prevents you from working a full-time job. Social Security officials scrutinize every page of your medical history so you should start your collection process early to strengthen your case. Regular Medical Appointments  Visit your doctor consistently for every symptom you experience. Long gaps between visits suggest your…]]></summary>
			                <content type="html" xml:base="https://www.gardberglaw.com/blog/2025/12/how-to-gather-medical-evidence-for-your-disability-claim-2/"><![CDATA[<span style="font-weight: 400;">Winning an Alabama disability claim requires solid proof. You must prove your condition prevents you from working a full-time job. Social Security officials scrutinize every page of your medical history so you should start your collection process early to strengthen your case.</span>
<h2><span style="font-weight: 400;">Regular Medical Appointments </span></h2>
<span style="font-weight: 400;">Visit your doctor consistently for every symptom you experience. Long gaps between visits suggest your health problems do not limit your life. These records create a reliable timeline for the state examiners and your clinical history may serve as the main engine for your claim.</span>
<h2><span style="font-weight: 400;">Objective Test Results </span></h2>
<span style="font-weight: 400;">Collect copies of every MRI, X-ray and CT scan. These tests provide clear evidence that your pain has a physical cause. Examiners often ignore claims that lack these scientific findings. Always ask your provider for a personal copy of every imaging report.</span>
<h2><span style="font-weight: 400;">Functional Capacity Forms </span></h2>
<span style="font-weight: 400;">Ask your physician to write a detailed statement about your physical limits. This form explains how long you can stand, sit or walk. It describes your ability to lift weight or use your hands. These specific details help the judge understand your daily struggle.</span>
<h2><span style="font-weight: 400;">Current Medication Lists </span></h2>
<span style="font-weight: 400;">Keep an updated list of all your prescriptions and their side effects. Alabama judges look at how your treatment affects your focus and energy levels. Dizziness or fatigue from pills can further limit your work options. Clear pharmacy records show you follow your doctor’s orders.</span>
<h2><span style="font-weight: 400;">Understanding the system</span></h2>
<span style="font-weight: 400;">The<a href="https://www.ssa.gov/disability" data-wpel-link="external" target="_blank" rel="noopener noreferrer"> disability process</a> often feels overwhelming and confusing. A skilled attorney understands local court rules and can help you <a href="https://www.gardberglaw.com/practice-areas/social-security-disability/" data-wpel-link="internal">avoid common filing errors</a>. They can advocate for your rights and ensure you meet every deadline to claim these benefits. With the proper legal guidance, you can take control of your future and increase your chances of approval.</span>

&nbsp;]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>by Lewis  Carter</name>
				            </author>
            <title type="html"><![CDATA[One Year To Request a VA Overpayment Waiver: What Veterans Need to Know About the New Rule]]></title>
            <link rel="alternate" type="text/html" href="https://www.gardberglaw.com/blog/2025/12/one-year-to-request-a-va-overpayment-waiver-what-veterans-need-to-know-about-the-new-rule/" />
            <id>https://www.gardberglaw.com/?p=53097</id>
            <updated>2025-12-23T14:22:14Z</updated>
            <published>2025-12-23T14:22:14Z</published>
					<taxo:topics><![CDATA[Veterans Disability Benefits, Veterans&#8217; Issues]]></taxo:topics>
            <summary type="html"><![CDATA[On November 26, 2025, the Department of Veterans Affairs published a final rule that expands the filing window to request a waiver of many VA benefits overpayment debts. In plain terms, VA revised 38 C.F.R. § 1.963 (the waiver rule for debts “other than loan guaranty”) so that, for covered notices of indebtedness, the deadline to seek a waiver is…]]></summary>
			                <content type="html" xml:base="https://www.gardberglaw.com/blog/2025/12/one-year-to-request-a-va-overpayment-waiver-what-veterans-need-to-know-about-the-new-rule/"><![CDATA[On November 26, 2025, the Department of Veterans Affairs published a final rule that expands the filing window to request a waiver of many VA benefits overpayment debts. In plain terms, VA revised 38 C.F.R. § 1.963 (the waiver rule for debts “other than loan guaranty”) so that, for covered notices of indebtedness, the deadline to seek a waiver is one year rather than 180 days. VA explained that this update implements a statutory change mandated by the Cleland Dole Act and is intended to reduce pressure on Veterans by easing the compliance burden associated with tight waiver deadlines. The rule’s stated effective date is January 26, 2026, reflecting the timing requirements that apply to major rules. VA also clarified technical points about how the new one-year framework interacts with older regulatory language, including removal of an obsolete two-year provision tied to very old notice dates.

For Veterans, it is critical to distinguish a waiver from a dispute. A waiver request does not argue that VA miscalculated the debt; it asks VA to forgive collection of an established debt because recovery would be “against equity and good conscience,” assuming there is no fraud, misrepresentation, or bad faith. Under the revised regulation, a waiver request “shall only be considered” if filed within one year of the date of the notice of indebtedness, and the rule continues to recognize that mail delays happen. If you can substantiate that receipt of the notice was delayed due to VA or postal error, or other circumstances beyond your control, VA can calculate the one-year period from the date you actually received the notice rather than the date on the letter. For many Veterans, that additional time is meaningful because a well-supported waiver request often requires records, a clear narrative explaining why collection would be unjust, and documentation of financial hardship or reliance on the payments.

If you receive a VA debt letter, treat it as time-sensitive even with the expanded one-year deadline. Offsets or other collection actions can start while issues are being sorted out, so earlier action is usually safer than waiting until the last month. Begin by reading the notice carefully, keeping the envelope and all pages, and writing down the date you actually received it. Next, decide which remedy (or combination of remedies) fits your situation. If the debt is wrong, you may need to dispute the validity or amount of the debt and, where appropriate, challenge the underlying benefits action that created it. If the debt is accurate but collection would be unfair or would cause hardship, a waiver may be the right path; VA also recognizes repayment plans and other relief options depending on the type of debt.

In preparing a waiver request, focus on clarity and credibility: explain how the overpayment arose, whether you promptly notified VA of changes, how you relied on the payments, and what collection would do to your household finances. Finally, consider getting help from an accredited representative (VSO, accredited agent, or accredited attorney) so your request is complete, timely, and aligned with the “equity and good conscience” factors VA applies. The new one-year window is a genuine procedural improvement, but it is not automatic relief; it is an opportunity to present your best case before the waiver deadline closes.

As VA law and policy continue to evolve, Gardberg &amp; Kemmerly is committed to staying current on developments that may impact Veterans’ benefits and to advocating for those who have served. If you need assistance with a disability claim, whether you are filing an initial application, appealing a denial, or seeking an increased rating, our experienced Veterans’ Disability attorneys are prepared to guide you through each stage of the process. We focus on securing the full benefits you have earned through your service, and we take the time to understand each client’s medical history, service record, and family circumstances in order to present the strongest possible case. For a free consultation, please contact us at 251-343-1111 or toll-free at 1-800-332-1529. From our office in Mobile, Alabama, we are honored to serve Veterans and their families and to remain a trusted partner in pursuing long-term financial security and stability.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>by Lewis  Carter</name>
				            </author>
            <title type="html"><![CDATA[CHAMPVA Decisions Now Take Days, Not Months]]></title>
            <link rel="alternate" type="text/html" href="https://www.gardberglaw.com/blog/2025/12/champva-decisions-now-take-days-not-months/" />
            <id>https://www.gardberglaw.com/?p=53096</id>
            <updated>2025-12-09T17:01:13Z</updated>
            <published>2025-12-09T17:01:13Z</published>
					<taxo:topics><![CDATA[Veterans&#8217; Issues]]></taxo:topics>
            <summary type="html"><![CDATA[In late November 2025, the Department of Veterans Affairs reported that it brought the CHAMPVA application backlog down to zero meaning eligible families should see decisions arrive in days instead of months. For context, CHAMPVA is VA-administered health coverage for qualifying spouses, dependents, survivors, and certain caregivers of Veterans. The program already serves more than 900,000 people. Earlier this year,…]]></summary>
			                <content type="html" xml:base="https://www.gardberglaw.com/blog/2025/12/champva-decisions-now-take-days-not-months/"><![CDATA[In late November 2025, the Department of Veterans Affairs reported that it brought the CHAMPVA application backlog down to zero meaning eligible families should see decisions arrive in days instead of months. For context, CHAMPVA is VA-administered health coverage for qualifying spouses, dependents, survivors, and certain caregivers of Veterans. The program already serves more than 900,000 people. Earlier this year, the pending pile had exceeded 70,000 applications with some families waiting more than 150 days for the VA to address their application. The department now says that as of October the backlog is cleared and new applications are being processed within a handful of days while the intake pace sits at roughly 4,000 submissions per week and the system can process even more than it receives. For Veterans who carry the added stress of coordinating care for loved ones at home, those numbers translate into fewer gaps in medications, faster specialist scheduling for a spouse or child, and less uncertainty when a clinic asks for proof of coverage at check-in.

What changes most for Veteran households is predictability. When eligibility is confirmed quickly, families can move forward with planned procedures, refill routines, and therapy starts without juggling temporary payment plans or risking delayed follow-ups. Clinics can verify coverage during intake rather than bouncing bills back months later which reduces surprise statements and repetitive prior-authorization calls. VA attributes the turnaround to overtime for application processors alongside process engineering and automation that keep throughput above weekly receipts. It also reports progress on appeals, noting that a queue of more than 20,000 CHAMPVA appeals has been cut to about 1,000 with further reductions expected. The department says it will complete a shift to a more automated application system in December. The VA has also stated that more than 90 percent of medical services and pharmacy claims are already processed electronically within days which should prevent a potential backlog in 2026.

Gardberg &amp; Kemmerly remains ready to stand with America’s Veterans and keep pace with every change in VA policy. If you have a disability claim and need assistance, our seasoned Veterans’ Disability attorneys are here to help. We are dedicated to assisting injured and disabled Veterans in securing the benefits they rightfully deserve. For personalized support with your disability claim, do not hesitate to contact us at 251-343-1111 or toll-free at 1-800-332-1529 for a free consultation. We are honored to serve Veterans from our office in Mobile, Alabama.]]></content>
						        </entry>
	</feed>