Episode 136: Richard Culbertson: Back by Demand - 2nd Interview

Richard Culbertson is a highly experienced Social Security attorney with over 20 years of experience in the field, based in Daytona and Orlando, Florida. He is a skilled and dedicated advocate known for his compassionate approach and personalized attention to clients. Mr. Culbertson has helped clients with a wide range of Social Security issues, including disability benefits, retirement benefits, and survivor benefits. Mr. Culbertson graduated from the University of Florida Levin College of Law in 1999 and is a National Organization of Social Security Claimants' Representatives (NOSSCR) member. He is admitted to practice law in Florida before the United States District Court for the Middle District of Florida. In addition to his legal work, Mr. Culbertson is an active member of his local community, volunteering with non-profit organizations and serving on the board of directors. Key takeaways from this episode: Medical evidence is necessary for disability cases, so Culbertson established a separate agency to assist clients with health insurance coverage. The three main possibilities for health insurance coverage are Medicare, Medicaid, and the Affordable Care Act (ACA). Medicare is the gold standard and covers those 65 and older or those with Social Security Disability Insurance for 24 consecutive months. Medicaid is a welfare program for low-income individuals, but the choice of doctors is limited. The ACA offers coverage depending on the financial situation and eligibility criteria. Private insurance companies may have their requirements in the group policy, such as requiring a person to get Medicare, which could lead to issues with coverage and payments. Veterans may not have health insurance coverage through the VA, which could lead to problems with Medicare coverage. Coordination of benefits is essential, as it determines who pays first and who pays second and having multiple types of coverage can be beneficial in covering high medical expenses. Medicare has different parts, including Parts A and B