Welcome to We operate this website and provide services dedicated to helping the disabled determine all the income and medical benefits to which they are entitled. In addition we provide a special forum permitting members of the disability community to share their information and ideas with each other. Please be a participant and not just a spectator.

PLEASE READ THE FOLLOWING DISCLOSURES AND CONDITIONS as this document contains certain cautionary notices referred to as a “disclaimer”- as well as conditions of usage to which you agree and for which your agreement is required in order to browse and avail yourself of the content of this website. In order to take advantage of the legal assessment offered under ASK THE EXPERT another type of Notice and Disclaimer will be presented to you in that section of the website.

1) Disclosures

  1. Nothing contained on this website should be construed as legal advice or used as a substitute for legal advice without confirmation by a lawyer. YOU SHOULD NOT ACT OR RELY ON THE BASIS OF ANY INFORMATION ON THE WEBSITE WITHOUT SEEKING AND RETAINING THE ADVICE OF AN ATTORNEY.

  2. There is a STATUTE OF LIMITATIONS that applies to all compensation claims. In many instances it calls for immediate legal action or your claim for benefits may be lost. In other instances there may be no hurry - but you must determine what time frame exists for the filing of your claim. If the claim arises from the death of a spouse, the claim must be filed within 2 years of the death.

  3. The information on the website has been prepared with care and due diligence; however, IS NOT GUARANTEED to be correct, complete or up to date. Check it out for yourself via the contacts and links provided as well as your own investigation.

  4. The ASK THE EXPERT attorney assessment is based on New Jersey Workers' Compensation Law exclusively (and does not apply to any other state or federal jurisdiction). However, your state may have similar laws and benefits - so make the calls necessary to find out what your state law says about these “hidden benefits.”

  5. You agree that DisabilityDollarsandSense shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of and/or participation in the use of this site and the ASK THE EXPERT feature (including, without limitation, claims based on malpractice).

  6. DisabilityDollarsandSense reserves the right at any time (and/or ASK THE EXPERT) to modify or discontinue, temporarily or permanently, the site (or any part of it) with or without notice. Should such modification or discontinuance occur any and all information supplied by you either to ASK THE EXPERT or any other section of the website many be lost. You agree to keep a permanent record of all information provided to the website (and any section thereof) and you agree that all information submitted is at your sole risk.

  7. You agree that the website has no responsibility or liability for the deletion or failure to store any content information maintained or transmitted by the site including without limitation messages and other communications.

  8. You agree that the website will not be liable to you or to any third party for any modification, suspension or discontinuance of the services.

2) Conditions of Usage

By submitting information to, reading, participating or otherwise using the site you agree that you will abide by the following rules:

  1. This site may only be used in good faith and may not be used to transmit or otherwise make available any information that is false or that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under non-disclosure agreements), to threaten, abuse, harass or invade the rights of any person or entity, to infringe on any person or entity's intellectually property rights, or in any other way that could reasonably be deemed unethical, illegal or offensive.

  2. You agree not to misidentify yourself or impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity (e.g., pretend to be a different person or from a different company or organization).

  3. As to those sections of the website where you are permitted to post or "upload" video, audio and/or text content – unless you have our prior written consent, you will not post advertisements or promotional materials, solicit participants and/or visitors of the site, reproduce, duplicate, copy, sell, resell, or exploit for any commercial purposes, any portions of the site or its services, use of the site or its services, or access to the site or its services.

  4. You are prohibited from using (and hereby agree not to use) any type of computer "worm", "virus" or any other device that is intended or is likely to disrupt, overload or otherwise impair the workings of any part of the site. If you do engage in such conduct, the resulting damage will be hard to quantify as a dollar amount and thus you hereby agree to pay us liquidated damages in the amount of $5,000.00 for each day that the site is damaged until the site is completely repaired. This amount is derived by estimating the value of (1) the loss of goodwill caused by an inoperable site, (2) the time and money it will take to repair the site and to address the concerns of visitors. We are required to use reasonable efforts to repair the site as quickly as possible. This clause will not prohibit us from seeking additional compensation if your conduct injures us in a way not expressly contemplated herein.

  5. You are not permitted to collect or store personal data about other users.

  6. You are not permitted to access the site for the purpose of data mining or extracting content from this site beyond your personal end use.

  7. You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the site.

  8. You agree to not harm minors in any way.

  9. You shall not intentionally or unintentionally violate any applicable local, state, national or international law, including but not limited to regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law.

  10. In the event you submit information through the site, you agree to provide true, accurate, current and complete information and agree to promptly update the information to keep it true, accurate, current and complete. If you provide any information that is untrue and accurate, not current or incomplete and/or we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we have the right to suspend or terminate your participation in the site and/or refuse any and all current or future use of the site or its services (or any portion thereof).

  11. You understand and agree that all information, statistical data, text, software,
    music, sound, photographs, graphics, video, messages or other materials (content),
    whether publicly posted or privately transmitted by you and other users of our
    service, are the sole responsibility of the person from which such content
    originated. This means that you, and not us, are entirely responsible for all content
    that you upload, post, email or otherwise transmit via the site. We do not control
    all of the content posted via the site and, as such, do not guarantee the accuracy,
    integrity or quality of such content. You understand that by using the site, you may
    be exposed to content that is offensive, indecent or objectionable. Under no
    circumstances will we be liable in any way for any content including but not
    limited to for any errors or omissions in any content or for any loss or damage of
    any kind incurred as a result of the use of any content posted, emailed or otherwise transmitted via the site.

  12. You acknowledge that we may or may not pre-screen content, but that we and our
    designees shall have the right (but not the obligation) and our sole discretion to pre-
    screen, refuse, or move any content that is available via the site. Without limiting the
    foregoing, we and our designees shall have the right (but not the obligation) to remove
    any content that violates this agreement or is otherwise objectionable.

These Conditions of Usage are governed by the substantive laws of the State New Jersey, without respect to its conflict of laws principles. If any provision of these Conditions of Usage is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any of these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or any other term or condition. We may modify these Conditions of Usage, including our Privacy Policy, at any time and although we will generally try to provide at least 30 days advance notice of the effective date of any material modification, if we do not provide advance notice, the modification will take effect when we post the change on our Site. Accordingly, we urge you to check back frequently so that you are aware of the Terms and Conditions that apply to you. If you do not agree with any change to these Conditions of Usage you should discontinue your use of the Site and if you are a Member, cancel your registration.
Copyright Violations

It is the policy of DisabilityDollarsAndSense to terminate registration of any Member who repeatedly infringes the copyrights of others and to expeditiously remove or disable access to the alleged infringing material if we are given proper notice of the infringement or infringing conduct by the copyright owner. If you believe any materials, posted herein, infringes your copyright, you may request removal of those materials from our Site by contacting us at with notice of the following:

  1. Identification of the copyrighted work that you believe to be infringed. Please describe the work and where possible include a copy or the location (e.g., URL) of an authorized version.

  2. Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;

  3. Your name, address, telephone number and (if available) e-mail address

  4. A statement that you have a good faith belief that the use of the materials you notify us about is not authorized by the copyright owner, its agent or the law.

  5. A statement that the information that you have supplied is accurate and that "under penalty of perjury" you are the copyright owner or are authorized to act on the copyright owner's behalf.

  6. A signature or the electronic equivalent from the copyright holder or authorized representative.

These Conditions of Usage, our Privacy Policy and any other Terms or Conditions we notify you apply to you or any of your activities or status as a Member, constitute the entire agreement between you and DisabilityDollarsAndSense regarding the Site and supersedes any and all other terms, representations, promises or discussions.

Only DisabilityDollarsAndSense has the authority to agree to amendments to these Conditions of Usage, and to be and be considered binding, any amendments must be in writing and signed by the President of DisabilityDollarsAndSense. If any provision herein is or should become inconsistent with any present or future law, rule or regulation of any sovereign government or regulatory body having jurisdiction over the subject matter of these Conditions of Usage, such provision shall be deemed to be rescinded or modified in accordance with such law, rule or regulation. In all other respects, these Conditions of Usage shall continue to remain in full force and effect.



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