Trey Mills Retiring at 36

 It is with great excitement and a heavy heart that I share my plans to leave the Trammell & Mills Law Firm, LLC at the end of this month!  I appreciate the opportunity Ernie Trammell provided to this young law graduate eight (8) years ago with nothing but fire in his eyes and hatred in his heart for insurance companies.  I never thought I would live to the age of 30 so now as I turn 36 at the end of this month, I realize life is too short to continue to work every day doing work I feel God called me to do. No, I think now is the time to live off my wife's new profession of being a nurse anesthetist. The earning potential for my wife's new profession seems to be very high and I am sure she will be excited with my decision once I talk it over with her.

My wife and I don't have children yet, so I am looking forward to taking care of our two aging dogs every day, taking long walks both in downtown Greenville to oversee and provide free supervision to many of the on going construction projects and in our Lake Keowee subdivision where I know I will be welcomed with open arms by our neighbors. I may even be able to get  a Home Owners Association position or volunteer with other seniors like me. 

I am not sure I will be able to draw off of my 401K yet. I don't really fear the 10% penalty they may impose if I ask for it prior to their ridiculously mandated 65 year old rule. Who the hell wants to work that long! Plus, 10% of "not a lot" is a lot less than "not a lot".

For income, I guess I could apply for disability. My disability being that I can't fathom how the government did nothing to support my working so hard and being successful only to take my hard earned money from me. To add insult to injury, after the government takes my hard earned money they then turn around and spit on me by bailing out Wall Street ballers, fail to provide the home front with necessities before spending billions of dollars on other countries and wars, and constantly bicker with each other about what this country needs while sticking their heads in the sand after hearing themselves talk. There would be other reasons for my "disability". Those reasons would be dealing with insurance adjusters, defense attorneys, roster meetings, Roy Trammell, and how our law firm can spend so much money on overhead. 

Oh, no. My nerves are all tore up now and my body feels all "stove up". Too much stress just thinking about it all. Ahhhh but in only a few short weeks, I will be able to leave it all behind to live the life of leisure watching all those early morning lawyer commercials, "The Price is Right", one of those soap operas my grandmother use to make my grandfather and I watch when we came home for our hour break from his job as a mechanic ("As the World Turns" I think)-I was shop boy, and then I can try to grow sustainable crops on our 1/4 of an acre of asphalt. 

In the immortal words of "The Allman Brothers Band"...

Happy April Fool's Day!

 

 

 

Millions of Dollars Missing in Anderson, Oconee & Pickens Counties

People throughout Anderson, Oconee, & Pickens Counties are missing their money.  In fact, they’re missing millions.  For many, it’s a few thousand dollars…but for some, it’s a whole lot more.  And many of these victims don’t even realize their own money is gone.

How is this possible?  Money that is rightfully theirs—owed to them for any number of legitimate reasons—simply isn’t paid.  It happens every day, because no one stands up for the people who need it most.  In a lot of cases, it’s pure greed on the part of an employer or an insurance company

Every day, workers suffer injuries at on the job.  They are legally entitled to be paid because of those injuries, but insurance companies deny claims without even blinking.  Others have valid Social Security claims that are routinely dismissed.  And folks get hurt daily in car wrecks, slip and fall cases, and dog bite cases only to be told the insurance company won’t pay.

These people are legally entitled to collect money, but can’t do it on their own.  They don’t know how to fight the system, so they give up.  The Trammell & Mills Law Firm, LLC steps forward to help these victims, with great success.  Ernest Trammell, Trey Mills, Bradley Bledsoe and Roy Trammell have the compassion and experience to truly help.

In a lot of cases, insurance companies use complex legal language to deny claims.  The professionals at Trammell & Mills translate the legal talk into words anyone can understand.  They take the mystery out of legal documents, so people can make the right decisions.

The attorneys of Trammell & Mills are dedicated to helping the people who need it most.  And they believe in giving back to the Anderson community.  They actively support local groups like the Anderson Free Clinic,  Boy Scouts, Cancer Association of Anderson, Coaches 4 Character,  Miracle Hill Ministries, Tackling the Streets, The Leukemia & Lymphoma SocietyThe Red Cross, and YMCA.  They serve at church, on IPTAY and on bank boards.  They’re caring neighbors.

They believe in doing the right thing.  And that means standing up to the nameless, faceless insurance companies who make heartless decisions without thinking.  They help the people of Anderson County get the money they’re missing.  Learn how The Trammell & Mills Law Firm LLC can help you at www.trammellandmills.com or contact us at 864-231-7171. 

 

South Carolina Lawyers in the Golden Corner of South Carolina

If you haven't seen our billboards yet, be on the look out for these four guys with Trammell & Mills Law Firm, LLC. We may be blanketing the Golden Corner of South Carolina but only in an effort to keep you informed and educated on how to battle against those evil insurance companies and corporate entities trying to minimize your settlement or verdict.

If you have been involved in a motor vehicle collision, interstate trucking accident, slip and fall, dog bite incident, product liability claim, injured at work, and/or totally disabled and turned down by the Social Security Administration, you may need to contact us or learn more about your legal rights.

We look forward to helping you. Ask around, I am sure you will find someone we have helped.

When You Fall Head Over Heels, Call Trammell & Mills

We can't help you when you fall in love, or out of love, but we can help you.  What we do involves holding other individuals and companies responsible for their negligence, ignorance, or omissions that caused you harm. Yes, that really means the insurance company hiding behind the people and companies that pay for just that type of incident.  Those negligent, ignorant, or forgetful people and companies often have little to do with the decisions that make you whole again. A wide array of real world examples and some of the most common types of cases are below:

  • injured while working and not really getting straight answers from your employer or HR person;
  • another driver not paying attention and rammed their 3,000 pound hunk of metal into your only means of transportation. Now you can't move your neck or get to work;
  • a tractor trailer driver on interstate 85 nearly kill you when they were switching lanes while texting;
  • neighbor's dog get loose again and bite your child, leaving permanent scars and an infected wound;
  • finally realize you are in need of Social Security benefits and got denied;
  • can't believe a manufacturer would sell a product so dangerous;
  • slip, trip, or fall on someone's property that knew there was a problem where you fell;
  • get jumped on, beat up, called dirty names, and held without your permission until a large retailer realized you actually paid your bill.  Oops, they made a mistake;
  • something not true being written and/or said about you to others;
  • have to lay your motorcycle down because another driver didn't see you.

Those are just the top ten or more scenarios that have come into the office in the past couple months. I am sure there are more but I think you get the point. Enjoy your Valentine's Day and hopefully you never need us. HOWEVER, if you ever do, or know someone that does, just tell them to call us or visit our website.

 

Social Security Disability: Go Away, Give Up, or Get Help

            First of all, Social Security disability is a crazy, frustrating, mostly broken system which will confound you at every turn and make you curse, if you are that type of person, as most of us are or will be by the time we get through dealing with Social Security.  Several years ago when the Trammell Law Firm attorneys were asked to come up with TV commercial scripts for our areas of practice, I entitled my script about Social Security “It’s A Nightmare”, and it was then and it still is now, and it most likely always will be a nightmare.

            For example, most of the time when people come to see me about their disability claim, it’s right after they get their first turn-down letter saying that they are NOT DISABLED.  One of the most important things for you to know is that getting that turn-down letter most often means absolutely NOTHING about the strength of your disability claim and whether you will ultimately be successful.  I would conservatively estimate that 99.9% of EVERYONE who applies for disability gets turned down at least once, and most often for a second time as well. For a long time after I first started practicing Social Security disability law many years ago, I tried and tried to come up with some reasonable way of explaining to my clients, who were understandably upset, why they got turned down.  But you know what?  There is NO REASON, except that Social Security wants you to give up and go away.  That is a terrible thing to say, but I believe it is the only way to explain all these constant turn-downs for everyone, even people whose medical records show that they are obviously sick or injured and cannot work.

            So, the lesson to be learned is: DON’T GIVE UP!  You have to keep fighting Social Security by appealing every time you get turned down until you finally get your day in Court before a Judge.  Except in very, very rare cases, only when you get your Social Security Disability Hearing with a Judge will you finally get a fair and honest review of your claim.  When you get a letter from Social Security turning you down for disability, it will state very clearly that you have 60 DAYS TO APPEAL the denial decision.  Pay attention to the date on the front of the letter, and DO NOT LET THAT 60 DAYS RUN OUT BEFORE YOU FILE YOUR APPEAL!  If you let the 60 days run out, and you do not appeal, Social Security will most always make you start all over again with a new claim, and if you have to start over, you might ultimately lose some money if you win your case.

            OK, then, that’s all for today, and thanks for reading my first official blog.  Sorry about all those capital letters, but every time I think about what Social Security disability does to my clients for no reason, it makes me mad all over again, so thanks for letting me vent.  My plan is to try and talk about some more of the Social Security disability nightmares from time to time, so be on the lookout for future posts.

 

 

 

Hello everybody.  I’m Brad Bledsoe and I am the Social Security disability lawyer here at Trammell Law Firm.  Trey has invited me to contribute to his “blog” by “blogging”. I don’t really know what that means because I’m old and not up on all these technological things like Trey and the other youngsters.  My paralegal’s 4-year-old was nice enough to show me (more than once) how to take a picture with my new iphone, as an example.  (Between you and me, the word “blogging” reminds me of the sound a cat makes before it coughs up a hairball, but what do I know?)  Anyhow, Trey says it means to write something about Social Security disability which might be of interest to people who want to know some things about how it works – or doesn’t.

 

Insurance Companies Don't Care About You: They Care About Your Premiums

In my article, "How Do Insurance Companies Make Money?", I go over Profit = earned premium + investment income - incurred loss - underwriting expenses.  However, it is not my intention to be that technical this time around. 

Insurance companies have many different layers, or divisions, but you as the client, or insured, interact with insurance companies on only 1-2 levels:

  1. Insurance Agent -sells varying forms of the insurance, or service.
  2. Insurance Adjuster - protects the insurance company from losing money on the service for which you paid for the insurance company to provide to you by way of a premium and insurance contract (policy). Adjusters minimize the "incurred loss" in the above equation.

As to the Insurance Agent:

It has been my experience that these professionals provide you with information on the varying types of insurance-- property, casualty, life, health, and disability. They should review the different policies they have available and the coverages which those policies provide, along with the price.  However, they are not usually legally oriented or familiar with the "back door" aspect of what they are selling.  Meaning, they are doing exactly what they are suppose to be doing, "selling insurance".  Your insurance agent will most likely refer you to the nearest consolidated insurance claims center if you were to need the service you paid for by way of an insurance claim

For example: if you were injured in an automobile wreck, lost your shingles when a storm came through, and/or the property or person you bought insurance on was damaged/injured in anyway.  Your insurance agent does not usually handle that, they refer you to a claim center with insurance adjusters. If your insurance agent is kind enough to assist you with the insurance claim procedure they still have no authority, or impact, in how the claim is resolved.

As to the Insurance Adjuster:

They are usually not in the same state as you.  If they provide you any information about your legal rights please ask them if you can record the conversation or get everything they just "counseled" you on in writing.  Insurance adjusters have not passed any state Bar requirements to be lawyers and/or offer legal advice. They work for the insurance company that makes money when it brings in more premiums that are paid by their clients than it pays out in insurance claims.  Their interest are not aligned with your interest as they are evaluated on ensuring that insurance claim payouts are minimized.

Read-One of the factors that an insurance adjuster is evaluated on for their job and them keeping it is to offer you the least amount of money possible for your injuries and/or property so that their employer, the insurance company, maximizes its profit.

Common Misconceptions I hear all the time in my office:

  • I thought they would do the right thing; (Why would you think that? Again, your insurance agent may be the kindest person in the world but that is not who you are dealing with.)
  • I have never had a problem with my insurance company the 20 years that I have had them; (How many times have you had to file an insurance claim? Oh, now the light bulb goes off.)
  • The insurance adjuster told me I didn't need to get an attorney or another appraiser; (Now why would they not want you to get an opinion other than theirs? *hear Jeopardy music*)
  • The insurance adjuster said I couldn't go see the doctor; (Why are you listening to anyone other than a doctor in regards to medical advice?)
  • I don't want to sue anybody; (80-90% of the time no law suit is filed. If one is filed it may list the negligent party but that is because insurance can't be mentioned in a trial. The insurance company is the one that actually defends any law suits you bring and pays money up to their coverage amount if a verdict is rendered.)

 All I ask is that you be informed and educated on the interest of all the parties involved and not just assume anything. 

“Knowledge is of no value unless you put it into practice.” -- Anton Chekhov