Housman & Associates, PLLC

Bringing more than 50 years of combined experience to your legal matter

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Firm Overview

If you or someone close to you has been injured due to someone else's carelessness, attorneys Craig Housman and Geordie D. Garatt are prepared to help with the knowledge and skill gleaned from their more than 50 years of combined experience. If you have been hurt on the job, attorneys Craig Housman and Geordie Garatt know how to protect your interests. They take particular pride in handling Kentucky workers compensation cases. Social Security claims have been a regular and substantial part of Craig Housman's professional work for over 38 years. Mr. Housman has been practicing personal injury law and related legal matters for the past 38 years, and the knowledge he has amassed from working on those cases enables him to proactively and vigorously protect his clients' rights. Winning lawsuits requires skill, diligence and resources. As a result of his professionalism and integrity, Mr. Housman has earned an AV Preeminent Peer Review Rating by Martindale-Hubbell.

While we will thoroughly assess your case in order to help you navigate often complex state or federal legal systems, we also strive to educate our clients. We want to empower our clients to make decisions that have the best chances for long-term success. Every legal situation is unique, but you can rely on our well-earned reputation for applying our experience and preparation to take on even difficult cases.

Housman & Associates actively practices in the following areas:
-Personal injury and death claims
-Automobile accidents and injuries
-Workers compensation
-Social Security
-Negligence
-Torts
-Contract Litigation
-Real estate
-Products liability

Client service you can trust
Because we are a small law firm with a lot of experience, you can expect us to provide you and your case a high level of personal attention, service and commitment.
Main Office

Main Office
109 South 4th Street, P.O. BOX 1196
Paducah  KY  42002-1196

Phone
  • (270) 444-6644
Fax
  • (270) 444-6116
Personal Injury
Personal Injury Law in Kentucky
Paducah firm helping victims recover for their losses
The personal injury attorneys at Housman & Associates have more than 50 years of experience successfully helping injured clients recover just compensation for losses resulting from auto accidents, unsafe products, slips and falls, and unsafe work conditions. We also represent people with workers compensation and Social Security Disability claims.

Seeking just compensation for injuries
Personal injury claims are brought by victims who suffer physical or psychological injury directly due to another person’s negligence. At Housman & Associates, we employ a practical, professional approach to ensure that our clients obtain full and fair recovery for their injuries, including damages for their past and future medical bills, lost income, emotional distress, and pain and suffering. We use our extensive civil litigation experience, our knowledge about insurance company tactics and our skills at settlement negotiation to obtain the best possible recovery for our clients.

Personalized legal guidance:
At Housman & Associates, the client's interests are our priority. We provide personalized legal guidance at every step of your case, updating you on progress and fully informing you about the legal strategy and recovery options available.

Protecting your claim:
Kentucky law sets limits on the amount of time you have to file a personal injury claim or workers compensation claim. Consult an experienced personal injury attorney as soon as possible so your claim is filed within crucial statutory deadlines. By investigating your claim immediately, we help ensure that valuable evidence remains available and witnesses' memories remain fresh.
Social Security Disability
Kentucky Social Security Disability Benefits Lawyers
Securing your disability benefits:
It is a common misconception that disability benefits are immediately available to you the moment after you become disabled. This is simply not true. Attorneys Craig Housman and Geordie D. Garatt stand ready to explain the Social Security disability process to you. As a preliminary matter, you must demonstrate the following to be eligible for Social Security Disability Insurance (SSDI) benefits:

1. You worked for a certain amount of time during the years before you became disabled. SSDI candidates who do not meet this history of earnings threshold may only be eligible for Supplemental Security Income (SSI) benefits. For candidates who meet this threshold, the dollar amount of your disability compensation depends in part on your history of earnings.

2. Your disability meets the Social Security Administration (SSA) definition of disability. According to the SSA, you qualify for SSDI only if: (1) you cannot do the work you did before you became disabled, (2) you cannot perform another job in your current medical condition, and (3) your doctor expects that your injury will last for at least one year or result in death.

There are delays between the date of your disability's onset and the date when your disability benefits begin. You are not entitled to SSDI payments for the first six months after the date of onset of your disability. Medicare payments begin 30 months after the onset of your disability. The program also limits eligibility based on your monthly earning capacity. We can explain the Social Security disability program to you in greater detail during a one-on-one initial consultation.

If you are ineligible for SSDI benefits, you may be eligible for SSI benefits:
If you are disabled and continue to earn more than what the SSDI program allows because there is no financial alternative for your family, you may qualify for SSI benefits. The SSA will use a precise formula to calculate your eligibility based on your current earning capacity and your current medical expenses. At Housman & Associates, we will assess your case and help you explore your legal options, including alternative sources of income and healthcare options.

SSI benefits are available to disabled children or disabled adults who have limited access to resources and income and do not meet the earnings requirement for SSDI. To qualify for SSI benefits, you will need to show that your impairments keep you from obtaining substantial gainful employment and that your impairments can be expected to result in death or to last for at least 12 months.
SSDI
Securing your disability benefits
It is a common misconception that disability benefits are immediately available to you the moment after you become disabled. This is simply not true. Attorneys Craig Housman and Geordie D. Garatt stand ready to explain the Social Security disability process to you. As a preliminary matter, you must demonstrate the following to be eligible for Social Security Disability Insurance (SSDI) benefits:

1. You worked for a certain amount of time during the years before you became disabled. SSDI candidates who do not meet this history of earnings threshold may only be eligible for Supplemental Security Income (SSI) benefits. For candidates who meet this threshold, the dollar amount of your disability compensation depends in part on your history of earnings.

2. Your disability meets the Social Security Administration (SSA) definition of disability. According to the SSA, you qualify for SSDI only if: (1) you cannot do the work you did before you became disabled, (2) you cannot perform another job in your current medical condition, and (3) your doctor expects that your injury will last for at least one year or result in death.

There are delays between the date of your disability's onset and the date when your disability benefits begin. You are not entitled to SSDI payments for the first six months after the date of onset of your disability. Medicare payments begin 30 months after the onset of your disability. The program also limits eligibility based on your monthly earning capacity. We can explain the Social Security disability program to you in greater detail during a one-on-one initial consultation.

If you are ineligible for SSDI benefits, you may be eligible for SSI benefits:
If you are disabled and continue to earn more than what the SSDI program allows because there is no financial alternative for your family, you may qualify for SSI benefits. The SSA will use a precise formula to calculate your eligibility based on your current earning capacity and your current medical expenses. At Housman & Associates, we will assess your case and help you explore your legal options, including alternative sources of income and healthcare options.

SSI benefits are available to disabled children or disabled adults who have limited access to resources and income and do not meet the earnings requirement for SSDI. To qualify for SSI benefits, you will need to show that your impairments keep you from obtaining substantial gainful employment and that your impairments can be expected to result in death or to last for at least 12 months.
Workers Compensation
Skilled attorneys protecting Kentucky workers
When you are injured or become ill at your workplace or a work-related activity, you may be eligible for workers compensation. You are entitled to workers compensation benefits even in the absence of your employer's fault or negligence, and even if you were at fault.

The experienced attorneys at Housman & Associates help workers obtain coverage for their workers compensation claims, including:
-Compensation for permanent disability
-Dependents' recovery for worker’s death
-Temporary total disability payments
-Rehabilitation expenses
-Retraining costs

Appealing workers compensation decisions:
If your workers compensation claim is denied, you have a limited time to appeal the decision. We can help you successfully maneuver through the complex bureaucratic process of appealing to the Kentucky workers compensation board.
Sexual Harassment
Sexual Harassment
Housman & Associates will represent your sexual harassment legal matters.

Craig Housman

Attorney
Mr. Housman has earned an AV Preeminent Peer Review Rating by Martindale-Hubbell.

Practice areas:
-Personal injury and death claims
-Automobile accidents and injuries
-Workers compensation
-Social Security Disability
-Negligence
-Torts
-Products liability

Admitted:
-Kentucky, 1973
-U.S. District Court for the Western District of Kentucky,
1974
-Sixth Circuit, U.S. Court of Appeals, 1974

Education:
-Vanderbilt University Law School, J.D., 1973
-Western Kentucky University, B.A., 1970

Associations and memberships:
-McCracken County Bar Association (President, 1995-1996)
-Kentucky Bar Association
-Kentucky Justice Association
-National Organization of Social Security Claimants
Representatives
-American Association for Justice
-Work Injury Litigation Group
-Kentucky Workers Association (formerly Kentucky Workers
Injury Litigation Group)

Representative cases:
-Johnson v. Commissioner of Social Security, 652 F3d 646 (6th Cir., 2011)
-Greene v. Paschall Truck Lines, 239 SW3d 94 (Ky.App. 2007)
-Haney v. Butler, 990 S.W. 2d 611 (S. Ct. 1999)
-McKinney v. Heisel, 947 S.W. 2d 32 (S. Ct. 1997)
-Wilson v. SKW Alloys, Inc., 893 SW2d 800 (Ky. App. 1995)
-Travelers Ins. Co. v. Duvall, 884 S.W. 2d 665 (S. Ct. 1994)
-Ingersoll-Rand v. Rule, 867 SW2d 205 (Ky. App. 1993)
Education
  • Vanderbilt University Law School
    Juris Doctorate , 1973

Geordie D. Garatt

Attorney

Mr. Garatt is BV Distinguished Peer Review Rated by Martindale-Hubbell for his professionalism and ethics.

Practice areas:
-Workers compensation
-Personal injury
-Real estate
-Real estate title
-Long Term Disability
-Automobile accidents and injuries
-Sexual harassment
-Eminent domain

Admitted:
Kentucky, 2000

Education:
-University of Dayton School of Law, J.D., 1999
-Appalachian State University, B.A., 1995

Associations and memberships:
-McCracken County Bar Association
-Kentucky Bar Association
Education
  • University of Dayton School of Law
    Juris Doctorate , 1999
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