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5 Questions to Ask About Disability Finance

April 14, 2020 Leave a Comment

Image Credit: Gerd Altmann

 

Confused about disability finance? Worried about disability lawyers? Try our mini-guide to disability finance, to help clear things up.

 

1. Am I eligible for benefits?

 

It’s straightforward to figure out if you’re eligible for any support from Social Security, and if so, which kinds. You can try the handy tool here to see how much support you could claim. You can also ring their hotlines for advice, or get impartial advice in your community, for example, at a legal clinic. A good lawyer or disability attorney can also advise you on disability benefits.

 

2. What about insurance?

 

Disability insurance is something anyone can purchase. It works like any other insurance policy you have, like dental or auto. Some employers will offer you disability insurance as part of their benefits package, but if they don’t and you want it, you can set it up privately. It’s designed to cover you if you become disabled (short-term or long-term), and can no longer work. Elite packages are available if, for example, you’re an athlete or footballer — anyone with a job depending entirely on their physical status.

 

3. What will disability insurance do for me?

 

Usually, you’ll get a percentage of your monthly income paid out to you by the insurance company. Most companies offer this monthly. You may also get rehabilitation services and possibly return-to-work incentives (which may be financial). If you’d like rehabilitation or other aspects of your disability insurance, make sure this is included in your policy before you agree to anything. If in doubt, ask an attorney to look over your policy for you before you’ve committed to it.

 

4. What kinds of disability insurance are there?

 

SSDI: This is sometimes known as disability benefits. Whether you get it or not can depend on how much you’ve paid into SSDI, how many work credits you have, and the state of your disability. 

 

State: Some states have made a certain level of employer-sponsored disability insurance, mandatory. This means your employer will have to offer you some disability insurance, but it depends where you live. 

 

Private: This is where you take out an insurance policy yourself, which you pay for. It is designed similarly to any other insurance policy. If you become unable to work, your insurer should pay out a percentage of your wages.

 

5. What about disability lawyers?

 

Most disability lawyers work on things like denied claims, especially of disability insurance claims. Disability law requires a specialized disability lawyer due to the continually changing laws around disability. A personal injury lawyer is a very different type of lawyer and will not have the right skills. Be wary of hiring the wrong type by accident. If the lawyer you’re hiring exclusively deals with disability insurance cases, they will be experts in navigating that field, and you’re sure to be in the best hands.

 

The world of disability finance is ever-changing and can be very confusing. Make sure to get all the advice you need from reputable sources before entering into any legal agreements or financial commitments. 

Filed Under: Budget Tagged With: , , , ,

Stuck with your Social Security Disability Claim? 5 Ways a Disability Lawyer Can help

March 16, 2020 Leave a Comment

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Many people today are at risk of disability or premature death. Thousands of debilitating accidents occur every day, leaving a trail of disabilities and destitute families. Such accidents and ensuing injuries are a major cause of money problems. For instance, in June 2019, 1 in every 6 U.S. residents received Social Security benefits.

Social security benefits are a godsend for people who can’t work due to disability. However, there are millions out there who can’t access these benefits because their claims have been denied. If you or a loved one has suffered a life-altering injury and you can’t work, these benefits come in handy to cater for daily expenses.

When filing a social security disability claim, it is advisable to work with an experienced disability lawyer. This post looks at the role of this legal professional in your claim.

Professional Assessment of Your Claim

Millions of claims pass through the Social Security Administration (SSA) system. For any of these claims to pass, the SSA officers analyze the medical evidence to back the claim and other pertinent issues.

A disability lawyer has the resources to assess your claim before filing it with the SSA. They can give you an objective and professional overview of the claim and help collect more evidence to boost the claim.

Guiding You Through Social Security Disability Process

Most people expect their claims to go through though there’s evidence to suggest a high rate of original claim denials. The main problem is that claimants don’t understand the process. If you are in San Jose, CA, you can find more details here about the role of a disability lawyer. They will walk you through the eligibility criteria, the process of filing a claim, medical documents required and other important matters.

Work With You on a Contingent Fee Basis

Disability lawyers are mandated to work on a contingent basis. Payment is dependent on the outcome of a claim. If the court awards you with Social Security disability benefits, your lawyer gets paid a percentage of the benefits.

Leveraging Legal Expertise

Working with a disability lawyer when filing a Social Security disability claim can increase the chances of winning the case. Your attorney has a better understanding of the legal requirement, the application process and will help you meet the criteria on the Blue Book Listing. 

The “Disability Evaluation under Social Security”, or the Blue Book is the key to qualifying for Social Security disability benefits. Most claims are denied due to enough medical proof of disability.

Appealing a Denial 

In case of denial of your original social security disability, your disability lawyer can file an appeal. The lawyer can first try reconsideration as the first step and an SSA hearing if the review fails. They carry out further research and collect more evidence to boost the chances of your appeal.

Wrapping Up

Filing for social security disability benefits is a daunting and complicated process. Your claim undergoes thorough scrutiny before you qualify and there’s a big risk of denial. Using a disability lawyer is a smart strategy as this legal professional will guide you through the process, help you with evidence collection and other steps for a successful claim.

Filed Under: Lifestyle Tagged With: , , , , , , , , , , ,

Stop Struggling With Money: 3 Things to Try

February 5, 2020 Leave a Comment

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Do you struggle to make ends meet? Most of us feel like this at least some of the time, but if you’re constantly living hand to mouth then things need to change. Struggling with money can be really stressful, and it prevents you from living the life you want. You don’t need to win the lottery or even land your dream career, making a few simple changes can make a big difference. You’ll be happier, you’ll have a little more money in your pocket and won’t be stressing quite as much about the bills. Here’s what you need to know. 

 

Get out of debt

Being in debt is expensive, not only are you paying back what you’ve borrowed but every month you carry a balance, you’re paying interest too. If your debt is out of control, you might find that all you’re able to pay back each month is the interest, and you’re not bringing down the balance at all. Getting out of debt might involve using savings or making cutbacks in your budget, but if it’s out of control you may need to speak to a debt management company. These can speak to creditors on your behalf and work to get interest frozen and repayments reduced to a much more manageable amount. It can mean a huge weight is lifted off your shoulders and you can get your finances back under control. This allows you to start getting other areas of your money sorted again and puts you in a much better position.

 

Claim everything you’re entitled to

Did you know you may have money available to you which you’re not getting right now? If you’re on a low income, have a disability or even are entitled compensation from an accident that wasn’t your fault, it’s important to find out what you’re owed. This can compensate you for time you’ve had to have off work, or help you to make ends meet if you’re unable to work. It’s not always a smooth journey, for example you might need an attorney for disability appeal if you feel you’ve been wrongly rejected but keep at it until you get what’s rightfully yours. 

 

Earn some money from home

Making changes and cutbacks in your budget is always going to be useful, but if you can earn some extra money too then even better. This day in age, it’s perfectly possible to make cash from home, in your spare time and in a fun way. You could start and monetize a blog or YouTube channel. You could become a freelancer and monetize your skills, or you could take on a flexible job as a remote worker in the evenings. All of the money you earn could be used towards debt, to save up or just to make everything a little easier financially. You don’t even need to leave the house, and can hugely improve your situation with money.

Filed Under: Budget Tagged With: , , , , , , ,

Quick Tips For Adjusting To Life After The Army

November 22, 2019 Leave a Comment

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Joining the armed forces is one of the biggest responsibilities as well as privileges of being a citizen. When you make the choice to join the armed forces in whichever realm, you immediately become a protector of your home country and this should make you feel incredibly proud.

 

Of course, being in the armed forces is not easy and often you may not take control of your own health and wellbeing. This can lead you to feel recluse, depressed, and suffer from PTSD when you do finally make it home. 

 

Adjusting to life back on the outside can be a difficult task and it may take a long time to get there. You’ll likely need a lot of support from family and friends, Veterans Disability Info, and support getting back to work. Here are some of the ways that you can help yourself adjust back into life once you have left the armed forces for good. 

 

Acknowledge yourself

 

It is important in the first instance to acknowledge who you are and what you have been through. Life can be hard when you have lived in a different environment for so long and you need to acknowledge that you are not the same as everyone else. Own your feelings and understand them, and this will be the first step to controlling them in the future. 

 

Talk it out 

 

The best thing you can do whny ou come back and start to struggle with life is talk to your family. Never bottle up your feelings because all this will do is cause you stress and pull you further and further away from those who love you. Sit down and chat to your family and explain that you are finding it hard. They will be able to give you all of the support you need and you will have a whole network there to catch you when you fall. 

 

Get help

 

Nearly two thirds of those who suffer with mental illness after being in the army and this can have a detrimental effect on their health. It is important when you come out and try to adjust to real life that you know where support lies and how to access it. Call Military OneSource at 1-800-342-9647 for a free resource that can direct you to the support you need. 

 

Pace yourself 

 

It’s not a sprint. If you have friends who live in the same town as you who also left the armed forces at the same time, don’t feel disheartened if they adjust to life easier than you. It is important to remember that everyone has different experiences in the army and it doesn’t make you any weaker than anyone else. Focus on your own progress and don’t push yourself too far too soon. Baby steps are the way to go and they will allow you to get back to your own life in your own time without any relapse. 

 

Manage stressful situations 

 

Be sure to watch out for your triggers. We all have stress triggers to be aware of and it is important that you think about what yours is and how to manage it. Learn to avoid high risk situations and prepare yourself for others. It may take time but you will get there in the end.

Filed Under: Family Tagged With: , , ,

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