While most Americans insure their lives and material assets, like their
homes, cars, etc., many overlook the need to protect their most
valuable asset-the ability to earn an income. According to Ken Podell,
CLU, a financial advisor with Mass Mutual, insurance claims studies
indicate that the odds of becoming disabled for 90 days or longer are
much greater than dying during one’s work years.
Listen to your doctor. This strengthens your chances of winning when
you make a disability claim, while also (it is hoped), helping restore
to you some quality of life.
Unfortunately, the incidence of autism and special needs issues in
children seems to be increasing in our world today as is the rate of
divorce. The stress of an ASD child (Autism Syndrome Disability), or a
child with special needs can often be the straw that breaks the camel’s
back with regard to marriages that are already having problems.
In previous columns, I have offered mostly “nuts and bolts” instructions for filing and succeeding in disability claims. Here is a modest suggestion, which I think, kills two birds with one stone: LISTEN TO YOUR DOCTOR. This strengthens your chances of winning when you make a disability claim, while also (it is hoped), helping restore to you some quality of life.
In matters of child support, the basic underlying premise is always that the dissolving of a relationship should have no impact on the economic welfare of the child.
I continue to be amazed, despite the fact that these important programs have now been in existence for over 35 years, at how little the American public really understands about such an important component of the federal program which most directly effects the greatest number of Americans.
One of the most common questions I am asked by people applying for Social Security Disability and SSI benefits is: “Do I need a lawyer for this or can I just do it on my own?”
If you read my first two columns about disability insurance, you should now have a basic understanding of both the need to protect one’s ability to earn an income and the essential features of disability insurance policies.
While most Americans insure their lives and material assets, like their
homes, cars, etc., many overlook the need to protect their most
valuable asset-the ability to earn an income. According to Ken Podell,
CLU, a financial advisor with Mass Mutual, insurance claims studies
indicate that the odds of becoming disabled for 90 days or longer are
much greater than dying during one’s work years.
Unfortunately, the incidence of autism and special needs issues in
children seems to be increasing in our world today as is the rate of
divorce. The stress of an ASD child (Autism Syndrome Disability), or a
child with special needs can often be the straw that breaks the camel’s
back with regard to marriages that are already having problems.
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