Few applicants for Social Security Disability benefits are aware that
the Social Security Act requires that, not only must a worker have
accrued sufficient “quarters of coverage” through the payment of FICA
taxes, but that there must also be sufficient recent earnings in order
to be eligible for disability benefits. In Social Security parlance,
one must not only be “fully insured,” but must also be “disability
insured” in order to be eligible for benefits.
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. What happens, however, if you actually suffer the misfortune
of a disability, file a claim, provide all the necessary documentation
to the insurance company and then have your claim denied (or
terminated)?
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.
President Barack Obama issued the following proclamation on October 1,
2009, asking all Americans to do their part to end domestic violence.
Please join Camden County Woman Magazine in our efforts to raise
awareness of domestic violence during Domestic Violence Awareness Month
2010.
As Camden County Surrogate, I have constantly been made aware of efforts by various entities that send postcards, invitations or other forms of mailings to our senior population contacting them with the theme: “Avoid probate and estate taxes.”
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.
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?”
The Social Security Disability (SSD) and Supplemental Security Income (SSI) entitlement programs are the product of the first major expansion of the Social Security Act in 1954. Here are a few of the most common myths, which many people have come to believe as truth.
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.
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. What happens, however, if you actually suffer the misfortune
of a disability, file a claim, provide all the necessary documentation
to the insurance company and then have your claim denied (or
terminated)?
As Camden County Surrogate, I have constantly been made aware of efforts by various entities that send postcards, invitations or other forms of mailings to our senior population contacting them with the theme: “Avoid probate and estate taxes.”