There have been many discussions regarding Social security Medicare benefits under the oldge survivors and disability insurance programs of the social
Medicare is the federal governments hospital and medical insurance program especially designed for people age sixty five and above. The Medicare benefits is not dependent on the social security that is why you may be able to get hold of your Medicare benefits even without your social security. Medicare also provides limited insurance benefits and therefore may no cover all medical expenses however, having a Medicare supplement is much better than not having it at all since it can provide extra medical protection for medical expenses that may not be covered. Medicare benefit is consists of a Part A and a Part B. The Part A is actually consists of basic hospital insurance plan and covers much of the cost of hospitalization including skilled nursing facilities and some other care in the hospital. On the other hand, the Part B of the Medicare benefits provides supplementary medical insurance that covers a part of the doctors fee and other medical expenses. People who are enrolled in Part B are obliged to pay a monthly premium. Moreover, Medicare is available at the beginning of the month in which a person reaches the age of sixty five. People who have received social security disability benefits for two years are also eligible for Medicare.
In addition, Medicare also covers prescription drugs, wheelchairs as well as the cost of some certain medical supplies. An example of which is the partial coverage for glucose monitors and diabetic shoes for Medicare members who are suffering from diabetes. Aside from that, the Medicare Part A also covers a portion of the confined patient hospitalization for up to ninety days. Moreover, Medicare members may visit the Medicare web site for more information on the benefits provided by Medicare. The Medicare web site offers a convenient means of filing for claims as well as making follow ups for claims less taxing.
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Categories: Medicare Tags: Been, Benefits, Disability, discussions, Insurance, Many, Medicare, oldge, Programs, Regarding, Security, Social, Survivors, there, Under
83% Do Not Trust the Social Security Administration Will Handle Their Social Security Disability Claim Fairly
Oakland, NJ (PRWEB) September 9, 2009
A poll taken by Ultimate Disability Guide, a Social Security Disability information website authored by attorney Karl Kazmierczak of Kazmierczak & Kazmierczak, LLP a disability law firm, asked the question, “Do you feel the Social Security Administration will handle your Social Security disability claim fairly?”
The response was astounding. Eighty three (83) percent of the responses to the yes/no question were No; they do not trust the Social Security Administration to handle their claim fairly. At the time of this release 389 people had responded. When such a huge majority of people do not trust the government to handle their disability claim, it simply cannot be ignored.
Improving the Social Security disability process is probably the best way to regain the people’s confidence. To this end, recently Social Security has spent quite a bit of money and effort to improve the system. However, it also appears as if the SSA should also invest some time and money in public relations.
Many improvements have been made over the last few years to the Social Security Disability process. However, these improvements appear to be going unnoticed by the public. Part of this mistrust of the Social Security Administration might be the reality that the money used to pay Social Security benefits is running out quickly and the issue of how to fix this continues to be avoided by politicians. Another contributing factor may be that most claims take a long time to be decided. Despite the improvements in the Social Security Disability process wait times are still long in large part due to an increase in the number of claims. It is apparent that the improvements have not been publicized enough to improve the public opinion of the Social Security Administration and how their disability claims are handled.
According to the author of the website who posted the poll, Karl Kazmierczak, Esq., “although some may disagree with me, I feel the Social Security Administration is probably the best run government agency with an extremely difficult job but they need to do a better job of assuring the public that their claims will be handled fairly.”
The domestic issue grabbing most of the present attention of the media and politicians is the healthcare system. However, an issue which is related in many ways but seems to have been put on the back burner, as usual, is the Social Security system. In this time of recession, unemployment levels are high and many of those losing their jobs are older or persons with disabilities, the exact people who will utilize the Social Security System. The recession coupled with the baby boomer generation aging means that more disability claims are being filed than ever before and the disabled need to be assured that their claim will be handled fairly by the Social Security Administration. Most employees pay into the Social Security system their entire lives and count on their Social Security for their retirement or in the event they become disabled. Maybe the politicians should address the current fears and perceptions of the people’s retirement or disability nest egg before addressing any new gigantic problems. It is apparent that the Social Security Administration should find ways to inform the public to improve their opinion.
It is clear from the poll that many people are concerned about the fairness of their Social Security claims. The Administration has made changes to address these issues however, it seems they need to step up the public relations aspect and do a better job of publicizing their improvements and make stronger efforts to get the public’s trust in the Social Security Disability system. If you would like to take the poll you can find it at Ultimate Disability Guide.
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Categories: Social Security Tags: Administration, Claim, Disability, Fairly, Handle, Security, Social, THEIR, Trust
Avoiding ERISA under disability insurance contracts.: An article from: Florida Bar Journal
Avoiding ERISA under disability insurance contracts.: An article from: Florida Bar Journal
This digital document is an article from Florida Bar Journal, published by Florida Bar on May 1, 2005. The length of the article is 5851 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.
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Title: Avoiding ERISA under disability insurance contracts.
Author: D. Frank Winkles
Publication: Flo
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Categories: Social Security Tags: article, Avoiding, Contracts, Disability, ERISA, Florida, from, Insurance, Journal, Under
An Analysis of Military Disability Compensation
An Analysis of Military Disability Compensation
Reviews the goals and effectiveness of current policies for compensating veterans with military-related disabilities.
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Categories: Pension Tags: Analysis, Compensation, Disability, Military
Social Security Disability Attorneys Near Kaufman Texas
www.elliottattorneys.com – Attention: Kaufman, Texas Residents: If you have been denied Social Security Disability benefits in Texas, call the Elliott Law Firm today at (903) 567-6622.
Categories: Social Security Tags: Attorneys, Disability, Kaufman, Near, Security, Social, Texas
Social Security Disability Attorneys Near Frankston Texas
www.elliottattorneys.com – Attention: Frankston, Texas Residents: If you have been denied Social Security Disability benefits in Texas, call the Elliott Law Firm today at (903) 567-6622.
Categories: Social Security Tags: Attorneys, Disability, Frankston, Near, Security, Social, Texas
Understanding the Social Security Disability Application
Applying for Social Security Disability can be an intimidating experience. Did you know that you can apply for disability benefits as soon as you become disabled? To apply for benefits you’ll want to contact the Social Security Administration (SSA). This can be done by phone, mail, online or by visiting a local Social Security office.
Note: You are eligible to receive benefits from the date that you become disabled. If you apply after one year of becoming disabled you will only be eligible for a maximum of one year of back benefits.
Social Security Disability has several names that you may or may not be familiar with. It can be abbreviated as SSD, but more often you’ll hear of it either as Supplemental Security Income (SSI), or Social Security Disability Insurance (SSDI). The two programs are under the umbrella of SSD, but each function differently.
Supplemental Security Income is available for those who have not worked enough to be eligible for Social Security Disability benefits, are in fact disabled, and economically qualified. Social Security Disability Insurance acts more as a policy to help those workers who have been contributing to the Social Security pool during their working career. Both programs cover full (total) disability only.
Recent Work Test:
Part of the SSD application process involves a recent work test. During this test the SSA reviews the disabled person’s work history to determine if the person has worked long enough to quality for disability benefits. In general for those over the age of 31 passing the test means the person has worked 5 of the last 5 years prior to becoming disabled. Below are a few samples of recent work test requirements for a Social Security Disability application:
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- Between age 24 and 31: Age when you become disabled minus 21, then divided by 2. Example a person age 27. This person would need to have worked 3 years from the time he turned 21 (math: 27 – 21 = 6. Then 6 / 2 = 3).
- Age 31 and older: worked 5 of the last 5 years prior to becoming disabled.
Lawyers and the Supplemental Security Income (SSI) Application Process:
There is a very strict definition to quality for SSI Disability. Completing the Supplemental Security Income (SSI) application is the first step to winning benefits. It is suggested you consider working with an experienced SSI lawyer during the application process. A lawyer will be able to work with you an help assemble to cause to present it in a manor that helps fulfill the strict requirements necessary to win disability benefits.
Lawyers and the Social Security Disability Insurance (SSDI) Application Process:
SSDI also has a strict definition. The first step a person needs to complete to win benefits is the Social Security Disability Insurance (SSDI) application. Persons seeking SSDI benefits may want to contact an experienced Social Security lawyer for assistance with the application. A lawyer will be able to help gather the proper documentation and medical evidence necessary to present your case in the most favorable manor to the SSA.
Before submitting a SSD application it is important to remember that the SSA awards disability benefits around strict criteria. Those that are awarded benefits have documented that their condition will last at least one year or result in death. The process to win benefits can be significant from a time perspective, sometimes lasting two or more years. It is recommended to consider working with a Social Security lawyer to help increase your chances of winning benefits. Remember, the earlier you involve a lawyer the earlier the process can be affected.
Matt Berry is a lawyer and advocate who can help with a Social Security Disability application, including a SSDI application attorney assisted and SSI Disability application attorney assisted.
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Categories: Medicare Tags: Application, Disability, Security, Social, Understanding
Disabled for Life? Attitudes Towards and Experiences Of, Disability in Britain (DWP Research Report)
Disabled for Life? Attitudes Towards and Experiences Of, Disability in Britain (DWP Research Report)
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Categories: Social Security Tags: Attitudes, Britain, Disability, disabled, Experiences, Life, report, Research, Towards
Social Security Disability Applicants’ Wait for Benefits Continues
Social Security Disability Applicants’ Wait for Benefits Continues
Allsup – SSDI Representation and Medicare Advisor
Belleville, Ill. (Vocus) March 30, 2009
Some people with disabilities still are experiencing waits as long as two to four years for decisions on their Social Security disability benefits, according to Allsup , which represents tens of thousands of people in the Social Security Disability Insurance (SSDI) process each year.
The backlog in the SSDI program continues to face challenges with rising applications and a strained work force at the Social Security Administration. The SSA Office of Inspector General issued a report stating that some individuals may wait as long as one year for a review of their case at the initial level, as long as 16 months at the reconsideration level (level 2), and four years at the hearing level (level 3). The U.S. Committee on Ways and Means also held a hearing March 24 on the continuing Social Security disability backlog.
“We know these are challenging times for people seeking their SSDI benefits,” said Jim Allsup, CEO of Allsup, which provides financial and healthcare-related services to people with disabilities that prevent them from working. “Our specialists continue to work hard to help claimants receive their benefits as quickly as possible. We know that those who get representation can see their awards come through faster because they have our professional assistance.”
Additionally, the SSA has reported plans to continue addressing the backlog with initiatives such as the compassionate allowances program and hiring more staff. The backlog now numbers more than 765,000 people who are waiting at the hearing level of the process.
“It’s discouraging to know that people continue to endure such long waits for their benefits,” Mr. Allsup said. “Allsup will continue to do what we can to represent claimants effectively, getting them through the process quickly and support people during their period of waiting for a decision from government examiners and judges.”
SSDI is a federally mandated insurance program overseen by the Social Security Administration (SSA) that operates separately from the retirement and SSI programs. SSDI provides monthly benefits to individuals who are under full retirement age (age 65 or older) and who can no longer work because of a disability (injury, illness or condition) that is expected to last for at least 12 months or is terminal. Individuals must have paid FICA taxes to be eligible. More details are provided in the SSDI Overview on Allsup.com.
How Allsup Can Help
Individuals planning to apply for SSDI, or who have been working through the process alone, can find assistance through Allsup in several ways, including:
Education about the SSDI process. Allsup specialists explain the SSDI process and offer you a variety of materials through Allsup.com. Sections offer an overview of SSDI, answers to frequently asked questions about SSDI, key benefits of representation, tips for getting through the backlog and more. Allsup also provides its Disability Evaluation Center if you’re not certain you are eligible for SSDI, plus a live chat feature to ask questions. Call the center at (800) 279-4357.
Assistance with your SSDI application. Allsup representatives can help you from the very beginning of your application, before you’ve filed the first piece of information through your local Social Security office. They also can help you with the next steps if you’ve been denied benefits. Because of the wait many people are experiencing, Allsup recommends that qualified individuals apply for SSDI benefits at the earliest opportunity and seek assistance with their claim. To read more about qualifying, visit FAQs – Social Security Disability Insurance.
Personalized support through Allsup Place. As an Allsup customer, you can get personalized, real-time information and updates about your claim and where it is in the SSDI process through this online community. You can use your Allsup Place account to update your claim and medical information, and find support from various resources, such as support groups and advocacy organizations.
Financial and tax information. When you face a long-term disability and quit working, your financial picture comes into much sharper focus. Allsup knows this and provides comprehensive information to assist you and your family. This includes information on managing your income, increasing your cash flow and evaluating your expenses, as well as pursuing unclaimed property that could help your financial situation. Go to the Financial Matters section on Allsup.com.
Healthcare insights. Maintaining treatment for your injury, chronic disease or condition also is important during this time. Allsup provides materials on dealing with healthcare costs and offers an online resource center. Find more about drug assistance, COBRA coverage and Medicare at: Disability and Managing Healthcare Costs.
These are just a few of the resources Allsup offers. “But most importantly, we offer our long history and expertise with the SSDI process,” Mr. Allsup said. “We’ve helped thousands of people get their SSDI benefit, and we can help you.”
ABOUT ALLSUP
Allsup, Belleville, Ill., is a leading nationwide provider of financial and healthcare related services to people with disabilities. Celebrating its 25th anniversary in 2009, Allsup has helped more than 110,000 people receive their entitled Social Security Disability Insurance and Medicare benefits. Allsup employs more than 550 professionals who deliver services directly to consumers and their families, or through their employers and long-term disability insurance carriers. For more information, visit www.Allsup.com.
Contacts:
Rebecca Ray
(800) 854-1418, ext. 5065
or
Dan Allsup, ext. 5760
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Categories: Social Security Tags: Applicants’, Benefits, Continues, Disability, Security, Social, Wait
Know and Avail Your Disability Insurance Benefits Pronto
Know and Avail Your Disability Insurance Benefits Pronto
A study reveals, “a 20-year-old worker has a 3 in 10 chance of becoming disabled before reaching retirement age.”
If you suddenly find yourself out of job because of disability, do not lose hope. There is disability insurance and benefits program that you can avail in the US to help you tide over the times you were disabled and thus off work.
Employer disability insurance program
Majority of employers offer medical, dental and life insurance benefits to their employees nowadays. On top of that, some offers disability benefits, which can range from short-term disability and long-term disability, or both.
You may want to know what your own company can offer you. Read the copy of your employee’s manual or contract of employment. Your human resources officer can also provide you valuable information regarding your company’s disability insurance policy.
State Disability Insurance
Some states offer disability insurance benefits to those who are not covered by their employer’s disability benefits, or when there is no insurance provided at all. The following states, among others, offer disability insurance benefits:
• California
• New York
• New Jersey
• Hawaii
• Rhode Island
Funds for disability insurance benefits in California come from contributions provided by employees. A portion of their paychecks forms part of the state fund. Those who cannot work because of disability unconnected to the job may file money claim to replace their lost income from such fund.
The California State Disability Insurance also covers cases of women who cannot report to work because of pregnancy or those who takes time off to take care of ill relatives or a newborn child.
Workmen’s Compensation
For employees who are not qualified to State’s Disability Insurance, they may claim under the Workmen’s Compensation Disability Insurance. Almost all states in the country require private and public employers to develop this type of disability insurance.
If you have been injured on the job or developed a job related sickness, you may file your claim under Workmen’s Compensation if your claim cannot fall under the State’s Disability Insurance.
Social Security disability benefits
The Social Security Administration pays disability benefits under the following programs:
1. The Social Security disability insurance program
This program pays benefit to you and certain family members if you have worked long enough and paid Social Security taxes.
If your child’s disability started before the age of 22, he/she may also qualify for benefits on your earnings record.
2. The Supplemental Security Income (SSI) program
This program pays benefits to disabled adults and children who have limited income and resources.
You may call SSA, visit their website or consult with a Social Security Law attorney to know how to avail SSA disability benefits.
Bear in mind however, that SSA imposes strict qualifications and proof of severe medical conditions to be eligible to SSA disability benefits.
Veterans’ disability insurance
For service members and veterans, the US Veterans Benefits Administration can give those benefits under either two programs; (1) the disability compensation and (2) the disability pension.
The disability compensation is given to service members and veterans who suffer at least 10% disability because of military service. The disability contemplated here includes physical injuries, physical and mental diseases, and posttraumatic stress disorder.
On the other hand, disability pension is given to eligible wartime veterans who have limited income and cannot work, or who are 65 years old or older.
These are just some of the various disability insurance benefits that you may avail of depending on your existing condition, coverage and qualification. Communicate with a proper government agency regarding your claim or consult with an attorney who has specialization on the matter.
In pursuing your disability insurance benefits, our credible and skilled Los Angeles lawyers will ensure that you will receive the rightful claim that you deserved.
Jamil Estorninos is currently jumbling work and law school. He is now only 5 units away from his law degree but 1.5 million miles away from his dream – to become the next John Grisham. He writes while waiting to become a force to reckon with in the legal world.
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