Archive | September, 2014

Literacy Can Be a Factor in Disability Claim

Social Security looks beyond physical and metal impairments to consider include a person’s age, education, and work experience. A little-known factor in this arena are the claimant’s literacy level and English proficiency. Generally, an illiterate person has had little or no formal schooling, but educational does not necessarily assure literacy competence. Consider also whether a […]

Continue Reading

Can Disability Benefits be Garnished?

Banks and other financial creditors can’t touch your Social Security benefits, but when the government is collecting on a debt, those funds are fair game. The federal government can garnish your benefits for repayment of several types of debts, including federal income taxes, federal student loans, child support and alimony, nontax debt owed to other […]

Continue Reading

Waiting Times Still Impact Real Lives

Although wait times for disability decisions have unproved in the past few years, in real time, for real people, delays of two to three years from application date are common, and virtually impossible to manage effectively. Take a look at this TV station’s investigation of a case in Buffalo NY: Back and neck injuries have […]

Continue Reading

At A Glance: Security Disability Programs

Title II DISABILITY INSURANCE BENEFITS To be eligible for Social Security Disability Insurance Benefits (DIB) you must have worked and paid Social Security taxes for 20 quarters (5 years) out of the past 40 quarters (10 years) and have earned a minimum amount per quarter. The minimum earnings amount changes annually. The amount of earnings […]

Continue Reading

How Does Bankruptcy Affect Social Security Benefits?

Here’s a thoughtful and concise article about how Bankruptcy relates to Social Security benefits: If you receive Social Security benefits, bankruptcy provides protection through state exemptions whether you file Chapter 7 or Chapter 13 bankruptcy. Most often the “means test” helps determine your eligibility when filing, but some states may not calculate your benefits into […]

Continue Reading