Disability Benefits Confusing at Best!

The Motley Fool web site always has great articles – check this one about disability benefits! Social Security — the social insurance program designed to provide financial security to lower-income retired workers, survivors of deceased workers, and the disabled — can be a critical source of income for millions of individuals in the U.S. But […]

Read full story Comments are closed

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 […]

Read full story Comments are closed

Divorced Spouses Have Claim to Social Security Benefits

If you are divorced, even if you have remarried, your ex-spouse may qualify for disability or retirement benefits based on your record. If your ex-spouse will also receive a pension based on work not covered by Social Security, such as government or foreign work, his or her Social Security benefit on your record may be […]

Read full story Comments are closed

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 […]

Read full story Comments are closed

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 […]

Read full story Comments are closed

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 […]

Read full story Comments are closed

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 […]

Read full story Comments are closed

SSDI: The Truth Behind Political Mischaracterizations

The Social Security Disability Insurance (SSDI) program is an integral part of the Social Security system that provides vital economic security to workers and their families. SSDI provides modest but essential coverage that American workers earn, and protects against the economic devastation that often accompanies life-changing disability. Unfortunately, recent media coverage (including recent opinion pieces […]

Read full story Comments are closed

Combination of Impairments Must be Considered

It is worth a reminder that the law requires the Social Security Administration to consider the combined effects of impairments— physical, mental or emotional —when making a decision about disability. The combination of such impairments may be disabling, even though each separately is not. Too often claimants do not tell Social Security, or even their […]

Read full story Comments are closed

US News and World Report Debunks Trust Fund “Crisis”

Reporter Chad Stone writes: The rising number of people receiving Social Security Disability Insurance benefits in recent decades and the projected depletion of the program’s trust fund in 2016 are whipping up a frenzy in some quarters that disability insurance is “out of control.” Don’t believe it. These developments were largely anticipated and are quite […]

Read full story Comments are closed