Everything You Need To Know About Social Security SSISocial Security SSI or Supplemental Security Income is a tax-funded program used to provide necessities such as food, shelter and clothing. If you are elderly, disabled or blind with little to no income, you may be eligible for Social Security SSI. When you are ready to apply, be sure to have all the information you need to complete your application fully. This will ensure that your application is processed as quickly as possible so that you can begin to receive your benefits in a timely manner. To apply you will need: · Your social security card · Birth Certificate · Home and mortgage information or renters information, whichever is applicable · Payroll stubs, insurance policies and other things you may own · If you are disabled or blind, a list of doctor’s names and numbers you have been treated by · Proof of citizenship If you are disabled or blind there may a special set of rules. In certain cases, you may be able to continue receiving your Social Security SSI benefits while still returning to work. If you begin to make more money, you may lose your benefits though you will still be able to keep your Medicaid coverage. If at any time you begin making less money or lose your job, you can reapply for SSI benefits. Once your application has been reviewed, if you are deemed ineligible you have the right to appeal this decision. If you are going to appeal a decision, you should do so within sixty days of the decision made on your account. There are four different kinds of appeals that can be considered. The first type of appeal is a simple case review. This is very similar to the original application process only with a deeper look at your information and any other circumstances that need to be considered. The second choice is an informal conference in which you will have a chance to tell a caseworker why you disagree with the decision made and you may also have witnesses present to back up your claims. You can also opt for a formal conference. These are most often conducted when there has been a change or halt in your SSI benefits. If you are still unhappy with the decision reached, you can ask for a hearing in a court of law, which will normally be held within 75 miles of your residence. If you are eligible for SSI, you may also be eligible for other SSI programs such as Medicare aid, which will help you pay for any health treatments that you may require. You may also be eligble for food stamps. In general, you can make no more than $2000 per month to be considered for the food stamps program but if you are disabled this limit is raised to $3000 per month. For more information on SSI visit the Social Security Administration online.
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The Specifics For Physicians - Why Own-Occupation Disability Insurance?
By Steven Crawford
If you are a physician, most likely an insurance agent has already recommended buying an individual disability insurance policy to you. If you do purchase a disability insurance policy, you have improved your financial situation by protecting your income. It's always better to own a policy than to not own one. However, there is a chance you did not select the most comprehensive disability insurance policy you could have. Think about it, with life insurance there is only one way to collect on a claim.
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Short-Term Disability Insurance For Individuals
By Michael Relvas
The number of companies offering Short-Term Disability insurance for individuals is very limited and not usually very well priced. If you are interested in obtaining a Short-Term Disability policy you should consider the options available by designing a Long-Term Disability policy to fill a short-term need. You could obtain more comprehensive coverage than available with Short-Term Disability and at a very attractive price.
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