Bankruptcy Saved my Family — Can it Save Yours?

4 Causes for Being Denied Social-Security Insurance Benefits

Social Security Disability Insurance, or SSDI, can provide you with funds if you happen to be disabled. However, there are many reasons why people are denied access to the benefits of SSDI. Read on and discover just a few reasons why you might be denied SSDI. If you believe that you have been wrongfully denied SSDI, it is recommended that you consult with a local and trusted disability benefits lawyer.

Fraud

This is an obvious reason as to why you can be denied SSDI. If you obtain SSDI by committing fraud or by brazenly lying on any portion of your application, your SSDI benefits can be revoked. This is far from the worst thing that can happen to you, however. Fraud is a federal felony offense. The Social Security Administration, or SSA, will most likely prosecute you to the fullest extent of the law if they discover that you have been scamming them.

You Live Above Substantial Gainful Activity

Substantial gainful activity refers to the threshold of how much income you can make before SSDI terminates your benefits. It is recommended that you consult with the SSA regarding how much money you can make in a month before they will revoke your SSDI benefits. This amount tends to fluctuate per year. It should be noted that SGA refers to funds that are accrued through work. Any other funds that you receive, whether from other individuals or entities, does not count towards the SGA threshold.

You Are in Prison or Were Injured While Committing a Felony

Not all crimes can prevent you from reaping the benefits of SSDI. Only a few crime-related issues can impede you from actually receiving SSDI benefits. For example, if you were injured in prison and continue to be in prison, you cannot receive the benefits of SSDI. You can, however, receive these benefits after your release, regardless of whether or not your injury was received while you were serving a sentence. If you are currently serving a prison sentence for any felony, then you cannot receive SSDI benefits. Finally, if you were somehow injured while committing a felony and were subsequently convicted of that felony, you cannot receive SSDI benefits.

You Have a Very Short-Term Disability

If the SSA believes that your disability will last less than a full year, or twelve months, they can deny your application to receive SSDI unless your disability will result in eventual death or has caused temporary blindness. Sometimes, the SSA will retroactively grant you disability funds. For example, if they believed a disability would last far less than a year but the issue persisted, they can award you funds for the time you lost due to an application denial.

For more information, talk to a disability-benefits lawyer such as Krueger C Roland Atty At Law

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3 Questions Answered About Your Personal Injury Case

If you’ve been harmed by another individual, you may want to take legal action against this person. Being injured can cause you to face unwanted medical bills and lost wages due to time missed at work. The key to being able to recover these losses may only occur if you file a lawsuit against the other individual. Getting some of your questions answered about a personal injury case may prove helpful to you.

Question #1:  What is the statute of limitations?

One of the first things you will want to consider is the amount of time that’s passed since you were injured. It’s ideal to take legal action as quickly as possible after you’ve been hurt.

This is because there is a statute of limitations that could affect your ability to do so. This is when a certain amount of time has passed, and you no longer have the legal right to file a lawsuit within your jurisdiction.

Question #2: What is your case worth?

Of course, you will want to get the most money possible, and your attorney may be capable of looking at your case and estimating what you should ask for in the complaint.

Listed below are some of the losses that are typically recovered:

1. A number of your medical bills should be requested.

2. Anytime from work that was lost due to the injury.

3. All of the medical costs that were the result of your injury.

Question #3:  When do you prove your case?

The time to bring the evidence for your case is during the discovery stage.  This will enable you to enter any information you have that shows that you are justified to recover your losses.

Listed below are the steps of the discovery process:

1. Written interrogatories – This is a series of questions that must be answered in detail.

2. Deposition – You may be required to meet with the opposing party’s attorney to answer questions about the case.

3. Request for admission statements – It’s necessary to either admit or deny certain statements.

4. Request for production documents – This is the time to enter your medical bills or other statements that show your losses.

Taking the time to meet with your attorney and getting the answers to your questions is ideal when it comes to filing a lawsuit. Be sure to schedule an appointment with a lawyer from a law firm like Baudler, Maus, Forman, Kritzer & Wagner, LLP to begin this legal process.

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Applying For Social Security Disability Benefits? 3 Steps That Will Help You Get Approved The First Time

If you’ve suffered a debilitating injury that’s going to prevent you from working, you’re going to need a way to provide for your own needs. Social Security benefits are designed to provide a monthly cash payment when injuries or disabilities prevent you from working for an extended period of time. Unfortunately, studies show that only about 30-35% of all Social Security applications are approved on the first attempt. Here are three steps you can take that will improve your chances of having your application approved on your first attempt.

Be Open with Your Doctor

When it comes to applying for Social Security disability benefits, your doctor can be your strongest ally. That’s why it’s so important that you be open and honest with them at all times. This includes sharing all aspects of your disability with your doctor, including how it’s affecting your day-to-day life.

For instance, if your disability is interfering with your ability to properly care for you or your family, you should share this information with your doctor. Being open and honest will help when it comes time for the doctor to make his recommendation regarding your need for Social Security benefits.

Submit Copies of All Your Medical Records

Before you apply for Social Security benefits, be sure to obtain copies of all your medical records, including all test results. Once you have obtained copies of all your medical records, send them in with your application for benefits. By providing copies of your medical records, you’ll give the Social Security Administration the opportunity to go over your records before they receive the official copies from your doctors.

Be Sure to Make Follow-Up Calls

After you’ve submitted your initial paperwork, don’t wait for the Social Security Administration to contact you. Instead, make follow-up calls. The first follow-up call should be about two weeks after you’ve mailed in your initial application packet. This will give them enough time to receive the packet and enter it into the system. After the initial follow-up call, make weekly calls to track their progress. Making regular phone calls will allow you to receive earlier notification if there’s a problem with your application.

If your disability is going to prevent you from working for an extended period of time, you need to apply for Social Security benefits. The information provided here will help you get approved for benefits the first time you apply. If you have questions or concerns, be sure to speak to professionals like Cook, Glen.

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Understanding Private Disability Insurance Limits And Value: What Long-Term Disability Insurance Will Not Cover

Private disability insurance is the insurance your employer offers you when you start a new job. There may be a short or very long waiting period before the insurance takes effect, and during that initial enrollment period you may have small amounts deducted from your checks to cover the monthly premiums. Short-term disability may cover you for up to two years while you are unable to work, while long-term disability may cover you until retirement. However, before you get excited about having long-term disability coverage, you should understand some things about what this type of insurance policy does not cover and whether or not it is a good value for you.

Long-Term Private Disability Insurance Does Not Cover Pre-Existing Conditions

If you are already using a wheelchair to get around, you have a brain tumor, or some other pre-existing condition that could impact your work later on, private disability insurance does not cover these. In some instances, some private disability insurance companies ask for access to your pre-employment physical before signing you up for their policies. This is to fact-check your doctor’s statements of your personal health against company records and screen out pre-existing conditions so that employees cannot place claims against their policies in the future for these conditions. While this type of insurance does not cover your current physical challenges, it can and does cover any future issues you may have.

Long-Term Disability Insurance Can Help Pay Bills Until You Receive Federal Disability Benefits

Long-term disability insurance from your employer is very different from disability benefits provided by the Social Security Administration. However, if you find that you need your private disability insurance benefits and you file a claim for long-term benefits with your private insurance provider through your employer, these benefits can help pay some of your bills until you have applied for disability benefits with Social Security. Benefits with Social Security can take several months to go into effect, and they are not always guaranteed, but if you have private disability insurance you will at least have some coverage and some money for as long as you need it.

Long-Term Disability Insurance Only Pays out at Sixty to Seventy Percent

The one down side to private long-term disability insurance is that it only pays out between sixty and seventy percent of your gross wages for the year prior to your injuries. Hiring a lawyer will not get you more money if the insurance contract is clear in its limitations and restrictions. However, this amount is still better than nothing at all. If you want to be sure you are getting a decent value from your private disability insurance, have a lawyer (like one from Iler and Iler) who is well-versed in this area take a look at the insurance contracts before you sign.

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Wills Are Made Of Rubber, Not Steel: 2 Key Moments When Your Estate Plans Must Be Reviewed And Updated

No matter how old or new your estate plans are, it’s important to remember that your will or trust is a flexible document, even as it stands for a secure future for your loved ones. Expect to update or change your official estate plans as family members are born and others pass on, when assets change significantly, or when there are other circumstances that require special provisions.

There are two important moments when you should definitely consult your estate planning attorney to go over your wills and trusts and make necessary changes:

When laws are updated

In early 2016 New Jersey was the latest state to enact provisions of the Uniform Trust Code (UTC), which details how wills and trusts should be handled, managed and settled by the courts and other parties. Promoted by the Uniform Law Commission, the UTC is a way to standardize estate law so that all state courts govern wills and trusts in the same or similar manner. (You can read the full text of the New Jersey version of the law here.)

Over 28 states have enacted some of the provisions in the UTC. In the case of the New Jersey code, the laws are retroactive and cover any and all existing wills. If you had a competent attorney draw up your will, you should already be covered and meet the requirements of your particular state’s laws. But if you live in New Jersey, or in any state that has enacted the code after your will was filed, it’s a smart call to have your estate attorney go over your documents to be sure everything is compliant with your state’s latest trust rules.

When special needs arise

Life throws us curve balls all the time. Accidents, disease or sudden illness may render a formerly active family member unable to properly care for their own needs. Whether you must see to their financial, medical or educational support after your death, there are special considerations–especially if your family member will need to rely on Medicaid or other public assistance in the years to come.

Many public assistance programs do not allow recipients to have much in the way of assets. A special needs trust will allow for extra subsistence and support, but only if the funds are structured in such a way that they are not given directly to the person with the disability. It’s important to have an experienced estate planner handle a special needs trust to ensure it won’t impair any future ability to receive health care or other services.

Even if you already have such a special needs trust, as a child with a disability grows to adulthood, they may be more or less capable of self-support than was believed when you first established the trust. You will want to review and change a special needs trust if you find that your child will need additional support in the future.

There are many DIY estate planning tools on the market, but be aware that the wrong wording in a will or trust can significantly alter who gets your assets and how they are taxed after your death. You must also make certain that all of your beneficiaries line up on your paperwork, so that you aren’t bequeathing your savings account to one person on your signed bank forms and giving the same account to a different beneficiary in your will or last testament. This sort of confusion can also be eliminated by having a professional go over all of your policies and accounts to make sure everything is in sync.

To learn more, contact a law firm like Donald B Linsky & Associate Pa

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Injured On The Job? 3 Tips That Will Help You Avoid Problems With Your Worker’s Compensation Claim

If you’ve been injured on the job, the actions you take immediately after the incident may determine whether or not you receive the benefits you’re entitled to. Worker’s compensation is designed to provide you with the medical care and financial assistance you’ll need to recover from your injuries and survive financially while you’re unable to work. However, even a few missteps can undermine your claim and make it difficult for you to receive the benefits you’re entitled to. Here are four steps you should take that will help you avoid problems with your claim.

Report the Injury Immediately

As soon as you suffer a workplace injury, you need to report the incident. Don’t leave work without filing an accurate report with your employer. Stop by your human resource office and tell them that you need to report a workplace injury. If they don’t have proper procedures in place for you to report the incident, sit down and write out a statement detailing all the events surrounding the injury. Be sure to include the time and location of the incident, as well as the names of anyone who was present when the injuries occurred. If you were following the orders of a supervisor when the injuries occurred, be sure to make a note of that in the statement, as well.

Consult with an Attorney

Once you’ve filed your claim and met with your physicians, you’ll need to consult with an attorney. Your attorney will make sure that you receive the benefits you’re entitled to. Your employer and the insurance company are going to be looking to protect their interests, which means you’ll need someone looking out for yours. Don’t try to negotiate with the insurance company on your own. Obtain legal counsel and let them do the negotiating for you.

Follow Your Doctor’s Orders

While you’re receiving medical care for your injuries, it’s important that you follow your doctor’s orders completely. Those medical records, including doctor’s orders, will be used by the insurance company when determining your settlement. If you haven’t followed the doctor’s orders, you could undermine your worker’s compensation claim. If you’re not sure you agree with the care you’re receiving from a physician, seek a second opinion.

Workplace injuries can turn your world upside down. Make sure you receive the benefits you’re entitled to by following the suggestions provided above. Be sure to discuss any concerns you might have with your attorney, such as Hamilton Law Firm, P.C.

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Is Your Partner An Immigrant Who Wants To Live With You In America? What To Know

If you have been working in and out of the country and you want to bring home your partner that lives in another country, you’ll want to call an immigration lawyer. If you want your partner to come live with you in the states permanently, and you are strongly considering marriage, there is a process that has to be followed.

Your partner can first apply for a visitor’s visa, where they can visit the area for an extended period of time. During that time you’ll want to meet with an immigration attorney to start the process of turning your partner into a citizen. Here are a few reasons you’ll want to have a lawyer.

Paperwork  

There is a great deal of paperwork that has to be filed and applications that have to be filled out carefully. Having a lawyer to help you go over these different documents, and to fill everything out for your partner is ideal. Any flaws will get the application denied, or could force you to start the process over. If this happens, your partner could get deported.

Laws

There are going to be very strict laws that your partner has to follow while they’re in the United States. They may not be able to work, or you may have to file for a specific type of visa for them to do so. Committing a crime could be one of the worst things they could do while their application is pending. Your lawyer will make sure your partner is educated about these laws, and help if any complications arise.

Marriage Licensing

If the two of you have decided that you are going to get married during the process, or before submitting the application, your lawyer can file all the paperwork for your marriage license and help to get your new status pushed through the government records. As long as you can prove that you are marrying for love, and not for a visa, there shouldn’t be complications. 

There are a lot of different things that you have to consider when you invite your partner to move from another country to live with you. Don’t just have them get on a plane with their passport and think that they can stay at your living space without being a citizen. Eventually, they need to become a citizen of the United States and you will want to get a lawyer to work out the details.

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