Monthly Archives: February 2011
Assurance is a very important factor in this age where everything — from health to jobs — has become too unpredictable for comfort. This is why one of the most thriving businesses in the industry have insurance. Everyone wants to be secured and have options when it comes to the benefits in their employment.
One good example of this employment benefits is assuring coverage for yourself in the event that you have a medical condition. Know what you can receive from applying for a disability insurance so you can maximize the monthly benefits of the insurance coverage.
What is a disability insurance?
With the issue of insurance, most people are already covered with the more known and basic ones such as life insurance and pension plans. However, there is also the option of applying for a disability insurance.
Nowadays, accidents and unpredicted conditions can occur every day, which can leave you disabled and unable to go to work for a period of time. And you have to be prepared to deal with these things, especially for the breadwinner of the family. Sickness usually prevents you from working, and without an insurance program to ensure that you will still get compensation even when you are not at work is very important.
Statistics show that disability can strike anyone between the ages of 30 to 65. In some cases, it can even strike earlier for other people, and the more serious conditions can last for more than half a year. Because of this, people have to suffer from loss of valuable income.
Applying for and availing of a disability insurance is considered a must for everyone. This type of insurance was made to ensure that even if you have a medical condition that forces you to take a long leave, insurance code dictates that a portion of your income will be replaced even if you cannot attend work.
Things to remember when choosing a disability program
When choosing a disability program that you will apply for, you have to set your own criteria, which should be catered to your needs. Always consider the monthly benefits that you can get, the health providers that are part of the program, and even the basic eligibility requirements for applying.
Here is a quick grocery list of what should be found within the conditions or clauses of your disability income program:
Consider your living and working condition
The most important thing to consider is your situation. There are workers who may be part of a company or corporation and there are self-employed in their own business ventures. Some working conditions include those who may be the main breadwinner in the family who supports everyone and others who only give their own contributions to the household.
However, whatever your condition may be, it is best to apply for a disability insurance, because in the event of an unpredicted long leave from work, you will be assured that your lifestyle will not incur a major overhaul.
Know the amount of disability income insurance
One requirement to consider is that the disability insurance should ensure a payback to a considerably high or ample amount of your income. This is because in the event of disability, you will have the resources to go support yourself, so the insurance should cover your health insurance for the medical bills. Most employee-based plans are relatively inexpensive but have several limitations, and factors including occupation, age, potential lost income, and even gender can have significant effects on benefits.
Usually, an employer would replace up to 60% of your income. A complete replacement of the amount cannot be done because it will contradict with the incentive of having you go back to work after your recovery from your condition or rehabilitation. If ever you have paid the premium out-of-pocket fees, or if your employer does not pay for it, then it will be tax-free.
Benefits of the program
It is also important to note the coverage of the disability insurance. The benefit period of the program is can last from anytime between a few months to a good number of years.
The disabilities covered by the disability insurance are also a good gauge in choosing. You have to note that a disability insurance is more concerned with accident-only occurrences, so these are the only ones that are inexpensive. So you have to decide if you would want it to cover serious illnesses.
Choose the policy that works for you
Policy definition is very important when it comes to disability insurance. There are three types of this definition, the most important being the policy that covers you in the event of inability to perform material and substantial duties of your job.
The second type, called the income replacement coverage, is similar to the first, except that it is limited to the time when you can’t work during a disability. The last type is called gainful occupation policy, which is also the least expensive of all.
You must also decide if you want the policy to be non-cancellable or guaranteed to be renewable. Note that non-cancellable means that your premium would not go up and your coverage would not be lessened so long as you pay the premium expenses on the disability insurance policy. With guaranteed renewable policy, you can always renew it, but it also means that premiums can rise.
Disability insurance should be part of every professional’s plan, even at the early part of one’s career. This is because disability can strike anyone at any time, and it is always better to be safe than sorry.
Being disability is the major loss of life to an individual. You may not be able to work for lifelong and at this stage, it is essential to be financially equipped. But there are many benefits that an individual can get. Social security disability benefit is a kind of insurance, which is paid to you and your family if you are unable to work due to disability, and if you are insured.
However, to apply for such benefit, there are some strict eligibility requirements that should be met: For adult, includes, individual must not be able to perform any activity to make sure that the person is disability. To apply for SSDi benefits claim there are some procedure that an individual has to go with:
- State you current work status? If you are working and earning more than $860 a month, than sorry, you are not eligible for this claim.
- Condition of the body:
- Is the condition on the list of “disabling impairments? Social security has a list of impairments which for each body system which are so severe that you will be automatically called as disabled.
- Can you do any other type of work? if you are not able to do the work which you used to do in last 15 yrs or any other type of work then you are considered as disable.
According to the United States, Disability means, the inability to work in any substantial gainful activity due to physical or mental disability. The social security disability benefit is paid to those who have work in recent years. As far as individuals with age of 31 has different rules as they are not involved in for more year.
The SSI benefits claim are paid to those who have low income and disabled and whether or not he has worked before. An individual should apply for this claims immediate, when it is determines that he is not able to work during the last 2 month and can also lead to death.
There are some stages, which an individual has to go with while claiming social security disability:
You should not get surprised if your claim gets rejected at the initial stage. Only 40% of claim gets approval. Reconsideration is another stage where 20% of people get this claim. The third stage is the Hearing stage, where an individual has to appear before the Administration Law Judge. It is seen that, individuals who have representation of Attorney for Social Security Disability or SSi Benefits Claim have more chance of winning than those who do not represent.
Do not expect a fast approval of your claim, as it can take one year and more 3-6 months to get the decision.There are also other steps, which you can consider to take up and claim. However, this individual approach can take some time and effort, but it is not sure that the claims are accepted.
Social security is generally known as a program that uses public funds to provide a sense of economic security for the public. Motivated largely by the Great Depression, Roosevelt wanted to make sure that the events of that point in time would not occur again: many Americans out of work and the retired elderly left in poverty.
Social security is funded out of payroll taxes, this means that a certain percentage of a worker’s paycheck is automatically sent to the Social Security fund to give social security benefits to current recipients.
Also referred to as “income maintenance”, social security is a program with very strict guidelines. It ultimately ensures that the beneficiaries are those who need it the most.
Think someone you know is eligible? Read on to find out more.
Social Security Benefits: Why give Financial Assistance?
There are many reasons why Social Security programs are so important. For one, living in poverty is something that most people work very hard for to avoid. Being able to have relief of poverty will help boost morale tremendously.
Second, social protection is the concern of almost every American. The idea of social security ensures the protection against poverty and unforeseeable circumstances. Sickness, for example, or unemployment. Having social protection lets them keep their own assets and properties.
Lastly, solidarity is a basic American value. It is not the same as charity. Social security means a mutual co-operation that can be extended to the rest of the welfare state.
Social Security consists of 2 Parts
In social security, the two separate parts are the Old Age and Survivors Insurance (OASI) and the Disability Insurance (DI).
Based on information from social security, of the almost 44 million beneficiaries, only 27 million are retired workers. The rolls include 6 million dependents, 7 million survivors of deceased workers, and 4 million disabled workers.
The Old Age and Survivors Insurance grants pensions of two types:
- those who are of retirement age and
- those who are dependents of a deceased insured person
Old-Age beneficiaries are allowed financial autonomy for their retirement while families already burdened by a death in the family are spared financial problems.
Under the Disability Insurance, disabled workers who have worked in the past, or whose parents have worked and paid into the social security trust fund and are now disabled or deceased are given disability benefits. SSDI benefits are payable to disabled workers, widows, widowers and children or adults disabled since childhood.
Can You Qualify for Disability Benefits?
Qualifying for a disability and disability benefits are relatively the same. To be eligible for disability benefits, the applicant must also qualify for the Social Security Administration’s definition of disabled. A doctor’s diagnosis and detailed medical records are necessary to prove that the applicant is indeed presently disabled, with a written documentation of the duration of the disability since it is expected to last for at least one year to qualify. A qualified Disability Lawyer may also help the case and improve the chances of the approval of the application. The Social Security Administration pays a set rate for the attorney once the case is approved.
The Social Security Administration defines disability in terms of the person’s ability to work. Those who cannot work for a year or more, or those whose conditions will likely result in death, all qualify. Examiners at state agencies, in consultation with SSA doctors, determine whether the applicant qualifies through clinical evidence and examinations without meeting the applicants personally.
Mental illnesses, much like physical ones, are also considered to be disabilities. Those with schizophrenia, obsessive-compulsive disorder, manic depression as well as other disabling brain disorders are all entitled to social security.
To qualify, the individual’s monthly earned income must be less than $1,000, the SGA amount for this year. These values are adjusted every January, a process called indexing. Other than this, an individual needs to have worked and paid FICA taxes for a specified period of time to be eligible for SSDI. If the individual earns at least $1120 for three months, and pays FICA taxes, they earn one SSDI “work credit”. A total of four can be earned in a year.
The number of work credits needed to qualify depends on the age of the disability onset. Younger people need fewer credits.
- If an individual became disabled before the age of 24, they need 6 work credits within the past 3 years to qualify.
- If an individual became disabled between the ages of 24 and 31, 12 credits within the past 6 years are needed to be eligible.
- If an individual became disabled after 31, rules get a little more complicated, with those disabled from 31 to 42 needing 20 credits, and then advancing in multiples of two.
- Those who were disabled by age 44 need 22 credits,
- those by age 46 need 24, and so on.
- Individuals who are unable to work by the age of 62 or older need 40 work credits to be eligible.
When an individual reaches 65, they are now enrolled in the Social Security retirement program instead of SSDI.
Social Security Disability Benefits pay $900 a month
A cash payment and insurance comes with Medicare as well as a Supplemental Security Income with Medicaid, depending on the state. Around 2.5 million new applicants apply each year, with millions already given the social security benefits.
In 2007, $623 a month was the most that the SSI will pay for an individual. The amount varies from person to person, depending on work history, but the average is as previously mentioned, around $900 per month.
Eligibility for monthly SSDI benefits begins five months after Social Security determines the disability onset.
Disability benefits continue so long as the individual is disabled and unable to work. A periodic assessment is done to determine a possible improvement in the individual’s condition. Based on specific reasons, events or activities, the social security benefits can stop.
Applying for a Social Security Disability Insurance can be taxing
Like all disability claims, an application to Social Security should be made. This also applies to guardians and family members. The application may be done in person, through a hotline, or over the internet.
Once the application has been processed, a claim representative will now conduct an in-depth interview in person or over the telephone with the applicant and application forms should be completed. Questions of the applicant’s disability, medical history, leisure time activities and financial status will be raised.
The next step involves a caseworker from SSA and another from the state Disability Determination Service to review the case. The decision will more likely take around six months to process.
Ultimately, applying for any Social Security program will require patience and persistence. If your heart is in the right place, there is no doubt that the Social Security Administration will see that.
The Supplemental Security Income disability or SSI disability program ensures that people of higher age group (above 65 years) or seriously disabled people of the lower income group are getting a certain amount of financial aid to sustain them properly. This fund program is supported through the general tax revenues. This program started in 1974 and since then has helped people with disabilities by providing them with financial aid so that they are able to lead a normal life. To avail the benefits of this program you will have to fulfill certain criteria that will determine if you are eligible for the program.
The best part of the SSI disability program is that you need not have a prior work record to apply for this benefit. For the Social Security Disability benefit program, you need to have certain prior work experience in order to apply for the benefits. However, in case of Supplemental Security Income disability, you do not need to show any prior work experience. To qualify for the benefits you have to be either a person suffering from disability that has put constraints on your income options, your participation in various social activities and limiting you in several other ways. You might require financial help for treatment and as well as in leading a normal life, that might be beyond your reach at your present income scale.
You are also eligible if you are 65 years of age or older and do not have the basic requirements to sustain yourself. Moreover, you will also have to be a resident of the United States without leaving the country for more than a span of 30 days at a time. You can avail the SSI disability help for an amount equivalent to $637 monthly if you apply for individual help. However, you can get an amount of $956 as monthly help if you apply as a couple. There are two types of SGA available that you are required to qualify are the Significantly Gainful Employment and the Substantial Gainful Activity. If you are unable to indulge in both of these then you can surely apply for the SSI disability benefit.
You must understand that the SSI disability benefits are for meeting the basic requirements of food, clothing and shelter. Since this fund is for purely supporting those people with disability that leads to little or no income the amount adjusted for helping is limited. This is to ensure that the help reaches out to maximum number of deserving people. You can go through the various types of rules and regulations regarding the SSI eligibility to get to know more about it. You will be glad to know that the amount that is disbursed goes through adjustments every year to stay up to date regarding the present living cost.
This disability assistance is a wonderful program that ensures the well being of the aged and disabled population of the country and ensures proper care and financial support for them. This is possible only because of the tax that the government collects from the general population. Thus, we can do our entire bit to ensure that this humanitarian program continues with success year after year.
There are equal benefits to disabled children, as children right from born get into this disability. However, somewhere it is difficult to provide disability benefits to children as the condition could vary. For example, if a child is suffering from Asthma, it will affect his growth. This will prevent him from participating in day-to-day activities. When such child is applying for SSI disability procedure, the condition of the child and the attack might be high. But at the time of hearing, situation may lessen and the child may be in good condition.
In case of child disability, family applying for SSI should have the total income of $2000 or more. Later the payment to the disabled child is done on the monthly basis. But later when the Childs age reaches 18, this scheme is discontinued as the new adult category is listed and new disability benefit is listed.
Availing for the above-mentioned schemes will somehow reduce you daily chaos of problem as well as your financial difficulty will also be improved. Moreover, make it sure that disability benefits are worth enough to reduce your difficulty. Although, you need to give some effort to avail this benefit, but later you are going to get benefited. So gather some more information from online or through your friends, relatives and get some disability benefits.
Children with disabilities can be found in all parts of the globe. These children are nothing different from any of us. The way they look, feel and behave is exactly how normal children would. The only difference being that these children are unable to do a few things as naturally as the other children. However, thanks to the development in medicine and technology that most of these children with disabilities end up overcoming their problems.
The earlier the disabilities in these children are detected, the easier it is to treat them and help the child lead a normal life. A child may be dealing with medical problems (dwarfism, asthma, diabetes, cancer, heart defects etc), developmental problems (autism, mental retardation, down syndrome etc), learning disabilities (Central Auditory Processing Disorder, Dyslexia etc), behavioral problems (Tourette Syndrome, Dysfunction of sensory integration etc) or mental health issues (anxiety, depression etc). The problems faced by these children with disabilities can range from minor difficulties in learning to serious terminal illness to occasional panic attacks. The understanding of the level of problems that a child is facing is important in order to determine the kind of disability services required by him, estimating the progress, setting goals and understanding the condition of the child.
Every child has its own distinct problem, which has to be cured by making use of a different method of therapy. It is said that the condition of no two children with disabilities is the same. These children are also known as ‘special children.’ There are a few things, which these children cannot enjoy, like other normal children. This can cause serious trauma to the parents. These restrictions may be in the form of restricted food items, banned activities and experiences to be avoided. However, the parents of children with disabilities should remember that their children are as unique as any other child is and most often there is an amazing talent that accompanies a certain weakness.
It is not only these children but also their parents who need to be constantly assured that their child can overcome his disability and lead a life as fulfilling as anybody else. The parents should take special care of such children and be supportive to their needs at all times. They should seek professional help as soon as they notice any possible signs of disability in their child. If there is a disability diagnosed, they should take it in their stride and research on the various ways to help their child out of the disability. The children with disabilities might be a little more stubborn, aggressive and rebellious as compared to the other children but their parents must be as compassionate and patient as possible while interacting with them. Right decisions by the parents with regards to the therapy, professionals, hospitals and medication can prove to be very helpful in the recovery of children with disabilities.
Developmental problems are amongst the most commonly diagnosed disabilities in children. Most of these problems are birth defects and affect the functioning of one or more body parts of the child. These problems are also commonly referred to as functional birth defects. Developmental problems can be of various different types such as nervous system disabilities, which can affect the functioning of the spinal cord, brain and/or the nervous system like autism, down syndrome. Again, there is sensory related disabilities, which are related to complicated defects at time of the birth like Williams Syndrome and fragile X syndrome. You might even see metabolic disorders that affect the metabolism of the body like hypothyroidism and phenylketonuria. Again, there are degenerative disorders, which cannot be diagnosed at birth, but show symptoms only later like Rett Syndrome.
There are a lot of different therapies that have proven to benefit children with developmental problems. The children who suffer from down syndrome can make use of speech therapy and in some cases surgeries can be conducted to correct heart defects. For children with autistic patterns, a combination of speech, social, physical, emotional and language therapy can be used. There are daily oral hormone treatments that are given to children who have hypothyroidism. Amongst all the other forms of difficulties in children, it is the developmental problems that are the most serious as they affect the most crucial and central parts of the human body.
There are no peculiar symptoms of children having such problems. However, if parents of growing children notice any irregularities in the learning capabilities of the child, they should immediately get the child checked for any kind of such developmental problems. It is said that children with these kinds of defects do not recover entirely by timely diagnosis and assistance can help them overcome their disability to quite an extent. Apart from the medical aspect of it, there are also a lot of social, psychological and emotional problems that are faced by people with these developmental problems. The unfortunate fact that these special children cannot perform all the tasks that normal children can perform so easily makes them an object of discrimination. As a result of this, they end up having low self esteem and lack of confidence. It is required that the parents of these children should be supportive at all times and encourage these children in everything they take interest in.
As far as the functional abilities of children with developmental problems are concerned, there can be no generalization. There have been instances where these special children have performed better than normal children. Hence, it can be said that the combination of medical therapy accompanied by strong support by friends and family is the key to making a child with developmental problems s close as normalcy as possible.
Intellectual disability is a condition, which develops at birth time or in the early infancy stages. In this state, the child is unable to perform various mental functions normally like communicating with other people, socializing and looking after himself. If such children are compared to other children, it is evident that these special children learn and grasp things at a much slower pace than the others. These children also have problems with basic activities like eating, dressing up, talking, walking etc. there are a variety of causes that lead to these kind of disabilities in children. In case of disabilities, similar to fragile X syndrome or the Down syndrome, there is an abnormality in the genes, which the child has inherited from his parents. Intellectual disabilities can also be a result of complications during pregnancy. A woman, who smokes, drinks or has had a rubella infection during her pregnancy, can have a child with such abnormality. Another reason for such problems is having difficulties at birth like the lack of oxygen.
When these children with intellectual disabilities are put to school, they find it difficult to learn what is taught to them. Even if they end up learning, the time required to teach them is substantially more than that taken to teach other children. It is hence, advised that as soon as parents become aware of their child’s disability, they should put the child in a school for special people. The faculty in these schools is trained to teach students with intellectual disability and the company of other children undergoing the same problems makes the child feel comfortable.
It is to be noted that these problems faced by children are not due to a disease that they caught from someone else. Such disabilities cannot be passed on from one person to another. They are a result of serious problems during the birth of the baby. Intellectual disability is not caused due to any kind of depression or mental sickness. Unfortunately, no child with this kind of disability can be cured completely but that does not mean that these children cannot do well for themselves in life. There are a lot of children with intellectual disability who grow up to be successful in what they do. Statistically, 3 out of every 100 people have this defect and this condition is prevalent all over the world. In a lot of cases, special children have learning abilities that are just a little lower than that of an average child. The children with intellectual disability are more vulnerable to depression and poor self-image. In such cases, parents and teachers can help the children overcome their disability and make efforts to lead a happy life. Parents should involve the children in household chores and encourage active interactions.
When you talk about people with disabilities the picture that instantly comes in your mind are people with serious physical disabilities. However, the term includes a lot more. According to World Health Organization, this term includes all those who not only suffer physical disability but also disabilities that enforce activity limitations, participation limitations and other forms of impairment disabilities. Personal growth impairments are also considered as disabilities. It is important that you understand all these different aspects in order to know the importance of the situation.
People with disabilities of such kinds which you cannot perceive with your eye also require special care and attention and also our attention. You need to understand the effect that these disabilities cause to the person suffering from them. Some of these disabilities might be from birth, however, you will surely come across various disability scenarios where the person affected by the disability had either met with a recent accident or has undergone some serious illness that has rendered the person with the disability.
The issues related to disability is not merely the fact that the person is suffering from certain restraints in physical or mental or social aspects but it goes beyond this point in concern about the livelihood of the person effected with such disabilities. Governments and global organizations like the WHO are trying to find the solution to help these persons with the proper means of sustaining themselves.
Special movements for the people suffering from disabilities have been started to ensure that they are able to get the proper help and support that they deserve. These movements ensure that not only help and support is provided for a short term to these people but a long term solution is also available to them to ensure they are able to live a proper life by sustaining themselves. The several programs that are there to help physically, mentally and socially impaired persons include educating them about the different options that are there that they can choose to earn a livelihood and also to live with dignity. Education is also necessary for self care in certain situations where the people with disabilities must learn to take proper care for themselves and their conditions. It is also important t see that these people suffering from these disabilities are able to lead a proper social life and communicate with others properly.
At times, the disability that the person is suffering from is such that it might become a problem for communication. These disabilities include hearing disability, vision and speech disability and sometimes mental disabilities like cerebral palsy. In such situations it is important to understand the nature of the disability as well as the consequences. Apart from these issues these organizations also help people with disabilities to a normal domestic life, effective communication and at times financial aid. Without the proper care and help, it is next to impossible to help these people and it is essential to help them not only because they are part of our community but also because they are part of the humanity.
You might have heard of people with disability whether it is physical or mental, they suffer a lot. It is too often that child to suffer from development disability both in physically and mentally. Certainly, there are some remedies to overcome this disability. These physical disabilities can hamper individual life and reduces the working ability of the person.
Impairment in mobility is one type of disability that some individual suffer. This physical disability includes upper limb disability and disability of co-ordination of various body parts. Impairment disability can be congenital or acquired with the age. People who have broken skeletal structures come under this category.
Spinal cord disability is other type of physical disability where spinal cord injuries can lead to lifelong disability. These injury causes due to meeting with severe accident. Spinal cord injury can be complete or incomplete. In complete spinal injury, there is complete loss of sensory organ; whereas in incomplete spinal injury, the spinal are not completely lost.
Brian disability is another type of disability, which occurs due to brain injury. This injury can be sometimes severe, moderate or can mild. Anyhow, it affects the function of brain. Brian injury can be broadly described as Acquired Brain Injury and Traumatic Brain Injury. Acquired brain injury are formed rite form birth and is not the hereditary disability; whereas Traumatic brain injury can effect emotionally and behavioral disturbance.
One more kind of disability is the Vision disability where the person losses his eyes site. There are millions of people around the world, who are affected by vision disability. This type so injury can lead to permanent loss of eyesight. Some of the types of vision disability includes, scratched cornea, scratched sclera, dry eyes and corneal graft. However, as the advancement of the technology vision, disability can be brought to normal and there are some cases, which got positive reply.
Hearing disability is one type of physical disability where a person losses the power to hear. There are cases where person with fully deaf or partially deaf. People with partial deaf use hearing aid, which helps them to hear. However, people with full deaf come under severe deafness case.
Cognitive disability is type of disability where a person is suffering from dyslexia and various learning disabilities. People with dyslexia suffer in learning ability but with the proper treatment, this disability can also be treated.
These physical disabilities can be treated if the person is properly guided under medications. There are many hospitals and doctors out there, who have achieved some success while treating these disabilities. Apart from this, there are many medical website, which offers medication for different types of disabilities. Apart from it, proper doctor guidance and actively indulging to that guidance is the key to gain success against this physical disability. There are some physiotherapist, who can treat children and adult suffering with disabilities.
In the case of children with physical disabilities right from born, can be prevented by having proper diet before and during pregnancy. So that the child can be free from any kind of disability.