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SOCIAL SECURITY DISABILITY
by: Jinky C. Mesias
The supplemental security disability income programs are the largest of the federal programs that aid people during their disabilities. Moreover, only those individuals who have disability and meet the medical criteria may qualify for benefits under this program. Most of the people who qualify under this category are aged, blind as well as disabled people who have little or no income. The purpose of the supplemental disability programs is to provide cash to disabled individuals in order for them to meet their basic needs for food, clothing and shelter.

For people to qualify for the supplemental disability income programs, first they must have worked in jobs covered by social security. The second qualification is that their medical condition must meet the social security’s definition of disability. Furthermore, benefits usually continue until the disabled social security member is able to work again on a regular basis. There are also a number of special rules called work incentives, which provide continued benefits as well as health care coverage to help the disabled member in going back to work. However, for individuals who have been diagnosed to experience permanent disability, the disability benefits will automatically be converted to retirement benefits at the same amount.

Disability refers to the incapacity of an individual to engage in any gainful activity because of any medically determinable physical or mental injury, which is expected to last for continuous period of not less than twelve months. Therefore, people who cannot go to work because of disability are entitled to receive their supplemental security income until the days comes that they can go back to their own respective jobs.

In addition, the social security has a listing book wherein all the requirements and guidelines on how to get hold of the supplemental security income are listed. This social security listing book can provide its members with the needed information they need whenever they want to get hold of some of the social security services they are entitled to. However, for those individuals who want to take hold of their social security benefits, it is advisable to file for claim the soonest possible time since disability claims often times takes a long time to process. So many claimants have frustrating experience simply because they have failed to file their claims in the earliest time possible. The social security services aim to provide its members with worry-free benefits that would aid them during times that they are in need of it the most.

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All About Claims

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 Insurance Claims
 by: Alan Jason Smith

When you are involved in an accident insurance claims may not be the first thoughts on your mind. However, there are some procedures you should follow in order to preserve your right to file an insurance claim. This may be anything from hail damage to a stolen vehicle and does not refer solely to car accidents.

The first thing you want to do is prevention. Most insurance claims can be prevented even before the incident occurs. For instance, to prevent auto accident’s be cautious and think about taking a defensive driving course. To prevent stolen vehicle insurance claims, keep you vehicle locked up and parked in a secure place. To prevent damage from the forces of nature do not travel in bad weather and keep your car in a covered parkway. There are many ways to prevent yourself from incurring loss. Most ideas are just common sense. However, for more information contact your insurance agent for ideas on prevention. Next, you will want to remain calm. When disaster strikes people react. That is our nature. However, sometimes people’s reactions can make things worse on their insurance claims.

If you’re in a car accident this might mean taking the blame, leaving the scene of an accident, or putting your self in danger. If you’re car is stolen you may act on your reaction by accusing innocent persons. There are a number of problems that can arise when people over react that is why it is essential to your insurance claim for you to remain calm.

Now, the next thing you need to be aware of is time. You see, time is not on your side when filing an insurance claim. The longer you wait the less your chances are of recovering your loss. Most insurance companies will not even consider a claim if it was turned in a certain amount of time after the incident. It is also harder to prove the longer you go before submitting an insurance claim.

Finally, you will want to follow procedures and document everything. Insurance companies are hit with frauds all the time. In order to weed out the actual claims from the fraudulent ones, they have to have clear cut procedures. Unfortunately, this can sometimes be confusing to actual victims. Yet, they are in place out of the need to protect the company. This means that you will have to educate yourself to what the policies are. Find out what documentation you need and what forms you will have to file. If you need help, contact your insurance agent. That is what they are there for. If you follow this advice, you should be able to file a claim relatively easy and with the least amount of lag time before payment.


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