The Vital Optional Rider – Residual Disability Rider
There are many optional disability insurance riders to choose from with all of the major DI carriers. There is one that should not be considered optional, the Residual Disability Rider. The residual disability rider can be thought of as coverage for partial disabilities, but it can be much [...]
Many people do not realize they are eligible to receive Social Security Disability Insurance (SSDI) benefits. Misunderstandings and confusing government processes prevent people from receiving the disability benefits they deserve. Unfortunately, many Americans exhaust their own savings and financial resources before finally applying for these benefits. Even worse, some people go without necessary medical care [...]
In order to qualify for Social Security Disability, you must have a certain medical condition that will prevent you from having a normal Substantially Gainful Activity (SGA) and you must meet the all the required work history and other requirements set by the SSA.
When you submit your initial application there is usually a 3 to [...]
Although most people tend to associate social security disability with adults, it also applies to children for a variety of reasons. If you are a parents or guardian who is receiving social security benefits for a disabled child, there are a few things that you may want to know about the program and how it [...]
Although social security disability benefits cover those suffering from physical and mental disabilities, it is sometimes easier for a person to receive disability based upon physical problems because it is easier to send in informative proof of the disability. Because of this case, there are quite a few things that the social security administration looks [...]
Individuals who suffer from serious disability may be forced to alter their normal life routines and may have to find alternative means of income if their disabilities prevent them from working. Many individuals who have been in serious accidents find that they can no longer perform the duties required of them by their former employment, [...]
Many American military veterans are frustrated by the backlog of disability claims that are keeping them waiting on their benefits. In the state of Oklahoma, for example, it is taking twice as long as the usual average length of time to process a veterans claim. There are currently around 7,000 unfinished claims in Oklahoma, due [...]
Becoming disabled is no laughing matter. For many it means that they can no longer hold a steady job due to their disability. The disability may be a physical one in which they cannot stay on their feet for long period of time or lift anything due to a muscle injury. The injury may be [...]
According to the U.S. Census Bureau, each individual has a 1 in 5 chance of becoming disabled at some point in life. Moreover, the Council for Disability Awareness says the average long term disability benefits last for only 2.5 years, which can leave people without a steady income for a long period of time. Emotions [...]
If you have recently become disabled, then you are probably feeling uncertain about your financial future. One of the first places to turn is to short term disability insurance, which will cover you for a few weeks, or up to six months as you recuperate; unless, of course, you became disabled on-the-job, in which case [...]
