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May is Lupus Awareness Month. More than 1.5 million Americans suffer from lupus, but it is difficult to know how many people actually have this chronic disease because a wide range of symptoms exist and vary greatly from person to person. Lupus often goes undiagnosed.
COBRA Coverage and Disability
Losing your job because of a permanent disability does not necessarily mean you lose coverage under your former employer’s group health plan. You may have the right to elect COBRA healthcare continuation coverage under the plan.
SSDI Benefit Payment Options
In the past, most people received their Social Security Disability Insurance (SSDI) benefits as a check that came in the mail. Those days are over. Soon the government will require everyone who gets Social Security benefits to receive electronic payments. There are two options for receiving electronic SSDI payments, direct deposit or debit card. Each of these payment options has pros and cons which are discussed here.
Allsup Study: Income at Risk Q1 2012
Allsup is a nationwide provider of Social Security disability, Medicare and Medicare Secondary Payer compliance services for individuals, employers and insurance carriers. During the first quarter of 2012 they examined income risk factors for individuals with disabilities.
The SSDI Process
There are four levels in the Social Security Administration's (SSA) review and award system for Social Security Disability Insurance. These levels are outlined in this article.
Sarcoidosis and SSDI
Sarcoidosis is often a hidden disease sometimes misdiagnosed as asthma or another respiratory illness. The fatigue and chronic pain that some patients experience when living with sarcoidosis can make working impossible. In these instances, there are disability programs to help. Filing for SSDI benefits can be a challenge, but help is available from Social Security disability representatives who specialize in Social Security benefits.
Understanding Medicare Part D Plans
One of the most confusing aspects of Medicare is prescription drug coverage, of Medicare Part D. Whichever prescription drug coverage you are selecting, it is important that you understand how Medicare Part D works.
Understanding which Medicare options work best can be time-consuming, confusing and frustrating without sufficient guidance. Allsup Medicare Advisor simplifies the Medicare plan selection process.
Tax Benefits for Those with Disabilities
If you suffer from a disability that keeps you from working, you also have a limited income. Fortunately, the federal government offers tax relief for people with disabilities. Taxpayers with disabilities, and parents of children with disabilities, may qualify for a number of IRS tax credits and benefits. If you or someone on your tax return is disabled, you may qualify for some of the following tax benefits:
International Rare Disease Day
A rare disease is defined as one that affects fewer than 1 in 200,000 people. Sickle cell anemia, Asperger’s syndrome and Lou Gehrig’s disease are all examples of well known rare diseases. Estimates are there are more than 7,000 rare diseases. Even though considered rare, hundreds of millions of people around the world are affected.
Medicare Prevention Screenings
Health screenings are preventative maintenance that keeps you feeling your best by improving your health and quality of life. There are a number of health screenings you should get on a regular basis to help you prevent diseases and to detect illnesses early for easier treatment and a better prognosis. If you are covered by Medicare you will discover that quite a few of these preventive screenings are covered.
Generic Drugs vs. Brand Name Drugs
No one wants to pay more for something than they should. Every pill counts at the pharmacy and the costs can add up quickly. With the rising cost of healthcare, it is important to save when you can. Taking generic medications when possible can save you a lot of money, sometimes up to 80 percent less than the name brand drug.
Should I Get Help When Applying for SSDI?
You are not required to have disability representation when applying for Social Security disability benefits. However, people who apply for SSDI on their own quickly realize that it is not easy. Statistics show that people who have representation for their Social Security disability claims have a greater chance of being awarded benefits than people who go it alone.
How Much Can I Earn and Still Collect SSDI?
It is possible to work while collecting SSDI, but there are rules that apply during that time. The Social Security Administration (SSA) encourages you to go back to work and offers a Trial Work Period (TWP) that allows you to test your ability to work. The SSA gives up to nine months, during a specified five-year period, to try working while still being considered disabled and collecting your SSDI benefits. Any compensated work you do, whether part time or full time, is deemed to be work.
Choosing Disability Representation
The Social Security disability application process is complex, so it is highly recommended that you get representation early in the process in order to have the best chances for your own disability claim. With the right advocate working for you, you are in a better situation to receive the benefits you deserve more quickly.
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