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Social Security Disability: The Future of the System
Posted on 27. Nov, 2010 by 3 Wheel Mobility Scooters.
Social Security Disability: The Future of the System
Social Security Disability: The Future of the System
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Home Page > Health > Social Security Disability: The Future of the System
Social Security Disability: The Future of the System
Posted: Oct 10, 2010
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Social Security Disability: The Future of the System
By: Disability Guide
About the Author
Eugene Watson specializes in writing about Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). He spends his time researching and commenting on various aspects of Social Security Disability law.
(ArticlesBase SC #3443188)
Article Source: http://www.articlesbase.com/ – Social Security Disability: The Future of the System
Becoming disabled before retirement can be a huge financial blow. In addition to having to deal with medical bills and lost income, Northwestern Mutual states that a two-year disability at age 50 can reduce total investment accumulation by 30% at the time of retirement. The Social Security Administration (SSA) says that three out of every ten workers will become too disabled to work before they reach retirement age. Further, 7.8 million people received Social Security disability benefits last year according to SSA in its publication “Workers Insured for Social Security Benefits, 2010.” For most people, knowing that SSA provides disability benefits is a comfort. Few of us, however, know who is covered, how this safety net is funded, or how to apply for benefits if we need assistance.
Where do disability benefits come from? Disability benefits are paid by SSA from two similar sources, SSDI and SSI. In general, if you have worked and paid into the Social Security system for the required number of quarters and are suffering from a severe disability that prevents you from working, you can apply for SSDI benefits. You pay premiums for national disability coverage with every paycheck earned over your working life. However, if you have not worked for a long time, your coverage can lapse. If it does, you no longer qualify for SSDI and must apply for SSI.
SSI covers individuals who are not covered by SSDI, such as severely disabled individuals who simply cannot work, young people who did not work long enough before the onset of their disability to qualify for SSDI, and individuals who stopped working for whatever reason and allowed their coverage to lapse before applying for disability benefits. SSDI and SSI make payments to people who have not yet reached retirement age. After retirement, payments are continued under Old Age, Survivors, and Disability Insurance (OASDI).
How is Social Security funded? According to SSA, most Social Security funds come from payroll taxes paid by employers and employees. Additional income comes from interest earned by the Social Security trust funds and from an income tax paid by about one-third of beneficiaries on their Social Security benefits. In 2009, the two Old-Age and Survivors Insurance and Disability Insurance Trust Funds collected 7.5 billion in revenues, which means that at the moment, Social Security is paying for itself.
In order to apply for disability benefits, you must present medical records and a medical history giving a diagnosis of your condition and demonstrating that you will be unable to earn a living for at least 12 months or that your condition is expected to end in death. 75% of applicants are turned down at their initial hearing. 90% of applicants are turned down at their first appeals hearing.
While it is permissible to represent yourself at these hearings, it is often much less stressful and success is more likely if you allow a trained Social Security disability lawyer or other knowledgeable professional to assist you in preparing and presenting your disability case.
Despite the hurdles to receiving disability benefits, most Americans are grateful it exists and don’t understand why it is being questioned. Reasons include the fact that more and more Americans are reaching retirement age, qualifying for Social Security, and are living much longer lives than people did 60 years ago. There are also many more disability claims as the population ages. Finally, the national deficit is increasing at an alarming rate, and our representatives are looking for ways to trim the budget to pay that debt.
Almost 20% of the national budget is allocated to Social Security, making it a high-profile target for budget cuts. There is no question that the federal budget must be cut. The problem is what to cut and who it will affect. We cannot help but hope that Congress will not flip the bill upon those among us with the least means to cope.
Retrieved from “http://www.articlesbase.com/health-articles/social-security-disability-the-future-of-the-system-3443188.html”
(ArticlesBase SC #3443188)
Disability Guide -
About the Author:
Eugene Watson specializes in writing about Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). He spends his time researching and commenting on various aspects of Social Security Disability law.
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Eugene Watson specializes in writing about Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). He spends his time researching and commenting on various aspects of Social Security Disability law.
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Special type of adjustable bed is good for that special disability
Posted on 12. Nov, 2010 by 3 Wheel Mobility Scooters.
Special type of adjustable bed is good for that special disability
Special type of adjustable bed is good for that special disability
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Home Page > Home Improvement > Interior Design > Special type of adjustable bed is good for that special disability
Special type of adjustable bed is good for that special disability
Posted: Nov 04, 2010 |Comments: 0
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Special type of adjustable bed is good for that special disability
About the Author
To get the best choice of adjustable bed, electric bed and double electric beds Adjustable Electric beds shop offers the best help for anyone.
(ArticlesBase SC #3607591)
Article Source: http://www.articlesbase.com/ – Special type of adjustable bed is good for that special disability
Beds are one of the integral parts of bedrooms; therefore when you have to plan for the bedroom decoration, you have to decide on your bed type. Here in this article gather some valuable knowledge about adjustable beds. The adjustable beds were generally used in the hospitals to provide comfort to the patients. But slowly, its use spread among the common people and nowadays many people use these beds at home. Although the adjustable beds cost much more than the normal beds, they provide enough comfort. Some well known bed manufacturing companies have also started manufacturing electric adjustable bed. These special types of beds can be adjusted to any comfortable position automatically. Anyone can understand from these features, that these beds cost a lot. Many common people cannot even afford these beds. However, some companies also provide cheap adjustable beds for such people. These cheap adjustable beds are adjusted manually without the use of any motor or stuff. If you buy a good adjustable bed for your room, then you also must buy an adjustable bed mattress for the bed; only these mattresses work well on these types of beds.
People who have issues with back, knee or hip pain can also benefit from the bed because it allows them to pre determine the sleeping position they want to be in with a wide array of options. So if you are seeking a better night sleep and want to wake up more rested and ready to go an adjustable bed may be your best fit. If you provide live in care for individuals who cannot mobilize themselves you may find an adjustable bed to lighten the work load. Most adjustable bedscome in the standard bed sizes; king, queen, full, twin etcetera. The beds are typically easy to operate with new age remote controls systems and they all have dual adjusting head and feet operations. Usually these beds will have a single low voltage electric motor to allow for adjustment of the bed in addition to no flip mattresses so you are not required to rotate the top every year. The beds also offer inner high density foam, and reinforcement along the edges to prevent people from rolling off.
You can buy any type of bed that you want for your bedroom, but choosing the right kind of bed mattress is always very important. The costlier bed mattress you buy the more comfortable bed you get. Every normal person needs at least 6-8 hours of sleep every night after returning home from the day’s hard work. So, buying a good quality bed is very much important. If you buy a normal, cheap bed then you may face certain problems like back pain or neck prick after waking up. These problems can be avoided if you use an electric adjustable bed . You can adjust these beds to any position you feel comfortable; some companies have also started using adjustable bed mattresses. These adjustable bed mattresses also serve good for people nowadays.
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Charles Christine Macabee -
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To get the best choice of adjustable bed, electric bed and double electric beds Adjustable Electric beds shop offers the best help for anyone.
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To get the best choice of adjustable bed, electric bed and double electric beds Adjustable Electric beds shop offers the best help for anyone.
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The complete guide to understanding-and benefiting from-the Social Security disability system
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