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I'm gonna take some time to discuss how and already stressful yet common place activity can be complicated further by having a disability. However, it is not an impossible task. So we will in a sense divide and conquer
Where do you start?
What are my needs?
What are my rights?
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Below is a great website to help you start looking
The host of Lets Chat Radio has been a licensed insurance benefits counselor for 6 years working in the life and health insurance markets and today will discuss disablilty insurance. Get your pencil and paper ready !
Nearly one-third of U.S. workers will become disabled at some point in their career before reaching retirement, according to a 2009 estimate from the Social Security Administration. Yet the federal agency says that 70% of employees aren't covered by private long-term disability insurance. Social Security disability benefits are available for certain disabled workers, but the average payout is only 40% of a person's income and the allowance rate for initial claims can be as low as 30% in some areas of the U.S.
Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Your most important asset is your ability to bring home a paycheck, DI makes sure that regardless of any adverse changes to your health, you are able to provide for yourself and your family. Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract. The goal of this show is to provide you with information to make an educated decision on your own. I will provide you with information regarding the major features of a disability insurance policy so that you may better understand how to read a disability insurance policy. More information contact me at firstname.lastname@example.org
No one wants to be in the horrifying position of having to apply for social security disability benefits. No one ever expects to get hurt on the job and find themselves unable to work and earn an income. But if and when it happens, will you be ready? Join disability lawyers Brian Mittman and Scott Daniels as they explore the best ways to prepare yourself for a disability or workers compensation claim in the event you need to file for it. After all, social security disability benefits and workers' compensation benefits are in place to provide benefits if you can no longer work. Don't miss out on this invaluable opportunity to educate yourself on these programs.
How often do you rely on the information of others for decision-making? What if you could look it up yourself? What if you have the option to verify? Join me, ESTRA in the second episode in Social Security Disability Series I. This is Section II. Lets begin.
Can Social Security Disability stop benefits just as any other Insurance Carrier? Yes they can, but there are rules to follow. Is the process always implemented correctly? I should say not. Therefore, check but verify is important in theses circumstances. What is the difference between SSDI and Private Insurance Carriers? Laws for justice protect SSDI insured. Whereas Wall Street intercepts fair and equitable settlements via Congressional Lobbyist. Lets get started today.
Join us for #SepsisChat, Thursday, July 31 at 1pm EST. Topic is Sepsis and Disability. Many Sepsis survivors are left with debilitating Post Sepsis symptoms. Others, multiple amputations, recurrent infections, post sepsis related illness; leading to additional surgeries. Cognitive decline, PTSD, generalized fatigue and pain are just a few symptoms. Yet, many survivors cannot qualify for Social Security, Public Assistance, Respite or Caregiver services. We will discuss this topic and tweet using the #SepsisChat hashtag. I'll briefly touch on my struggles in the aftermath of Sepsis
In a tough situation? A car wreck? No longer able to work? Faced with having to file for Social Security Disability Income? Apply on your own or use Attorney approved by SSA? How will SSDI impact ERISA Benefits? What are available options? #ESTRA starts her Social Security Disability Income Series today on Title II Federal Old Age, Survivors, and Disability Insurance Benefits .The next time asked a question, a request is made, or information is needed, know your rights and where to find answers. Let's begin.
What is the utlimate harassment and intimidation tool? Disability Surveillance. Fear is a common mechanism to move average citizens, but do you have to respond in insurer best interest or yours? Just because a company would rather keep not only your premiums but benefits after filing a claim doesn't mean you have to walk away sad and defeated. Today it is time to learn Counter Disability Surveillance 101, because bullies shouldn't get their way. Join me, ESTRA on discussing Counter Disability Surveillance 101.
A Disability Movement
Tonight we will have a new episode with Cheryl Green and talk about her new upcoming movie “Who am I to Stop It” and maybe get one of the cast members in. It’s an incredible story about survivors and their personal journeys.
As Well we shall talk about our disability movement. It has been a difficult journey for me as a person. The last 7 years have seemed like 2 life-times. I have learned so much combined with so many failures. My mission or goal was to be part of the biggest movement in history as people with disabilities came together for the greater cause, one of equity and inclusion. A place where all were welcome no matter what.
Though there have been many successes over the years, people working together building each other up and accepting each other mistakes and all. This is not without disappointment at times as we create opportunities to empower people it ends up being a boxing ring where people want to be right rather than do right. I have lost friends and support believing people will overcome. It has been one thing advocating against those who have hi-jacked our disability for profit and image is one thing but how do you advocate for those who would destroy each other to be right.
All of this combined with the constant anger of all those who are powerless in their lives who put anger in each other because they don’t believe exactly the same, or believe they invented disability and its movement. Or the anger when a contributor shares their message with too much color, or is negative everyone is so quick to judge each other.
Disillusioned, beaten and shaken like so many others out there. Makes one wonder if it’s even possible or is it just a waste of time - Listen to my rants tonight on my monolog and you tell me is it worth it and why
Let us help you navigate this treacherous road to disability. Much easier for some than others. Tonight we will be talking about how to make your road much smoother and how to overcome the many fumbles that many people make when dealing with social security, attornies and others. We are going to teach you how to win this difficult and sometimes impossible game. We are not going to encourage you to lie, cheat, steal or manipulate the system. All of the information you hear tonight is based on hard core experience and proven methodologies. If you would like to be a part of the show and have a personal story to tell about filing for disability give us a call at 646-378-1896.
The term discrimination is too often associated with racism versus disability. In addition, racism and discrimination are frequently related in the U.S. media to the victimization of African-Americans and other Non-White groups by White Americans. As a result, African-American students with mental/learning or physical disabilities are often overlooked as they face the challenges of higher education and workforce success. Dr. Applewhite is joined by Special Guest Professor Kelmer Muhammad (Educator, Entrepreneur, Author) to discuss discrimination and realistic solutions. This is a previous broadcast aired on 11-16-13 as “Students Discuss Reality of Discrimination We appreciate your one time or monthly donation of at least $5 or more to continue our radio broadcasts and help our students and Veterans with disabilities, in reaching their education and workforce goals? Visithttp://whiteappleinstitute.org and click on DONATE. Veterans conclude our show with news updates for Veterans who are students. Click on Radio to listen to episodes of the Student2Teacher ™ radio show any day of the week.”.
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