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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 email@example.com
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.
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
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.
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.
Many people think about Moms when they think about caring for and advocating for a child with disability. But Dads are part of the equation as well. We will talk with Ryan Hamilton, co-founder of LifeofDad.com, and Dad to a child with autism, on his experiences as a father. We will talk about how Dads deal with disability differently from Moms, and the special role each has in ensuring a full life for their child with disability.
The Social Security Administration is under fire right now for the wrong reasons. The federal disability program is not out of control and it's solvency can be fixed with simple congressional action. Join disability lawyers Brian Mittman and Scott Daniels as they discuss the latest in disability benefits and how to maximize your chances in obtaining benefits.
What happens when you have an injury that ends your career? If you aren’t covered by the proper disability insurance you could have drastic ramifications to your income. Some disability insurance will protect you whether the injury is work related or not. Shirley Gutkowski, Host of Cross Link Radio, speaks with Craig Gussin and Jean Rockwell about different types of disability insurance.
Craig Gussin attended Wayne State University in Detroit, Michigan, where he received his degree in Business Administration. Craig also holds an advanced degree, Charter Life Underwriter from Bryn Mawr College in Bryn Mawr, Pennsylvania. He is a Certified Health Care Reform Specialist and a member of the National Association of Insurance and Financial Advisors, along with the National Association of Health Underwriters and The International Disability Insurance Society. He has written articles, conducted seminars, been interviewed on TV, Radio, in the newspaper and magazines, including the June 2011 issue of Money Magazine.
Jean Rockwell was a full time RDH for 29 years, when she was forced to retire due to a disability. Luckily, she had disability insurance, allowing her to maintain the lifestyle she had while working as an RDH. She lives in San Diego, California, and is currently working part time as an insurance agent with Auerbach & Gussin Insurance, promoting disability insurance to RDH’s. She is a co-author of an article in RDH Magazine where she examines the features of a comprehensive disability insurance policy. She also co-monitors an online group, specifically designed for disabled or injured RDH’s. She is a member of ADHA and CDHA. Jean attended Pensacola Junior College in Pensacola, Florida and obtained her Associate of Science degree in Dental Hygiene.
Love disability & Equal Rights! Dream Catchers with LesPaul
When people with disabilities fall in love our own government often gets in the way and tries to make it very hard, if not totally impossible for people just because they have a disability to fall in love, get married, and live the American dream!
Often couples with disabilities who want to get married, have to decide to shack up instead of get married, have their benefits cut, removed, or be told, it’s better for you not to get married and live together, even if it is against your own religious beliefs. This is wrong! Is time to take a stand is time for people everywhere to let freedom ring for equality for people with disabilities to live just like everyone else and fall in love and get married.
To access the show clicking the link above or dialing 424-243-9540. Toll-free inside the USA dial 855-473-3711 Toll-free outside the USA dial 202-559-7907
This will be part of tonight’s topic, and it’s a big one, so I hope you’ll call in and join in on the fun and in a serious topic, and help us come up with real solutions for people with TBI disabilities everywhere to let the Liberty Bell of freedom ring for marriage equality!
SSDI versus SSI why such a big fight with the Government
forced to live single or lose your benefits or cuts in pay
the US government versus people with disabilities
the ADA and the pursuit of happiness
Join forces with us as we fight the struggle together, one disability survivor and one dream at a time here on dream catchers. We believe that people with and without disabilities should be able to live your own life as freely as possible, whether they have a disability or not come join the fight!
Join us for a conversation with Carol Glazer, President of the National Organization on Disability (NOD), a private, non-profit organization that promotes the full participation and contributions of America’s 56 million people with disabilities in all aspects of life. NOD focuses on increasing employment opportunities for the 79 percent of working-age Americans with disabilities who are not employed.
Under Carol’s leadership, NOD has developed important new relationships with the US Army, leading employers, national and local foundations, allied disability organizations and scores of new corporate donors to NOD’s programs. She put in place NOD’s signature employment demonstrations, Wounded Warrior Careers and Bridges to Business.
We'll talk with Carol about what fuels her passion to serve the disability community, NOD's initiatives including the exciting Disability Employment Tracker, how Federal Contractors are working to meet new regulations regarding implementing Final Rule changes in Section 503 of the Rehabilitation Act of 1973, Disability Employment Awareness Month, and much more...
PA Independent Living Radio Show is brought to you by The Arc of Luzerne County. Our work relies on your support, please consider a donation so we may continue to improve the quality of life for people with Intellectual and Developmental Disabilities and their families.
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