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Archive for November, 2012

Benefits Of Private Disability Insurance

When it comes to protecting our future, financial security is one of the main aspects. One of the biggest threats to financial security is often a hidden risk, disability. The inability to work can strike anyone at anytime, which is why having disability insurance is so important.

Private Or Government

Private disability insurance is one of the most ignored options among Americans today. While the Social Security Disability Insurance (SSDI) program is available to help people in their time of need, the truth is that it can’t help everyone and its own future is in jeopardy in the coming years.

The benefits of private disability insurance can be far reaching. Not only can it ensure you continue to receive financial assistance in the event of an accident or illness, but the coverage exclusions are generally less than government based assistance. With an average wait time of six or more months for SSDI benefits, private disability coverage can keep you out of financial trouble while you wait.

Although many people assume private disability insurance is expensive, it is actually quite affordable. If you work for a large employer that offers benefits, chances are you can obtain a policy for just a few dollars a month. Even paying out of pocket can often range anywhere between $50 and $100 a month, a small price to pay to reduce your risk of financial hardship if the unexpected happens.




Disability Insurance and Veterans

For many Americans suffering disability and illness, the Social Security Disability Insurance program can be their only lifeline to financial help. However, the program is backlogged with applicants and many people spend a year or more on a waiting list for approval. Even then thousands are denied disability benefits. For veterans, this scenario is all too familiar as many sit for months hoping their benefits will come through.

Slow Services

Veterans can receive benefits under either of two programs, SSDI and U.S. Department of Veterans Affairs’ Disability Compensation Program. In most cases, veterans choose the VA program as it tends to have an higher acceptance rate and increase benefit funds than does SSDI. However, a recent report suggests that nearly 900,000 veterans with disabilities are currently awaiting approval for benefits.

A report released by Allsup documents that the VA disability program is severely backlogged, indicating that the recent surge in applications is to blame. At the end of 2011, 3.4 million veterans were receiving disability benefits under the VA program. There has been a 50% increase in applications since the end of 2008. In 2012, the VA program processed more than 1 million disability claims of veterans.  The average wait time is reported to be 259 days from the time of application to the time of decision.

In order to rectify these issues, the Department of Veterans Affairs is urging veterans to take additional steps, including:

  • Seeking help with determining eligibility prior to filing.
  • Obtain a doctor’s agreement on the nature of the current disability, to be submitted with the application.
  • Have organized documentation of diagnosis, treatment and prognosis of the current disability in hand.
  • File as soon as possible.

For more information, visit:


Disability Benefits For Kids

benefits for childrenMost people who receive Social Security benefits also have dependents that count on them for living essentials. Obtaining benefits for children can be tricky and, often, requires additional documentation before benefits can be approved.

Protecting The Children

Social Security Disability Insurance for children seems counterintuitive in that to be eligible for disability benefits, one must have worked enough years to contribute taxes into the pool of funds. Since children under the age of 18 have likely not met this requirement, they must apply for benefits under the working status of a parent. Further, the child must be able to meet the conditions of being “disabled”,  meaning they are blind or hold a condition that prevents them from earning a living.

Children may also be able to receive help in the form of Supplemental Security Income benefits, but the qualification standards are different from disability insurance. The main determining factor for children to receive SSI benefits is that they have a physical or mental condition that severely limits their ability to earn a living, and be in financial need. Because SSI funds are not based on contributed taxes in a prior work history, they are reserved for only those with significant income and resource restrictions.



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