Many of us worry about our health insurance plans. You can hear it in discussions, and you can read it all over the news. We want to make sure our medical services get covered in case we get sick or hurt. However, we hardly ever think about replacing our incomes in case that same illness or injury makes it tough for us to go to work and get paid! Have you thought about how you would pay bills if you lost your job?
This is a crisis facing us all. As we become adults, or parents and grandparents are entering old age. If they haven’t taken care of themselves, they can quickly turn into burdens. Their small requests for help become more and more frequent, especially if they have lost a spouse or significant other. Many times they might be just enjoying the additional attention and company.
He had been lying there for 38 years. Unemployed, not carried by talking products for the blind, eating only what people gave him, his only source of security was the hand-me-downs from the community. His only income was gotten from begging. That was his profession.
Let your doctor or other health care professionals know that you are applying for disability and that they might be receiving a request for records or some forms to complete. Ask them to please send records or complete any forms as quickly as possible.
They will want to know where you went to school and what level of education you have. They will want to know if you were in special education classes or if you needed special help at school because of your disability. They will want to how if your condition interfered with your ability to get an education. For instance, did you have to miss class a lot because of your condition?
It usually takes anywhere from two to four months to get a first decision. If you get turned down the first time, you can request a review, which will take another two to four months. If your claim is not approved on review, you can appeal, which means you will have a hearing. It can take six months or longer to get a hearing.
There are many such riders to your whole life insurance policy that are not worth a dime a dozen. We’ll look at one such rider to buttress this point: Accidental-Death rider or Double Indemnity…
Once you have graduated from law school, start preparing for bar association exam in your state. This exam is based on checking your understanding of federal and state law. Don’t take this test easy as many of the lawyers find this exam the toughest.
