Sunday, August 29, 2010

Update August 30, 2010 Update "Short Term Unemployment Disability Insurance" By Insurance Experts

If you become disabled through injury, sickness, or other circumstances and have not been able to work for a year (long term disability), then you may be eligible for social security disability insurance (SSDI) benefits. If your application is approved, you can collect the social security disablity insurance benefit until age 65 when is the time the benefit is transfered to the pension program.

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Social Security Disability SSI and Unemployment
By Linda Meckler Platinum Quality Author

Do you receive Social Security Disability SSI monthly payments. Are you working part time? Are you receiving un-employment at the same time?

When you received SSI payments every month it means you have some sort of disability either physical or mental.

If you are one of the lucky few who can maintain some sort of employment part time, you must submit your original pay stubs to the SSI office. This way the amount of money you receive monthly is correctly calibrated.

These check stubs must be turned in each month either in person at the Social Security Office or through the mail. Always keep a copy of your check stubs. Paperwork can always get misplaced.
The easiest and safest way to receive your SSI checks is in your checking or savings account. This way you do not have to worry about your check being lost or stolen.

If you do not turn in your pay stubs you are probably have an SSI overpayment. This means in simple terms you are in deep trouble. SSI wants their money back. They will start recouping their money every month. They will come up with an amount which will be removed before you receive your money. Or you may lose your SSI altogether.

If by some slim chance you are receiving unemployment while you are receiving SSI you must report your earnings to the unemployment office. This is done by including the amount of money earned on the unemployment form you feel out when you receive your checks. Then let us take it one step further. You must give SSI a copy of every unemployment check stub.

The SSI money comes from one government plan and the unemployment money comes from another plan. If you think that it is government money and your income will be automatically adjusted by the computer, you are mistaken.

When your unemployment has ended you must supply the SSI or Social Security office with the copy of the unemployment statement. Then and only then can your account be adjusted properly.

Over payments are easy to do. Be smart. If you are receiving SSI monthly payments make sure you make sure it is reported to SSI.

You can fill out a waiver form so you can appeal your claim. When you are on SSI you must be able to be able to receive enough money to survive. Meaning home and food.

Thank you for reading my article. Please feel free to read any of my numerous articles on various subjects.
Copyright Linda E. Meckler

Linda is the author of her first published book, Ghost Kids Trilogy. "Christy, 12 and her Brother Brad, 16 move into an old house and meet Ghost Kids. Adventures keep you mystified until the hunt for Pirates' Treasure. Love, Family Values and Charity burst off the pages.

New published book Fight Your Medical Insurance Nightmares!! Let me show you how. Money!!!


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Article Source: http://EzineArticles.com/?expert=Linda_Meckler

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Thursday, August 12, 2010

Update August 13 - 2010 All About "Short Term Unemployment Disability Insurance" By Insurance Experts

If you become disabled through injury, sickness, or other circumstances and have not been able to work for a year (long term disability), then you may be eligible for social security disability insurance (SSDI) benefits. If your application is approved, you can collect the social security disablity insurance benefit until age 65 when is the time the benefit is transfered to the pension program.

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Supplement Disability and Unemployment Insurance Can Prevent Foreclosures and Bankruptcy
By Marilyn Katz Platinum Quality Author

Reasons For Mortgage Delinquencies

We went right to the source to find out the major reasons that families get behind on mortgages and bills: Freddie-Mac. Almost half of the mortgage delinquencies were caused by unemployment and loss of income! The second factor that caused families to get behind on their mortgages was a family illness. An illness could prevent a wage earner from working, and while Americans may have health insurance, many are not covered for disability. A much smaller percentage of Americans were simply over extended, or actually had a death in the family.

Can We Prevent The Causes For Mortgage Delinquencies?

We cannot prevent layoffs, and it seems like we get the news every day about large companies cutting back on staff. Many American workers, through no fault of their own, find themselves out of work. This can happen very suddenly and the workers have no chance to prepare themselves.

A worker may take months to find another job, or they may have to take a job for much less money because they have an urgent need to pay bills. Even when state unemployment insurance kicks in, the amount is usually much less than the income it is replacing. A normal state unemployment check may cover groceries, but will not pay a mortgage or keep the lights on.

In the case of illness or accident, there is no way to go back to work. If the worker has no disability coverage, it can take month or years to qualify for social security disability benefits, even if the worker can qualify at all!

Private Mortgage and Unemployment Insurance Provides Peace Of Mind

If you are employed, and are responsible for monthly bills like mortgages, utilities, and grocers, then you will want to consider a private mortgage insurance policy. The plans are easy to quote and apply for online, and they will provide security at a very affordable price. If you do not have any disability insurance, this is an affordable and simply way to obtain that important coverage. Even if you do carry some disability insurance at work, you can still obtain this plan, and since you own this plan, you do not have to worry about keeping it if you lose your job!

But most important, disability and health insurance will not cover you for involuntary job loss! However, we can tell you how to do that. You can continue your life, secure in the knowledge, that even if you job ends, your financial security will be extended. You can look for the right job, instead of taking a job in a panic.

Even though these private unemployment and mortgage protection policies are easy to apply for, and do not require health questions, some limitations apply. For instance, the qualification for unemployment benefits is generally the same as the qualification for state unemployment benefits. However, even if you do not think you qualify for that portion, because you are self employed or a business owner, you can certainly take advantage of disability or life benefits with no health questions.

Make sure you talk to a licensed representative or read further to make sure they fit your own needs.

Article Source: http://EzineArticles.com/?expert=Marilyn_Katz

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