Friday, November 20, 2009

Update Nov. 20 - 2009 All About "Government Pension Long Term 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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How State Benefits Work in California
By Rainier Policarpio Platinum Quality Author

State benefits refer to any regular long-term payment from a government. This may be in the form of state pension, benefits for low income, children, careers, incapacity or sickness.
Almost all states provide state benefits to its citizen. This is given to provide assistance to disabled and less fortunate.
In California alone, an approximate of a thousand laws was enacted to provide state benefits to its citizen. The following are some of it:
California CalWORKs
This is a welfare program that gives cash aid and services to eligible needy California families. The program serves all 58 counties in the state. This is operated locally by county welfare departments. The family that applies and qualifies under this law receives on going assistance each month to help pay for housing, food and other necessary expenses.
Requirements under this Law
To qualify for this benefit program, you must be:
  • Resident of the State of California
  • Pregnant or responsible for a child under 19 years old
  • US national
  • Citizen
  • Legal alien
  • Permanent resident
  • Low or very low income
  • Underemployed
  • Unemployed or about to become unemployed
Needy families may apply for this benefit at any office located in any county where they live.
California Food Stamp Program
California Food Stamps is a federally funded program that helps people buys the food they need for good health. Food stamps are only part of their food budget; they must spend some of their own cash to buy food enough for a month.
Requirements to qualify under this Law
In order to qualify under this law you must be a resident of the state of California and must fall into one of these two groups:
  • With current bank balance under $2,001
  • With current bank balance under $3,001 who share their household with a person age 60 and over or with a person with disability.
California Head Start
This is a national program administered by the Head Start Bureau within the administration of Children, Youth and Families, Administration for Children and Families, and Department of Health Human Services. This provides developmental comprehensive services to children from birth up to entry in the elementary school. This program is designed to address developmental goals for children, employment and self-sufficiency goals for adults, and support parents in their works and child caring roles.
Requirements for this Law
To qualify for this law, you must be:
  • Resident citizen of the State of California
  • A parent or primary caregiver responsible for a child who is too young for public school
  • Household annual income before taxes must not exceed $10,400 if you have one person in the household
California Healthy Families
This law is a low cost insurance for California children and teens. It provides health, dental and vision coverage to children who do not have insurance and do not qualify free Medi-cal.
Requirements under this Law
In order to qualify under this law, you must be:
  • Resident of the State of California
  • Under 19 years old
  • Not covered by health insurance
  • US national
  • Citizen
  • Legal alien
  • Permanent resident
  • With annual household income before taxes of less than $26,000
For further information about state benefits in California, log on to our website and schedule a consultation with our expert Los Angeles Social Security attorneys.
Rainier is currently among the proud members of the Mesriani Law Group that serves clients in Los Angeles, California. He was tasked to write articles and legal contents to further enhance the knowledge of the internet users regarding Personal Injury, Labor Law, Business Law and Social Security Disability.
What Would a Truly Free Nation Look Like?
By Russell Longcore Platinum Quality Author

One day soon, the United States Federal government is likely to collapse. The cause will probably be that the rest of the nations of the world will reject the dollar as the world's reserve currency, and adopt another currency, or a basket of currencies, as their new reserve. This currency move is not just a rumor, but is already happening on a small scale. Once the nations of the world have cast aside the dollar, its value will freefall against all other world currencies.
The US government bond market will collapse simultaneously, as bond values will be heading toward zero. Those holding US bonds will be stuck with something they cannot sell. Unfortunately, that means big institutional investors like banks, mutual funds, insurance companies and pension funds will have instant liquidity problems.
This dollar crisis may also cause American banks to begin a tidal wave of defaults and bank "holidays." Banks, mortgage lenders and credit card companies would cease loaning money. That will likely mean that one day you might find that your credit cards and ATMs cards have stopped working.
This event could last for weeks or even months. After a few days (hours?), many of those without cash and food will start looting. Society could break down very quickly. Remember New Orleans just days after Hurricane Katrina. And when US Federal Reserve notes start rapidly losing value, you'll find many merchants that refuse to accept them for payment for goods and services.
Now do you see why I recommend holding gold and silver coins? Not as an investment, but as an alternative money supply. No one will reject gold or silver. Your gold and silver holdings could be the thing that keeps you alive during a catastrophe.
States may look to Washington for a solution, but Washington's solution will likely be to simply order the Federal Reserve to print more paper money. But folks will already know that paper money is becoming worthless, so won't want any more of it.
If the US federal government runs head-on into a currency collapse, it won't be in any better situation than the average citizen. Another problem they will have will be with the active duty military personnel. Soldiers aren't stupid. Will they obey orders and enforce American laws for Washington when they know they will get paid in shrinking dollars? Massive numbers of military personnel may go AWOL. This could make it easier for states to secede.
States will very shortly be forced to face inevitability. They will have two choices. Choice #1 is to stay with Washington like good little slaves. We all talk about secession a lot, but remember that most of the states of the United States were formed after the original thirteen colonies left Britain. So they have always been "owned" by Washington, so to speak. Other than the thirteen colonies of 1776, and the Confederate states of 1865, the rest save Texas and Hawaii are slave states.
Choice #2 is to secede from the Union and become sovereign nations.
The biggest challenge to state secession, in my never-humble opinion, is not Washington resistance. The biggest challenge to state secession will be from the state politicians already in office. Steeped in Washington-think, and addicted to Federal money, they may naturally default to crafting a new nation in the likeness of Washington. I hope I'm completely wrong, and that liberty lovers will prevail.
So, what would a truly free nation look like? What kind of laboratory of liberty would a state like Texas make?
I realize that many of the characteristics I'll list here are a far-away dream, but I like to dream big. I dream that all government serves the citizen, not the other way around. I dream that government will exist to protect human rights. I dream that all government would be organized upon the Zero-Aggression Principle, which says that no one has the right, under any circumstances, to initiate force or fraud against another human being for any reason whatever; nor may a person advocate the initiation of force or fraud, or delegate it to anyone else.
The new Constitution should specifically outlaw any central bank. No national currency. Gold and silver will be the only money. Federal law allows private banks to issue currency based upon only 100% reserves. Fractional reserve banking specifically made illegal.
The Constitution would drive governance down to the county level. County courts, county law enforcement, county criminal law.
Unicameral legislature based upon population in counties. No need for a bicameral legislature, one house for the people and one for the states, since this is one nation. Legislative session restricted to 140 days per calendar year. That way, no one uses the legislature as a full-time job.
Constitutional convention can be called for if 50% plus one counties call for it.
Military: Constitution authorizes Navy, an Air Force and Marines. The militia is the Army. As the various branches would only function in defense, they would not need many people. No women in combat roles ever.
5 cabinet bureaucracies are State, Justice, Treasury, Interior and Defense. No other cabinets without a constitutional convention mandate. State is the diplomatic corps. Justice includes the Federal Court system, no lifetime appointments for judges. Treasury collects taxes and pays Federal bills. Interior manages Federal lands, infrastructure like Federal roads, and includes Bureau of Standards and agricultural regulations to keep the food supply safe. Defense manages full-time military, one military academy and militia officers.
Judicial has district courts, one court of appeals and one Supreme Court. Each county has a court. Jury nullification built into the law. Codify not just punishing an aggressor, but making the victim whole again.
No social programs. No Social Security, Welfare, food stamps, rent subsidies, college loans, government scholarships, mortgage guarantees, Medicaid, Medicare. All wealth transfer schemes unconstitutional.
Sales tax will be the only revenue for the government with a constitutionally pre-set limit of 10%. Sales tax collects revenue from all who do commerce, which includes those who do not reside in Texas. No property taxes. No Federal stamp on alcohol, tobacco, petroleum, etc. Counties and cities may assess sales tax to fund services, but must get voter approval. Tax rate increases must be passed in a general referendum with a quorum of voters and a 2/3 majority. No inheritance tax. Government that is not financed by sales tax can be financed by user fees.
No tariffs, excise tax or any other tax. Almost overnight, the Port of Houston would become the busiest port in North America and the prices of consumer goods would plummet.
Term limits on all national elected offices. Two terms maximum.
The legality of Gambling, Prostitution, Alcohol sales and Recreational Drugs to be determined by each county, not the Federal government. The War on Drugs failed with the American ratification of the 21st Amendment in 1933 which repealed the 13-year experiment with Prohibition. Texans have better sense than to keep fighting a failed war.
Traffic laws: No drivers licenses. No car tags and state vehicle registration. Drunk driving only prosecuted if there is an incident of loss and liability. Just driving with alcohol in one's body does not constitute a crime.
Abortion law decided county by county by citizen referendum.
Law enforcement: Texas Rangers are the only Federal law enforcement agency. All other law enforcement organized at the county level.
No public school: all public schools properties auctioned off to highest bidders. Education privatized. Parents are responsible for educating their own children. No compulsory attendance laws.
All colleges de-funded: If a college or university cannot maintain profitability through its own efforts, it must either downsize or go out of business. With today's technology, most higher education methods and traditions are outdated and need to change anyway. The free market would force innovation.
No government-run health care system. Force the insurance companies to underwrite without individual ratings for health insurance as well as no denials for pre-existing conditions. Insurance companies already have a long history of underwriting life, health and disability insurance on a group basis without consideration for pre-existing conditions. Allow the free market to determine costs.
Immigration: Except for the Gulf of Mexico, New Texas would be bordered on all sides by other nations. A truly free Texas would be a magnet for people yearning to breathe free. Sound money and liberty would cause a stampede of individuals and businesses to Texas. Happily those who are government handouts junkies would emigrate with lightning speed back into the USA and Mexico. Allowing the free market to regulate immigration would be the best solution. Then, all Texas would have to do is design an immigration procedure and let the market speak.
I cannot imagine a scenario in which the founding mothers and fathers of the New Texas get all of these characteristics into law. But just think of what life would be like if MOST of them happened.
There are two types of people in the world. One wants to live life and not dominate others. This person embraces individual liberty and property rights.
The other want to force people to live life by their dictates. This person wishes to control groups and is the greatest enemy to liberty and property rights.
Which type of person are you?
DumpDC. Six Letters That Can Change History.
Copyright 2009 by Russell D. Longcore
P.S. WARNING!! Do Not Buy Insurance, or Submit an Insurance Claim Without Visiting This Website!
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Sunday, November 1, 2009

Update Nov. 01 - 2009 All About "Government Pension Long Term 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.

Recommended Reading
Insiders Tips For Reducing Spending
Money Saving Tips And Ideas Covers
Practically All Areas Of Household
And Modern Living Expenditure


Social Security Disability Insurance Application Forms
By Joe Palladino Platinum Quality Author

One of the most overwhelming aspects of the Social Security Disability Insurance application process is the Social Security Disability Forms that are involved in the process. Many people simply become so overwhelmed by the forms, the paperwork and the evidence that they have to provide to prove their case that they end up giving up on the entire process before they even attempt an application to the Social Security Administration.
It is important to understand that the SSA is not trying to overwhelm you with paperwork or stress you out during the application process - The Social Security Administration is simply trying to be completely thorough with the application process so that you can receive the benefits that you deserve.
When you fill out your paperwork thoroughly and provide all of the required information on the Social Security Disability Forms that are presented to you, the result is an application that is complete and thorough. With an application like this, the SSA is able to make a decision knowing that they have all of the information that they need.
What this translates into is a much faster decision. If you provide all of the necessary information and you fill out the disability forms properly, and the SSA denies your claim for social security benefits, then you still have all of the thorough paperwork on hand so that you can understand why you were denied and you can appeal your case and try again.
While the sheer amount of paperwork associated with an SSDI application may seem overwhelming at first, you have to look at it from a sense of thoroughness. The more thorough that you are allowed to be when applying for disability insurance benefits, the more likely the SSA will be to give you the benefits that you are looking for. What it really all comes down to is whether or not you are able to provide the necessary information when applying for Social Security Disability Insurance benefits. If you want to win your application, then having paperwork that isn't asking the right questions is not going to do you any good.
When it comes to applying for benefits from the SSA, do not be afraid of the required forms or paperwork. Just work with a Social Security lawyer or a disability insurance advocate that can help you fill the forms out to the best of your ability so that you can finally apply for the social security benefits that you need once and for all. Working with someone that has your best interest at heart and the knowledge to help you with your application is the right move if you want to utilize the forms for a good answer from the SSA.
While it may seem natural to feel overwhelmed by the sheer number of Social Security Disability Forms that you have to fill out in order to apply for benefits, there's a better way to think about it: Will more thorough paperwork help or harm your case when you have someone knowledgeable on your side to help you with your application?
Freedom Disability provides education and representation services to individuals interested in applying for Social Security Disability benefits in the United States. For additional information please contact Freedom Disability.
Does Social Security Disability Insurance Cover All Disabling Incidents?