Update Feb. 21 - 2010 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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Who Qualifies For Medicare? A Look at Medicare Eligibility Requirements

By Jackie Jones

A majority of persons over the age of 65 and are citizens or have established permanent residency in the United States will most likely be an eligible candidate for free Medicare hospital insurance. You will be eligible at or beyond age 65 if you fall under the following categories:

• You either are a recipient or are eligible to be a recipient for Social Security benefits.
• You either are a recipient or are eligible to be a recipient for railroad retirement benefits.
• Either your spouse (living, deceased or otherwise) or you paid Medicare taxes while you were working in a government job.
• You are a dependent parent of a person who paid Medicare taxes while working in a government job.

If, for any reason, you do not fall under the categories above, you may still have the ability to receive Medicare hospital insurance by choosing to pay a preset monthly premium. However, you must sign up for the hospital insurance during the designated periods of enrollment. Please note that to receive full benefits when you need them, you should enroll yourself in Medicare several months before you turn 65 officially.
If you are under the age 65, you may still be eligible for free Medicare hospital insurance if you fall under one of the following categories:

• You have either received or been eligible to receive Social Security disability benefits for at least 24 months.
• You have received a disability pension under the railroad retirement board and/or you have met certain conditions.
• You are effected by Lou Gehrig's disease.
• You have been employed in a government job where you paid Medicare taxes and/or you have met the conditions of the Social Security disability program.
• You are either the child or the widow(er) and you are age 50 or older of a person that has been employed in a government job where Medicare taxes were paid and/or the person had met the conditions of the Social Security disability program.
• You suffer from permanent kidney failure and are a recipient of maintenance dialysis and/or a kidney transplant.
• You either are a recipient or are eligible to be a recipient for railroad retirement benefits.
• You have been employed for a certain period of time in a government job that is covered by Medicare.

To Learn More About Medicare Eligibility and Benefits Download the FREE 120+ page book on Your Medicare Benefits at http://medicareforums.org/confirm/ Today!

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Update Feb. 02 - 2010 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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Part A. SSDI Benefits to Compensate For Income Loss

By Suzanna Laker

Loss of income is a serious concern for people who are unable to work because of a disability. However, there is help available. The Social Security Administration (SSA) provides disability benefits for qualifying individuals who can no longer work because of their medical condition.
Disability compensation is calculated from lifetime average earnings that could range from below $600 to more than $2,000 per month, depending on a person's work history. If you are out of work because of a disability you could qualify for Social Security Disability Insurance (SSDI) benefits.
SSDI Qualifying Factors
What are some of SSA's qualifying factors for approval?
You must have an SSA-qualifying medical condition.
You must have worked approximately five out of 10 years from when you became disabled and have paid into the Social Security System through FICA taxes.
Your disability has kept you from working for at least 12 months, or may result in death.
Your condition is preventing you from earning above the level of substantial gainful activity (SGA) of $940 per month ($1,570 if you have a visual disability).
That is the short-list of determination factors. There is a whole lot more to know, which you can learn about on the SSA Web site. Once you get through the SSA application process, and you get approved for disability benefits, you can expect your first monthly cash payment approximately six months after the established date of disability.
Disability Income-How Long and How Much?
You receive disability income for as long as you remain unable to work or until you reach full retirement age and can take your Social Security retirement benefits. You shouldn't expect to get an increase in disability compensation if your condition worsens. Your cash payment is not determined on the severity of your disability. It is determined by how much you have earned throughout your working years. Your cash benefit may get reduced, however, if you are getting disability income from other government sources, such as Workers' Compensation or other federal, state or local government agencies that provide civil service disability benefits, or disability retirement benefits. If you are getting Veterans Administration benefits or are receiving a private pension or private insurance disability payment, your SSDI cash amount is not affected.
The Social Security Disability Insurance program was established to help people with disabilities get through financial hardship. If you can't earn a living because of a disability, SSDI insurance is a good option for you to consider. You can apply for SSA disability compensation benefits, either on your own or with the help of professional Social Security Advocates or Attorneys. Experts who understand the SSDI program can guide you through the application process. Once approved, it will be a relief to know that you can expect a steady flow of disability income every month.

Freedom Disability an SSDI advocacy group provides individuals living in the United Sates with education and representation services for Social Security Disability benefits. For additional information on SSDI Benefits please contact Freedom Disability at: (866) 761-5942.
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Part B. Defining Veterans Disability Benefits

By Matt Murren

If you are a disabled veteran and are unable to work, then it is wise for you to apply for veterans disability benefits. In order to qualify for these benefits, you must have a disability that is service-related and be honorably discharged from military service. Another eligibility requirement is that you served at least 90 days of active military service, including at least one day of service during a war time period.
The amount you can receive varies considerably and ranges from just over $100 to more than $3000 per month. Disability compensation depends on a couple of things - how severe your disability is and how many dependents you have. Other things such as loss of a limb, dependent makeup and disabled spouse also come into play when your benefits are calculated.
Applying for veterans benefits requires that you complete government form #21-526. This form, called the Veterans Application for Compensation or Pension, requires that certain information be included when you submit your application. This information includes dependency records such as marriage licenses and birth certificates and medical records substantiating your disability. You many also be asked to submit your discharge or separation papers. There is an online website, http://vabenefits.vba.va.gov/vonapp that you can use to apply or you can call toll-free at 1-800-827-1000 for further assistance. s.
A VA pension for veterans is available for wartime veterans who have a very small income or no income at all. To qualify, the veteran must be age 65 or older or under age 65 if permanently or totally disabled. The Aid and Attendance or Housebound benefit bill allows some veterans to be paid additional money if they are very seriously disabled.
Veterans disability benefits are readily available for qualified military personnel. The military often denies disability claims but it does have an appeals process in place. To appeal, you must complete a Notice of Disagreement. It is also advisable to hire an attorney at this point to increase your chances of being approved.

Matt writes more about veterans disability benefits at http://www.disability-benefits-advisor.com/veteransdisabilitybenefits.html

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