Tuesday, July 20, 2010

Update July 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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Can Disabled People Get an Early Retirement Pension?

By Clifford Young

Can disabled people get an early retirement pension? To be healthy and then suffer a disability that keeps you from doing everything you used to can break your heart and break your spirit. But most people to whom this unfortunate thing happens cannot afford to wallow in self-pity - there will be hospital bills to worry about, and then, the question: can disabled people get an early retirement pension?
To answer the question, "Can disabled people get an early retirement pension?" you have to take into account certain factors. The first is how long the person has worked in the organization. This can differ according to the state the person worked in and according to the company. The maximum limit that can be set on this is five hundred hours in the twenty four months prior to the date of disability or one thousand five hundred hours in the sixty months prior to the date of the disability.
There are some other factors that need to be considered while answering the question, "Can disabled people get an early retirement pension?" One is the extent of the disability. A person can only get an early retirement pension if he or she is completely and permanently disabled, with a mental or a physical impairment that keeps him or her from doing any kind of work in any employment. This has to be certified by the Social Security Organization. It must also certify that the person is not expected to recover and become employable.
So can disabled people get an early retirement pension if they can no longer function in the position they used to fill, but they are no eligible for social security disability benefits, because there still are some kinds of work that they can perform? Well, this is a question to which the answer, again, differs from state to state and from organization to organization. Some organizations, if the person fulfills the necessary stipulations, declares the person eligible for early retirement pension. Some others do not.
Once the person is declared eligible for the early retirement pension, he or she will be eligible to be paid the same amount that he or she would have been paid if he or she had retired at the normal retirement age - other early retirement stipulations do not apply.
However, if at any point the person stops being eligible for social security disability benefits, the person will stop receiving the pension.
Clifford Young is an accomplished niche website developer and author.
To learn more about retirement [http://www.youretired.com/can-disabled-people-get-an-early-retirement-pension/], please visit You Retired [http://www.youretired.com/] for current articles and discussions.

Saturday, July 3, 2010

Update July 03 - 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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How Much Can I Get From 2009 Social Security Disability Benefits?
By Matt Berry

How much will the SSA grant in supplemental income, and what benefits can you receive?
When you or a family member is unable to work due to a work-related injury or a severe medical condition, you can apply for Social Security benefits from the Social Security Administration.
How soon, and how often, will I receive Social Security disability benefits?
Once your application is approved, you will start receiving benefits in about 6 months. You will receive your Social Security benefits on a monthly basis.
How much will my benefits be?
The amount of your monthly disability benefits is based on your average lifetime earnings. You can get an estimate of your benefits from the SSA's Benefit Calculator on their website. For guidance, below are the 2008 v. 2009 Social Security disability thresholds:
- 2008: Substantial Gainful Activity (SGA) - Non-Blind ($940 / month), Blind ($1,570 / month), Trial Work Period ($670 / month)
- 2009: Substantial Gainful Activity (SGA) - Non-Blind ($980 / month), Blind ($1,640 / month), Trial Work Period ($700 / month)
What kinds of benefits can I get?
In addition to a monthly amount, you may be eligible to receive other benefits. Additional Social Security benefits that you may be eligible for are:
- Supplemental Security Income (SSI) if you are 65 or older, blind, or disabled
- Food stamps
- Medicaid
- Medicare (after 2 years)
- Services under the Ticket to Work Program (allows you to go to work to earn more money)
When do I get Medicare coverage?
You will get coverage after you have received disability benefits for 2 years.
Is my family eligible to receive benefits?
Yes. Certain family members may qualify for benefits. They include:
- Your spouse, if he or she is 62 or older
- Your spouse, if he or she is financially supporting a child of yours who is either disabled or under the age of 16 younger
- Your child, if he or she is under the age of 18 and in school full time
- Your child, over the age of 18, if he or she has a disability that started before age 22
How much can a family member receive in benefits?
Each family member may be eligible for a monthly benefit of up to 50% of your disability rate.
Adjustments to your benefits:
Your Social Security benefits may change as necessary. Your benefits may change or be stopped if:
- The cost of living has gone up (in which case, your benefits would increase)
- Your medical condition improves
- There is any change in your ability to work
- You get married or divorced
- Your citizenship changes
What may cause my Social Security benefits to be temporarily or permanently stopped?
- You have an outstanding arrest warrant
- You are convicted of a crime
- You are also receiving Railroad Retirement benefits
- You earn more than $980 or more per month ($1,640 if you are blind)
- You violate a condition of your probation or parole
What may cause my Social Security benefits to be reduced?
Your Social Security disability benefits may be reduced if you receive other government benefits.
Your Social Security benefits may be reduced if:
- You are receiving workers' compensation
- You work for an employer that does not withhold Social Security taxes from your salary (Windfall Elimination Provision)
- You receive a pension from a federal, state or local government based on work where you did not pay Social Security taxes (Government Pension Offset)
Social Security Attorneys and 2009 Social Security Disability:
What 2009 Social Security Disability changes will occur? A Social Security Disability attorney is an expert on disability law. Hiring a disability lawyer helps improve your chances of winning disability benefits and can impact the speed from date of application that you start to receive benefits. If you have questions about the 2009 Social Security Disability application, or if you have a case from a prior year that has not been awarded benefits, consider contacting an experienced disability lawyer.
Matt Berry is an Atlanta SSI disability lawyer focused on disability law. His team of Social Security attorneys is experienced with the 2009 Social Security Disability [http://www.nationaldisabilitylawyer.com/index.php/2009-Application-for-Social-Security-Disability.html] law.
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