The Supplemental Security Income Program Cash Benefits: Who Can Receive These?

Oct 13

The Social Security Administration (SSA) offers four major types of benefits:

  • Disability benefits;
  • Retirement benefits;
  • Benefits for spouses and/or other survivors of a family member who has passed; and,
  • Supplemental Security Income (SSI)

The first two are benefits given to Social Security members or employees (and to family members of employees, as in the case of the third type of benefits) who have worked in jobs covered by Social Security and who have earned the number of credits required by the SSA. A maximum of four Social Security credits are earned annually through payment of Social Security taxes. These taxes, which are identified as Federal Insurance Contributions Act “FICA,” payments, are automatically deducted in employees’ monthly take home pay.

The Supplemental Security Income (SSI) or State Supplementary Payment (SSP), on the other hand, offers cash assistance payments to:

  • Adults who are disabled and have limited income and resources;
  • Children who are disabled and who have limited income and resources; and,
  • Individuals at least 65 years old who may be without any disability, but who meet the financial limits set under the federal benefit rate (FBR).

This cash assistance payment is meant to provide for its recipients’ basic needs, such as food, clothing, and shelter. For SSI purposes, the word “disabled,” is defined as physical or mental impairment and emotional or learning problems that:

  • Have lasted or is expected to last for a continuous period of at least 12 months;
  • Can be expected to result to severe functional limitations (in the case of children) or in the inability to perform any substantial gainful activity (in the case of adults); and,
  • Can be expected to result in the disabled person’s death.

With regard to the words “income” and “resources,” “income” refers to :money earned from work; money received from Social Security benefits, Workers Compensation, the Department of Veterans Affairs, unemployment benefits, friends or relatives; and, free food or shelter. “Resources refers to things personally owned, like cash, bank accounts, U.S. savings bonds, stocks, life insurance, land, vehicles, personal property, and whatever can be converted to cash and used for food or shelter.

As explained by an Indianapolis Social Security Disability lawyer of the Hankey Law Office, the Social Security system offers a special form of financial assistance for people who are elderly, injured, or ill as well as impoverished. However, applying for SSI benefits can be daunting due to the practice of evaluators to reject applications even for minor errors. The many requirements and the complex application process may bear faster and more positive results if these are to be entrusted to a seasoned SSI claims lawyer.

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How Much Cash Benefit does Workers’ Compensation Award to Injured Workers?

Jul 05

Workers who sustain job-related injuries or who develop an occupational illness can file a claim for benefits with the Workers’ Compensation, also known as Workers’ Comp. Cash benefits will cover cost of medical treatment and hospitalization, wage replacement, rehabilitation, retraining, disability, and death (which includes payment of benefits to survivors of the worker killed on the job). The usual wage replacement is two/thirds of the injured worker’s average wage; however, there is a fixed maximum amount set by states so that the benefits will not go over it.

Workers’ Compensation is an insurance-like program that is mandated and administered by the state. It is designed to provide immediate financial benefits to workers regardless of who was at fault for the injury or illness. Because it is almost exclusively financed by employers, it, therefore, serves as a sort of an exchange wherein injured employees, by choosing to receive Workers’ Compensation benefits, automatically waive their right to sue their employer for additional compensation.

There are limits, by the way, to the types of injuries paid under the Workers’ Comp program. As a rule, benefits will never be paid to workers whose injury was self-inflicted, who were intoxicated at the time of the injury, or whose injury was a result of actions in violation of the law or company policy.

At only two/thirds of the injured worker’s average wage, the amount of monetary benefit that Workers’ Comp awards to injured workers is really low. This amount is definitely not enough, especially if the injury leads to temporary or permanent disability, or a severe chronic illness. Workers’ Comp also does not pay compensation for injured workers’ pain and suffering; it also makes no provision for punitive damages, which would serve as punishment to an employer for failing to eliminate dangerous conditions in the workplace in order to ensure safety of employees.

Despite the low amount of cash benefit, many injured workers greatly rely on Workers’ Comp to save themselves and their families from disabling financial conditions. But worse than the receiving an inadequate amount is not receiving anything at all due to denial of claims, a situation experienced by so many injured workers.

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Coping with the Loss of Independence & Solutions to Maintain Independence

Mar 01

It is difficult to know that a loved one is reaching a point in their life and health where they are no longer safe and secure living on their own. This loss of independence is assuredly frustrating for them, as an adult who was able to take care of themselves before changes to their health. Your loved one may suddenly become completely dependent on you to provide stable care for them. This can be extremely disruptive of your life, but the best method of coping with this change is to maintain patience with your loved one. They need your support through this transitionary phase in their life as they come to terms with the changes that need to take place.

Studies have shown that many older adults fear losing independence more than they fear death. Remaining patient is very important as this process unfolds, but another simple way to help your loved one cope is to be there for conversation. Providing a listening ear to your loved one in concern to their fears and concerns not only brings them comfort, but brings the two of your closer to an understanding of how to handle the situation together.

Perhaps your loved one is still in good enough health to maintain some sort of autonomy. There are solutions that provide a sense of security and assistance to your loved one that still allow for them to remain somewhat independent. Here are two options:

  • Home healthcare: Promotes normalcy, allowing the patient to remain at home and receive care daily or on a more part-time basis from a nurse who comes to them
  • Independent living communities: Offer social benefits and readily available medical care to seniors that can no longer safely live alone, but can still perform many if not most everyday tasks for themselves
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Radon exposure at home

Oct 08

Radon is a colorless, odorless, and tasteless radioactive gas that is a by-product of uranium decay. It can be found in rocks, soil, and water, and can penetrate your home through fissures and cracks in the basement walls and crawl spaces. Although radon has been used for different medical and scientific purposes, exposure to it may result in different health complications.

One of the most fatal health effect commonly associated with radon exposure is lung cancer. According to the U.S. Environmental Protection Agency, approximately 21,000 die in the country because of radon-induced lung cancer every year. However, these deaths due to radon exposure could have been prevented if occupants have been vigilant enough to test their home for radon exposure. Unfortunately, according to the website of The Mokaram Law Firm (view website), you may notice that there can still be negligent property owners who refuse to have their home tested for radon and repaired to cut cost.

There are many ways on how radon may enter your home, here are some of them:

  • Cracks, gaps, or fissures in basement floors and walls
  • Cracks in crawlspaces
  • Construction joints
  • Water supplies (ex. private wells)

When moving into a new home or renting, it is imperative to get your home tested first for radon exposure, even if the property owner insists that the house has no problem with radon. While radon levels vary from one place to another, it is never safe to assume that this radioactive gas only affects certain areas of the country. The only way to know if your home is safe is by getting it tested.

However, living in a house with radon problems doesn’t mean abandoning your home altogether. Many homeowners have been able to fix their radon problems. You only need to contact qualified and professional radon experts in your locality to know what should be done to decrease the level of radon in your home.

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Some Facts about Selling Your Mineral Rights

Jun 04

A landsman trying to get you to lease out or sell mineral rights to your land may have approached you at some point. You are interested in selling your mineral rights, but you are not exactly sure what they are and if own them. Here are some facts for you.

Mineral rights or property is the area beneath the surface land that may or may not contain substances that has market value. It could be gold, silver or copper; it could be uranium or talc; it could be oil, gas, or coal. It could be nothing at all. If your mineral rights are in a good area, you could sell them for a good price even if later it turns out it does not have any minerals at all.

Ownership of mineral rights is not always straightforward. One person could own the surface as well as mineral rights; in some cases, there are separate owners. In other cases, the mineral rights may not march alongside the surface land.

The type of mineral can also affect the scope of ownership. Hard rock minerals are static; they stay in one place with respect to the surface. There may be disputes when two owners share the hard rock, but that is usually easily to resolve. Mineral rights are just like real estate property, so resolving disputes follow the same rules.

However, hydrocarbons are not so sedentary, with the exception of coal. Gas and oil move under the surface, so it can be difficult to establish who owns the extracted gas or oil. In most cases, the rules of capture applies. This means that whoever extracts it can own it. However, if there is already a claim for a specific area prior to extraction, then this defines the parameters of the rights. This is why it is important to know what minerals might be lurking under the surface. If you have oil or gas under there, you should make a claim right away so no one else can extract it.

Selling your mineral rights can be a complicated business. It may be better to leave it to a reputal mineral auction company that will help you establish your ownership, the right price for your rights, and the right buyers.

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