Benefit disability insurance security social

Today I received a letter from my health insurance telling me to call someone because I "may qualify for social security disability benefits." I'm the only person in my house who has a "physical" problem. I was born with 1 kidney, but found out about 2 years ago and was placed on a 5 to 10 pound lift/carry/push/pull weight limit. Has anyone received a letter like this? If so, what happens when I call the number given?

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My friend's mother recently died and she had him as sole beneficiary on a small life insurance policy. He is currently disabled from a bad car accident and unable to work so he receives SSI, SSD&Medicare benefits. Will this one time life insurance payment cause him to lose his benefits? To Brook: I didn't ask how to "defraud the Government"! I simply asked if by being the beneficiary of a life insurance policy he would lose his benefits!! He just found out about this and plans on calling Social Security on Monday, but since he had asked me if I knew whether or not he would lose his benefits and I didn't, I said I'd ask on Yahoo! Answers. You're the one who outlined all kinds of ways to "defraud the Government"!

I pay for my mohter's housing and other living expenses, definitely more than half of her expenses. She is 62 and currently has social security benefits. She also get about $9000 per year from her long term disability insurance she had with her old employer, a goverment agency. Can I claim her as my dependent?

I am approximately 100 lbs. overweight. I went on disability a year ago for scoliosis back pain, and wide spread muscle pain fibromyalgia. I have sinse quit smoking, it is one year in March. I have stopped all pain medication. I have gained almost 50lbs since. I have lost my health insurance because I am no longer working due to my disability. I have not yet been approved for social security benefits so I can not have medicare. In my county i can not get medi-cal as I do not have children. HELP PLEASE. I feel I will be a good candadate and it could improve my quality of life, maybe even get me back to work where I can give back to society...

This system has become another welfare system. Was it suppose to be primarily a social insurance program providing social protection, or protection against socially recognized conditions, which includes poverty...don't we have welfare for this...why are we paying for this twice...through income tax and social security... old age..retirement pension disability...again why are we in the insurance business unemployment and others...why should we pay for unemployment to workers who never put anything in 1. Social Insurance...don't put in...don't get anything out...and legally in this country 2. Retirement Pensions...have to put in to get out...and legally in this country 3. Disability Insurance...has to be regulated...ADHD and behavioral and special education students should not be getting checks... 4. Survivor Benefits...they should only get if their husbands put in and legally in this country 5. Unemployment Insurance...should only get...if they have been paying in and legally in this country 6. Basic Necessities...we already have this service...with Welfare

My joint sponsor takes Social Security Disability insurance will this count for the income requirement, which is not means-tested public benefits. Do somebody else has do the same thing? Thank you! Have you ever answer in any question what the people asking?

Interstate Highway System Almost all of our Labor Laws (and All Child Labor laws) The Marshall Plan Environmental Laws Freedom of Information Act Workplace safety laws Social Security The Space Program Securities Act of 1933 & Most banking Regulations The Peace Corps Volunteers in Service to America (VISTA) The Civil rights movement Fight against Nazis, Fascism and Totalitarianism Wilson, FDR ,Truman, Eisenhower, Kennedy. All liberals The Development and Deployment for the Internet (DARPA/HPCA) The Tennessee Valley project Women's right to vote Universal Public Education National Weather Service National Science Foundation/Basic Scientific Research Product Labeling/Truth in Advertising Laws Public Health Service and CDC Morrill Land Grant Act (land for State public Universities) Rural Electrification Public Universities Bank Deposit Insurance Earned Income Tax Credit Family and Medical Leave Act Consumer Product Safety Commission Public Broadcasting Hoover Dam Pell Grants Americans With Disabilities Act State Children's Health Insurance Program (SCHIP) And before you say these were liberal achievments you approve of from the past and that you just don't like TODAY'S Liberalism I'll point out to you that it's the SAME ideology. You conservatives are fighting against us now just like you were in many of the achievments mentioned above. You might want to remember that before you go on another hateful ignorant tirade about how liberalism has never been of any value to our country.

My parents told me they have claimed me as a dependent last year at age 24. I am 25 years old now and do not attened school. I am on social security disability income. I have mental disabilities related to a documented brain injury from birth. However I was able to obtain and work two part time jobs last year and made $12,000 aside from having my SSDI benefits. I tried college again for a few months and completed a couple classes then discontinued schooling. I also cover my own medical insurance, vision insurance, medicine and medical needs, hygene products, phone bill and pay them for food and internet $113 a month. I also pay for my own transportation if needed be it a cab for work or for a friend to pick me up. They refuse to accept any rent payments from me. I do my own taxes online with Turbo tax and I will get a large refund from my federal return. I checked the box i can be claimed as a dependent and it went down to $1. That makes me very upset, I have never been able to have a tax return because I have always been claimed by my parents. If anything they should claim my sister who is 15 years old with no job. She doesnt pay for anything and is dependent on them for everything. At least they have a kid they can claim so they should be happy with that. They won't give me a cut if they do claim me, thats sad because I could really use a tax return for things I need. I have been working on trying to re build my credit from years ago and want to put the money towards that to try to better myself financially credit wise. So then I will at least have a chance to get my own place with little or no trouble. So can they still claim me with the infomation I have provided here? If I file before they do and they do claim me then do they have to file an amend x return if I check that I can not be claimed as a dependent and file my return? I was forced to resign and it is considered constructive discharge from my scond job. This year I still have my first job however they are discriminating against me and get less than 10 hours per week. Looking for more work. At least I try to work. Card ron - Even though for last year I made $12,000 more than the $3,000 allowance I read on the IRS website aren't I considered dependent if I have a mental or physical disability that is not temperary lasting? I pay for my own medical and vision costs. Transportation if needed. Some food costs. All they pay for is shelter and food. I pay for everything else on my own. I recieve social security disability because I do have a brain injury that limits life activities frontal lobe damage to be exact. However I am able to still work obviously as I did have two part time jobs last year and I have held my first job for over a year now. Oh and I forgot to mention clothing. When I do go shopping I buy my own clothes with my own money. Unless it is given to me as a gift for special occassions such as a holiday or birthday. How do they prove that they provide more than 50% of my support? How do I prove I support my own transportation, clothing, medical needs, vision, food costs and phone bill? and the fact that I pay them a portion for food and internet out of my money? Do my parents have to know how much I made last year along with social security benefits to prove if they support more than 50% of my support? I would like to keep that infomation confidential as they don't tell me how much their income is. It's only fair.

My friends sister and her husband live with their married daughter.That girl pays the mortgage, utilities and part of food expenses,because the ssd they get is not sufficient for paying their medical insurance and medicines(they are not fully eligible for medicare.) My question is can the daughter apply for some tax credit because she is taking care of disabled person,or any benefits that girl can get.Pl advise,so that the girl gets relieved from part of her burden. The couple are not eligible for ssi because thay have more than 3000$ cash, which comes only after their 60 years

My ex-husband and I have a separation agreement that was incorporated into our divorce. It states that we will claim my son on alternating years, however in the event my ex is exempt from filing, that I shall have the right to claim my son. I put this in the agreement because my ex receives social security disability and I knew the likelihood of him being required to file was low, so I tried to protect myself by putting a condition in our agreement. He remarried in 2009. This is his year to claim our son, IF HE IS NOT EXEMPT from filing. He had no income so when he and his new spouse filed taxes, they filed married filing separately and she claimed my son. My ex is not filing a return because he had no income. I am upset by the fact that she claimed my son. I did not release the exemption to her. And since my ex did not file his own return, I feel it is only fair that I claim my son. He spends equal time between us. I do provide greater support for him in that I carry health insurance, etc. I have a higher adjusted gross income than either of them. By reading the IRS rules it appears as though the IRS would rule in my favor. Could someone with some knowledge digest this and let me know if you feel the same way? I could understand if they would have been married filing jointly and had a reason to file. But with them filing separately and her claiming my son, I feel as though she is taking my legal right to the tax benefits of having a child. Thank you for taking the time to read/respond to my questions!

OK further on. I was on disability for a number of years due to on going health issues with my blood and my legs. I am no longer and have not received any benefit payments for over 2 years. I received a letter from Social Security stating that I had "erroneously" received payments from 2003 to 2007. With this they are saying I need to pay it back. The reason I was on disability is that I have been dealing with venal stasis ulcers for more than 25 years. I have had deep venal thrombosis in both legs and experienced a pulmonary embolism, major, in my right lung. Due to the thick blood it causes extreme swelling in my legs. This is ongoing even though I have chosen to return to the work force. My question is this: Can they take legal action, such as the US Marshal's coming in and taking all of our belongings to sell at an auction? This is something they do with the IRS at times. We do not have the money nor do I anticipate a way to get it. The money is gone as it is what we lived on and without the Medicare insurance I would never have received the care I needed in order to be where I am now. My disability was not physically noticeable, unless I wear shorts, so it is not a back injury nor a neck injury or anything else which hampers mobility. I simply can not remain on my feet for extended periods of time, nor can I remain seated either. I must sit with my feet elevated above my heart for at least 15 minutes every hour. Try explaining that to an employer. Any professional legal advice would be appreciated, with case supporting information of rulings. Thank you.

I would like to get information on how is it that some people can get DOUBLE benefits. For example I know a few people that get Social Security Disability Insurance (SSDI), which is based on prior work under Social Security, and Supplemental Security Income (SSI), these payments are made on the basis of financial need. I like to get some information…

Right now my husband and I are living on his income and private disability through my previous job. We are just making it. My disability runs out in July. I have been rejected for social security disability, which is really common for your 1st attempt in Michigan. I have an attorney to appeal, but I found out that it takes 2 years. This means in 6 months our income after tax will be anywhere from $1,500 to $1,800 per month. Our student loans, car payments, insurance, healthcare, tools for husband's job and medication add up to $1150 a month. Our rent is around $700. Once you add our credit card debt, which is $300 a month, we owe $2,150 a month. THIS DOESN'T INCLUDE FOOD, GAS, OR DAILY NECESSITIES! I do not see another option than bankruptcy. Personally,I am most afraid that if we do declare bankruptcy I will lose my wedding ring. It was paid for on one of the credit cards with the highest balance, or I would try to pay that one off right away. I paid $2,700 for it. Anyone had any experiences with this, who can share some of the benefits and drawbacks? Can I declare bankruptcy without effecting my husband? Although, I appreciate money-saving tips, the bottom line is that our bills alone are more than our income, without including groceries, entertainment, etc. Of course there are things we could cut down on, that's why I have only given information as to what we have to pay every month. We are looking for a cheaper place, but $700 includes all utilities. This is a standard rate in our area for 2 people. Public transit is so limited that it is not a realistic option where we live, unfortunately. As far as my health costs. I have written that I am on disability so I don't I really need to explain those. Those are my out of pocket costs after insurance which I included when calculating our net income.

A Disability insurance company charges so much for a policy, lets about 1300 a year. Now lets say someone pays into this policy for about 15 years. Now this person becomes disabled, and despite many doctors saying she is disabled, the company refuses to pay out the policy, only doing so under legal action. Now they give this person a lawyer and sue social security for current and past benefits. These past benefits come in a lump sum that is paid to the insured person, who has to pay taxes on it, yet the insurance company demands every sent of that money be paid to them. I have read that insurance law mandates that only so much money can be made when paying out a policy. Actually receiving the benefits in this case would cost the person several thousand in taxes, that they no longer have the money to pay with. I have read about unfair contract law, is this covered? Does this violate insurance law? What are the rights of this person? And who the hell to I contact to get it brought to public knowledge (like the news) that insurance companies can receive checks of 30k directly from the government, and never lose a single penny, even in their worst case scenario??

My dad has not worked since 1997 and was drawing SSI until November 2009. In December, they automatically put him on Social Security Retirement, resulting in him losing all of his Medicad benefits, bc he hasn't worked in 10years. Since my dad in only 62, he does not yet qualify for Medicare until age 65 and we need some help finding some insurance coverage. He has Emphozema and COPD and needs coverage for medication, Oxygen, Doctor Visits and Emergency Hospital visits. We are in very desperate need of coverage for him. Can anyone please give me some ideas on where we could get him some coverage at? Additional Details He did not qualify for disability at his initial hearing back in 1997. Even though he is physcially disable, he is not considered disabled by the courts.

Do you think it's fair for taxpayers to have to pay for people's social security and disability benefits when these people haven't taken care of themselves? If the only reason they're disabled is because they're obese, have really bad arthritis, have had a stroke, etc...and are no long physically able to work?

The following personnel information about the Marshal Fire Department for the fiscal year that begins January 1, 200X, is to be used. Employee Grade__Number in Grade__Salary______ Chief------------------------- 1--------------- $105,000 Shift Commander-------- 3----------------- 70,000 Firefighter 1--------------- 12--------------- 39,000 Firefighter 2--------------- 26--------------- 30,000 Clerical (part-time)------- 3--------------- 15,000 The city is part of the federal Social Security system. For 200X, the city and the employee each pay Social Security payroll taxes of 6.2 percent of all salary paid up to $90,000 per employee to finance federal retirement and disability insurance and 1.45 percent of all salary paid to finance Medicare. The city pays a portion of the cost of health insurance for each full-time employee, an amount equal to $180 per month. Employees on the payroll after June 30, 200X, regardless of hiring date, are part of a new pension system financed by a city payment of 20 percent of the employee’s salary and employee payment of 5 percent of the employee’s salary on pay received after that date. Payments up to that date were made by state appropriations from state tobacco tax revenue. Full-time employees received an allowance for uniforms of $750 per year. Estimate the city’s full cost of the fire department labor during 200X fiscal year, assuming no change in staffing. Separate that cost into salary and fringe benefit components.

To explain: I don't get social security, what I have is through the state (I'm in Washington state). It's called GAX. They provide me with $200 a month and medical insurance. What I'm wondering is, do I file taxes this year? This is the first year I haven't worked at all, so I'm a little confused as to what to do. I see lots of sites about what to do if you have social security or veteran's benefits and so forth, but I'm not on those. My father is pushing me to find out about filing because this is the first year I would be eligible for the Earned Income Credit, being over 25 now. However, I don't really believe I've earned anything this year. I'd appreciate any help I could get. Thank you in advance! Thank you Mathew! I kind of thought that was correct, but since they sent me a thing today about the EIC with my insurance coupon, I thought I'd ask.

Thank you for taking the time to read… I used to get my acid reflux medication mailed to me from Pfizer. All the while I'd been trying to get medical disability thru social security. Just last year, after many appeals and with help from a disability attorney, social security finally approved me. But when it came time to renew my script for Protonix, I was told by the CVS pharmacist that my new insurance instructed me to take over the counter meds. The whole point of me being on Protonix is because over the counter meds are ineffective. I explained this to the pharmacist it CVS and later called Springfield Illinois and talked to someone from HFS, Department of Healthcare and Family Services and was told the same thing. Now here's where it gets interesting... Since I no longer receive benefits from Pfizer, I'm wondering if I can still get meds mailed to me from Pfizer since social security continues to deny me of my much needed prescription meds. It is imperative that I continue taking the meds because I feel miserable otherwise. Thanks so much for reading. Thanks a million, Az R. I've tried just about everything to no avail. Will definitely follow your information. Thanks a bunch!

I worked for The Hartford Insurance company when I became totally impaired. Although I signed a Authorization form for them to communicate with Social Security, they now indicate I have been overpaid $40,000 and must repay it. I believe at least 1/2 of the liability is theirs as the dropped the ball by letting my claim sit for 2 years and then suddenly writing that I owe them this large sum of money. I live on a fixed income as they have already, without notice, lowered my payment by $1000. Now I need to appeal so they do not cease monthly payments to me altogether. I am able to write an appeal but would like some pointers and assistance perhaps by an advocate for the disabled or a company that assists a person with this type of situation by intervening on the behalf of the claimant with the insurance company. Any ideas or referrals? Thanks for your help.

My brother lives in an older home that he inherited and owns outright. It has 2 extra bedrooms. He is struggling to make ends meet on his benefits, and would like to rent out the extra rooms. If he reduces his actual cost of living by accepting rent and shared utility funds, would SS reduce his benefits? (The rental income would be below maximum allowable earnings, so we are not concerned on that point). Thank you, it's a nice thought, but everything he does is monitored. This is the reason I'm asking here before going to SS. Thanks folks, I really appreciate your answers, but the question is not about the income. It's below the allowable limit and will not be an issue. We are not concerned about this. The question is about whether his SSDI will change based on the change in his actual monthly cost of living, due to the change in living arrangements. His living expenses will decrease - will this cause his benefits to decrease?

I have been on Social Security for many years and have on occasion received certification letters in the mail. I am now being sent the same paperwork, should there be concern for this? I am afraid of losing my benefits as my husband is currently unemployed and we are barely making it on my small disability benefits. Thanks for your help.

I understand that Washington State impose no income tax on its residents. I am disabled, and currently living on a Social Security Disability Income (SSDI), AND on a private disability insurance benefits. I would like to know, if my income, especially my private disability insurance benefits be taxed if I move to Washington State to live??? I'd appreciate any response.

I understand I don't have to pay federal tax, but I am wondering about Social Security and Medicare. Do I have to pay those taxes. As I mentioned, my disability insurance is paid "after tax" and covers 60% of my salary.

My husband had a back pain that progressively got worse and he had to skip work. After exhausting his sick days, and waiting for his MRI appointment to get done, he got fired. We both thought it was unfair. He was working there for a little less than a year so he couldn't get a medical leave. He was paying for his medical insurance so he could get taken care of at a time like this! But no, apparently that's not how America works. You get sick, you lose your job, and your medical insurance. So what was it for then? Now we are backed up in medical bills, ER bills and debts that are impossible to pay for. He isn't fully disabled and couldn't qualify for social security disability benefits. His diagnosis is pending and doctors couldn't figure out what's wrong with his back. Every specialist had a different diagnosis. BTW, he was hurt in the military and he didn't get his VA approved until much later. The back pain was determined to be a complication years after the surgery. The VA won't fix him and plan to put him on pain meds forever. He is only 27. If he wasn't a war veteran, we wouldn't have the VA, and we would've been totally out of luck. What's medical insurance for? Ellie: True but it also depends on the work laws in the state. NV can fire its employees regardless of reason and the employer isn't liable. I'll look into Tricare, and we're pushing to get a lawyer to take care of the case when we can afford it. Thanks! By the way, there was no diagnosis yet at the time so he couldn't tell his employer that he can't get fired for being sick. Even with disability, the doctor has to specify his disability. In this case, there was none and no doctor is just going to say "he's disabled and in pain but we don't know why". A year after he lost his job, we are still in the dark about his diagnosis. That's how vague things got.

I am a 60 year old ex college professor who can no longer work due to bipolar disorder. I'm currently receiving Social Security Disability and monthly disability benefits from a private insurance company. The private insurance plan provides full benefits for disable persons with physical disabilties without a term limitation (forever) However, those with mental disabilies like myself can only receive benefits for a maximum of two years. This seems like unfair discrimination against the mentally disabled. Is this legal? Can I do anything to appeal this injustice?

I paid for long-term disability insurance on my job for at least 4 years and when I became disabled my long term benefit went from 1560 monthly to 326 methyl. I paid for this coverage preparing for the future, how can Cigna just decide what I should receive. This information was not given to employees in the initial sign up for the LTD coverage. I paid for the insurance the same as social security was deducted each pay period.

There are 1130+ federal benefits of marriage identified by the General Accounting Office (GAO) which are automatically bestowed on heterosexual married couples. The following are some of the benefits the couple would use during their lives together, or if one part of the couple becomes incapacitated/dies: • the ability to file joint income tax with the IRS • exemption from paying federal tax on employer-provided health insurance for a spouse • benefits for the spouse of a military veteran. • inheritance tax exemptions on property the couple owns jointly • social security benefits for the surviving spouse • apply for US citizenship if you are married to a US citizen It is a shame that after all the trials & tribulations this country has been through with discrimination/unequal treatment of people based on religion, race/skin color, nationality, gender, veteran status, disability, or social status, we haven’t learned from past mistakes. Once again, this country is discriminating against another group of taxpaying, law abiding citizens who are contributing members to our society. 2 consenting adults REGARDLESS of sex should be allowed to marry as long as they meet their state's regulation for marriage. Yet even when they DO, our federal government STILL denies them the full benefits of marriage that are automatically bestowed on straight married couples. Well, considering the fact that I'm a 20 year old gay man..and i work for TEAMCOURAGE & VOTE4EQUALITY...YES!! i believe in gay marriage... Same-Sex marriage is a complicated issue because it has different layers to it. First, people need to understand that PEOPLE ARE BORN GAY!! Secondly, not everyone in the U.S. believes in the Bible. Third, our nation was built on the separation of church & state. (Your average ignorant person that hardly has any contact with gay people or is unaware of it tend to have an issue with the first two). And lastly, people need to understand that everyone should have the same basic rights like the pursuit of happiness and for many people that means the right to get married and have a family. Gay marriage for me personally isn't just about falling in love with man & having a family. Since the age of 4 I've known I was meant to have a loving & fulfilling relationship with another man the same way a young girl would. For me, gay marriage isn't about filing taxes with your spouse, getting work benefits, along with 1,500 other rights. Its about continuing the legacy of marriage & love my parents have blessed me with as a child and doing so in a way that meets my own emotional & physiological needs. And also living a happy life & helping others the way GOD created me to do so.

Just think about this for a minute. The extremes on both sides are blurring the healthcare issue to keep everyone confused and fighting in hopes of getting their party agendas through, but are no citizens looking at these topics with an unbiased eye? This is, first off, not about the non-working poor. People who are on welfare have 100% government paid healthcare through Medicaid. It's not insurance as affects the rest of the population. They pay nothing for the policy and there are no copayments, etc. That's fallacy #1. This isn't about people who don't work. The other group who doesn't work are people on Social Security, through either retirement or disability. They are covered under a government sponsored health insurance to which they contribute called Medicare. This is more like traditional insurance in that they pay a premium and have copays for medical services, prescriptions, etc. The government is already involved in health insurance through these 2 programs that focus on the non-working in our society. This is supposed to be aimed at the working poor. It would be insurance of the more traditional type where the government would negotiate a large scale insurance policy (like it did with Medicare) to take advantage of the savings. Individual policies can run to thousands of dollars a month, which most working people can't afford. Many employers no longer offer healthcare as a benefit or negotiate a contract collectively for their employees to lower the costs somewhat, but then pass the entireity of the policy costs onto the employee making it, many times, cost prohibitive. This is, more and more, going to become the case since there are too many people competing for too few jobs so employers are now in the position of not having to woo personnel. The economy is such that it's the employer's market. So we have the working poor who are living paycheck to paycheck, maybe working more than one job, and still not able to afford health care. What happens when someone gets very ill? They go to the doctors or leave it until it's really bad, since they don't have the money, and end up in the hospital with enormous bills. These bills are extra enormous since doctors and hospitals charge out of pocket people substantially higher rates than insured people. Insurance companies negotiate contractual fees with providers in their network and will only pay up to a certain amount for services. In some cases it's astounding the differences. One practice I worked in had a difference of over $4,000 for insured vs. uninsured. So you don't have the money for the doc, no insurance, and now you have a huge medical bill. Bankruptcy has been rewritten so that it's not really an option anymore (not that it helped the providers substantially anyway as there usually isn't much to take and divide) so the providers spend a fortune on collections and writing off debt, which they then pass along to the next person in line, ie. you. Now providers are not uninanimously against this. Many have embraced it because there is a stipulation for mandatory coverage. This means they will be dealing with far less in bad debt and can at least be assured of getting paid the insurance portion. Where the rub for them comes in is those negotiated contractual fees. Looking at Medicare as their example of government negotiated insurance, they are scared. The rates for Medicare are substantially lower than any private insurance. Can they still make a living? Absolutely. They take Medicare because, if they don't, they will have a smaller pool of patients to take. Some opt out, but if this is national, they will be even harder pressed to turn their noses up at it. Medical costs are the highest in the country out of the entire world. Medical inflation is rampant and, unlike most things in a free market, you can't always decide to just not purchase. Medical inflation has consistently outstripped regular inflation every year for the last 20 years. That means that the devices they use and the labor they purchase, the ground and construction of facilities, has not increased enough to justify their increase in price. Pharmaceutical companies stand to make more because most people are opting generics over the name brand prescriptions (some of which are several hundred dollars per treatment or month, for long term meds) and having insurance means that when the new meds come out, before generic are legally allowed (to protect R&D and keep companies encouraged to continue finding new meds) they will be allowed to charge their assinine prices and have people submit because they are paying $60 instead of $20. Much easier than the "it might work" generic at $50 OOP to $400 for the "this is the ticket" name brand. The scariest part of this whole plan for the working poor is what are these "mandatory" rates going to be? Are they going to be equally unaffordable? Now you are violating the law if you don't I understand it

I have aspergers, and have been out of work for almost 2 years, while getting unemployment money. I filed for SSDI benefits, while on the same time knowingly getting unemployment income. I'm currently waiting for my 3rd appeal hearing with an administrative judge. I also just recently got myself an ssdi advocate lawyer. The person representing me told me that Social Security doesn't like the idea that I filed SSI, agreeing that I wasn't going to actively seek work, while I did the exact opposite ever since I file for the benefits in early 2008.

My wife and I were able to successfully appeal our LTD denial. We also won our Social Security denial without a lawyer. But that leaves open what happens afterwards, what options do I have when the private insurance company behaves unprofessionally by harassing, lying, and constantly threatening you by "reviewing your disability status", month after month, considering new paperwork old because it took them weeks to get to it, etc.? Some examples: **Refusal to give me my policy, they had to be forced to do so by my former employer, only after I hired a lawyer to send them a letter demanding they provide it. **Constantly requesting "updated medical information", month after month, even though I have a letter from Social Security informing me that they are not even going review my medical condition for the next 5-7 years, due to the severity of my injury! Seems like every time I get them a report from my Dr., it takes them 4 weeks to review it and then it's old news and it starts again! **They lied and sent me a letter that they were going to reduce my monthly benefits dollar for dollar because of my daughter's Social Security benefits.I had to hire an attorney to review the contract, send a letter that it was not legal to do so, then they sent me a letter apologizing for their "mistake". I can go on and on, and that's just since last august! Am I protected from this abuse by the ADA or Bad Faith Provisions in NJ, or any other laws or regulations? So you consider it an "inconvenience" that they tried to steal my benefits, refused to provide a policy, even though I am injured and in chronic pain? What good are bad faith laws? Thanks

My wife and I were able to successfully appeal our LTD denial. We also won our Social Security denial without a lawyer. But that leaves open what happens afterwards, what options do I have when the private insurance company behaves unprofessionally by harassing, lying, and constantly threatening you by "reviewing your disability status", month after month, considering new paperwork old because it took them weeks to get to it, etc.? Some examples: **Refusal to give me my policy, they had to be forced to do so by my former employer, only after I hired a lawyer to send them a letter demanding they provide it. **Constantly requesting "updated medical information", month after month, even though I have a letter from Social Security informing me that they are not even going review my medical condition for the next 5-7 years, due to the severity of my injury! Seems like every time I get them a report from my Dr., it takes them 4 weeks to review it and then it's old news and it starts again! **They lied and sent me a letter that they were going to reduce my monthly benefits dollar for dollar because of my daughter's Social Security benefits.I had to hire an attorney to review the contract, send a letter that it was not legal to do so, then they sent me a letter apologizing for their "mistake". I can go on and on, and that's just since last august! Am I protected from this abuse by the ADA or Bad Faith provisions, now?

According to the launguage below the benefits will be determined by one year after it passes (if it passes). Is this bill not just a pig in a poke? HEALTH BENEFITS ADVISORY COMMITTEE. (a) Establishment- (1) IN GENERAL- There is established a private-public advisory committee which shall be a panel of medical and other experts to be known as the Health Benefits Advisory Committee to recommend covered benefits and essential, enhanced, and premium plans. (2) CHAIR- The Surgeon General shall be a member and the chair of the Health Benefits Advisory Committee. (3) MEMBERSHIP- The Health Benefits Advisory Committee shall be composed of the following members, in addition to the Surgeon General: (A) 9 members who are not Federal employees or officers and who are appointed by the President. (B) 9 members who are not Federal employees or officers and who are appointed by the Comptroller General of the United States in a manner similar to the manner in which the Comptroller General appoints members to the Medicare Payment Advisory Commission under section 1805(c) of the Social Security Act. (C) Such even number of members (not to exceed 8) who are Federal employees and officers, as the President may appoint. Such initial appointments shall be made not later than 60 days after the date of the enactment of this Act. (4) TERMS- Each member of the Health Benefits Advisory Committee shall serve a 3-year term on the Committee, except that the terms of the initial members shall be adjusted in order to provide for a staggered term of appointment for all such members. (5) PARTICIPATION- The membership of the Health Benefits Advisory Committee shall at least reflect providers, consumer representatives, employers, labor, health insurance issuers, experts in health care financing and delivery, experts in racial and ethnic disparities, experts in care for those with disabilities, representatives of relevant governmental agencies. and at least one practicing physician or other health professional and an expert on children's health and shall represent a balance among various sectors of the health care system so that no single sector unduly influences the recommendations of such Committee. (b) Duties- (1) RECOMMENDATIONS ON BENEFIT STANDARDS- The Health Benefits Advisory Committee shall recommend to the Secretary of Health and Human Services (in this subtitle referred to as the `Secretary') benefit standards (as defined in paragraph (4)), and periodic updates to such standards. In developing such recommendations, the Committee shall take into account innovation in health care and consider how such standards could reduce health disparities. (2) DEADLINE- The Health Benefits Advisory Committee shall recommend initial benefit standards to the Secretary not later than 1 year after the date of the enactment of this Act.

Can they change the fundemental operation? HEALTH BENEFITS ADVISORY COMMITTEE. (a) Establishment- (1) IN GENERAL- There is established a private-public advisory committee which shall be a panel of medical and other experts to be known as the Health Benefits Advisory Committee to recommend covered benefits and essential, enhanced, and premium plans. (2) CHAIR- The Surgeon General shall be a member and the chair of the Health Benefits Advisory Committee. (3) MEMBERSHIP- The Health Benefits Advisory Committee shall be composed of the following members, in addition to the Surgeon General: (A) 9 members who are not Federal employees or officers and who are appointed by the President. (B) 9 members who are not Federal employees or officers and who are appointed by the Comptroller General of the United States in a manner similar to the manner in which the Comptroller General appoints members to the Medicare Payment Advisory Commission under section 1805(c) of the Social Security Act. (C) Such even number of members (not to exceed 8) who are Federal employees and officers, as the President may appoint. Such initial appointments shall be made not later than 60 days after the date of the enactment of this Act. (4) TERMS- Each member of the Health Benefits Advisory Committee shall serve a 3-year term on the Committee, except that the terms of the initial members shall be adjusted in order to provide for a staggered term of appointment for all such members. (5) PARTICIPATION- The membership of the Health Benefits Advisory Committee shall at least reflect providers, consumer representatives, employers, labor, health insurance issuers, experts in health care financing and delivery, experts in racial and ethnic disparities, experts in care for those with disabilities, representatives of relevant governmental agencies. and at least one practicing physician or other health professional and an expert on children's health and shall represent a balance among various sectors of the health care system so that no single sector unduly influences the recommendations of such Committee. (b) Duties- (1) RECOMMENDATIONS ON BENEFIT STANDARDS- The Health Benefits Advisory Committee shall recommend to the Secretary of Health and Human Services (in this subtitle referred to as the `Secretary') benefit standards (as defined in paragraph (4)), and periodic updates to such standards. In developing such recommendations, the Committee shall take into account innovation in health care and consider how such standards could reduce health disparities. (2) DEADLINE- The Health Benefits Advisory Committee shall recommend initial benefit standards to the Secretary not later than 1 year after the date of the enactment of this Act. (3) PUBLIC INPUT- The Health Benefits Advisory Committee shall allow for public input as a part of developing recommendations under this subsection. (4) BENEFIT STANDARDS DEFINED- In this subtitle, the term `benefit standards' means standards respecting-- (A) the essential benefits package described in section 122, including categories of covered treatments, items and services within benefit classes, and cost-sharing; and (B) the cost-sharing levels for enhanced plans and premium plans (as provided under section 203(c)) consistent with paragraph (5). (5) LEVELS OF COST-SHARING FOR ENHANCED AND PREMIUM PLANS- (A) ENHANCED PLAN- The level of cost-sharing for enhanced plans shall be designed so that such plans have benefits that are actuarially equivalent to approximately 85 percent of the actuarial value of the benefits provided under the reference benefits package described in section 122(c)(3)(B). (B) PREMIUM PLAN- The level of cost-sharing for premium plans shall be designed so that such plans have benefits that are actuarially equivalent to approximately 95 percent of the actuarial value of the benefits provided under the reference benefits package described in section 122(c)(3)(B). (c) Operations- (1) PER DIEM PAY- Each member of the Health Benefits Advisory Committee shall receive travel expenses, including per diem in accordance with applicable provisions under subchapter I of chapter 57 of title 5, United States Code, and shall otherwise serve without additional pay. (2) MEMBERS NOT TREATED AS FEDERAL EMPLOYEES- Members of the Health Benefits Advisory Committee shall not be considered employees of the Federal government solely by reason of any service on the Committee. (3) APPLICATION OF FACA- The Federal Advisory Committee Act (5 U.S.C. App.), other than section 14, shall apply to the Health Benefits Advisory Committee. (d) Publication- The Secretary shall provide for publication in the Federal Register and the posting on the Internet website of the Department of Health and Human Services of all recommendations made by the Health Benefits Advisory Committee under this section.

Social security statement has some numbers for "You have earned enough credits for your family to receive survivors benefits. If you die this year, certain members of your family may qualify for the following benefits:" and then has some numbers for "Your Child", "Your Spouse who is caring for your child etc". and at the same time I happen to plan for the "Life Insurance for me and my spouse" 1. I may be going to college and may not be working for about 2 years, and will "the Social Security Family Survivors" be still in effect during that time or is it like "Disability insurance" that is in effect only during the time the person is working? 2. Are the numbers what Social security says are upper limits and subject to extensive conditions? Does the "Benefit for CHILD" be affected by the working living spouse. I understand that the SS will reduce the benefits for the working spouse, but "Will it also reduce for the children?". Please see article "Survivors Benefits" (http://www.ssa.gov/pubs/10084.html) and it talks about Social Security survivors insurance and “Life insurance” from Social Security and please see article "How Work Affects Your Benefits" at http://www.ssa.gov/pubs/10069.html too.

I was looking at my Social security statement and it says "You have earned enough credits for your family to receive survivors benefits. If you die this year, certain members of your family may qualify for the following benefits:" and then has some numbers for "Your Child", "Your Spouse who is caring for your child etc". and at the same time I happen to plan for the "Life Insurance for me and my spouse" 1. I may be going to college and may not be working for about 2 years, and will "the Social Security Family Survivors" still be in effect during that time or is it like "Disability insurance" that is in effect only during the time the person is working? 2. Is the numbers what Social security says are upper limits and what are other conditions? Does the "Benefit for CHILD" be affected by the working living spouse. I understand that the SS will reduce the benefits for the working spouse, but "Will it also reduce for the children?". See article "Survivors Benefits" (http://www.ssa.gov/pubs/10084.html) and it talks about Social Security survivors insurance and “Life insurance” from Social Security See article "How Work Affects Your Benefits" at http://www.ssa.gov/pubs/10069.html

I believe the time is right. The country, led by FOX, CNN, & Fiscal Conservatives, is saying ‘NO’ to socialist Healthcare reform & Insurance for 50 Million uninsured. So let’s purge the system of the filthy LBJ socialist programs while the iron is hot! I’m a strong Blue Dog and enough is enough! The plan is simple. Say ‘NO’ to socialist Healthcare altogether. Cut SS Disability & Medicare immediately! Cold Turkey. Convert Social Security to stocks in the Free Market. Reset the Obama agenda & rewind the filthy LBJ socialism our country has been hostage to for the past 50 + years. Morally Bankrupt? NO. The country is ready to say ‘NO’ to expanded socialist healthcare reform for 50 Million Americans who would be better served by the Free Market – let’s say ‘NO’ to the 35 Million Americans 65 & over on existing socialist medical care. 90% of Social Security Disability claims are rejected every year. That means that the 10% who know how to ‘game’ the system are the only ones drawing benefits. Dumping the 10% who gamed the system and the 35 Million over 65 ‘elderly’ into the Free Market is hardly wrong. People in other countries would die to be in our Free Market. This is America – what we ask of the uninsured segment of our population should be fair for all. Unfair? NO. Studies http://www.census.gov/prod/2006pubs/p23-209.pdf show that households maintained by those 65+ have nearly the highest net worth in the U.S. It is time to stop mortgaging the futures of our children for the socialist greed of the elderly. Americans pay to play – this isn’t France. Those on the socialist dole of Medicare consume health services/tax dollars disproportionately compared to Free Market, real Americans – the rest of us. Besides, dumping these folks into the Free Market will do nothing but reduce cost for all of us – including them. For those that have paid into the system for 10 – 55 years – a 1 time Tax Rebate for 50% of their contributions. This would typically average $10,000 to $45,000, or more per worker. We are talking REAL Stimulus here! After ‘Walking the Talk’ on our Conservative Principals, who could say ‘NO’ to dumping all the other stinking piles of warm dog s#@t entitlements in our system? Timing Wrong – Democratic Congress & President? NO. We are riding a tailwind that hasn’t blown this way since 9/11. This Democratic Congress is a paper tiger – weaker, more spineless, and more fractured than it ever has been. Emmanuel, in his focus on count, has watered the Democratic faithful down with ‘New’ recruits scared to take a stand, Fiscal Conservatives flying the ‘Democratic’ flag more for funding than Ideology, & Arlen Specter. We have a Democratic President – over-cautious to drive his platform & scared of the ghosts of 1993/94, and a ‘Neutered’ Speaker of the House. Then we have the Media – FOX, CNN, Scarborough, Limbaugh, & Kristol driving our message of Bail Out fatigue, fear of spending & taxes, fear of deficits, & fear of Gov. ‘Death Squads’ for the elderly to gin their audiences for $/ratings. We also have big Pharma spending $1.5 Million per day driving our message, and all the other enemies of healthcare reform – all driving their person agendas corresponding to our Conservative Principals. The Timing could not be better. The iron doesn’t get any hotter than this.

There is a guy in our town who was recently arrested for distribution of hydrocodone. He was always known for being bad news, and I think he was put in jail overnight once for something else. However, he became confined to a wheelchair a few years ago after nerve damage due to diabetes. This didn't stop his behavior though, hence, the arrest. The case hasn't gone to court yet, but this is my question: He receives SSI (Social Security Disability Benefits Payments) every month. If he is found guilty of this crime (I'm pretty sure it's a felony?), would he lose his monthly benefits? This is in the state of Louisiana. I've heard some people say he would and some say he won't. Someone asked me about it and I couldn't find an answer online. Anyone know? Thanks.

My Mother had Long Term Disability coverage from her employer (that she paid a premium for, every paycheck for years) managed by Unum. In January of 08, she developed Addisons disease that was so severe she couldn't work. Later in 08, around July when she was medicated enough to function - she realized that she should apply for benefits from Unum. They paid her 60% of her pay on a Short Term Disability claim in one lump sum for the amount she would have earned from the onset of her disability in January 08 to July 08 - Unum then closed the Short Term claim. By March of 09, her condition had not improved with treatment and she could not return to work - she then applied to Unum again for continued benefits. They told her she would have to open a new claim for "Long Term" coverage since the last claim was close and was for "Short Term" anyway. She basically fought with them all month, sending in releases, faxing medical records etc - it took a whole month or two - but they eventually paid her in the same manner as the last claim: She received one lump sum for the wages she would have earned from the time of the last payment until the time of the new payment in March of 09. Unum said that her claim was denied for any future payments - and that she would have to appeal. Around this time her Doctors gave her more medical bad news concerning a chronic back condition - this along with her Addison's was enough to make the Doctors encourage her to file for Social Security Disability. She filed around April 09, and was suprisingly approved on the first go around - and found out today that she was approved for SSDI. She called Unum to let them know - the person handling her appeal immediately went into scare tactics, saying that she may have to pay Unum back everything they paid her since SSDI is retroactive. My question is - can they do this? She never once drew both Unum and SSDI at the same time. If so, what good is LTD Insurance like this. She paid for it all of those years, and now they want their money back?

I now have a spend down with Medicaid. After trying to get an answer for over two months the CDPHP representative at my local Social Security office told me I no longer have CDPHP because I have a spend down, not eligible for managed care. I was told I can still go to medical appointments I just need to give my Benefit (Medicaid) card instead of the CDPHP one that I used to give them. I am disabled and unable to work, receiving Social Security Disability (SSD) for my only income. I have to pay $140 a month to be able to have Medicaid. SSD wants me to call them and tell them what my bills are (rent, phone, heat, electric ect) so that they can give me more money a month. This would just mean any extra money they give me would go right to Medicaid. I have to see a social worker/therapist/psychiatrist at least once every two weeks. I also need to see a nurse practitioner/psychologist around once a month, some times more. I have 7 prescriptions for medication that I need to get filled every month. Does anyone know what if any the co payments are for these things with just having Medicaid? Not that I would see any point in co payments being that Medicaid would just but them towards my next months spend down. When/if I have to be emitted for inpatient care due to mental health I have to pay the spend down for 6 months ahead for it to be covered by Medicaid. Is this before or after I get emitted? If it is before, how do they expect me to get down to their office and pay it when I need to be in the hospital? Also, I doubt it but is there any health insurance out there that I could get myself that would cost me less than what Medicaid is but still cover everything I need? Thank you for any information you can give me. I would call Medicaid to ask them but I'm sure that the lovely people here would answer me long before I would get even one answer from Medicaid being that it took me 2 months just to get them to tell me I don't have CDPHP any more. Thanks everyone!!! Oh and the 6 months payment is because I pay my spend down at the start of each month directly to Medicaid, like you would for the premium of "normal" insurance. The "deductible" for a hospital stay is equivalent to 6 months of my spend down payments.

Introduction Like most of the Middle East states the Bahraini Government receives most of its revenues from the oil industry. Tax Year Not applicable. Assessment Basis Not applicable, there is no requirement to file income tax returns. Income Tax There is no income tax per se in Bahrain but in June 2007 the Bahraini Government introduced a 1% ‘social insurance tax’ on the salaries of both Bahraini nationals and expatriates living in the state to help fund unemployment benefits for all workers. Taxation of Investment Income There is no withholding tax in Bahrain. Tax on Property Rental Income There is no tax on rental income in Bahrain. Wealth Taxes There are no wealth taxes in Bahrain. Capital Gains Tax There is no capital gains tax in Bahrain. Inheritance and Gift Tax There is no inheritance tax in Bahrain. Regional and Municipal Taxes A municipal tax is payable by individuals or companies renting property in Bahrain. The rate of the tax varies according to whether the property is unfurnished residential property, furnished residential property or commercial property. Property Taxes There are no property taxes in Bahrain. Stamp Duty/Transfer Tax There is no stamp duty in Bahrain. Sales Tax The only sales tax is one on gasoline, which is levied at a rate of 12%. Social Security Contributions Employers who employ more than 10 employees, irrespective of their nationality, must pay up to 10 percent of the employee's gross income to social welfare taxes. The employer's contribution is split: 𐂃 Seven percent towards insurance against old age, disability and death (applicable only to Bahraini employees) and 𐂃 Three percent of gross wages towards insurance against employment injuries (applicable to all employees). Employees contribute five percent of gross salary towards insurance against old age, disability and death (applicable to Bahraini employees only). NOTE - NO BIG GOVT. INTERFERENCE

I was told this from a home support service employee and was wodering if there is any truth in it.I live in california taking care of a family member that collects ssdi thanks for your answers. sorry meant if the ssi payment is being reduced

Here is the question I was asked: The New Deal changed government's role in aiding our nation's needs. Explain how this Relief Recovery and Reform program, initiated by Roosevelt, sought to help thew nation recover from the difficulties of the Great Depression. Here is the paragraph I wrote to answer the question: President Roosevelt helped the nation recover from the difficulties of the Great Depression by promising "a new deal for the Americans." Roosevelt created many Agencies to free the Americana's from depression. FOr example, he provided the civilian conservation corps (CCC),which provided jobs for the young, unmarred men, to work on conservation and resource development projects. He also provided adaptions, disability payments and um employment benefits called the Social Security Administration (SSA). Roosevelt insured bank deposits up to 2,500 in the Federal Deposit insurance corporation (FDIC).Slowly, Roosevelt was beginning the American out of the depression and into freedom

I've only been on the job for 5 months and I'm 6 months pregnant. I work for commission only, no salary no sick days no paid vacation no health insurance no nothing. Because I am a good employee my employer is allowing me 6 weeks of unpaid leave where he will hold my position, but no pay. I will be a single mother so help from dad is not available. I've paid into the system for 11 years and never drew a single benefit. So I don't need anyone telling me to pay for it myself, I have been. I researched social security and they only cover long-term. What agency if any covers short term? The only thing I can find on the internet is this: Private Sector Employees Job-Protected Medical/Maternity Leave: Louisiana guarantees up to four months of short-term disability leave to employees who are temporarily disabled because of pregnancy, childbirth or related medical conditions. Employers with more than 25 employees are covered by the law. But it doesn't tell you where to go or who to talk to. Anyone been in the same boat? Thanks

I will shortly be receiving about $20,000 in a lump sum life insurance payout. My question asks if this money is considered an "asset" or "income". The way I look at it, it is an ASSET. Here is my problem. I am on disability. Now I have already checked with the Social Security Administration and they told me my life insurance payout will not affect my disability check. However, I also am on Food Stamps and something called Section 8, which is a Housing Subsidy Program, where the government pays a portion of your rent, based on your income. I also am on Medicare and Medicaid. Now all of these things say to 'report any INCOME immediately' as it will affect the amount of benefit you receive. I haven't asked the Food Stamp people yet or the Housing Subsidy Organization until I gather more information. They may regard a life insurance payout as "income", I don't know. But I don't see how you could look upon it as income. The way I define income is a recurring regular paycheck, salary, or money. Life Insurance is not like that. It is an asset. So if you want a strict interpretation, I see a life insurance payout coming to me as an asset and not income and need not be reported. What do you think? People who have ever been in this boat before are most encouraged to reply, or people who have a very good knowledge of life insurance and how it relates to various state and government entitlement programs such as those I have mentioned. Also, I am wondering if there are any legal loopholes to be able to take this money and not have it affect the other things I am receiving. It has me concerned, as I obviously don't want to get into any trouble, nor do I want to do anything foolish either. I am just looking for knowledge on the subject. Thanks.

Can anyone help here? My father recently passed away leaving his life insurance policy to my six year old child, who receives social security disability. will his benefits be affected? advice on what I can do with the policy? thanks

My long term disability benefits were cancelled after 14 years because the insurance company cherry picked two "good" visits I had with the psychiatrist this year (meaning, I wasn't on the verge of suicide for once). It turns out that group long term disability policies fall under the federal law called ERISA and disability law under ERISA is a very, very specialized branch of law. Moreover, I have to get an attorney in the state where I became disabled (I live in Minnesota, I need a California lawyer). There is no way I can get a referral to someone good from someone I know & the only lawyer I have ever used in the past was a family lawyer for a minor matter. Social Security disability is a wholly different matter - I'm not looking for an SSDI attorney. Any tips, other than feel them out in the initial consultation? Thanks for any advice!! what I am looking for, is how do I know if they are a GOOD lawyer, as opposed to a mediocre one.

and retired honorably and decorated in 1984. He passed away with a service connected disability last Sunday. My mother is employed and according to SSA, not eligible to receive his benefit as a survivor because she makes too much money!!! Besides the fact that this is the dumbest thing I have ever heard, he didn't have any life insurance (the policies had been cancelled in 2002-I have submitted written requests so we can find out why-she didn't know he had done this) and she is obviously very concerned...does anyone, preferably with knowledge of Veteran Benefits and Survivor Benefits for Widows or Widowers have any info they can give me as to where to go next? I am making an appointment to speak with someone in the VA re: these issues as well as re-discussing the Social Security nonsense, because whether or not that is correct, it doesn't sound right to me... she is 61-turning 62 in October and in excellent health, she is a Unit Secretary for 20+ years at a hospital in Hartford, CT--all of us kids are over 18 and living on our own (my 26yr old sister still lives at home)--I do believe she is eligible to recieve at least 1-2 benefits available to Veteran Survivors, but as always they do seem to have income limits--I just need to know where else to turn and if there are any avenues we haven't discovered yet...thanks.... 26 years and 3 TDY to Vietnam should be recognized in some way--he served and she "served' with him and took care of him...he was a great guy with alot of pride, but great humility regarding his service and very private--I suspect he cancelled his premium payments because his health was failing and he couldn't pay the premiums and didn't want any of us to know--this is in no way a slam at him, but now we need to deal with what is in front of us and that is getting the extra financial support that my mom is going to be without now that he has gone--his pension stops and so do his SS Disability...a huge chunk of money...thanks... thanks, I wouldn't suspect 'lying' just maybe something lost in translation--obviously we are all under tremendous stress and when she got this info, it was over the phone--myself and one of her brothers and my mom are all going to meet and talk with people together...unfortunately her dad, my grandpa died in Feb. and he was also a veteran so my uncle has been down this road once already--it's been a rough 18mos....thanks for the help though... thanks everyone--believe me I am prepared to not get the answers I "want", I just want to know "what" the answers are and where to go, if in fact there is anywhere else to go and when to let it go...I realize that the same rules apply re: SS benefits, just want to be sure that I and my mother are getting accurate and appropriate info--not every situation is spelled out on a website...something is still to be said for one on one discussion and expression...thanks again... By the way--don't get me wrong--I just re-read my question and he did get appropriate and well deserved respect and honor at his burial today--full military honors--it was touching and prideful and heartwrenching all at the same time--we just wished he could have seen it in some way--anyone who enlists is due all honors and respect from everyone, not just family....

I waited too long to file for Social Security disability benefits based on the last ten years of my employment. I was not aware of the regulations for filing. Someone told me that at age 51 that I can file for Social Security disability benefits based on my spouse's Social Security earnings as long as we have been married at least ten years. Also, since my first marriage lasted at least ten years--I could choose which spouse to file on based on the one that would give me the most income. I am currently receiving private insurance disability, but it will run out at age 62. Any help? Thank you very much.