In any type of commercial endeavor, a business plan is as indispensable as air is to people. There are many good books on the market that will help you to understand what needs to go into a good business plan. In essence, here is a great way to think of superior business planning. It is important for the reader to thoroughly understand your product offering or the services you currently provide or plan on providing.

When evaluating a business concept, unrealistic expectations or flawed thinking could creep in and undermine the planning. First and foremost, it is imperative for anyone desirous to start this business to have a good idea about several marketing strategies.

It must detail how you will attract customers to list their businesses. You may also include some extra details such as establishment and key people, a summary of the mission statement and the gist of memorandum and articles of association. So, entrepreneurs who use this approach for their business plans end up with GIGO: garbage in, garbage out projections that are misleading at best – but more often, fatal in the end.

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The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security disability insurance program (title II of the Social Security Act (the Act) and the supplemental security income (SSI) program (title XVI of the Act). Because there is no direct involvement of medical professionals in the disability decisions made by administrative law judges in the Office of Hearings and Appeals, administrative law judges sometimes request expert testimony on complex medical issues.

These resources can help you better appreciate the process, especially if you are determined to fight for your benefits alone. NOTE: SSA has begun testing different application processes in different parts of the nation. The Social Security Administration must read each letter forwarded to ensure that it contains nothing that could prove embarrassing to the missing person if read by a third party.

The truly important ramification of the WEP and GPO on Social Security retirement benefits comes into play during divorce proceedings. The Social Security Administration is headquartered in Woodlawn, Maryland, the federal government created the only office that has its headquarters outside Washington, the state capital.

One must also inform the banks, credit card companies and other financial agencies and let them know you are in the process of getting a replacement. Have a look at the eligibility criteria for social security benefits for widows. Social Security Numbers are usually not visible on Death Master File record indices if the person for which the SSN is concerned has died in the last decade.

The alternative method is called the Windfall Elimination Provision (WEP) and was created to close a loophole that enabled worker’s who earned benefits in covered and non-covered employment from being labeled a low-earning worker and receiving a disproportionately large Social Security benefit.… Read More...

Social Security in the United States refers directly to a lesser known federal Old Age, Survivors and Disability Insurance program or OASDI. Social Security Disability is a benefit received from the Social Security Administration by disabled workers and in some cases their dependents, similar to those received by retired workers. Certain residential accommodation (if the claimant lives in one of these) do not make a person with disabilities eligible to claim the Disability Living Allowance.

If the DDS finds the claimant disabled, SSA will complete any outstanding non-disability development, compute the benefit amount, and begin paying benefits. A social security card is an important document which serves as a proof of a U.S. citizen’s nationality.

Not all the time the worker is healthy, young or in good fit in order to work, when emergencies or circumstances have it to interrupt or stop the person to work, through the Social Security insurance it will be a fall back. So if a widow is already receiving social security benefits based on her works, she will only get survivor benefits, if it pays more than the amount she is getting through her own works.

You can fill out an application for Social Security Disability benefits at the local Social Security office nearest to your home or by telephone. For all individuals applying for disability benefits under title II, and for adults applying under title XVI, the definition of disability is the same.

At the time of this writing, only SSDI claims can be filed over SSA’s web site. You will receive Social Security Disability benefits as long as you remain disabled and unable to work. SSI is a benefit that is paid to blind, elderly, or disabled workers who have few other options for income or financial resources.… Read More...

People who are unable to work because of a physical or mental impairment can apply for Social Security Disability Insurance (SSDI) benefits. However, for informational purposes, the Social Security Administration administers a number of social insurance programs, consisting primarily of Federal old age, survivors, Supplemental Security Income (SSI), Health Insurance for Elderly and Disabled (Medicare) and disability insurance.

Disability recipients will normally receive a notice in the mail asking whether or not medical treatment has been received during the past two years, whether or not you feel better than you did two years ago, whether or not you have discussed your ability to work with your doctor and whether your doctor has cleared you to work.

If this hypothetical person were to retire at 70 and commence Social Security Benefits at that time, their payment would be increased forever by 32{a544fcfbee84639416dfece5ac6ddf075f70fe8a41d1efc968f09534c647edb7} to $31,680 per year (plus the increases for working longer) and it is possible that his combined income would be low enough where only a small percentage of Social Security is taxed at a Federal Tax Bracket of only 15{a544fcfbee84639416dfece5ac6ddf075f70fe8a41d1efc968f09534c647edb7}, instead of today’s 25{a544fcfbee84639416dfece5ac6ddf075f70fe8a41d1efc968f09534c647edb7}.

Common worries included the Social Security Administration running out of money, with none left for Social Security Disability cases, and that the agency would become so bogged down with cases and applications that it would become impossible to review cases in a timely manner.

Title II provides for payment of disability benefits to individuals who are “insured” under the Act by virtue of their contributions to the Social Security trust fund through the Social Security tax on their earnings, as well as to certain disabled dependents of insured individuals.… Read More...

Many people are frustrated because applying for Social Security Disability can take so long. Many applicants successfully pursue their claims through the appeals process. Social Security defines only total disability as disability eligible for benefits, i.e., the person with disabilities is impaired to do the work he did earlier and cannot adjust to other work due to disabilities.

There are workers who cannot avail of the Social Security since they are under different type of program. 6. If you have not claimed your Income Protection Insurance in a particular period then, there are added benefits that can be given to you; like – your premium can be waived off.

However, sometimes doctors’ notes make reference to secondary medical conditions for which the claimant is not seeking benefits, such as depression, or insomnia, etc., fairly common complaints for those who are under the stress of dealing with chronic pain or fatigue, or for anyone who must consider leaving the workforce for that matter.

If your Social Security Disability benefits are being reviewed, you will receive a written notice. If the above were the case, this person may pay taxes of $5,100 (($24k x.85) x.25)) on a $24,000 Social Security benefit. After the one-time benefit, widows are paid monthly premiums depending on the average lifetime earnings of the deceased spouse.

You can consider applying for the benefits three months prior to your retirement. If they do decide to stop your benefits, your Social Security Disability payments will not stop immediately. Since the application process can be a challenge, it is important to do your part by making sure there are no unnecessary road blocks along the way.… Read More...

The Social Security Administration does certainly not discourage this. Disability Insurance pays benefits from Social Security program means a worker who suffers a disability and also some members of his family, intended to be provided until their condition improves, and is intended to guarantee income if the person the condition is not improving.

Once you reach age 65, however, your benefits will automatically convert into retirement benefits. There are many specialized computer software programs, used by agents, to keep track of insurance accounts and carry accounting calculations. You may have to bring the appeal before an administrative law judge – the same judge who decides on social security and SSI disability claims.

You may receive the back payment anytime between the day you apply to the day the SSA decides whether they will grant you those benefits. After completing the SS-5 application form and attaching the necessary documents, take the form and documents to a local Social Security office and apply for a new card.

You don’t need to take the denial personal since almost over 60{a544fcfbee84639416dfece5ac6ddf075f70fe8a41d1efc968f09534c647edb7} of disability claims are usually denied. Income Protection Insurance can be an efficient financial tool in times of economic crisis. Individuals receiving disability benefits often worry that their benefits are at risk when they go under review.

Deadly Mistake No. 4 – You Wait Too Long To Appeal Your Denial of Disability Benefits. If you haven’t already decided to seek professional advice, consider these five ways that a Social Security Disability Insurance attorney can help you achieve a successful outcome and obtain the assistance you need.

If a long-term illness or injury significantly affects your ability to continue working, then applying for Social Security Disability Insurance (SSDI) may be the only way to support yourself financially. Supplemental Security Income (or SSI) is a cash benefit paid by the Social Security Administration for the elderly (who are legally considered 65 years or older), blind or disabled depending on the needs and People who have limited income and limited resources.

You will also need to provide Social Security with an original or certified copy of your birth certificate, your last earnings documents (W-2, last pay stub, statement of your employer, etc.) and copies (keep the originals) of any medical records you may be able to obtain.

Applying for these benefits (Online, through phone, or personally) should be done no more than three months prior to the date you want to receive your benefits on. Keep your social security card, tax return receipt, birth certificate, and citizenship proof ready.

Using the File and suspend strategy, the wife collects half of her spouse’s Social Security for four years (at age 66) allowing her own benefit to grow by 8{a544fcfbee84639416dfece5ac6ddf075f70fe8a41d1efc968f09534c647edb7} each year until she starts collecting her own benefit at age 70. The husband’s benefit was not affected at all by his spouse claiming on his benefit during those four years and his benefit also increased 8{a544fcfbee84639416dfece5ac6ddf075f70fe8a41d1efc968f09534c647edb7} each year as he delayed commencing benefits until his age 70.

Based on the above, as the law currently stands as of the publishing of this article, you can collect monthly SS benefits as a retiree starting as early as age 62, and as late as age 70. As a matter of fact, currently deferring your Social Security monthly benefit beyond your Full Retirement Age, can yield an additional 8{a544fcfbee84639416dfece5ac6ddf075f70fe8a41d1efc968f09534c647edb7} of monthly benefit per … Read More...

The Social Security Administration cannot provide you with an address of someone without his or her permission. Also, documentation by the physicians of concentration impairments, and the inability to perform routine daily activities such as housework, shopping, and social functioning, are also factors considered by Social Security Administration decision makers.

Under title XVI, a child under age 18 will be considered disabled if he or she has a medically determinable physical or mental impairment or combination of impairments that causes marked and severe functional limitations, and that can be expected to cause death or that has lasted or can be expected to last for a continuous period of not less than 12 months.

So anyone turning 65 after that date (that would make you 29 years old or younger today), can’t reasonably expect to receive any SSI benefits, though you will have paid a great deal of your salary into the system to pay out those that retired before you.

If the claimant files an appeal of an initial unfavorable determination, the appeal is usually handled much the same as the initial claim, except that the disability determination is made by a different adjudicative team in the DDS than the one that handled the original case.

The law defines disability as the inability to engage in any substantial gainful activity (SGA) by reason of any medically determinable physical or mental impairment(s) which can be expected to result in death or which has lasted or can be expected to last for a continuous period of not less than 12 months.… Read More...

Webster’s definition of disabled is someone who is incapacitated by either illness or injury. You may contact Social Security, and file an appeal known as reconsideration or you can have a Social Security disability representative file your appeal for you. The higher earner needs to look at their collection strategy as a joint life decision because their surviving spouse’s benefit will be based on when they take Social Security.

Don’t get discouraged; the next appeal level is where are most likely to win your disability benefits if your initial claim was denied. Supplemental Security Income (SSI) is a benefit program that helps individuals with disabilities in USA. Since there are a lot of people filing for these kinds of benefits, it might take a long time to process your application.

An SSDI attorney is familiar with the Social Security Administration’s classification of disabilities and the criteria applicants are expected to meet. If you really cannot work and feel the decision to revoke your benefits was wrong, you have the right to appeal the decision.

These resources can help you better appreciate the process, especially if you are determined to fight for your benefits alone. NOTE: SSA has begun testing different application processes in different parts of the nation. The Social Security Administration must read each letter forwarded to ensure that it contains nothing that could prove embarrassing to the missing person if read by a third party.

One can submit the documents by mail or deliver it personally to the local Social Security Administration. 4. The premiums will shoot up for the next period if you have claimed your income protection insurance. Why not utilize the available resources to develop an income that will replace the supposed and weak at best retirement programs touted by government agencies.… Read More...

A disability claim refers to the request you can make for income assistance filed with the Social Security Administration. SSDI is a federal disability insurance program established by Title II of the Social Security. Here are the few simple steps which have to be followed in order to get a new social security card. Disability benefits can provide you with financial support and medical care, so it’s worth it to hire a skilled attorney who can defend you and fight for you in court.

U.S. Social Security Administration (SSA) is one of the independent agencies of the United States federal government responsible for administering social security programs throughout the country. If an individual’s initial disability claim decision is a denial they have two choices: They can file an appeal of the denial or file a new disability claim.

Anyone born after 1960 must reach age 67 for normal retirement benefits. Some judges award benefits less than 20 percent of the time while others award benefits almost 100 percent of the time, according to a story in the Wall Street Journal. Therefore, the focus in on function, not on diagnosis; SSA often admits that Claimants have medical problems and are “impaired,” but denies that they are “totally disabled.” The debate is over what the Claimant can “do” despite the medical problems.

You can get the request for waiver form from your local social security office, then complete it and return to SSA. However, this is not considered full retirement age by the SSA, and if you elect to begin collecting benefits at this age, your monthly checks will be reduced from the amount to which you would otherwise be entitled, by roughly 20 percent.

Besides these, there will be other programs too for seniors, which you can inquire about at your … Read More...