The Best Ways To Face Disability
In our lifetime, getting injured and becoming ill can happen several times. Work related injuries and illnesses are covered by the company’s health insurance, so one just needs to worry about recuperating and returning healthy again.
According to the Bureau of Labor Statistics, a total of 4,836 workers died from a work-related injury in the U.S. in 2015, the highest since 2008. Nearly 20 percent of fatally-injured workers were employed in the private construction industry.
However, for injuries that are non-work related, the injured person must shoulder all the expenses of getting treated, the in between medication, and the after care. This is where filing for a disability claim will come in.
The Application Process
The Social Security Administration (SSA) handles numerous disability claims each year, the claimants vary from young adults to old age. They provide benefits to people who can’t work because of a medical condition that could last more than a year or may result to death.
Find out who can apply for a claim from the official website of SSA. Here’s a list of qualified claimants:
- Are age 18 or older;
- Are not currently receiving benefits on your own Social Security record;
- Are unable to work because of a medical condition that is expected to last at least 12 months or result in death: and
- Have not been denied disability benefits in the last 60 days. If your application was recently denied for medical reasons, the Internet Appeal is a starting point to request a review of the medical determination we made.
And here is what you will be needing when applying for a claim:
- Print and review the Adult Disability Checklist. It will help you gather the information you need to complete the application.
- Complete the Disability Benefit Application.
Also, here is a list of documents you need to provide along with your application form:
- Birth certificate or other proof of birth
- Proof of U.S. citizenship or lawful alien status if you were not born in the United States
- U.S. military discharge paper(s) if you had military service before 1968
- W-2 forms(s) and/or self-employment tax returns for last year
- Medical evidence already in your possession. This includes medical records, doctors’ reports, and recent test results
- Award letters, pay stubs, settlement agreements or other proof of any temporary or permanent workers’ compensation-type benefits you received
But the SSA isn’t the only body you can run to when in need of a financial assistance due to a non-work related injury. There are other means to get yourself covered when unfortunate incidents occur.
The Disability Insurance
It isn’t just the government that can help you with your disability claims. There private sectors such as insurance companies that provides short-term and long-term coverage. And some companies have a disability insurance for all employees that basically works the same way.
Insurance Assistance Programs
A well-developed insurance assistance program for employees will motivate them to recover faster from their injuries so they can go back to work right away. In this program, some premium benefits are extended to the immediate family of the employee, which then insures security for the entire family.
Some assistance programs include counseling, parenting and information services, child and elder care, and so much more. Your company should invest in an insurance firm that offers more benefits for the employees.
Short-term State Disability Insurance (SDI)
Several states are providing short-term benefits for eligible state workers who are unable to work due to non-work related illness, injury or pregnancy. Some state insurance programs include a paid family leave where workers are given some time off to take care of a sick child, spouse, parent, parent-in-law, or a sibling.
A good example of SDI is the existing California SDI. Read it to find out more.
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4 Ways To Protect Yourself In A Bad Neighborhood
There are many reasons we end up in an area which might be viewed as a troublesome neighborhood. It could be a limited income that doesn’t give you much room to choose, a recent development in the surrounding area that has attracted unlikely settlers, or going through a bankruptcy.
As there are reasons why one can end up in a bad neighborhood, there are also reasons to remain positive and take the situation in a better light. Staying alert can help you survive living in the area if transferring to a new neighborhood hasn’t crossed your mind, or if it isn’t possible, even if you want to.
When Do You Consider A Community Troublesome?
Tell-tale signs of a bad neighborhood could greet you in the open, or they stay hidden in the darkest alleys at night. Here’s a few things you can look out for to decide whether you and your family can still sleep soundly when night falls.
Pubs and Hubs
If you often see drunken stupor in the sidewalk or along the path you always take to reach home or the blinding neon lights and blaring music seeping through a poorly installed soundproof door, then this probably isn’t the best place to raise children.
Smelly, leaking, rusty, or old garbage bins invite rodents to feast and breed in them. These pests brings nothing but dirt, germs, and infestation in the nearby homes. If this is a scenario around your neighborhood, then the health risk can be alarming.
Regardless if it is a building, a house, or a couple of houses; abandoned buildings could mean several things. Either the mortgage is too expensive or local businesses aren’t thriving. Or there could be other serious reasons behind the abandonment.
Patrol car sirens screaming too often could only mean criminal activities in the area are rampant. This one isn’t just a case of bad neighbors, it may be a dangerous place to live in.
Will you stay despite proving that it isn’t the idea community to live with your family? If moving out isn’t a choice yet, what can you do to survive this harsh environment?
Staying Comfortable, Safe, and Alert
Just before thinking that the conditions are too drastic and too stressful for you, here’s a list of things you should be mindful about.
Get to Know your Neighbors
By identifying which is which, whom is who; it would be easier to find an ally and create positive relationship with the neighbors. Don’t start out with too much negativity. Give them some consideration.
Build rapport and initiate small talk to the people living near you or the ones you often meet when going to and coming back from work. Be friendly but still mindful of any possible threat.
There is Power in Numbers
In as much as possible and if you can avoid it, try not to walk alone at night, especially in less crowded places. A rise in criminal activity should cause alarm. And you should not present yourself as a possible target for the law breakers.
If you need to walk, walk with a group. Don’t give them the idea that you are a vulnerable target. Stay in the confines of your car or take a cab when you’re alone. Don’t take risks when your safety isn’t fully guaranteed. Stay alert.
Arm and Protect Yourself
We aren’t talking about bringing guns and knives here. This about the little harmless things that can give you protection such as the trusty pepper spray. A dog is a good companion when you’re walking alone and a helpful friend when there is possible danger. No one would want to get bitten by a protective dog.
Investing on an alarm system for your home will ensure your family’s safety. It may be too costly but think about the long term security a high quality alarm system can do for you in this type of community.
Don’t Be Too Suspicious
Believe in the saying that there is good in everybody. Don’t be too suspicious and judgmental, unless there are remarkable, alarming signs. You may end up with more misunderstandings than creating favorable relationships with your neighbors.
Reserve the right to be cautious but don’t over react. Who knows, the community might be a much more livable place despite its flaws if you see potential good in a seemingly bad neighborhood. Read more here.
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Your Escape Plan
When crime rate is on the rise, shooting incidents have come closer to your doorsteps, and noisy next door neighbors just wouldn’t tone down, prepare an escape plan.
If you wish to move away from a bad neighborhood, Sell Any House might be of great help to you. We cater to all homeowners with a “sell my house in Houston” query. Our fast home buying methods are centered on providing relief and solution to home sellers who just need to escape a nightmarish community.
Let us know whenever you need help, in any neighborhood!