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Know common reasons for disability denial

Obtaining Social Security Disability (SSD) isn't an easy process for everyone. For some people, this will be a long and drawn-out process that includes denials and appeals. In some cases, it might even involve a trial. It is imperative that you take the time to understand some of the common reasons why these applications are denied.

When you apply for disability, your medical records are obtained. Issues with these records are a common reason for the application to be denied. If the medical records don't contain the information about your condition, there is a chance that the application will be denied. This is one of the reasons why you should ensure you are forthcoming about the where and when you were treated for the condition. Any record could mean the difference between the application being approved or not.

Don't lose any more sleep trying to correct your finances

Many different situations can lead to serious financial difficulties that will require you to file for bankruptcy. You shouldn't feel ashamed that you have to file. Instead, realize that bankruptcy relief is a tool to help you get your finances back in order.

Filing for bankruptcy isn't just an attempt to take the easy way out or to avoid your obligations. You will have to make some sacrifices and work to meet certain requirements before your case will be able to move through the court system.

Bankruptcy comes with education requirements

When you make the decision to file for bankruptcy, you might be ready to get it over and done with. This isn't likely going to happen unless you had the foresight to undergo credit counseling in the recent past and asked for a certificate of completion. This is because you are required to have credit counseling before you can file for bankruptcy.

The education requirements for bankruptcy are clear. The credit counseling that you need before you file must include creating a budget, a review of your finances and a discussion about any bankruptcy alternatives that might apply to your case. This session will take about an hour or so.

3 tasks to take care of after bankruptcy discharge

No individual or business is immune from bankruptcy. One of the most recent examples in Illinois involves Star 105.5 FM filing for bankruptcy; the company has accumulated around $2.6 million in debt. 

Many individuals find they can get through bankruptcy all right without losing any major assets. However, true success relies on what you do after the court discharges your bankruptcy. There are certain actions to undertake in the immediate aftermath, so you can get your finances back in excellent order soon. 

Know what you need to do to appeal a disability ruling

Having to file for disability isn't ever an easy decision, but when you are unable to continue working because it isn't physically possible, you might have to file. It can take a while to work through the process, so you should be prepared to deal with this delay. As unfortunate as it is, some people might have to fight harder than others to get the benefits they need.

There are times when people are denied for disability based on the reviewer thinking that the case doesn't meet the established criteria. When this happens, you will need to take swift action. There are very strict time limits for appeals. You have to follow the established procedures so that you might be able to get benefits.

Earning money while on disability

Social Security Disability (SSD) is meant to help people who aren't able to work still be able to support themselves. The program is based on need and can be impacted by the person's ability to return to work. Anyone who is disabled but who is considering returning to work should learn about the restrictions that come with disability payments.

The Social Security Administration (SSA) has programs that can help individuals return to work. One of these allows for a nine-month trial period that you can use to see if you are able to work. Once this period is over, there is a grace period of three months during which you are able to continue working. This gives you a chance to see what you are able to do and if you are able to make enough money to warrant the challenges that you will face.

Bankruptcy: A difficult but sometimes necessary financial choice

The need to file for bankruptcy is place where most people never think they will find themselves. This is a serious financial decision that comes with very important benefits and impacts. You should make sure that you understand all of them before you make the decision to file. We can help you to learn all about them while you are considering your options.

One of the things that you need to know about bankruptcy is that all cases aren't created equally. One form of bankruptcy, Chapter 7, requires the court to liquidate your assets to cover what they can for your debts. Another common form of bankruptcy is the Chapter 13, which doesn't require liquidation of all your assets but it does require that you make regular payments to the bankruptcy trustee to pay off a portion of the debts.

Key tax facts for Social Security recipients

Tax season can be stressful for those who do not fully understand the process. For people who receive special assistance, such as Social Security disability benefits, this can be especially confusing.

However, taking the time to review the law and seek clarity can help to alleviate some of the stress. There are a few key facts to understand about taxes and how they affect Social Security disability benefits. 

Plan to live your life after you file bankruptcy

Filing for bankruptcy is a big step toward solidifying your financial future. When you file a Chapter 13 bankruptcy, you will work with the bankruptcy trustee to repay some of your debts. Instead of thinking of this time as difficult, you can look at it as a way to refine your money mindset.

As part of the Chapter 13 bankruptcy, you will have to live on a limited portion of your income. The remainder goes toward repaying some of your debts. This is a perfect time to learn how to tell yourself no and to set up a budget. By learning to live on a budget now, you can better manage your money when you are living without the supervision of the trustee in three to five years.

Checking the deadlines are requirements for disability benefits

Having to rely on Social Security Disability Insurance (SSDI) payments isn't something that most people think they will ever have to do. If the time for you to need these payments does come up, you need to understand that you might be facing a long road toward approval. We can help you work through the process of applying for benefits and appealing a decision if one isn't made in your favor.

There are several things that you need to know when you are applying for disability benefits. One of these is that there are time limits and certain time requirements that must be present. For example, your disability can't be a short-term one. It must be expected to impact your ability to work for a certain amount of time in order for the claim to be valid.