Podcasts about supplemental security income ssi

What is Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI)? Many have never heard of these terms and those who have are often confused by them. Partner and attorney, Chris Johnson, dives into SSI and SSDI with attorney Steve Perrigo. Prior to becoming an attorney in 2010, Steve spent 17 years working for the Social Security Administration helping hundreds of individuals.

Have you ever wondered how a childhood interest in finance can transform into a lifelong passion for helping families with special needs? Join me, as I sit down with the remarkable Lily Fallah from Guide My Finances. In this episode of Carlsbad: People, Purpose and Impact, we explore Lily's fascinating journey from her Southern California roots to becoming a Chartered Special Needs Consultant.Lily's story is truly inspiring. We delve into her career shift from working with financial giants like Morgan Stanley to embracing the flexibility of a boutique firm, allowing her to focus on her true calling. Her dedication to advocating for individuals with disabilities shines through her work with The Arc of San Diego, where she serves as a board member and treasurer.But it's not all business! Lily shares her personal joys, including her recent engagement and adventures in Greece, as well as her love for community and nature. Discover how Lily blends her professional expertise with personal passions to make a significant impact in Carlsbad.Tune in to hear how Lily is changing lives, one financial plan at a time! And don't forget to reach out to her for personalized financial guidance.Lily Fallah's Bio:My career in the financial services industry began in 2016. I've had the privilege of assisting both high-net-worth individuals and the business sector. My areas of expertise are diverse, covering everything from strategic 401(k) planning and tailored retirement strategies to customized portfolio management.I enjoy every facet of my career and the area I find the most fulfilling is my work within the Special Needs community. This personal calling led me to earn the Chartered Special Needs Consultant® designation (ChSNC®) and I'm honored to be among a select group of financial advisors in the United States who hold this credential.As a Chartered Special Needs Consultant (ChSNC®), my focus centers on supporting the disabled community with educated expertise, including: Evaluating a child's eligibility for crucial government benefits such as Supplemental Security Income (SSI), Social Security Disability Benefits, Medicare, Medicaid, and more.Cultivating essential relationships with referral partners like estate planning attorneys, insurance brokers, and CPAs with specialized knowledge in serving the disabled community.Navigating the management of assets within special needs trusts to ensure meticulous financial oversight.Creating comprehensive, tailor-made financial plans that span both the client's and their disabled child's lifetimes.My work in this community extends outside of the office. I'm proud to be an active contributor to The Arc of San Diego, a distinguished provider of special needs services. My involvement as a board member, Treasurer, and Chairman of the Investment & Finance Committee has given me a greater understanding of the needs of the families I support and extended my network of resources.Beyond the world of numbers and strategies, you'll find me enjoying my friends and family, traveling and exploring.Connect with Lily:Email: lily@guidemyfinances.comWebsite: guidemyfinances.comLinkedIn: Lily Fallah Did this episode have a special impact on you? Share how it impacted youCarlsbad Podcast Social Links:LinkedInInstagramFacebookXYouTubeSponsor: This show is sponsored and produced by DifMix Productions. To learn more about starting your own podcast, visit www.DifMix.com/podcasting

The Social Security annual cost-of-living adjustment (COLA) provides beneficiaries with a hedge against rising prices. This includes all beneficiaries, not just retirees and survivors but also people who receive disability payments. So people collecting Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), the two types of payments Social Security administers for people unable to work due to a serious health condition, will get a 2.5 percent increase in their monthly benefits in 2025. The COLA tracks changes in consumer prices year to year and is applied to benefit amounts. Other measures that chart national trends in wage growth... For the written story, read here >> https://www.signalsaz.com/articles/how-the-2025-cola-affects-social-security-disability-benefits/Check out the CAST11.com Website at: https://CAST11.com Follow the CAST11 Podcast Network on Facebook at: https://Facebook.com/CAST11AZFollow Cast11 Instagram at: https://www.instagram.com/cast11_podcast_network

  Get the details on Medicare Extra Help (Low Income Subsidy) in this ASG Podcast explainer. Find out how agents can look up this info for clients, the income limits, and more!     Read the text version    Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 7 Powerful Practices for Selling Prescription Drug Plans: https://ritterim.com/blog/7-powerful-practices-for-selling-prescription-drug-plans/   Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans: https://link.chtbl.com/ASGB20241012 How to Help Clients Avoid Medicare Late Enrollment Penalties: https://ritterim.com/blog/how-to-help-clients-avoid-medicare-late-enrollment-penalties/ How to Save Your Clients Money on Prescription Drugs: https://ritterim.com/blog/how-to-save-your-clients-money-on-prescription-drugs/   The Beginner's Guide to D-SNPs: https://ritterim.com/blog/the-beginners-guide-to-dsnps/ The Part D SEP Triggers That Can Help You Post-AEP: https://ritterim.com/blog/the-part-d-sep-triggers-that-can-help-you-post-aep/ What Agents Can't Say During Medicare Sales Appointments: https://ritterim.com/blog/what-agents-cant-say-during-medicare-sales-appointments/   What Agents Forget to Do When Preparing for Appointments: https://link.chtbl.com/ASG6245   References:  “Apply for Medicare Part D Extra Help Program.” SSA.Gov, Social Security Administration, www.ssa.gov/medicare/part-d-extra-help. Accessed 25 Oct. 2024. “Extra Help with Medicare Prescription Drug Plan Costs, Social Security.” SSA.Gov, Social Security Administration, secure.ssa.gov/i1020/Ee001View.action. Accessed 25 Oct. 2024. “Guide to Consumer Mailings from CMS, Social Security, and Plans in 2024/2025.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/prescription-drug-coverage/limitedincomeandresources/downloads/consumer-mailings.pdf. Accessed 25 Oct. 2024. “Low Income Subsidy for Medicare Prescription Drug Coverage.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/enrollment-renewal/part-d-plans/low-income-subsidy. Accessed 25 Oct. 2024. “Medicare Savings Programs Eligibility and Coverage.” NCOA.Org, National Council on Aging, 27 Feb. 2024, www.ncoa.org/article/medicare-savings-programs-eligibility-coverage/. “News and General Resources.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/inflation-reduction-act-and-medicare/resources-0. Accessed 25 Oct. 2024. “State Health Insurance Assistance Program (SHIP).” Shiphelp.Org, State Health Insurance Assistance Program, www.shiphelp.org/. Accessed 25 Oct. 2024. “Supplemental Security Income (SSI).” SSA.Gov, Social Security Administration, www.ssa.gov/ssi. Accessed 25 Oct. 2024. “Understanding the Extra Help with Your Medicare Prescription Drug Plan.” SSA.Gov, Social Security Administration, 1 Feb. 2024, www.ssa.gov/pubs/EN-05-10508.pdf.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

In this episode of the Friends for Life Podcast, we dive into a timely update for Supplemental Security Income (SSI) recipients who will notice a unique payment schedule in the coming months. With a few quirks in the calendar, SSI beneficiaries will receive two payments in November as December's payment will arrive early due to the first of the month falling on a weekend. This adjustment means no payment will be issued at the start of December, though recipients can still plan on a New Year's Eve payment for January and other similar shifts in the early part of 2025. Alongside these adjustments, a 2.5% cost-of-living increase will take effect, offering some additional support as inflation rises.  We'll break down what this means for SSI recipients and discuss how the Social Security Administration's payment schedule ensures that recipients receive their benefits on time. For those unfamiliar with the differences between SSI and Social Security benefits, we'll also shed light on the basics. SSI serves as a need-based benefit for older adults, people with disabilities, and those who are blind, regardless of work history, while Social Security benefits are earnings-based. Join us as we simplify these financial shifts and help recipients understand what to expect over the next few months.

Series: Future Planning "Supplemental Security Income (SSI) & Employment" with Aleyada Toruna We continue on in our Future Planning Series today with a topic that many of us have allot of questions about. Can an individual receive both Supplemental Security Income or SSI and be employed earning an income. This can be a complicated subject and we are incredibly blessed to have expert Aleyda Toruno on today to explain it all to us. Aleyda has been advocating for the rights of people with disabilities for over 20 years. Prior to her current position at Cornell as Work Incentives Associate, she represented clients in mediations and hearings in Social Security work incentives, vocational rehabilitation, special education, California Regional Center services and Medi-Cal. Her passion to help clients through the employment continuum led her to the world of work incentives counseling. Lets listen in as she shares. Bio: Aleyda has been advocating for the rights of people with disabilities for over 20 years. Prior to her current position at Cornell as Work Incentives Associate, she represented clients in mediations and hearings in Social Security work incentives, vocational rehabilitation, special education, California Regional Center services and Medi-Cal. Her passion to help clients through the employment continuum led her to the world of work incentives counseling. For more information on Student Earned Income Exclusion see SEIE Contact: https://www.yti.cornell.edu/   Connect with Us: If you enjoy this podcast please share us with others and be sure to follow us so won't miss an episode.  We'd love to hear from you so please leave us a comment or rating and connect with us on social media or on our website.  Email us Website: Instagram Facebook: Facebook Group Free Youtube Resource Library 

In this episode of the Friends for Life Podcast, we dive into the recent announcement from the Social Security Administration about a 2.5% increase in Social Security and Supplemental Security Income (SSI) benefits for 2025. This cost-of-living adjustment (COLA) is tied to inflation and will provide a much-needed financial boost to millions of Americans, including many individuals with disabilities. We discuss how the new maximum federal SSI benefits will rise to $967 per month for individuals and $1,450 for couples, with some states contributing additional funds. Listeners will also learn about the simplified notifications beneficiaries will receive, providing clear details on their updated payments. Join us as we explore how this adjustment will impact the 7.5 million Americans relying on SSI payments, many of whom are part of the disability community. We'll take a closer look at the significant increases in COLA over the past few years and how these adjustments help people keep up with rising living costs. This episode provides an essential update for anyone receiving benefits or supporting someone who does, with critical information on what to expect in the coming months.

The definition of synergy is two things put together, having an effect greater than the sum of the parts. Synergy can play a beneficial role in family finances. A case in point is an ABLE account working together with a special needs trust for a person with disabilities. Matt Syverson joins us today to talk about it.Matt Syverson is Managing Partner & Senior Wealth Advisor for Sound Stewardship in Overland Park, Kansas. He is also a Certified Financial Planner (CFP®) and a Certified Kingdom Advisor (CKA®). What is an ABLE Account?An ABLE account, short for “Achieving a Better Life Experience,” is a tax-advantaged savings account specifically designed for individuals with disabilities. It allows them to save money and work without losing access to crucial government benefits like Supplemental Security Income (SSI) and Medicaid, which have strict asset limits of $2,000 for individuals and $3,000 for couples. The key features of an ABLE account include:Eligibility: Available to those who are blind or disabled before age 26 (rising to 46 in 2026).Savings Opportunity: Allows individuals to work and save without exceeding government asset limits.Tax Benefits: Often provides state tax deductions similar to 529 college savings plans.Contribution Limits: The lifetime maximum contribution limit aligns with 529 plans but should stay under $100,000 to avoid affecting SSI or Medicaid.Qualified Expenses: Can be used for day-to-day needs like food and rent, excluding vices like alcohol or gambling.No Impact on Government Benefits: ABLE account balances won't disqualify the individual from receiving SSI or Medicaid.It's important to note that in most states, there is a Medicaid payback provision, which allows the state to recover funds from the ABLE account to cover medical bills after the account holder's passing. However, some states, including Kansas, have removed this clawback provision, making these accounts even more attractive for families.What is a Special Needs Trust?A special needs trust (SNT) is a more established tool designed to protect individuals' eligibility for government benefits while allowing families to manage significant assets. This trust can hold homes, vehicles, real estate, investments, and various accounts like IRAs or Roth IRAs. Key benefits of a special needs trust include:Asset Management: Can hold a wide variety of assets that would otherwise disqualify someone from receiving government benefits.Estate Planning Certainty: Spells out how the assets will be managed and distributed after the individual's passing.No Medicaid Clawback: Unlike ABLE accounts, SNTs are not subject to Medicaid payback provisions, providing greater long-term financial security.Spending Flexibility: Can cover a wide range of expenses not covered by government programs.However, special needs trusts come with a downside. If the trust is used to pay for food or rent, the SSI benefit will be reduced by $334 per month. Additionally, any direct payments to the individual from the trust can affect SSI income, so careful management is required.How Can ABLE Accounts and Special Needs Trusts Work Together?Combining an ABLE account with a special needs trust can offer significant advantages for families. The ABLE account can be used for day-to-day expenses, while the special needs trust can be preserved for larger, long-term financial goals. This separation allows for greater flexibility and financial independence.Day-to-Day Needs: An ABLE account can cover immediate expenses like food and rent without reducing SSI benefits.Long-Term Planning: A special needs trust can hold larger assets and ensure they are passed on to future beneficiaries without impacting government benefit eligibility.Tax Benefits: ABLE accounts enjoy tax-free growth and withdrawals for qualified expenses, while special needs trusts are fully taxable each year. Therefore, it is beneficial to use the ABLE account for specific expenses to maximize tax savings.Why Go Through the Effort?Setting up both an ABLE account and a special needs trust takes planning, but the benefits are well worth it. ABLE accounts are simple and inexpensive to establish, offering tax advantages and flexibility for everyday expenses. Special needs trusts, while more complex and costly, assure that your loved one will retain their benefits and that their assets will be managed according to your wishes.When creating these plans, it's crucial to consult with an attorney and a financial advisor. Coordinating contributions to the ABLE account and the special needs trust is crucial to avoid exceeding limits that could affect eligibility for government benefits.Combining an ABLE account with a special needs trust can provide powerful financial synergy for families caring for a loved one with disabilities. With the right planning, these tools help ensure both short-term financial needs and long-term security, allowing your family member to thrive and achieve their God-given potential.On Today's Program, Rob Answers Listener Questions:My wife and I have the opportunity to purchase land and build a home using a VA loan. We currently own 8 acres with a mobile home, and we're trying to decide whether to get a double-wide mobile home or build a metal shop/barn instead. We have six kids, so finding the right long-term housing solution is essential. What is the best approach for us?Resources Mentioned:Sound StewardshipLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The United States government is set to issue Social Security checks with Cost of Living Adjustments (COLA) ahead of schedule in 2025.12 These adjustments are designed to help retirees keep up with rising costs due to price inflation. The COLA impacts both Social Security retirement payments and Supplemental Security Income (SSI). The exact percentage increase is yet to be confirmed, but projections suggest an increase of approximately 2.5%. For SSI beneficiaries, the first payment incorporating the 2025 COLA will arrive on December 31, 2024, instead of the usual date of January 1st.45 This is because January 1, 2025, falls on a holiday. The maximum SSI payment on this date will be $943 plus the 2.5% COLA increase.

As we commemorate the 50th anniversary of Supplemental Security Income (SSI), we can reflect on the program's history and its future. What began in 1974 as a lifeline for America's most vulnerable has evolved, yet still faces significant challenges in meeting its original mandate. With maximum benefits falling well below the federal poverty level, SSI stands as both a testament to our nation's commitment to social welfare and a reminder of the work that remains to be done. Andrew Biggs from American Enterprise Institute joins the show to share his experiences with SSI and to celebrate this milestone in social security’s history.

Episode 84: Calloway County social security disability attorney Jeff Roberts explains a recent change to the social security disability look-back period.  This refers to the number of years they have to look back over your previous work history to see if you could perform a different job, rather than receiving disability benefits.  The change is actually favorable to people who are applying for social security disability.  The Job History Look-Back Period This period is used by the Social Security Administration with both social security disability insurance (SSDI) claims and in supplemental security income (SSI) claims.  The objective is to determine whether you have transferrable skills, based on previous employment experience, that could enable you to seek other jobs, instead of receiving disability benefits.  Jeff points out that this is particularly relevant in the case of older applicants.  If you can't return to the type of work you've previously performed, you might have a better chance of qualifying for disability benefits.  For instance, assume you have previous experience working a cash register, but later began working in construction.  If you then suffer a construction injury and decide to file for SSDI, the Social Security Administration may question if you'd still be able to return to a job working a cash register, as long as that duty was performed during the look-back period. It's very important that you complete the job history form as honestly and as completely as possible.  You'll need to discuss your job history with your attorney so he/she has a full understanding of your unique situation.  The previous job history look-back period was 15 years.  As of June 2024, that period is now limited to the past 5 years.  As Jeff notes, the chance that how a job is performed looking back over 5 years ago is probably fairly similar to how it's performed today.  However, how it was done 13-14 years ago could be significantly different compared to today.  You might not have the current skills require to perform that job now.  In Episode 67, Jeff focused specifically on Social Security Disability Form 3369.  This is the form used for your job history report. The Look-Back Period Is for SSDI and SSI Claims Jeff explains the Social Security Administration offer 2 disability programs.  Social Security Disability Insurance (SSDI) applies to people who are disabled after establishing the required number of quarters actively employed.  You must meet the insured status requirements.  The Supplemental Security Income (SSI) program is not employment-based, but it is means-tested (i.e. based on income).  SSI often applies to people who were born with or developed disabilities, such as blindness, issues related to cognitive ability, diseases and/or other conditions.  The look-back period of 5 years is not as relevant, now, for someone making a claim for SSI disability benefits.  It would apply to applicants who have had sporadic work, during the past 5 years.  You can listen to Episode 37, Qualifying for Social Security Disability Benefits, for more information about which of the two programs you may be able to use.  In Episode 42, Jeff answered the question, “What is a Continuing Disability Review?”  The change in the look-back period should not have any impact on a continuing disability review, because the person would have to already be receiving benefits, before their situation is reviewed.  The episode explains what can trigger a review and what typically happens.  The good news is that during a review, the Social Security Administration is now limited to going back 5 years. Jeff Handles Injuries that May Result in a Disability Claim For the past 32 years, Jeff has handled various types of personal injury claims including automobile accidents.  He has also built a successful reputation for handling workers' compensation claims.  Both of these may ultimately result in a claim for social security disability.  Jeff is able to handle every step of this process for each of the claims, which is not as common among attorneys as you might think. What Do Other Clients Think About Jeff? We always encourage listeners to read the Google Reviews Jeff Roberts has received from many of his clients.  A 5-Star rating and the comments are earned recognition and demonstrate Jeff's commitment to his clients.  As a solo attorney, he has more Google Reviews than some firms with multiple attorneys.  Jeff shares the credit with his staff at the Roberts Law Office.  Successfully representing injured clients is a team effort.  It's why Jeff likes to say his firm offers small town service with big city results. Jeff Roberts Represents Injured Clients Throughout Kentucky With offices located in Calloway County and now Christian County, Jeff has a history of representing personal injury clients, workers' compensation clients and social security disability clients across the state.  He's represented clients from Paducah, Bowling Green, Louisville, Covington, Whitesville and many other Kentucky locations.  He's not just a Western Kentucky injury attorney.  We hope you found this episode insightful and helpful.  Thank you for listening!                                                                                                      Is It Time to Speak with an Attorney about Your Social Security Disability Claim? The office phone number is (270) 753-0053 or toll free at 800-844-5108.  For more information, visit www.JeffRobertsLaw.com. This podcast is meant to provide information and is not legal advice.  Jeff's principal office is located at 509 Main Street, Murray, Kentucky.  Co-host Jim Ray is a non-attorney spokesperson.  This is an advertisement.

Have you ever wondered how Social Security impacts those who are disabled or retired? I've seen firsthand how crucial it is for providing financial stability.  Earlier this month we spoke about Social Security and Work. In this episode of Parenting Impossible, I want to delve deeper into the basics of the critical topic of social security, public benefits, and financial planning for individuals with disabilities. Did you know that ABLE accounts are revolutionary, allowing you to save money without jeopardizing benefits like Medicaid and Supplemental Security Income (SSI)? Proper financial planning is crucial, as one misstep in managing assets can lead to the loss of these vital benefits. For SSI recipients and those on Social Security Disability Insurance (SSDI), understanding the nuances of your programs can make a big difference. Navigating social security benefits and work income can be challenging, but with the right knowledge and understanding, you can make informed decisions that benefit your financial stability.  In this episode, you will hear: Learn about Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) How work income affects SSI benefits How ABLE accounts can help manage assets without affecting SSI or Medicaid eligibility Why planning for Medicaid coverage is important   Engage with us: Join our community: Circle of Care Visit: Annette Hines Read Butterflies and Second Chances LinkedIn: @annette-hines-snc  Instagram: @parentingimpossible Facebook: @SpecialNeedsCompanies Twitter: @SpecialNeedsCo   Follow and Review: We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast.  

How do Social Security benefits and VA Disability Benefits impact each other? In this video, we discuss VA disability and Social Security benefits, how they work together, and whether any offsets apply. There are two different types of Social Security disability benefits: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). One benefit includes limits whereas the other does not. Tune in to learn more! Follow us on social media: ⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠https://bit.ly/CCKYTL⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠https://bit.ly/CCKFBL⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠https://bit.ly/CCKINL⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠https://bit.ly/CCKTL

Episode 78: Calloway County social security disability attorney Jeff Roberts discusses various factors such as a law suit settlement, lottery winnings and other income that could negatively impact social security disability benefits.  There are 2 Different Social Security Disability Programs Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are two different programs under the Social Security Administration.  Jeff explains that the disability determination is the same for both programs.  If you are considered disabled for one of the programs, you're also considered disabled for the other program. Benefits under the Social Security Disability Insurance (SSDI) program are based on what you paid into the system, over a specified period of time.  Supplemental Security Income (SSI) benefits are paid on a financial need basis.  SSI considers the income (and need) of the entire household, not just the disabled individual.  What Do Other Clients Think About Jeff? We always encourage listeners to read the Google Reviews Jeff Roberts has received from many of his clients.  A 5-Star rating and the comments are earned recognition and demonstrate Jeff's commitment to his clients.  As a solo attorney, he has more Google Reviews than some firms with multiple attorneys.  Jeff shares the credit with his staff at the Roberts Law Office.  Successfully representing a victim of an automobile accident is a team effort.  It's why Jeff likes to say his firm offers small town service with big city results. Jeff Roberts Represents Injured Clients Throughout Kentucky With offices located in Calloway County and now Christian County, Jeff has a history of representing personal injury clients, workers' compensation clients and social security disability clients across the state.  He's represented clients from Paducah, Bowling Green, Louisville, Covington, Whitesville and many other Kentucky locations.  He's not just a Western Kentucky injury attorney.  We hope you found this episode insightful and helpful.  Thank you for listening!                                                                                                      Is It Time to Speak with an Attorney about Your Social Security Disability Claim? The office phone number is (270) 753-0053 or toll free at 800-844-5108.  For more information, visit www.JeffRobertsLaw.com. This podcast is meant to provide information and is not legal advice.  Jeff's principal office is located at 509 Main Street, Murray, Kentucky.  Co-host Jim Ray is a non-attorney spokesperson.  This is an advertisement.

Social Security (SS), Supplemental Security Income (SSI), and Social Security Disability Benefits (SSDI) are three federal benefit programs that can provide income to Americans who aren't able to work. SS, SSI, and SDI are all are managed by the Social Security Administration.Each of these programs, however, have different purposes and eligibility requirements. However, when it comes to taxes and financial aid, it can be confusing to understand how each work. For example, do you need to include SSDI benefits received on the FAFSA?But how exactly do these programs work? And how do they play into your tax bill? In this article, we'll look at each one and their impact on your paycheck, taxes, and FAFSA.

Matt Syverson is a Certified Financial Planner and Certified Kingdom Advisor in Overland Park, Kansas. He's also a specialist in helping families understand and set up ABLE accounts.  WHAT ARE ABLE ACCOUNTS AND HOW DO THEY COMPARE TO 529 EDUCATION SAVINGS ACCOUNTS?ABLE accounts, akin to 529 education savings accounts in terms of contributions and tax treatments, are designed to assist individuals with disabilities by allowing for the accumulation of resources without affecting their eligibility for government assistance.ABLE accounts, initially referred to as 529A plans, are intended for individuals with disabilities, allowing them to save beyond the typical asset limits set by government assistance programs.These accounts enable the saving of funds for a broad range of needs beyond just educational expenses, providing a more flexible financial support system for people with disabilities. WHO IS ELIGIBLE FOR AN ABLE ACCOUNT, AND WHAT ARE THE CONTRIBUTION LIMITS?ABLE accounts are specifically for individuals receiving or eligible for Supplemental Security Income (SSI) due to a disability onset before age 26, with annual contribution limits matching the federal gift tax exclusion amount.Eligibility for ABLE accounts extends to individuals with significant disabilities with an onset before age 26, who are recipients of or qualify for SSI, allowing for a greater financial cushion without risking their SSI benefits.The annual contribution limit to an ABLE account is set at $18,000, aligning with the annual gift tax exclusion, enabling families and the individual to contribute without tax penalties and without affecting the individual's SSI asset limits. HOW DO ABLE ACCOUNTS AFFECT SSI BENEFITS, AND WHAT ARE QUALIFIED DISABILITY EXPENSES?ABLE accounts do not count towards the SSI $2,000 asset limit, and funds can be used for a wide array of disability-related expenses without impacting SSI benefits, offering significant flexibility and financial relief.Contributions to ABLE accounts and the savings therein do not affect an individual's eligibility for SSI as long as the account balance stays below $100,000, thus providing a secure means to save and support disability-related needs without jeopardizing SSI benefits.Qualified disability expenses are broadly defined, covering any costs related to living with a disability, including but not limited to housing, education, healthcare, and personal support services, thereby offering a versatile tool for financial planning and care. HOW ARE ABLE ACCOUNTS MANAGED AND WHAT ARE THE INVESTMENT OPTIONS?ABLE accounts are state-sponsored, similar to 529 plans, with investment options ranging from aggressive to conservative portfolios, as well as offering FDIC-insured options with debit card access for day-to-day expenses.Each state sponsors its own ABLE program, with only a few exceptions; individuals can choose to open an account in any participating state, often guided by the specific features and benefits offered by each state's plan.Investment options within ABLE accounts vary, allowing for tailored investment strategies according to the beneficiary's needs and risk tolerance, including the possibility of a portion being allocated to a checking-like account with FDIC insurance for immediate needs.ABLE National Resource Center:able nrc.org ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:I have a 401k from a previous employer and a portable pension; I'm wondering if I can roll these over into an existing IRA Roth, or if I need to consolidate them into a new IRA.My daughter is looking to buy a house or land and pay cash, but someone suggested delayed financing to get her cash back and then get a mortgage; I'm trying to understand what that is.We have a family business and are currently with a credit card processing company that does not share our Christian values. We are looking for recommendations on credit card processing companies that might be more aligned with our values. RESOURCES MENTIONED:Inspire InsightChristian Community Credit Union Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.  Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The Social Security Administration overpaid about 2 million beneficiaries over the past two years, and is telling lawmakers that more staffing is needed to reduce improper payments. SSA is dealing with its lowest staffing level in 25 years, but at the same time is providing benefits to a record 71 million Americans. The agency pays out about $1.4 trillion in benefits each year. Acting SSA Commissioner Kilolo Kijakazi told members of the House Ways and Means Committee on Wednesday that the agency overpaid more than a million beneficiaries in fiscal 2022, and more than 980,000 individuals in FY 2023. Kijakazi said those overpayments make up a small fraction of SSA transactions. She said improper payments make up 0.5% of Social Security payments and 8% of Supplemental Security Income (SSI) payments. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Social Security Administration overpaid about 2 million beneficiaries over the past two years, and is telling lawmakers that more staffing is needed to reduce improper payments.SSA is dealing with its lowest staffing level in 25 years, but at the same time is providing benefits to a record 71 million Americans. The agency pays out about $1.4 trillion in benefits each year.Acting SSA Commissioner Kilolo Kijakazi told members of the House Ways and Means Committee on Wednesday that the agency overpaid more than a million beneficiaries in fiscal 2022, and more than 980,000 individuals in FY 2023.Kijakazi said those overpayments make up a small fraction of SSA transactions. She said improper payments make up 0.5% of Social Security payments and 8% of Supplemental Security Income (SSI) payments. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

For this week's episode of Off-Kilter, Rebecca sat down with Jen Burdick, supervising attorney of the Supplemental Security Income (SSI) unit at Community Legal Services (CLS), Rebecca's legal aid alma mater. They had a far ranging conversation about how “eligibility doesn't equal access” and other lessons Jen has learned throughout her years as a public benefits lawyer; the human consequences of a decade-plus of defunding the Social Security Administration, from years-long backlogs in disability cases to overpayments that wreak havoc in beneficiaries' lives; how Jen combines her client representation with policy advocacy and why the perspective of direct service providers like legal aid lawyers is so valuable to shaping public policy and legislative reform; how outdated policies like outdated asset limits lead to inhumane surveillance of poor people's finances; the toxicity of the collective limiting belief that poor families aren't to be trusted with their own money, and how that shows up in the SSI program, through “dedicated accounts” that restrict how families are able to spend their benefits; and lots more.   Links from this episode: Follow Jen and CLS on Twitter/X: @jen_burdick @clsphila and learn more about CLS's work at clsphila.org Here's the Kaiser Health News story on needless SSI overpayments and how they wreak havoc in low-income beneficiaries' lives For more on the disinvestment in SSA's administrative budget, check out this Off-Kilter episode And for more on how eligibility doesn't equal access in public assistance programs, here's the prior Off-Kilter episode that Jen was featured in

Are you hoping to adopt from foster care. Don't miss this discussion of adoption subsidies with Josh Kroll, Project Coordinator for the Adoption Subsidy Resource Center at Families Rising (formerly known as the North American Council on Adoptable Children).In this episode, we cover:What are adoption subsidies?What other names are used for “adoption subsidies”? Adoption Agreements, Adoption Assistance, AAP, monthly stipend. Is there a difference between these?Who is eligible for foster care adoption subsidies?Are private adoptions eligible for adoption subsidies? What if the private adoption is of a child with special needs?Supplemental Security Income (SSI).Is there an income limit for receiving an adoption subsidy?How is the dollar amount of the subsidy determined, and by whom?Can kinship providers receive foster care adoption subsidies?What other things can be included in an adoption subsidy agreement other than a monetary monthly stipend?Does the money have to be spent directly and solely on the foster child, or can it be used to benefit the whole family or the foster child only tangentially—such as adding a bedroom so that kids don't have to share or a family vacation?What about situations where the child is either too young to be displaying needs or is not displaying needs, but the parents have reason to believe that the child will have needs as they age? How can they negotiate for future needs?How to handle adoption subsidies when you are adopting an infant with prenatal exposure to alcohol or drugs?What other type of things might be included in adoption assistance? College tuition assistance/grant/tuition waiver?How is residential treatment covered?What if you face a difficult negotiation? How can people get information about what particular states usually grant for adoption subsidies? https://nacac.org/help/adoption-assistance/How are adoption assistance/adoption subsidies handled if I'm adopting a foster child from another state?What should adoptive parents do if they believe that the adoption subsidy that is being offered is not enough?Resources:Families Rising  (formerly NACAC) Josh Kroll contact info:800-470-6665  ext 115joshk@nacac.orgNdrn.orgThis podcast is produced by www.CreatingaFamily.org. We are a national non-profit with the mission to strengthen and inspire adoptive, foster & kinship parents and the professionals who support them. Creating a Family brings you the following trauma-informed, expert-based content:Weekly podcastsWeekly articles/blog postsResource pages on all aspects of family buildingPlease leave us a rating or review RateThisPodcast.com/creatingafamilySupport the showPlease leave us a rating or review RateThisPodcast.com/creatingafamily

A special needs trust, also known in some jurisdictions as a supplemental needs trust, is a specialized trust that allows the disabled beneficiary to enjoy the use of property that is held in the trust for his or her benefit, while at the same time allowing the beneficiary to receive essential needs-based government benefits. A Special Needs Trust is a specific type of irrevocable trust that exists under Common Law. Several Common Law nations have established specific statutes relative to the creation and use of Special Needs Trusts, and where they exist a Special Needs Trust will not be valid unless it comports with the requirements listed in the statute. The applicable Federal statute in the United States is found at Title 42 United States Code. Several States have established their own statutes. Generally, irrevocable trusts can be used for minors, beneficiaries with physical or mental challenges, and as a method of asset protection. In addition to the public benefits preservation reasons for such a trust, there are administrative advantages of using a trust to hold and manage property intended for the benefit of the beneficiary, especially if the beneficiary lacks the legal capacity to handle his or her own financial affairs. Special needs trusts may also be useful for people who are planning for possible future disability. Throughout the world. A trust for a beneficiary with disability may be set up in any of the common law countries, including the United States, and also in other countries that recognize the concept of a "trust." In such jurisdictions, there is often legislation that provides advantages to such trusts in the areas of taxation and state benefits, for example, in Ireland and the United Kingdom. In the United States of America, such trusts provide advantages in helping beneficiaries qualify for health care coverage under state Medicaid programs, and also for monthly cash payments under the Supplemental Security Income (SSI) program operated by the Social Security Administration. Overview. Special needs trusts can provide benefits to, and protect the assets of, minors and the physically challenged or the mentally challenged. Special needs trusts are frequently used to receive an inheritance or personal injury settlement proceeds on behalf of a minor or a person with disability, or are founded from the proceeds of compensation for criminal injuries, litigation or insurance settlements. A common feature of trusts in all common law jurisdictions is that they may be run either by family members (a private trust) or by trustees appointed by the court. Especially where a trust is to be established for a child or young person with disability, great care is generally taken in the choice of appropriate trustees to manage the trust assets and to deal with future replacement appointments. The use of a private discretionary trust can not only be more efficient in terms of taxation and access to government benefits but can also allow for more efficient investment of funds held than where funds are held by a court official (such as the Official Receiver in England and Wales). However where no appropriate trustees can be found, for example on the death of existing trustees, the court will intervene. Special needs trusts are often set up under the guidance of a structured settlement planner in cooperation with a qualified legal and financial team to ensure the trust is set up correctly. Only authorized non-profit organizations are approved to manage a special needs trust program. Such pooled trusts are available throughout the United States and are often centered on certain purposes (often disabilities). --- Send in a voice message: https://podcasters.spotify.com/pod/show/law-school/message Support this podcast: https://podcasters.spotify.com/pod/show/law-school/support

Special Needs Trusts: A Guide to Protecting Your Loved OnesWelcome back to another estate planning edition of Wine and Dime. In this episode, we will be delving into the topic of special needs trusts. As the CEO and founder of Rooted Planning Group, I have had the privilege of gaining valuable insights from the Encore Estate's Team, who have provided me with guidance and educational language on this subject. Before we dive in, I would also like to highlight a winery that I recently visited, Kemmeter, located in the Finger Lakes area of New York. Their unique approach to winemaking, influenced by music, has brought a fresh perspective to the industry. But now, let's turn our attention to the important matter at hand - special needs trusts.Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom! If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.comOr visit us at www.rootedpg.com/podcasts for full show notes and links!Key TakeawaysHere's a brief summary of the episode for all you time-pressed listeners who want your information as crisp and light as a glass of Pinot Grigio:A Special Needs Trust helps a beneficiary inherit assets without jeopardizing their eligibility for government benefits.The trust allows clients to appoint a professional fiduciary to manage the funds.Assets in the trust never directly belong to the beneficiary.Tailor your Special Needs Trust to the specific needs and circumstances of each beneficiary.Unveiling the Special Needs TrustsIn this episode, we delve into what a Special Needs Trust is all about. This is a financial safety net designed to ensure that beneficiaries continue receiving needs-based government benefits, like Medicaid and Supplemental Security Income (SSI), even after they inherit assets. It's a supplement, not a replacement. Think of it like adding that perfect splash of creamer to your morning coffee – it doesn't replace the coffee, just enhances it.Maintaining Control with Special Needs TrustsOne of the unique aspects of a Special Needs Trust is that the assets never directly belong to the beneficiary. This means they can inherit assets and still maintain their benefits. Also, a Special Needs Trust allows me as a client to appoint a trusted individual or professional fiduciary to manage the funds for the beneficiary's benefit. It's all about preserving control and ensuring the beneficiary's financial safety.When Do You Need a Special Needs Trust?In this episode, I highlight various circumstances that might require a Special Needs Trust. From caring for a sibling who can't make independent financial decisions to securing a future for a child with a learning disability, the scenarios are as varied as the wine varietals in Napa Valley. However, it's crucial to remember that a Special Needs Trust isn't a one-size-fits-all solution. Always make sure to consult with a qualified attorney or legal counsel to tailor the trust to your specific needs.My Wine RecommendationNow, what would an episode of "Wine and Dime" be without a wine recommendation? This time, I'm suggesting a Riesling from Kemmeter in the Finger Lakes area of New York. It's a wine that harmonizes just right with our discussion on Special Needs Trusts, delivering both sweetness and depth. Here's to savoring every note!I hope you find this episode as enlightening as I found it enjoyable to create. And don't forget to rate us on iTunes and share your thoughts. Your feedback is the secret ingredient to making this podcast better and better. Until next time, here's

What was discussed: 1. Money-saving strategies in Estate Planning. 2. Tax-minimizing strategies that build generational wealth. 3. Easy strategies to protect your children's inheritance from being seized if they get sued. 4. How to preserve your estate for your children should you pass away, and your surviving spouse gets remarried. 5. How to keep your affairs private and your loved ones out of court if you become disabled and can't speak for yourself. (Hint: Not all Powers of Attorney are valid!) 6. All about probate and what steps you can take now to help your family avoid this expensive and time-consuming legal process. 7. How parents (and grandparents!) of children with special needs can plan for a lifetime of care without jeopardizing eligibility for essential benefits like Medicaid or Supplemental Security Income (SSI). 8. The advantages and disadvantages of both wills and trusts. --- Send in a voice message: https://podcasters.spotify.com/pod/show/lyfeonpurpose/message Support this podcast: https://podcasters.spotify.com/pod/show/lyfeonpurpose/support

Our conversation today with Jennifer Hall, Senior Director of Community Impact for United Way Northern Shenandoah Valley featured Jennifer Locke, Managing Attorney for Blue Ridge Legal Services. Blue Ridge Legal Services is a nonprofit legal aid society providing free civil legal assistance to low-income residents of the Shenandoah Valley and Roanoke Valley of Virginia. Jennifer explained a popular misconception that everyone is entitled to free legal representation but the reality is that that only applies to criminal matters. Their legal assistance ranges from advice or brief service to ongoing representation in negotiations and litigation in state and federal courts and administrative agencies, depending on the needs of the client, the type of case, and available resources. The most common legal problems handled by Blue Ridge Legal Services include: Family disputes (for example, domestic violence, divorce) Problems dealing with debts and bankruptcy Housing and landlord-tenant disputes Eligibility for various government benefits (such as food stamps, TANF, and Supplemental Security Income (SSI) benefits) Access to health care (for example, issues involving Medicaid and Medicare) Consumer disputes, and Issues affecting seniors (such as exploitation and problems with nursing homes). They do not handle criminal matters, traffic violations, personal injuries or malpractice cases, and other cases outside of their priorities. Learn more about Blue Ridge Legal Services here: https://brls.org  Jennifer Hall gave us details for Project Connect happening at Central High School in Woodstock on Friday, June 2, 2023, from 9am - 2pm. A second event will be held at Virginia Avenue Charlotte DeHart Elementary School in Winchester on Friday, July 28, 2023, from 9am - 3pm. Project Connect is the Shenandoah Valley's one-stop FREE resource fair. Receive assistance from more than 50 service providers, all under the same roof. What often takes months to accomplish can be completed in one day. Project Connect is a project of United Way NSV that strengthens and utilizes collaborations with agencies, businesses, organizations, and the community to provide comprehensive services through an in-person resource fair event for those who are at risk of becoming homeless, are currently experiencing homelessness, or are living on the cusp of making it or not. Attend the Woodstock event: Pre-register for quick access or to reserve a specialized service. Provide a service at the Woodstock event: Are you a nonprofit? Inquire here about setting up at the event. Volunteer at the Woodstock event: Over 18 and looking to give back? See their volunteer needs here. Check out the highlights from Winchester's Project Connect 2022. Or view highlights from Woodstock's Project Connect 2022. Learn more about both events here: https://www.unitedwaynsv.org/projectconnect. Learn more about United Way Northern Shenandoah Valley here: https://www.unitedwaynsv.org/  Enjoy the Memorial Day weekend at: Newtown Heritage Festival in Stephens City - hear that conversation here. Safe at Home Community Day at Bing Crosby Stadium hosted by Reaching Out Now - hear that conversation here. Meet local author Laura Elliott at her Winchester Book Gallery event - hear that conversation here.

How Families Can Ensure Their Child with Disabilities Has a Secure Financial Future Show Notes: In this episode of the Water Prairie Chronicles, your host, Tonya Wollum, speaks with financial planner Amit Chawla about the importance of financial planning for families with special needs individuals. Drawing on his personal experience of having a son with a disability, Chawla highlights the need for proactive planning to ensure that parents are adequately prepared for their child's future financial needs. He provides valuable information on government benefits such as Supplemental Security Income (SSI) and Medicaid, as well as misconceptions about financial planning for individuals with disabilities. Chawla emphasizes the importance of seeking guidance and resources from government agencies and nonprofit organizations, and planning for the worst-case scenario. He also suggests finding other ways to fund their child's needs, such as utilizing resources like nonprofit organizations or community support. Overall, Chawla's interview underscores the crucial role financial planning plays in ensuring that families with special needs individuals can provide the best care and support possible. Connect with Amit: Podcast: https://planningforspecialneeds.podbean.com Facebook: https://www.facebook.com/MySpecialFP Instagram: https://www.instagram.com/MySpecialFP/ LinkedIn: https://www.linkedin.com/company/my-special-financial-planning/ YouTube Channel: https://www.youtube.com/@PlanningForSpecialNeeds ** My Special Financial Planning is a Financial Planning service for the Special Needs community. Pro Bono if you are not earning over $100K/year individually or $125K/year as a family, and have savings of less than $250K. Waiver programs:  https://www.kidswaivers.org/, It provides details of all waiver programs (by state) for children with disabilities or medical needs. Some of these waivers consider family income and some don't.  Connect with Us: https://linktr.ee/waterprairie Support this channel: https://www.buymeacoffee.com/waterprairie MOTHERS DAY BOOK BUNDLE GIVEAWAY! Grab your chance to win 2 signed books about Sofia Sanchez, a teen actress, model, and advocate for Down syndrome! Go to https://waterprairie.com/giveaway for details! Get a BONUS entry by answering some questions about this podcast episode: https://forms.gle/9dEy4TxjGvjMybXk6 Music Used: “LazyDay” by Audionautix is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Artist: http://audionautix.com/ Meet Today's Guest: Amit Chawla is a Software Product Manager and founder of My Special Financial Planning, a financial planning company that focuses on special needs families. He and his wife, an Estate Planning Attorney, have two boys and reside in Lexington, Massachusetts. Their oldest son is 13 years old and has Autism, which led Amit to become a certified financial planner and chartered special needs consultant. Amit's goal is to help families with special needs members plan for a better future. He volunteers for a couple of non-profit organizations to provide pro bono financial planning services, and he and his wife moderate a private Facebook group called Planning for Special Needs. Amit shares openly about his experience with raising a son on the severe side of the Autism spectrum and how it led him to become a passionate advocate for special needs financial planning.

Clint Adams is joined by Legal Aid of WV attorney Vanessa Beam to discuss Social Security and Supplementary Security Income (SSI) Benefits. What steps should you take to apply for these programs? What is a “compassionate allowance” or a “fast track” plan? At what point are you eligible to receive Social Security benefits? What do you need to prove eligibility for SSI? What does a Continues Disability Review (CDR) entail and how often are they conducted? Hosted on Acast. See acast.com/privacy for more information.

A representative payee program is a program that helps individuals who are unable to manage their Social Security or Supplemental Security Income (SSI) benefits. A representative payee is appointed to manage the benefits on behalf of the beneficiary. The program is designed for individuals who are unable to manage their Read More Shared by United Resource Connection April 21, 2023

It is tax time and we want to revisit a popular episode! Learn from Host Annette Hines and her favorite guest, law partner, and husband, Mark Worthington about answers to four top questions people ask about tax preparation and tax reporting: Can I claim my adult child as a dependent? If I charge my adult child room and board when they are living with me, is that taxable income to me? And how does this impact their Supplemental Security Income (SSI)? Taxation of special needs trusts and SECURE (Setting Every Community Up for Retirement Enhancement) Act of 2019 updates. How are caregiver payments such as Adult Family Care (AFC) and Personal Care Attendant (PCA) taxed to the recipient? In relation to #3 on taxation of special needs trusts and the SECURE Act, Mark and Annette discuss the proposed regulations that were released in February 2022. The SECURE Act shifted how distributions could be taken from retirement accounts after the account owner dies.  If you are considering including a retirement account in a special needs trust for a disabled beneficiary or if you are a trustee managing a trust that has an inherited retirement account, you must be talking with a special needs estate planner like Annette or Mark or a tax advisor.  If you or are working with an individual who lives in Massachusetts and need guidance on special needs trusts, you can contact their firm, Special Needs Law Group of Massachusetts, PA on their website: https://specialneeds-law.com/contact/ Since the recording of this episode, Congress signed into law SECURE 2.0 Act in late 2022, and updated how people save money for retirement and withdraw funds from retirement accounts. SECURE 2.0 completely revised the rules for the age at which retirees must take required minimum distributions (RMDs) from their retirement plans.  If your trust has an inherited retirement account or if you are the beneficiary of one directly, you will have to pay attention to the new required minimum distribution (RMD) rules. Finally, an important point that Annette and Mark make is that distribution decisions for a special needs trust to a beneficiary cannot be made based on taxes. Rather these decisions should be made best on what is in the best interest of the beneficiary, how much needs to be saved, the size of the trust, form of the distribution. What types of tax questions do you have? What can Annette or Mark answer for you in future episodes? Leave us a comment or question here: https://specialneedscompanies.com/podcasts

Most Social Security recipients are aware of the 8.7 percent surge in their paychecks beginning next January, the highest cost-of-living increase in 40 years. The adjustment also applies to disabled persons receiving Supplemental Security Income (SSI) as well as federal government and military retirement. The increase is based on changes in the Consumer Price Index (CPI-W) from the third quarter of 2021 to the same quarter of 2022. Those born in 1961 will become eligible for early retirement. If you plan to retire then, the amount you receive will be reduced by 4 percent for each year prior to the...Article Link

Social Security and Supplemental Security Income (SSI) benefits for approximately 70 million Americans will increase 8.7% in 2023. You may also have to fork over some additional cash come tax time. It will be more important than ever before to work with your tax professional to know where you land.

Please join us on as we welcome two experts in the field of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) provide an overview of these public benefits for Mito patients. Topics to be covered in this conference call include: Overview of SSI and SSDI programs; The differences between SSI and SSDI; Social Security’s definition of disability as it pertains to mitochondrial disease; How SSDI is designed to work, eligibility criteria, and the full range of SSDI benefitts; The application and appeals processes for SSI and SSDI; Resources available to support SSI and SSDI applications and appeals processes; Information on SSI and SSDI benefits for adult disabled children; Returning to work after obtaining social security benefits (the "Ticket to Work Program"); Specific challenges for individuals with mitochondrial disease in applying for SSDI and how to address them; and The benefits of professional representation and how to evaluate representation options. About the Speakers: Annette Hines has been practicing in the areas of Special Needs, Elder Law and Estate Planning for over fifteen years. She received her JD from Howard University School of Law, her MBA from Suffolk University and her BA from the University of Vermont. Her clients include individuals and families of children with special needs, the elderly and others in the community. Ms. Hines is the mother of two daughters, one of whom passed away from mitochondrial disease in November of 2013. Her personal experience as the mother of a child with special needs fuels her passion for quality special needs planning and drives her special understanding and dedication to her practice. Prior to practicing law, she founded and directed the nonprofit home care company, Special Families-Special Care, Incorporated which created a new standard for caregiving and a greater pay scale for caregivers. After leading the company to $1.5 million in revenue and 50 employees, she merged it with Shriver Clinical Services Corporation of Natick, Massachusetts and shifted her focus to her law practice. In addition to her membership in the Massachusetts Bar Association, she is a member of the National Academy of Elder Law Attorneys (NAELA), the National Academy of Special Needs Planners (ASNP) and the Massachusetts Association of Women Lawyers (MAWL), serving most recently as President. Recognized as a Distinguished Citizen by ARC Massachusetts and cited for public service by both the Massachusetts State Senate and House of Representatives, Ms. Hines works tirelessly on behalf of people with disabilities. Ms. Hines served as President of the Massachusetts Association of Women Lawyers for 2008-2009 and serves on the Board of Directors for a number of local non-profit organizations. Tai Venuti has more than 20 years of health education, marketing, sales, community and public relations experience in nonprofit, government and corporate arenas. As Allsup's manager of strategic alliances, she develops and grows relationships with organizations that share the company's commitment to empowering people with disabilities to live lives as financially secure and healthy as possible. Ms. Venuti is a former journalist and public relations executive. She previously managed national public health campaigns for the U.S. Department of Health and Human Services. She holds a master's degree in public health from St. Louis University, a bachelor's degree in journalism from Michigan State University, and is accredited by the Public Relations Society of America.

Brown v Davenport, (2022), was a case decided by the United States Supreme Court. The case concerned whether habeas relief may be granted if the Brecht v Abrahamson test alone is satisfied, or if the application of Chapman v California by the state courts was unreasonable because of AEDPA. The court held that federal courts can not grant habeas relief when state courts have already ruled on a prisoner's claim, unless the situation satisfies the test laid out in Brecht v Abrahamson, and the test laid out in AEDPA. Background In 2008, Ervine Davenport was convicted of first-degree murder. His conviction was challenged because during his trial he had been placed in shackles. His wrists, waist, and ankles were all restrained, but there was a curtain to prevent the jury from seeing the shackles. The state said that although the shackles were unconstitutional, they did not affect the jury's verdict. Michigan's Court of Appeals agreed with the state. The Michigan Supreme Court disagreed, however, after several jurors testified that they had seen the shackles or heard comments about them, and then sent the case back to the lower courts. The lower court again determined that the shackles did not affect the verdict, and the appellate court agreed with the state once again, and the Michigan Supreme Court denied an appeal. Davenport then challenged his conviction in the federal courts. The district court refused to hear the case. He then petitioned the U.S. Court of Appeals for the 6th Circuit, which agreed to hear the case. This appeals court cited the Deck v Missouri decision, and quoted from Holbrook v Flynn: "shackling is inherently prejudicial". The court found that the state had not met the burden of proof necessary to show that the jury was not influenced by the shackling, and provided habeas relief. The state attempted to have the decision stayed, but the court declined. … United States v Vaello Madero, (2022), was a United States Supreme Court case related to the constitutionality of the exclusion of United States citizens residing in Puerto Rico from the Supplemental Security Income program. In an 8 to 1 decision, the Court ruled that as Congress had been granted broad oversight of United States territories by Article Four of the United States Constitution, the exclusion of the territories by Congress from programs like Supplemental Security Income did not violate the Due Process Clause of the Fifth Amendment. Background. The Supplemental Security Income (SSI) program is a benefit for older or impaired citizens that are unable to take care of themselves. As established by Congress, the benefits are available to all citizens of the 50 states, the District of Columbia, and the Northern Mariana Islands, but does not cover residents of the other United States territories, including Puerto Rico. Jose Luis Vaello Madero was a recipient of SSI benefits while living in New York, and then moved to Puetro Rico in 2013. He continued to receive SSI benefits, but eventually the government discovered his new residence, terminated the SSI benefits and sought to recover approximately $28,000 he had improperly received while in Puetro Rico. A federal district judge and the United States Court of Appeals for the First Circuit found that this exclusion violated the equal protection principle of the Fifth Amendment to the United States Constitution's due process clause, which was first established in Bolling v Sharpe.

The U.S. Constitution's Territory Clause states that Congress may “make all needful Rules and Regulations respecting the Territory . . . belonging to the United States.” In exercising its broad authority, Congress has maintained different federal tax and benefits programs for residents of the Territories than for residents of the states. For example, residents of Puerto Rico are typically exempt from most federal income, gift, estate, and excise taxes but not every federal benefits program extends to residents of Puerto Rico. Supplemental Security Income (SSI) applies only to residents of the 50 states and the District of Columbia, 42 U. S. C. 1382c(a)(1)(B)(i). Madero received SSI benefits while a resident of New York. He moved to Puerto Rico, where he was no longer eligible to receive those benefits. Unaware of Madero's new residence, the government continued to pay him SSI benefits but eventually sued to recover more than $28,000. Madero argued that Congress's exclusion of residents of Puerto Rico from the SSI program violated the equal-protection component of the Fifth Amendment's Due Process Clause. The district court and the First Circuit agreed. The Supreme Court reversed. The Constitution does not require Congress to extend SSI benefits to residents of Puerto Rico. The Court applied the deferential rational-basis test. Congress's decision to exempt Puerto Rico's residents from most federal income, gift, estate, and excise taxes supplies a rational basis for distinguishing residents of Puerto Rico from residents of the states for purposes of the SSI benefits program. --- Support this podcast: https://anchor.fm/scotus-opinions/support

Dr. Andrew McCormick, Director of the Transition Program at the Down Syndrome Center, joined the podcast to discuss supplemental security income (SSI) and waivers.  If there are any topics you would like us to discuss on the podcast, please e-mail us at DownSyndromeCenter@chp.edu. To partner with the Down Syndrome Center, including this podcast, please visit https://givetochildrens.org/downsyndromecenter

It is tax time! Annette Hines, host of Parenting Impossible-The Special Needs Survival Podcast and her favorite guest, law partner and husband, Mark Worthington tackle the four top questions people ask about tax preparation and tax reporting. Can I claim my adult child as a dependent? If I charge my adult child room and board when they are living with me, is that taxable income to me? And how does this impact their Supplemental Security Income (SSI)? Taxation of special needs trust and SECURE Act updates. How are caregiver payments such as Adult Family Care (AFC) and Personal Care Attendant (PCA) taxed to the recipient? Can you imagine the dinner table conversation at their home!? We are so lucky they love talking about taxes and simplifying what can be complicated information. So please join Annette Hines and Mark Worthington as they answer these important and popular tax questions asked by our disability community. Annette Hines is the founding partner of Special Needs Law Group of Massachusetts, PC, and has been practicing in the areas of Special Needs, Elder Law, and Estate Planning for over twenty years. Her clients include individuals and families of children with special needs, the elderly, and others in the community. She received her BA from the University of Vermont, her MBA from Suffolk University, and her JD from Howard University School of Law. Ms. Hines was recently presented the NAELA (National Academy of Elder Law Attorneys) Theresa Award for 2021 by the Theresa Foundation in recognition of her outstanding efforts and advocacy for individuals with special needs. She has been recognized as a Distinguished Citizen by ARC Massachusetts and cited for public service by both the Massachusetts State Senate and House of Representatives for her work on behalf of people with disabilities. Ms. Hines was designated a 2016 Top Women of Law from Massachusetts Lawyers Weekly and has been named to the Massachusetts Super Lawyers list every year since 2014. Mark Worthington is Senior Counsel at Special Needs Law Group of Massachusetts, P.C. Mark received his J.D. from Northeastern University School of Law and his LL.M. in Taxation from Boston University School of Law. He is a Certified Elder Law Attorney (as certified by the National Elder Law Foundation (Massachusetts does not recognize legal specialties for certification)) and past President (2007) of the Massachusetts Chapter of the National Academy of Elder Law Attorneys. Mark has been named to the Massachusetts Super Lawyers list every year since 2008. In 2018 he stepped down as full-time Professor of Law and Director of the Graduate (LL.M.) Program in Elder Law and Estate Planning at Western New England University School of Law to practice full-time with Special Needs Law Group. He continues as an Adjunct Professor in the LL.M. Program. He has also taught at Northeastern in the J.D. Program. Mark is admitted to practice in Massachusetts and before the United States Supreme Court.

Michael Beloff, CFP®, ChSNC®, CAP®, ChFC®, RICP® Founding Partner, Wealth Advisor Belvedere Wealth Partners - www.belvederewealthpartners.com Phone: 203-418-4069 | Email: mbeloff@belvederewp.com In this interview, Michael and I discuss the role of Social Security when you are planning for the future of a child with disabilities. We start with an overview of Supplemental Security Income (SSI). Michael explains how disability is defined and what tests must be passed to qualify, including a 3-year look back for assets. To make things harder, Social Security has different rules for “earned” and “unearned” income. If you want a calculator to help you figure out how much SSI you or your child may qualify for click on the link below. https://truenorthdisabilityplanning.com/calculators/2022-ssi-calculator Michael leaves us with these parting thoughts. First, it's important that your child has less than $2,000 in their name by the time they turn 18. Look for hidden assets, like US Savings Bonds, which their grandparents or other family members may have gotten for them. And second, familiarize yourself with Social Security's asset and income rules. Additional Resources: Council of Parent Attorneys and Advocates (COPAA) - https://www.copaa.org/ Social Security's Program Operations Manual System (POMS) - https://secure.ssa.gov/apps10/ Special Needs Alliance - https://www.specialneedsalliance.org/ Academy of Special Needs Planners - https://specialneedsanswers.com/ MICHAEL BELOFF is a Wealth Advisor with Belvedere Wealth Partners and offers securities and advisory services through LPL Financial, a registered investment advisor. Member FINRA/SIPC Belvedere Wealth Partners and LPL Financial do not offer legal advice or services. Please consult your tax and/or legal advisor regarding your specific situation. Content in this material is for general information only and is not intended to provide specific advice or recommendations for any individual. You are under no obligation to use the services of any of the entities shown and may choose any qualified professional to provide any of the services described above. These entities and their services are not affiliated with LPL Financial and Belvedere Wealth Partners. More information about Supplemental Security Income and Social Security Disability Income can be found at the Social Security website at www.SocialSecurity.gov As an Amazon Associate, I earn commissions from qualifying purchases. For more information about True North Disability Planning you can find us here: Web: https://truenorthdisabilityplanning.com/ Blog - https://ejorgensenwordpresscom.wordpress.com Podcast (ABC's of Disability Planning) - https://anchor.fm/abcs-disability-planning Waypoints - https://waypoints.substack.com/ Facebook: @TrueNorthDisabilityPlanning Twitter: @NeedsNavigator Resource store (free downloads too) - https://www.teacherspayteachers.com/Store/True-North-Disability-Planning --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/abcs-disability-planning/message

Episode 22:  Jeff Roberts, a personal injury attorney in Murray Kentucky, also handles social security disability claims for his clients.  He's handled social security cases since 1992, when he first began practicing.  These cases have to do with disability or SSI, not social security retirement issues.   Social Security Disability Insurance (SSDI) is a benefit for those who have met the requirements for work history and what has been paid into the system.  These benefits help people when they become disabled.  Supplemental Security Income (SSI) is paid out based on financial need.  People who receive the SSI benefits typically have little to no income.  The disability requirements are the same for SSDI and SSI.  The non-disability requirements, however, are different. SSDI claims can be filed at the same time as a KY workers' compensation claim, a state disability retirement claim and sometimes a personal injury claim.  Jeff explains that it may be beneficial to have an attorney who can handle these multiple claims from a case expense and an efficiency basis.  The attorney would be familiar with the status of each claim and can manage the overlap so as to maximize the potential financial benefits for the clients.  At times, if the claims are properly managed, the settlement agreement of one of the claims could negatively impact the amount of the benefit of the other, related claims.  Social Security Disability Insurance In a nutshell, to qualify for SSDI, assuming you've met the work history requirement, is that you are unable to currently work a 40-hour work week.  There are Listings of Impairment that can be considered in determining a person's eligibility for disability.  Depending upon the types or number of listings, a person may qualify fairly easily (e.g. inoperable cancer).  You may not need to hire an attorney if you meet the proper criteria. Bi-Polar, Schizophrenia and other Mental Health Impairments People are sometimes surprised to find out that just because they have been diagnosed with a condition doesn't necessarily mean they qualify for SSDI benefits.  It comes back to how the condition impacts the person's ability to perform work.  Medical testing and medical records are important because they provide documented proof of a person's condition.  But again, it's how the condition affects you and other issues.  A person's education level, his/her past work history and other factors are also considered. Age is another determining factor for Social Security Disability Insurance benefit.  The older a person is when they file a claim for SSDI benefits, can have a positive impact on the claim.  There's a break in the decision-making process if the person is age 50 and there's another break at age 55.  This means, one set of work restrictions could be disabling for a 58-year old that would necessarily be seen as disabling for a 48-year old. When reviewing the person's work history, if they've spent their time doing heavy, manual labor, and now they're limited to a low weight restriction, the Social Security Administration (SSA) may say the person qualifies for SSDI benefits because the possibility of retraining the individual for something they've never done is relatively low at 59-60 years of age.  If the person is only 30 year of age, the situation may be viewed differently by the SSA. Cognitive Impairment Some individuals may have very low cognitive abilities, for a variety of reasons.  The Supplemental Security Income benefit provides a social safety net to provide some level of income to help those individuals. If someone has a work history, but later develops a mental health issue, he/she may also qualify for SSI benefits.  For instance, if someone is diagnosed as being bi-polar, but their ability to manage the condition with medication or other treatments becomes less effective, he/she may now qualify for SSDI and SSI benefits. PTSD and Social Security Benefits Some people who have experienced trauma are now no longer able to work in a normal setting due to the noise or the anxiety they experience around other people.  We often think of people who have served in the military who are sometimes likely to suffer from PTSD symptoms.  But, they aren't the only ones. The majority of the PTSD cases Jeff has handled from a Social Security perspective have involved women who have experienced trauma from sexual abuse or physical abuse.  The PTSD of these traumatic experiences can often prevent someone from working in an office or factory setting until they've received significant therapy, counseling and possibly medication, if at all. Social Security Benefits vs. Not Working For the majority of individuals, holding down a job is far better than going on social security disability from a physical, mental and financial perspective.  Most of the people Jeff sees would prefer to work, if it's possible.  There may be an option of the individual returning to work or taking a job.  If this happens, and it seems to be feasible, there are a lot of positive aspects to pursuing the opportunity.  You should let your attorney know this is happening, but again, the opportunity to return to work may far outweigh the money received through disability benefits. Head Trauma and Brain Injuries Consider the possibility that someone fell, was hit in the head or involved in a car accident that resulted on significant head injuries and/or brain trauma.  This person may be able to file a successful claim for Kentucky workers' compensation benefits, file a motor vehicle accident claim and also be eligible to file for social security benefits.  Jeff finds that when head trauma and/or brain injuries are present, it's often beneficial for him to speak with the person's family members or spouse.  Doctors explain that brain injuries may result in a loss of memory, trouble communicating or personality changes.  The injured person may not realize they are exhibiting any of these symptoms.  These conditions and symptoms are often referred to as “hidden injuries.”  It's also another reason the proper medical testing and/or medical records are so important to the success of the social security disability claim.  Jeff understands how to work with physicians to ensure the proper documentation is included in the injured person's file. For more information, visit www.JeffRobertsLaw.com. This podcast is meant to provide information and is not legal advice.  Jeff's principal office is located at 509 Main Street, Murray, Kentucky.  Co-host Jim Ray is a non-attorney spokesperson.  This is an advertisement.  

What is the difference between Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI)? Can a person who gets SSDI or SSI get ahead financially by working? Can they keep their SSDI and SSI? Can they keep the medical benefits that come along with SSDI and SSI? What happens if a person earns enough to stop SSDI or SSI? These and other questions will be answered by our guest experts, Michael Dalto & Melody Riefer, MSW, during our Q&A webinar.

To avoid arrearage, file modification as soon as possible.  Arrearage cannot be discharged by any court with extenuated circumstances.Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI), It is usually much easier for a person getting SSI to be awarded a downward modification.The court shall not require the support obligor to seek employment or to participate in job training, employment counseling, or other programs designed to lead to employment. If the support obligor is in receipt of supplemental security income or social security disability benefits. Family Court Act - FCT § 437-a.Child Support Lawsuit Simplified. We teach you strategies and techniques to free yourself of judicial misconduct from the State and Federal. The guarantee is YOURS.----- ❤️ Please Support The Research ----------

In this episode we discuss the covid-19 vaccine, face masks and social distancing... How to apply for Social Security Disability and/or Supplemental Security Income (SSI)...plus more. Need to purchase more disposable face masks? Visit: www.famousapple.com/facemask (affiliate link)

In this episode we discuss the covid-19 vaccine, face masks and social distancing... How to apply for Social Security Disability and/or Supplemental Security Income (SSI)...plus more. Need to purchase more disposable face masks? Visit: www.famousapple.com/facemask (affiliate link)

Since recording this episode Jeff has changed companies. He is now an Area Lending Manager with Citibank. You can connect with him by phone, email, or LinkedIn. Phone: (301) 370-5874 Email: jeffrey.bochner@citi.com LinkedIn: https://www.linkedin.com/in/jeffrey-bochner-3689416/ I apologize for the audio quality. I have replaced the microphone used during this interview. Jeff and I are working on getting a new interview scheduled and recorded. When I've uploaded the new episode I will remove this one. Special Needs families who want to purchase a home for their disabled child, or leave their existing home to their child, may face challenges if there is a mortgage on the property. Lenders want "real" people they can hold accountable, so although the property can (and likely should) be held in a Trust, the loan will have to be assigned to an individual. If a 3rd Party Special Needs Trust is used to pay a mortgage or any housing expenses, the beneficiary is at risk of having their Supplemental Security Income (SSI) reduced. A better option is to have the home placed in the Trust; take distributions from the Trust to an ABLE account; and use the ABLE account to pay the mortgage, interest, and insurance. This is another example of how working with a team of professionals can help parents - it can be overwhelming making sure all the boxes are checked and keeping up with all the rules. Jeff explains how talking to a lender, rather than using an online tool, can be more advantageous - because the right lender will seek to understand what families are trying to accomplish and may be able to have their child's home classified as "owner-occupied" rather than as an investment property. This will provide more favorable lending conditions, like a lower required down payment (maybe even as low as 5%) and reduced interest rates. Fee-Only Advisor groups XY Planning Network Find an Advisor - https://www.xyplanningnetwork.com/ NAPFA Planning Find an Advisor - https://www.napfa.org/find-an-advisor Garrett Planning Network Find an Advisor - https://directory.garrettplanningnetwork.com/search-member-profiles As an Amazon Associate, I earn commissions from qualifying purchases. For more information about True North Disability Planning you can find us here: Web: https://truenorthdisabilityplanning.com/ Blog - https://ejorgensenwordpresscom.wordpress.com Podcast (ABC's of Disability Planning) - https://anchor.fm/abcs-disability-planning Waypoints - https://waypoints.substack.com/ Facebook: @TrueNorthDisabilityPlanning Twitter: @NeedsNavigator Resource store (free downloads too) - https://www.teacherspayteachers.com/Store/True-North-Disability-Planning --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/abcs-disability-planning/message

For this week's pod, we're bringing you a conversation Rebecca moderated at this week's National Academy of Social Insurance conference on "Pathways to Economic Security" about how America's social insurance and public assistance system is falling short for disabled people and care workers who provide home and community based care services; the human consequences of how hard we've made it to access Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI); outdated program rules that trap disabled people in poverty and keep them from marrying; the "care crisis" that's resulted from underpaying and undervaluing direct care providers; and more. Guests: Matthew Cortland, policy director of Be A Hero and a former SSI recipient; Bethany Lilly, director of income policy at The Arc of the United States; and Beverly Yu, state government affairs director of United Domestic Workers/AFSCME Local 3930.

The San Antonio Food Bank, in partnership with the City of Floresville, Wilson County, and local food pantries will host a COVID-19 Response Food Distribution event on Wednesday, Feb. 3, at 10 a.m. at the Floresville Event Center at 600 S.H. 97 W. in Floresville. Eligible households include those on Supplemental Nutrition Assistance Program (SNAP); Temporary Assistance for Needy Families (TANF); Supplemental Security Income (SSI); NSLP National School Lunch Program; and Medicaid. Preregistration is required online at http://bit. ly/3os3N8s. For more information, call 210-431- 8326.Article Link

Episode 14:  Louisville social security disability attorney Trevor Smith discusses if peripheral neuropathy qualifies for SSDI benefits.  This condition is often associated with diabetes.  It can be extremely debilitating. Peripheral neuropathy is related to nerve damage.  The symptoms can result in a constant numbness and/or tingling.  It generally affects the feet or hands.  Unfortunately, there is no cure for this condition.  Medicine can be used to treat the symptoms, but for many people they don’t go away. Testing for Neuropathy Your disability case can go much better if there’s actual test results to back up your claim.  The judge will usually feel more comfortable when there is supporting evidence in the medical record.  There are 2 common tests Trevor sees performed.  An EMG is a nerve conduction study.  Another option is an exam performed by the doctor, similar to a diabetic foot exam.  If you are sensing the onset of symptoms, you need to be directly with your doctor.  If you’re having trouble with your feet or hands, let him/her know and ask to be examined for neuropathy.  Again, you want to ensure there is medical evidence to support your disability claim. Problems resulting from Neuropathy This is a fairly common condition.  If you have a job requiring you to be on your feet a lot, the pain and related symptoms may prevent you from working a 40-hour week.  Jobs on an assembly line such as at Ford, UPS or other factory work are hard enough, even without neuropathy. You may experience: Numbness, Tingling or a burning sensation in the feet or hands Difficulty standing for extended periods Loss of balance Pain in the feet and/or hands Muscle weakness If you’re over 50 years of age, and have always worked on your feet, you may be able to get disability benefits.  The social security disability system uses a grid-rule.  Part of this calculation is based on your age.    Neuropathy in the Hands This situation can be extremely difficult for people to manage.  Neuropathy in the hands can impact gross manipulation (e.g. picking up a coffee cup or bottle).  It also affects your fine manipulation (i.e. buttoning buttons, working a keyboard, etc.).   Most jobs require the use of your hands.  Neuropathy can severely limit your ability to work. Can Neuropathy Qualify for SSI Benefits? In a previous episode, Trevor explained that he helps people with 2 social security programs, either SSDI or SSI.  Neuropathy is considered a medical disability.  Regardless of whether the person has a work history, he/she may still qualify for Supplemental Security Income (SSI benefits). If you’re considering filing for social security disability or SSI, you can contact Smith and Wax at (502) 581-1133.  The website is www.SmithAndWaxLaw.com. Important Disclaimers:  The information provided on this podcast is for general informational purposes only.  It should not be construed as legal advice and does not constitute an attorney-client relationship.  You should seek the advice of an attorney for guidance related to your specific situation.  This podcast maybe freely shared, but may not be the modified or edited in any way.  This is an attorney advertisement.  Principal office is located in Louisville, KY.  Co-host Jim Ray is a non-attorney spokesperson.

From ssa.gov, “the Social Security and Supplemental Security Income (SSI) benefits for approximately 70 million Americans will increase 1.3% in 2021, the Social Security Administration (SSA) announced last week.” Michael and Adam discuss how that is assessed, what it means for retirees, and how to maximize social security for the future. Here’s the announcement. A Step-by-Step of How Social Security's COLA Is Calculatedhttps://www.fool.com/retirement/2019/03/09/a-step-by-step-of-how-social-securitys-cola-is-cal.aspx Here's the Average Social Security Benefit in 2021https://www.fool.com/retirement/2020/10/25/heres-the-average-social-security-benefit-in-2021/ Other References: 2018 Loss of Buying Power Study Social Security Benefits Lose 34% Of Buying Power Since 2000https://seniorsleague.org/assets/2018-Loss-of-Buying-Power-Report.pdf Consumer Price Indexhttps://www.bls.gov/cpi/questions-and-answers.htm#:~:text=The%20Consumer%20Price%20Index%20for%20Urban%20Wage%20Earners%20and%20Clerical,at%20least%20one%20of%20the Why Social Security’s annual increase doesn’t actually keep up with cost of livinghttps://www.pbs.org/newshour/economy/making-sense/why-social-securitys-annual-increase-doesnt-actually-keep-up-with-cost-of-living Show noteshttps://assetbuilder.com/podcast Email us with any suggestions or questions at: podcast@assetbuilder.com 

From ssa.gov, “the Social Security and Supplemental Security Income (SSI) benefits for approximately 70 million Americans will increase 1.3% in 2021, the Social Security Administration (SSA) announced last week.” Michael and Adam discuss how that is assessed, what it means for retirees, and how to maximize social security for the future. Here’s the announcement. A Step-by-Step of How Social Security's COLA Is Calculatedhttps://www.fool.com/retirement/2019/03/09/a-step-by-step-of-how-social-securitys-cola-is-cal.aspx Here's the Average Social Security Benefit in 2021https://www.fool.com/retirement/2020/10/25/heres-the-average-social-security-benefit-in-2021/ Other References: 2018 Loss of Buying Power Study Social Security Benefits Lose 34% Of Buying Power Since 2000https://seniorsleague.org/assets/2018-Loss-of-Buying-Power-Report.pdf Consumer Price Indexhttps://www.bls.gov/cpi/questions-and-answers.htm#:~:text=The%20Consumer%20Price%20Index%20for%20Urban%20Wage%20Earners%20and%20Clerical,at%20least%20one%20of%20the Why Social Security’s annual increase doesn’t actually keep up with cost of livinghttps://www.pbs.org/newshour/economy/making-sense/why-social-securitys-annual-increase-doesnt-actually-keep-up-with-cost-of-living Show noteshttps://assetbuilder.com/podcast Email us with any suggestions or questions at: podcast@assetbuilder.com 

From ssa.gov, “the Social Security and Supplemental Security Income (SSI) benefits for approximately 70 million Americans will increase 1.3% in 2021, the Social Security Administration (SSA) announced last week.” Michael and Adam discuss how that is assessed, what it means for retirees, and how to maximize social security for the future. Here’s the announcement. A Step-by-Step of How Social Security's COLA Is Calculatedhttps://www.fool.com/retirement/2019/03/09/a-step-by-step-of-how-social-securitys-cola-is-cal.aspx Here's the Average Social Security Benefit in 2021https://www.fool.com/retirement/2020/10/25/heres-the-average-social-security-benefit-in-2021/ Other References: 2018 Loss of Buying Power Study Social Security Benefits Lose 34% Of Buying Power Since 2000https://seniorsleague.org/assets/2018-Loss-of-Buying-Power-Report.pdf Consumer Price Indexhttps://www.bls.gov/cpi/questions-and-answers.htm#:~:text=The%20Consumer%20Price%20Index%20for%20Urban%20Wage%20Earners%20and%20Clerical,at%20least%20one%20of%20the Why Social Security’s annual increase doesn’t actually keep up with cost of livinghttps://www.pbs.org/newshour/economy/making-sense/why-social-securitys-annual-increase-doesnt-actually-keep-up-with-cost-of-living Show noteshttps://assetbuilder.com/podcast Email us with any suggestions or questions at: podcast@assetbuilder.com 

In This episode: --Are you having a tough time getting by just on Social Security Disability? You just might qualify for Supplemental Security Income (SSI) as well! We are sharing an update from the Assistant Deputy Commissioner of Social Security. --From Medicare, It's time for the Flu Shot! Check out the coverage. --You could be lugging around COVID19-CORONAVIRUS breeding grounds and bringing into your kitchen. --Would you pay a store owner a surcharge just to shop in his or her particular store, over and above the purchase price of what you buy? You have to listen to this!

In This episode: --Are you having a tough time getting by just on Social Security Disability? You just might qualify for Supplemental Security Income (SSI) as well! We are sharing an update from the Assistant Deputy Commissioner of Social Security. --From Medicare, It's time for the Flu Shot! Check out the coverage. --You could be lugging around COVID19-CORONAVIRUS breeding grounds and bringing into your kitchen. --Would you pay a store owner a surcharge just to shop in his or her particular store, over and above the purchase price of what you buy? You have to listen to this!

Episode 10:  Trevor Smith discusses an interesting topic in today’s podcast episode.  If someone dies while receiving SSDI benefits, does the surviving spouse or children get to continue receiving those checks? As we’ve discussed in previous episodes, the Social Security Administration has programs for Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). During the process of applying for SSI, if the person dies the case “dies” and benefits can no longer be pursued.  It entire process ceases. If you are applying for SSDI benefits, and you pass away, the case and related benefits can still be pursued.  There are two primary actions that need to be taken to preserve this process. Preserving the Right to SSDI Benefits First, someone must be appointed to act as a “Substitution of Party.”  This someone who will act on the behalf of the deceased claimant.  This person must be a family member (usually a spouse or child).  This person will typically appear in front of the judge to speak on the deceased person’s behalf. Second, a copy of the death certificate must also be provided.  How the person died is relevant to the application and subsequent benefits. Why Does How the Person Died Matter? A cause of death related directly to why the person was unable to work is valuable for the case.  For instance, someone who’s heart condition made them unable to work and ultimately died of a heart attack is a clear example. However, if for example the individual was unable to work, but died of a drug overdose, that can have a negative effect on the case. Once the substitution of party and the death certificate are available, the attorney can continue the process.  Judges often want to hear about the deceased individual from the family member’s perspective, as a substitution of party. What Type of SSDI Benefits Would be Available? If the attorney is successful in winning the case, the benefits are generally based on the “back pay” rather than an ongoing check for SSDI benefits.  Remember, with SSDI benefits, there’s a 5-month deductible.  Your attorney will be able to explain this important. The back pay is the funds that should have been paid to the individual, while still alive, during the time the SSDI application and case was working its way through the system.  Even if the person were still alive, if the case was successful, he/she would have received the back pay and ongoing benefits.  In this case, the back pay is the primary fund, including the 5-month deductible period.  Unlike Kentucky workers’ compensation, which has a specific death benefit built in, SSDI really does not.  Trevor and his colleague Scott Scheynost discussed this topic in one of the episodes of his own podcast. SSDI is an insurance policy you’ve been paying for during your career.  Each pay check usually showed a deduction of withholdings (FICA).  Part of these withholdings are to fund SSDI benefits.  You’ve been paying for this insurance. Unfortunately, with a case involving SSI, there isn’t a back pay fund to pursue.  If you’d like to speak with Trevor Smith, his office currently remains open during the COVID-19 crisis.  He has taken PPE measures to protect you if you come to the office.  Alternatively, you can contact his office at (502) 581-1133. Important Disclaimers:  The information provided on this podcast is for general informational purposes only.  It should not be construed as legal advice and does not constitute an attorney-client relationship.  You should seek the advice of an attorney for guidance related to your specific situation.  This podcast maybe freely shared, but may not be the modified or edited in any way.  This is an attorney advertisement.   Principal office is located in Louisville, KY.  Co-host Jim Ray is a non-attorney spokesperson. 

EPISODE 7:  In today’s episode, Trevor Smith, Louisville SSI attorney, discusses a heart-felt topic on how people of the homeless community can get help with SSI or SSDI. This can help individuals to become stabilized, in their time of need. This population is one of the most vulnerable in the community, so giving them a helping hand brings joy to the Smith and Wax Law Firm. There is nothing better for Trevor than to win a case for someone who is homeless. This gives them a monthly check, as well as Medicaid. He’s hopeful that this will lead them to a better life with a place to live. Supplemental Security Income (SSI) is set up for those who are basically broke. They have to have less than $2,000 in assets, for which most, if not all, homeless people qualify. The majority of the homeless community do not have a strong work history, so SSI will be a great idea to file for them. Some clients may have had work in the past but in a matter of months are now living in a tent and for their sake, Smith and Wax will file for SSI and SSDI. Many homeless individuals don’t know about SSI or SSDI benefits. There are a series of family health centers here in Louisville providing medical attention to those who may not be able to afford it. They have cultivated relationships with these health centers, so when people come in with health issues, they can get this information and be referred to Smith and Wax Law. Smith and Wax has formed a great relationship with social workers as well, so they can relay this important information. When people in the homeless community find out that they may be able to receive SSI or SSDI benefits, they are on board and ready to receive help. One important factor to remember is just because they are homeless does not mean they are disabled. Smith and Wax still has the burden of proving that they can’t work due to a disability or impairment they may have. With many of the homeless population, there are mental health issues by themselves or intertwined with physical impairments. You can contact Smith and Wax at (502) 581-1133.  The website is www.SmithAndWaxLaw.com Important Disclaimers:  Content for informational only. This is an attorney advertisement.   Principal office in Louisville, KY. Jim Ray is a non-attorney spokesperson. 

Episode 1:  Louisville Social Security Disability attorney Trevor Smith launches his firm’s podcast.  This episode provides an introduction to his background and why he decided to focus on helping people to file social security disability insurance claims and supplemental security income benefits. After graduating from law school, Trevor clerked for a Kentucky Supreme Court Justice and later practiced criminal law with his father (also an attorney) at the state and federal levels.  He has extensive trial experience.  After several years, Trevor met Al Wax, a very established social security disability attorney.  Al invited him to join his firm and take over the practice.  Trevor became a partner in what is now the Smith and Wax Law Firm. Trevor understands that the work he does can have a profound impact on the lives of his clients.  His firm is “in the trenches” with clients, from the beginning.  Clients will work directly with Trevor and his staff. Social Security Disability Insurance (SSDI) is for workers.  If you’ve worked enough time, you will have accrued benefits.  It also includes Medicare health insurance. Supplemental Security Income (SSI) is a safety net meant to help people who can’t work and don’t have a work history.  Children and adults can qualify for SSI benefits.  This program comes with Medicaid health insurance. Trevor also works with the homeless and those with mental disabilities to see if they qualify for SSDI or SSI benefits.  If so, he can handle the application and legal process. You can contact Smith and Wax at (502) 581-1133.  The website is www.SmithAndWaxLaw.com Important Disclaimers: The information provided on this podcast is for general informational purposes only.  It should not be construed as legal advice and does not constitute an attorney-client relationship.  You should seek the advice of an attorney for guidance related to your specific situation.  This podcast maybe freely shared, but may not be the modified or edited in any way.  This is an attorney advertisement.   Principal office is located in Louisville, KY.  Co-host Jim Ray is a non-attorney spokesperson. 

The disability community can thank people with Developmental and Intellectual Disabilities (and their allies) for an incredibly useful new tool.  ABLE accounts have come to California.  For the first time, many of us can now amass substantial savings without being penalized with dollars deducted from our Social Security or loss of Medi-Cal benefits! Supplemental Security Income (SSI) benefits limit savings to $2,000. — a very shaky safety net indeed. But the federal and state ABLE programs offer a work-around. Dante Allen, Executive Director of the CalABLE board. As usual, there's twists and turns.  Find out more as we talk with Dante Q. Allen, Executive Director of the CalABLE Board. Sheela Gunn-Cushman and Adrienne Lauby host. There is a move to expand these accounts to more people.  To find out more, visit the Pushing Limits website.  Tell your Congressional representatives to sign on as a co-sponsor.  Talking points at the link above. ________ Pushing Limits has been selected as one of the Ten Top Audio Podcasts & Radio You Must Subscribe and Listen to in 2019 by Feedspot.com.   It's a great list of podcasts and we're honored to be among them. The post CalABLE Savings Accounts appeared first on KPFA.

In this episode Sonya and Dave speak about Supplemental Security Income (SSI), and some details that make a difference: getting through the SSA office easily, deductions to SSI due to working, Medicaid, and more. Read the blog at www.sonyaking.com Leave us a note if you like this episode! Love to hear from you. Read the Blog: SSI | http://www.sonyaking.com/ssi

SEGURO SOCIAL: el Qué, Cómo ... #5, que incluye una explicación del beneficio Supplemental Security Income (SSI), conocido por muchos como El Suplemental. Además, preguntas y respuestas.

Devin and John explore the different ways that working can affect your Social Security benefit. Then John explains how and why a child may be eligible for Supplemental Security Income (SSI) when the father was covered under a teacher’s retirement program and did not pay into Social Security. For more details and resource, visit http://bigpictureretirement.net/045 

Since 1999, the Ticket to Work program has helped thousands of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) beneficiaries explore job options. As we commemorate the Ticket to Work program's 15-year anniversary, and the 25-year anniversary of the Americans with Disabilities Act (ADA), tune into this podcast.  Download audio file (mp3) | 

Overview of SSI and SSDI programs;The differences between SSI and SSDI;Social Security’s definition of disability as it pertains to mitochondrial disease;How SSDI is designed to work, eligibility criteria, and the full range of SSDI benefitts;The application and appeals processes for SSI and SSDI;