Getting the Financial Support You Need When Your Spouse Passes: A Primer on Disabled Widower’s Benefits

Getting the Financial Support You Need When Your Spouse Passes: A Primer on

The loss of your loved one can have many ramifications for your life, but it can be especially disheartening to try and figure out your financial future during this difficult time. If you have a disability and are unable to work, trying to figure out what you are entitled to in the form of benefits is confusing, which is why many people in this situation don’t even know where to start. Thankfully, we’ve broken down the basics of disabled widow’s or widower’s insurance here.

These benefits provide a disabled widow or widower who has no recent work history the opportunity to receive benefits when a spouse passes away. This is true even when the widow or widower has some modest resources (which might have previously been an issue if you attempted to qualify for Supplemental Security Income.)

The following must be true to get access to these benefits after the loss of your spouse:

• The widow(er) and the deceased individual were married for a minimum of ten years before getting a divorce or the spouse and widow(er) were married for nine months and were still married at the time of death
• The decreased spouse was eligible for SSDI benefits in the month before his or her death
• The widow(er) applying for benefits must be between the ages of 50 and 59
• The disability must have begun no later than seven years following the death of the deceased spouse

As you can see, this process can be complex. If you believe that you may be entitled to benefits for disability after your spouse has passed away, it’s in your best interests to contact a qualified and experienced widower’s disability insurance attorney at the firm of Catania & Catania today.

Why Should I Apply for Disability Insurance Benefits?

Why Should I Apply for Disability Insurance Benefits in Tampa?

Many people who are unable to work as a result of a disability find it difficult or impossible to afford basic living expenses. It can be very frustrating when you are unable to find or hold down a job due to a serious medical issue. This is why disability insurance benefits can help you afford your basic expenses.

The monthly cash benefits offered by SSDI and SSI are the biggest reason that people initiate an application to receive benefits from one of these programs. While these are a critical component of your overall well-being, it’s important to realize that you can also get access to medical care. The way that medical care is provided through these two programs is as follows:

• A recipient of SSDI gets Medicare benefits after two years in the program
• SSI recipients are enrolled into Medicaid immediately

Many people who initiate a disability application do so because the medical benefits help them get the care they need. Both programs are designed to help people who have a disability, but SSDI is geared for those who have worked in recent years. If you have never been able to work or if you have not had a job in the recent past, SSI may be the best option for you. If the following conditions apply to you, you should consider applying for one of these programs:

• You have a severe disability that is either physical, mental, or both
• Your medical conditions is expected to last for at least one year
• Your condition is so severe that you are unable to work or earn more than $1,090 in a month (or $1,820 if you’re blind)

It can take some time to get the application process started and to find out whether you have been approved or denied. Having an SSDI or SSI attorney help you can make all the difference. Have Catania & Catania help you today.

How is Supplemental Security Income Different From SSDI?

How is Supplemental Security Income Different From SSDI?

Supplemental Security Income might sound like the same program as disability income, but they are not one and the same. Both programs help people who qualify for need-based assistance as a result of a disability. Not everyone qualifies for Social Security Disability Insurance, though, even if they have met the basic requirements of a disability.

For a disabled person that has never been able to work, or for a disabled person who has not worked enough in the past few years to qualify for SSDI, SSI is an option. SSI has very low asset and income limits, so while it can provide critical support for someone with a disability, it often requires the insight of an experienced person to help you get access to those initial benefits.

A person qualifying for Supplement Security Income could be entitled to up to $733 per month as an individual or $1100 per month for a couple in 2015. This is the maximum amount that could be awarded, but some exclusions could lead to a reduction in this maximum monthly payment. The employee enrolling you into SSI will explain the benefits to which you are entitled and the factors impacting the final awarded amount.

Much like SSDI, the process of qualifying for SSI can be quite complex. Many people have to apply initially and then appeal a denial. Working through the bureaucracy and trying to present a compelling case for someone with a disability can be difficult. This is why many people who are denied in the first round consider consulting with an experienced SSI attorney. When you or a loved one is unable to work due to a disability, the need for financial support is often urgent and it can be quite frustrating to attempt navigating the system on your own. Get legal help today from Catania & Catania today to help move your SSI application forward.

Social Security Disability: Getting the Facts and Getting an Attorney

Applying for Social Security Disability Insurance (SSDI) can be a time-consuming and confusing task. There is a lot of paperwork, you need to ensure that you qualify for SSDI, you need to ensure that there is nothing in your disability or background that would disqualify you from receiving benefits and then you have to present your information and get it through the system. Continue reading

Workers’ Compensation: As Rates Soar, States Cut Back on Benefits

“As the work is done for the employer, and therefore ultimately for the public, it is a bitter injustice that it should be the wage-worker himself and his wife and children who bear the whole penalty.” – President Theodore Roosevelt, 1907.

Worker’s compensation laws have been around for over a hundred years. By the 1920s, every state had laws on the books that would protect workers from the results of workplace accidents and protect the employers from being sued after an accident happened. Continue reading

Personal Injury: Defining the Need for Protection

Personal injuries are the injuries – both mental and physical – that occur because of someone else’s negligence or intentional actions. The type and severity of personal injuries cover a huge range of issues and, although many of them can be covered by insurance, there are some injuries that insurance will not cover.

Filing a personal injury claim against a company or an individual can lead to one of two outcomes. There will either be a settlement – where the insurance company or individual settles the amount of compensation outside of court and the claimant relinquishes any further claim – or the case will go to court. Continue reading

Finding the Right Auto Accident Attorney

Accidents happen.

Most of the time if you have an automobile accident in Florida, the situation is fairly clear-cut. Since Florida is a ‘no-fault’ state, your personal injury protection (PIP) insurance will cover minor medical costs and property damage liability (PDL) will cover the damage to your vehicle and any other property damage caused. You are required by the state to carry $10,000 worth of coverage for both types of insurance.

If the accident causes more injury, damage or if you have the bad luck to have an accident with someone without insurance (which is illegal in Florida) you have other methods of recovering money and injury compensation that the insurance will not cover. These methods involve filing a personal injury suit against the other party.

Whenever you file a personal injury suit against a person or insurance company there is one of two results. Either the case will be settled or it will go to court. Personal injury suits against someone who was driving without insurance will almost always go to court.

In either situation, an auto accident attorney will make the procedure smoother and is the best method of getting an equitable settlement. Auto accident attorneys are specialized personal injury lawyers who can explain your rights and responsibilities after an accident. They know what needs to be filed with the court, what information you will need to present and the best way to get a positive result.

They are your advocate and will help you get the best settlement possible after an accident. If you are involved in an accident that is not covered by your insurance or that has caused more damage than your insurance covers, contacting a good auto accident attorney should be your first step.

Commercial Vehicle Accidents – Who is To Blame?

Regardless of your place of work, there’s always a risk of accident. This is especially the case if you’re working with commercial vehicles, as you may be out in adverse weather conditions and at risk of other less careful drivers.

However, when it comes to commercial vehicle accidents, sometimes it’s difficult to know precisely who is to blame. That’s why many people choose not to seek legal compensation, even though they might be entitled to it. Continue reading

Commonly Asked Questions about Workers’ Compensation

It’s possible that you’ve never had to hire a lawyer before, and as a result, you may not be familiar with worker’s compensation or what you’re entitled to if you’re injured at work. As a result, here’s a few commonly asked questions, designed to help you understand your rights.

Useful Information about Worker’s Compensation Continue reading