7 Steps To Apply For Federal Permanent Disability Insurance.

Do you know how to apply for permanent disability? Do you know how long it will take to complete your goal? Do you know you can not work at all when applying for permanent disability? If you answered yes or no do any of these questions, read on.

STEP ONE:

Call Social Security and tell them you want to start the paperwork for you being permanent disability.

Or

Make an appointment at your local Social Security office.

Or

Or you can walk in and take a number and wait.

Note: Being represented by an Attorney and having Medical assistance available will help your case.

STEP TWO:

You will receive a packet of papers in the mail to be filled out and returned to the Social Security Office by the date requested. All your medical records will be sent for from your various medical providers.

STEP THREE:

You will receive a letter from Social Security with a date and time for you to have a medical examination by a Medical Doctor.

STEP FOUR:

If after your examination you are refused permanent disability you have a time limit to file for an appeal. The appeal form will be enclosed with your refusal letter from Social Security.

STEP FIVE:

At this time you may be represented by an attorney. Actually you may have attorney representation starting with Step One.

STEP SIX:

You will be waiting for a court date to be set. This can take months.

STEP SEVEN:

You can appeal again.

If denied again. You can start Step One over again.

Note: Each state has different requirements to be fulfilled by you. Always call your social security office and get the correct information for your personal use.

During this complete process you will not be able to work. You will have to depend on your bank account, family and friends for support to make it through the tough times.

Life Insurance is a Way of Financially Protecting your Family

Life Insurance is a Way of Financially Protecting your Family

Life insurance is a way of financially protecting your family or business in case something unforeseen had to happen to you and you were not there to do it yourself.

Many people do not believe in spending money on premiums for something that they may not every need and others would not be without it as it gives them peace of mind to know that they have made provision for their young family in case they should need it.

Insurance is not only for families with young children but also for single people. There may be a number of reasons why you would want to have life insurance. If you have anyone financially dependant on you it is wise to make provision for them in case you were no longer there to support them.

Once your family has reached adulthood and you no longer want to keep up the premiums of this policy there are ways of getting rid of the policy. Not many people are aware of the fact that they can make money out of their life policies. There are insurance brokers that will buy your policy from you for more than you would get from the relevant insurance company if you cashed it in for the surrender value. They in turn will sell the policy to various investors who buy up these life policies and then keep them until the person in question has passed away. They can then cash in the policy. Many of these investors make huge profits from these policies.

Life Insurance No Medical Exam - Is It Really Possible?

Quite often you feel that an ad for life insurance no medical exam is trying to rip you off. However, it is possible to get life insurance no medical exam when you shop online for your life insurance needs. It is only a click away on a computer, but you really do need to check to see if life insurance without having to visit a medical doctor applies to you.

You will have to complete the online application for life insurance answering a series of questions regarding your age, gender and the state of your health. Once the online agents assess the answers to the questions, they will determine whether or not you qualify for no exam medical life insurance. One thing is for certain and that is to get life insurance and no medical exam, you do need to be young and in prefect health.

When you find the perfect life insurance online where you do not need to have a medical exam, the process is quite simple. Once you receive a reply that your application has been accepted for life insurance, you can pay for it online using your credit card and print off your no medical exam life insurance policy. If you do not tell the truth regarding the state of your health, this will result in cancellation of your life insurance no medical exam.

When you shop for life insurance, you need to be an educated consumer. Even though you may be eligible for life insurance no medical exam, life insurance policies are either standard (permanent) or term (temporary). Basically, standard coverage remains in affect for the life of the insured. Term coverage expires after a set term of 5, 10, or 20 years (except for term to 100 insurance). Term life insurance is generally less expensive because death is not certain during the policy term. Generally no medical exam life insurance is term insurance. While there is no guarantee you will be accepted for life insurance without a medical exam, it is worth a try.

Not everyone qualifies for life insurance no medical exam.

Discount Dental Plans vs Dental Insurance.

Dental insurance is a benefit typically provided by employers to help offset some of the high costs for dental care.

Good overall health relates to good dental health. Dental insurance is a benefit typically provided by employers to help offset some of the costs for dental care. Individual dental insurance Plans are available and provide dental benefits similar to the dental insurance you can get through an employer. Dental insurance typically pays claims directly to the dentist for most dental procedures. Dental insurance will pay the dentist a set amount or percentage for each dental procedure. Typically dental insurance will provide benefits for any dentist you might use.

Individual dental insurance is typically more expensive than group dental, and individual dental insurance can come with waiting periods. Sometimes discount dental plans would be a better fit for individuals than dental insurance. Discount dental plans typically have no waiting periods or claim forms and the cost less than dental insurance. Discount dental plans offer a set fee schedule for dental procedures done by dentists within a network of dentists. People with discount dental plans enjoy big savings on procedures like cleanings, fillings, crowns, and root canals if they are done with a dentist within the network.

Dental insurance and discount dental plans can work together to provide enhanced dental benefits. Dental insurance may have waiting periods of up to 12 months before major dental services are covered. Dental insurance also typically has an annual maximum of and750 - $2000 for dental procedures. with a discount dental plan there are no caps no waiting periods and no claim forms. If someone needs dental work done right away, a discount dental plans would help save money on dental procedures right away, and dental insurance could begin to pay once the waiting periods are met.

How To Pick A Good Health Insurance Company.

What good is life if you can't enjoy it? Health insurance helps ensure that you will be able to live your life fully. So, health insurance is very important indeed. There is no perfect plan already set up and there is no one single perfect provider. What you need to do is choose the plan that is perfect for you (your personal needs given your situation) at the lowest price. That is the best deal out there for you.

What Coverages Will Be Best For Me?

If you are not worried about paying out of pocket for doctor visits and such, and they are few and far apart, and you are young and healthy, then perhaps all you need is a catastrophic health insurance plan. Catastrophic coverage will only cover, yep, you guessed it, things that are catastrophic. Your coverage plan will have a detailed list of things considered catastrophic such as you get your head smashed in a car wreck or you wake up one morning and discover you have cancer. This type of coverage is the cheapest but obviously, very needed for everyone.

Additional Coverages

Usually when one thinks about what one wants covered, we remember to take into consideration doctor visits, injuries, illnesses, lab work, hospital stays, and those kinds of fun things, but there are many additional things that many do not think about that requires additional coverage. Suppose you needed a root canal, or your mind was no longer quite there, or, you became pregnant? You would need health care for those things along with, I am sure, plenty of prescription drugs to go along with it which also, by the way, usually requires additional coverage as well unless you plan on paying out of pocket. So, never assume you are covered for something. Have the whole coverage list in front of you so you won't forget to cover yourself for something you may regret in the future. For example, did you realize that some plans have additional options called wellness benefits that can help you pay for classes to help you stop bad habits hazard to your health, memberships to help you stay in shape, and consultations for your nutritional needs? There are usually more options than people realize, so make sure you know them all, then pick and choose from the entire list of options to tailor your plan exactly how you need it to be.

The Best Way To Protect Yourself Through Your Coverages

It is especially important to make sure all your needs will be met if you have your health insurance through your employer. Do not assume that any health insurance through your employer will be good enough for you. You may need to add additional benefits to your insurance to get the proper coverage that you need. And, of course, one must be honest on all the forms. It would be horrific to be denied coverage after paying premiums for so long only because of a question on the form answered dishonestly. Remember, your coverage is based on the forms you fill out, so be as detailed and accurate as possible. The coverage only covers the person on the form, not anyone else!

Should I Get An HMO Plan Or A PPH Plan?

HMO (health maintenance organizations) or also known as managed care, are typically less expensive but you are limited to using only their very specific network of doctors and therefore, hospitals as well. If you go anywhere else for your care you will have to pay full price. Your main doctor (primary care physician) will refer you to a specialist if the need is present. You will not simply be able to go wherever. However, many HMO plans now offer more choices to help ease the burden of being so constricted.

PPH (preferred provider health insurance plans) are more flexible in that you can choose from many more doctors and hospitals because they usually have many other providers also registered with them, but you also pay more for that flexibility.

So, you must decide which is more important to you, more flexibility or paying less for insurance. Once you decide that you will be able to decide on the plan.

How Can I Save On My Health Insurance Plan?

First of all, if you can get your health insurance through your employer, then chances are that that is going to be the best deal for you financially because your employer is going to be paying part of that cost and usually, insurance companies give good discounts for many purchased all at once. That is not to say that that is going to be sufficient coverage for you, as mentioned earlier, but you can always add onto that insurance plan as needed. The older you get the more expensive health insurance will get, so it will be especially good to get any kind of discount you can, especially when you are older.

If both spouses work with each spouse on a different insurance covered through their work, depending on the insurances, it may be cheaper to have both on one. That you will need to figure out to see which option is cheapest for you.

Another great way to save money, just like auto insurance, is to up your deductible (the money you are required to pay before your insurance will help you out). The larger your deductible, the lower your premiums (your monthly payments to stay insured). Just make sure that you will be able to pay your large deductible should the occasion arise (if something major happened).

How To Pick A Good Health Insurance Company

Call their customer service with as many questions as you can think of and see how they handle it! And, see how long you are on hold for. If calling them seems like a nightmare than chances are they are not the right company for you!