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Need help understanding what disability insurance is and why it's a critical way to protect your financial future? With decades of experience in the insurance business, Tony Steuer and Maxwell Schmitz deliver a practical resource for choosing the best disability insurance policy for you, whether you currently have a policy or not. Step-by-step, they lead you through the process of making key disability insurance decisions and understanding important factors.
Insurance can be confusing and expensive, but it’s also necessary protection from risk. To alleviate that confusion, Tony Steuer has created a comprehensive guide to insurance—from how to calculate your ideal level of coverage to avoiding fraud—using the familiar metaphor of professional football. Your agents act as your coaching team, and each type of insurance is a player on your team, covering a different position. Let’s see who’s on the roster: ​• Auto insurance • Disability insurance • Health insurance, including Medicare • Homeowner’s/renter’s insurance • Life Insurance • Long-term-care insurance • Annuities Insurance coverage is a personalized product, based on a specific need to cover a risk. Don’t overpay for the wrong coverage. Draft the right players now with Insurance Made Easy.
A User-Friendly Workbook to Making Expert Life Insurance Decisions Need help facing the constant barrage of information from competing life insurance companies? With twenty years of experience in the life insurance business, Tony Steuer delivers a practical, one-of-a-kind resource for choosing the best life insurance policy for you or your family, whether you currently have a policy or not. Step-by-step, he leads you through the process of making key life insurance decisions: 1.How much life insurance do I need? 2.What type of life insurance is right for me? 3.How might my medical and financial history affect my rates? 4.Which life insurance company should I work with? 5.How do I choose a trusted agent or advisor? 6.What policy components or riders are important to me? 7.Is my current policy living up to my expectations and needs? 8.Should I replace my current policy or supplement it? 9.What is the best way to terminate a policy? A companion to Tony's award winning book, Questions and Answers on Life Insurance, this workbook will help you avoid unnecessary pitfalls and unpleasant surprises; make informed, confident decisions; and gain the maximum benefit for your life insurance dollar.
The thoroughly revised and updated fourth edition of the classic Multiple Sclerosis: The Questions You Have, The Answers You Need continues to be the definitive guide for everyone concerned with this diseaseOCothose who have MS, those who share their lives with someone who has it, and all healthcare professionals involved with its management. It covers a wide range of topics in an accessible question and answer format that allows people to easily find the information they need."
UPDATED FOR 2014! Co-authored by a former Social Security Judge, this book is a how-to manual for (non-blind) disabled adult claimants who are applying for Social Security Disability or SSI benefits and whose claims are at the initial application level. A recent study revealed that about 6 of every 10 disability applications were denied at the initial level. Even worse, only about 1 in 4 of those denied claims ever was won on appeal. In other words, if you don't win at the initial level, there's only about a 1 in 4 chance you ever will! You need to make your strongest case at the initial application level, where your chances of winning are best. But how? First, you need to understand the process. Most of what claimants do at the initial application stage is answer questions on forms. Unassisted and virtually blindfolded, most applicants answer Social Security's questions incorrectly, inadequately, incompletely, or inappropriately. Too often, this leads to an undeserved denial. This book shows how to respond to each question on Social Security's 4 major forms, so you can maximize your chances of winning at the initial application level, when your chances of winning are greatest. Second, you need to take action. Many claimants take a wait-and-see approach: They wait until Social Security denies the claim at least once before they try to understand the process or get help. But by then, it's often too late. For those claimants, the best chance of winning is gone. And they may have damaged their claims beyond repair by giving inaccurate, uninformed, or incomplete answers. We wrote The Wilborn Method to help disabled people understand and complete Social Security's forms so they maximize their chances of winning at the initial application level. A self-help Social Security disability book should show you what you have to do to win your case! That is what this book does. We explain the disability process and the rules for proving you're disabled. We start with 11 chapters explaining the basics you need to know as you start the disability claim process. Then we guide you, question-by-question, through Social Security's 4 major forms. We answer three questions you must ask yourself when you read the questions on Social Security's forms: 1) Why is Social Security asking these specific questions? 2) How will Social Security use the answers? and 3) How much detail does Social Security need? We show you how to answer each question so you give a complete and accurate picture of your impairments, your limitations, your education, and your work history. We explain which of Social Security's questions aren't really asking what they appear to be asking, and we explain how to avoid getting trapped in wrong or inconsistent answers. For Social Security, the third party witness questionnaire can be a rich source of contradictions-contradictions that often are used to deny claims. We discuss ways to make this questionnaire work for you, instead of against you. To prove you're disabled, you must have medical evidence. We explain what your doctors should and should not do to help prove you're disabled. We even have two forms you can use to get useful and meaningful opinions from your doctors. The value of our guidance doesn't end at the initial application level. If you have to appeal your case, these forms stay in the record for as long as your case is appealed! At the hearing level, Social Security's judges look carefully at the answers on the initial level forms. They use careless or uninformed answers on these forms to deny disability claims. Giving inadequate answers on Social Security's initial level forms hurts more than your chances of winning early-it also can cripple your chances of winning later. Whether or not you hire a representative to help you, if you follow the instructions in The Wilborn Method, you'll avoid common mistakes that may harm your case. You'll also give the necessary details to improve your chances of winning quickly.
64% of all SSDI applications are denied. Learn how to beat the odds with Get Your Disability Benefits Now, a how-to book that teaches you how to write a complete SSDI package that greatly enhances your chance of winning. The book takes you through the SSDI application question-by-question with explanations of the questions and examples of correct answers. It teaches you which questions are critical, how to write powerful answers, mistakes to avoid and tactics which give the Social Security Administration what they need to know and want to hear. You'll learn how to prove your case with objective medical and non-medical evidence and strategic answers that make the difference between winning and losing your claim for benefits. Complete your application as you read the step-by-step instructions. For those already in the appeals cycle there is a chapter that teaches you how to file a second claim while your first claim remains in the appeals cycle. It's called "Earn benefits While You Wait. You literally can win your second claim before your third appeal is heard. David Budlin, AOL's top guru on SSDI and a 27 year veteran of Social Security Disability Office states, "This book is full of information that should be of great assistance to anyone who intends to file for Social Security Disability benefits and wants to take a proactive approach to the application process. It has many tips which can enable applicants to streamline the process and get a decision in significantly less time than average. Many Social Security forms are discussed throughout the book and helpful hints on completing them are presented." There is an accompanying Resource CD can be purchased at www.SSDI-Help.com for $4.95. It has PDF files for the application and all supplemental forms, templates for answers that are too long in Word format that duplicate the layout of the application, the Appendices and the Worksheets that are referenced in the book.
Apply for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) and get the most assistance from the system Learn how to match the medical details of your disability to existing regulations to make sure you qualify for the benefits you're due when you apply. Nolo's Guide to Social Security Disability is written by a former Chief Medical Consultant for the Social Security Administration, whose expert deciphering of the medical portions of SSA regulations will help you understand all the benefits available to you. Written both for first-time applicants and existing recipients of Social Security disability, this guide demystifies the program and tells you everything you need to know about qualifying and applying for benefits, maintaining your benefits, and appealing the denial of a claim. Learn: - what Social Security disability is - what benefits are available to disabled children - how to prove a disability - how age, education and work experience affect benefits - whether or not one can work while receiving benefits - how to appeal a denial of benefits - how to respond to a Continuing Disability Review The book provides in-depth medical listings to help you determine whether your condition will qualify you to receive disability payments, including breathing disabilities, heart disease, mental disorders, speech impairments, cancer, immune system disorders -- and much more. This edition is completely updated with the latest rules, information and medical listings, including updated descriptions of SSA regulations governing immune and digestive system disorders; updated information on the "ticket-to-work" program, which provides new training and opportunities for disabled workers; the latest forms and instructions for filling them out; plus updated 2014 figures, fees, and contact information.
Disability Insurance', frequently named 'DI' either 'disability earnings insurance', is a shape of indemnity that insures the beneficiary's received earnings opposed to the hazard that a incapacity produces a obstacle for a employee to perfect the central part purposes of their work. There has never been a Disability Insurance Guide like this. It contains 83 answers, much more than you can imagine; comprehensive answers and extensive details and references, with insights that have never before been offered in print. Get the information you need--fast! This all-embracing guide offers a thorough view of key knowledge and detailed insight. This Guide introduces what you want to know about Disability Insurance. A quick look inside of some of the subjects covered: Medicare (United States) - Program history, Retirement plan - Germany, Work-life balance - Maternity Leave, Insurance - Modern insurance, Outline of finance - Insurance, Business overhead expense disability insurance, State disability benefits - Commonwealths with statutory disability plans, Micro-insurance - Microinsurance products, Disability insurance - History, Teacher - United States, Supplemental Security Income - Residency, Insurance patent - Notable patents, American Recovery and Reinvestment Act - Spending (Senate-$552 billion, House-$545 billion), Social security, Health system - Financial resources, Perquisite, Medicare (United States) - Eligibility, National Board of Legal Specialty Certification, Disabilities - Disability insurance, Workplace intervention - Musculoskeletal disorders, Financial Planning Standards Board, Social Security (United States) - Social Security Benefits and Income 2012, Television licence - Macedonia, History of insurance - Accident insurance, Livermore, California - Livermore Government, Payroll tax - Unemployment taxes, Christian Labour Association of Canada - Practices and policies, MetLife - Disability, and much more...