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What Medical Conditions Qualify For Social Security Disability?

Being unable to work due to medical conditions can be very stressful, worrying about how to maintain your life and pay the bills, as well as medical costs. Social Security Disability Insurance (SSDI) is there to ensure people do need to find themselves in those situations, but what conditions qualify for SSDI benefits? 

While there is no set and firm answers regarding what conditions are covered by social security disability or not, there are guides and a baseline definition that can act as a rule of thumb:

SSDI recognizes an illness or injury that prevents a person from working for at least a year or that will likely cause death. 

Social Security Disability & the Administration Blue Book

As mentioned, there is a guide the Social Security Administration uses and people can look through to know whether they qualify for SSDI benefits: The Social Security Blue Book. Officially known as the Disability Evaluation Under Social Security, it lists the medical impairments the SSA considers severe enough to prevent someone from working and lists the medical criteria for determining if a person can receive disability benefits.

You can find the Social Security Blue Book here:

Disability Evaluation Under Social Security

Medical Conditions that Qualify for Social Security Disability

If a condition is listed in the Blue Book, it automatically meets the definition set by the SSA and qualifies a person for social security disability insurance. Here are some of the impairments and conditions listed that automatically qualify someone:

  1. Musculoskeletal System: Conditions that affect the bones and muscles, such as back injuries and other dysfunctions of the joints and bones.
  2. Special Senses and Speech: Conditions affecting vision, hearing, and speech.
  3. Respiratory Disorders: Such as asthma, chronic pulmonary insufficiency, and cystic fibrosis.
  4. Cardiovascular System: Including chronic heart failure, coronary artery disease, and recurrent arrhythmias.
  5. Digestive System: Conditions like liver disease, inflammatory bowel disease, and gastrointestinal hemorrhaging.
  6. Genitourinary Disorders: Kidney diseases and other conditions related to the reproductive and urinary systems.
  7. Hematological Disorders: Disorders of the blood, such as anemia, hemophilia, and bone marrow failures.
  8. Skin Disorders: Eczema, burns, and other dermatological conditions.
  9. Endocrine Disorders: Conditions related to hormone-producing glands, such as thyroid, adrenal, and pituitary gland disorders.
  10. Congenital Disorders that Affect Multiple Body Systems: For instance, Down syndrome.
  11. Neurological: Epilepsy, Parkinson’s disease, multiple sclerosis, and cerebral palsy, among others.
  12. Mental Disorders: Such as schizophrenia, autism, depression, anxiety, and intellectual disorders.
  13. Cancer (Malignant Neoplastic Diseases).
  14. Immune System Disorders: Including lupus, HIV/AIDS, and rheumatoid arthritis.
     

It’s important to remember that only being diagnosed doesn’t guarantee approval for disability benefits and that the SSA requires specific medical evidence, and documentation before benefits are approved. 

Secure Your Medical Benefits 

The application process for SSDI is complex, and many applications are denied the first time. When that happens, a person can pursue the appeals process, which many find success with, especially if legal representation has been secured.

Here at Marken Law Group, we understand how stressful getting your rightful SSI benefits can be and don’t want to add to your plate during such an uneasy time. We have represented hundreds of claimants in Washington, Idaho, Montana, Oregon, and California to obtain what is rightfully theirs. We focus on your individual needs rather than treat all cases as the same, bringing our extensive experience to help guide you through. 

If you want to better ensure you get the SSDI benefits you’re owed, contact us below and work with social security attorneys who know how to navigate the system and fight for you. 

Marken Law | Social Security Disability

Navigating the Waters as a UK Landlord

As a landlord in the UK, keeping abreast of the latest news, understanding the financial implications, and being well-versed in the nuances of tenancy agreements are paramount to managing successful property rentals. The landscape of property management is continuously evolving, influenced by legal changes, economic shifts, and societal trends. In this comprehensive guide, we delve into the key areas that every UK landlord should be aware of, offering insights into recent developments and practical advice to navigate these complexities.

The Latest News Affecting UK Landlords

The UK housing market is always under the microscope, and recent policy changes have put landlords in a position where staying informed is more crucial than ever. One significant update is the government’s push towards greener housing, with new regulations requiring rental properties to meet higher energy efficiency standards. This initiative is part of a broader effort to reduce the UK’s carbon footprint and aims to make homes more sustainable and less costly to heat.

Additionally, the aftermath of the COVID-19 pandemic continues to shape the rental market. With the rise of remote work, there’s been a noticeable shift in tenant preferences, with an increased demand for properties outside of city centers and those with extra space for home offices. This trend suggests landlords may need to reconsider their investment strategies and property offerings to align with the changing demands.

For the very latest

landlord news

visit Landlord Knowledge.

Financial Considerations for Landlords

From a financial perspective, several key areas require landlords’ attention. The tax landscape for landlords has seen significant changes, with adjustments to mortgage interest relief and the introduction of a 3% stamp duty surcharge on additional properties. These changes impact the profitability of rental investments and necessitate careful financial planning and consultation with tax professionals.

Furthermore, the Bank of England’s interest rate decisions have a direct impact on landlords, especially those with variable rate mortgages. An understanding of the current economic climate and potential future rate changes is essential for managing expenses and investment returns effectively.

For

landlord finance

options visit Landlord Knowledge.

Navigating Tenancy Agreements in 2024

The backbone of any rental arrangement is the tenancy agreement, and recent updates have made it more important than ever for landlords to ensure their contracts are comprehensive and compliant with current laws. The introduction of the Tenant Fees Act has limited the types of charges landlords can impose, affecting deposits, fees, and rent increases. Ensuring your tenancy agreements are up-to-date with these regulations is critical to avoid potential legal challenges.

Moreover, the increased focus on tenants’ rights means landlords must be diligent in fulfilling their obligations, from ensuring the property is in a habitable condition to respecting tenants’ rights to privacy. A well-crafted tenancy agreement that clearly outlines the responsibilities of both parties can help prevent disputes and provide a solid foundation for a positive landlord-tenant relationship.

Landlord Knowledge provides a

free tenancy agreement

downloadable template in word format.

Conclusion

Being a landlord in the UK today involves much more than simply collecting rent. It requires a proactive approach to stay informed about legal changes, a keen understanding of the financial landscape, and meticulous attention to the details of tenancy agreements. By staying informed about the latest news, being strategic about financial management, and ensuring legal compliance in tenancy agreements, landlords can navigate the challenges and opportunities of the rental market with confidence.

This evolving landscape underscores the importance of continuous learning and adaptation. Engaging with landlord associations, seeking professional advice when necessary, and leveraging resources can provide valuable support. As the UK rental market continues to evolve, those landlords who are well-informed and adaptable will be best positioned to thrive in the dynamic world of property rental.

 

Why Every Hiring Manager Should Partner with a Staffing Firm

As a hiring manager, you have a challenging role. You have to find people who can technically handle the work, but who are also a fit for the culture of your company. It’s a tall order, one made easier with a staffing firm. Here are a few ways a firm can help you to hire:

Find more qualified people, faster.

With a staffing firm, you can find the people you need, quickly. You don’t have to screen hundreds of resumes or conduct countless interviews. You can simply access a few top-tier, qualified candidates to make your final hiring decision.

This is simply because a recruiter has a pipeline of talented candidates who are ready to hit the ground running. They’re not starting from scratch, like you, and instead can deliver both active and passive options, one of whom could be your next great hire.

Focus on other priorities.

While your staffing firm is sourcing, screening, and evaluating candidates, you can focus your time and attention on other business priorities. You can therefore get more done in your day and won’t be left scrambling to hire. You’ll be more productive and less stressed, as a result.

Access the services you need.

Whether you need help hiring for a key management role or a team of contractors to finish a big project, a staffing firm can provide the people you need – in the way you need them. They can also offer access to temp-to-hire candidates, so you can try out new recruits before extending a full-time offer. This all combines to give you the flexible workforce you need, so you can operate at peak efficiency.

Get help with screening and testing.

When it comes to performing background checks, skills testing, personality testing and other assessments, it can require a lot of time and resources. Instead with a professional staffing firm, they can handle the work, ensuring you get the right-fit candidate who passes with flying colors.

Ready for help hiring?

At Provisional Recruiting, we’re a Spokane staffing firm with a robust network of candidates, a proven screening process, and the services you need to remain optimally staffed at all times with qualified professionals. If you’d like to find out more, contact us today.

Provisional | Hiring Managers

Your IRMAA Refund

Ever felt like you’re stuck in a maze, chasing the elusive cheese of an IRMAA refund? Like Alice down the rabbit hole, everything seems confusing and upside-down. Medicare premiums are no Wonderland – especially when you’ve paid more than your fair share.

You may have heard whispers about getting some money back if you’ve overpaid on IRMAA (Income-Related Monthly Adjustment Amount). But how? The rules seem as tangled as Rapunzel’s hair!

In this post, we’ll cut through those knots together. We’ll navigate reimbursement processes, explore ways to lower your IRMAA based on life-changing events, and guide retirees on receiving their automatic reimbursements from health benefits programs.

We’re turning confusion into clarity; lost into found. Are you ready to find that cheese at last?

To start with applying for your IRMAA refund requires some preparation but can save you money in return. Those retirees who paid above the standard premium can submit their application form.

This means filling out detailed paperwork which will allow reimbursement claims from those pesky additional costs associated with higher incomes on medicare plans such as drug coverage charges among others.

You may be eligible for a lower IRMAA if you have experienced significant life changes, such as marriage, divorce or loss of income. That’s right. You may be able to use these events to qualify for a lower IRMAA.

A sudden decrease in income could significantly affect the amount you’re expected to pay towards your Medicare Part B and D premiums. For instance, if you’ve recently retired and are now receiving less from your pension check than when working full-time, this is considered a valid reason for re-evaluating your IRMAA surcharge.

Your tax return plays an integral role in determining the standard monthly adjustment. Specifically, Social Security uses modified adjusted gross income (MAGI) data from IRS tax returns two years prior – essentially looking back at what was earned then – not necessarily reflecting where things stand today. The good news is that by using amended tax returns following significant changes in circumstances; it’s possible we can work together towards lowering that pesky additional charge.

When calculating IRMAA amounts initially determined by MAGI details found within your IRS tax return two years ago – so let’s say 2023 figures would determine adjustments applied during 2023 – they aren’t always representative of present financial status due major shifts experienced since those records were last filed. Thankfully though there exists potential relief available via submitting updated documents showing revised earnings post any life-altering situations occurring subsequently thereby potentially leading toward reductions concerning these extra payments.

Sorts of Personal bankruptcy

Types of Bankruptcy

Bankruptcy is available in various kinds,each serving a particular function and wedding catering to various economic situations. Allow’s explore the various types of personal bankruptcy and their ramifications.

Chapter 7 Bankruptcy: This is one of the most usual kind of personal bankruptcy for individuals. It includes the liquidation of non-exempt possessions to pay off financial institutions. Phase 7 bankruptcy enables people to get rid of most of their unsafe financial obligations,such as credit card financial obligation and medical costs. Nevertheless,not all financial obligations are dischargeable under Chapter 7,such as pupil loans and kid support.

Phase 13 Bankruptcy: Chapter 13 personal bankruptcy is designed for people with a regular revenue that intend to settle their debts but require a structured settlement strategy. It enables people to produce a repayment plan that covers 3 to five years,during which they make normal repayments to their creditors. Chapter 13 insolvency is particularly beneficial for individuals who have fallen behind on mortgage settlements or intend to avoid repossession.
Phase 11 Bankruptcy: Chapter 11 bankruptcy is largely for companies,although it can likewise be used by people with considerable financial debts. It allows businesses to restructure their debts and proceed their procedures while settling their financial institutions. Chapter 11 personal bankruptcy is a intricate process that needs comprehensive financial preparation and court authorization.
Chapter 12 Bankruptcy: Chapter 12 bankruptcy is especially developed for family farmers and fishermen. It provides debt relief and a payment plan tailored to the special monetary difficulties encountered by these people.  LEarn more about chapter 7 bankruptcy attorneys Chicago .

Phase 9 Bankruptcy: Chapter 9 personal bankruptcy is solely for municipal governments,such as cities,counties,and college areas. It enables these entities to restructure their financial obligations and continue offering essential solutions to their neighborhoods.

When searching for a bankruptcy attorney,think about organizing appointments with several legal representatives to assess their credentials and determine if they are the right suitable for you. Inquire about their experience,success price,and approach to handling bankruptcy cases. Trust fund your impulses and pick a legal representative that makes you feel comfy and positive in their abilities.
How a Bankruptcy Lawyer Can Help You

Recognizing the truths of insolvency can help dispel concerns and mistaken beliefs. Consulting a best bankruptcy lawyer Chicago is the very best method to obtain accurate details regarding insolvency and determine if it is the appropriate remedy for your economic situation. They can give you with the assistance and assistance required to browse the intricacies of insolvency legislation and make educated choices.
Steps in the Bankruptcy Process

The bankruptcy procedure involves numerous steps that need to be complied with to achieve a effective outcome. Here is a general overview of the steps involved in the personal bankruptcy procedure:

Pre-filing debt counseling: Before declare insolvency,individuals are called for to complete a credit report therapy course from an approved company. This training course aids individuals comprehend their financial scenario and discover choices to insolvency.

Collecting financial info: Once the decision to declare bankruptcy has been made,individuals have to collect all pertinent monetary details,consisting of income,properties,financial debts,and expenses. This info is utilized to finish the essential personal bankruptcy forms.

Submitting the personal bankruptcy request: The next action is to submit the bankruptcy request with the appropriate Gregory K. Stern P.C.. The request includes all the necessary forms and sustaining paperwork. As soon as the application is filed,an automatic keep enters into result,supplying immediate remedy for financial institution activities.
Fulfilling of creditors: Approximately 20 to 40 days after submitting the insolvency request,a conference of lenders,also referred to as a 341 meeting,is held. This meeting permits lenders to ask questions about the personal bankruptcy situation. The debtor has to attend this conference and response inquiries under oath.

Finishing the economic management training course: After the meeting of lenders,individuals are needed to finish a economic monitoring course from an authorized agency. This training course provides individuals with the devices and knowledge needed to manage their funds effectively in the future.

Repayment plan or liquidation: Depending on the sort of bankruptcy,people might be required to create a payment plan or sell off non-exempt possessions. In Chapter 7 insolvency,non-exempt assets are marketed,and the proceeds are dispersed to creditors. In Chapter 13 personal bankruptcy,individuals produce a payment strategy to settle their debts over a period of three to 5 years.
Discharge of debts: The final step in the personal bankruptcy procedure is the discharge of debts. In Chapter 7 bankruptcy,eligible financial debts are released,meaning they are lawfully removed. In Chapter 13 personal bankruptcy,the staying financial obligations are discharged after the effective completion of the repayment plan.