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Monthly Archives: January 2013

Why U.M./U.I.M. is important for Y.O.U.

Written on January 31, 2013 at 12:56 am, by

Personal Injury – Insurance Issues In North Carolina, all owners of registered vehicles must carry insurance coverage.  Vehicle owners are only required to carry liability insurance on their vehicles.  Liability coverage is insurance coverage in the event someone hits another driver.  The problem is that the minimum coverage for liability insurance is $30,000 per person/$60,000  Continue Reading »

Social Security Disability and Long Term Disability Insurance: Good and Bad

Written on January 24, 2013 at 2:22 am, by

You suffer a physical injury.  You are out of work.  You live paycheck to paycheck so you decide to return to work.  However, you find you cannot continue.  You have long term disability coverage.  You apply and you start receiving benefits. Great!  The insurance company tells you that you must apply for Social Security disability  Continue Reading »

Social Security Disability – Myth

Written on January 12, 2013 at 2:55 pm, by

Myth – I can work and still get Social Security disability benefits as long as I do not earn over the SGA limit This is only partially true.  Substantial gainful activity (SGA) is defined as full-time work.  The Social Security Administration determines whether a claimant is engaged in substantial gainful activity by earnings.  The SSA  Continue Reading »

Social Security Disability Insurance Benefits

Written on January 3, 2013 at 6:33 pm, by

Disability Insurance Benefits (DIB) In 2012, especially with the 2012 election, many people talked about “entitlement benefits”.  Some people consider Social Security disability benefits to be entitlement benefits.  However, unlike Medicaid or food stamps, you pay for your Social Security benefits.  You will notice that “taxes” are taken from your paychecks for Social Security benefits.  Continue Reading »