Social Security benefits are paid to you when your disability is expected to last for at least 12 months.
Most of the time this is happened when you are full time out in your entire leave. This service (Employer-paid) disability is required by every state in United States and in most of the countries of Europe. The Disability insurance providers deduct payment from your paychecks. When you want to buy disability insurance policy, it is important to understand what they really mean. and you need thorough study their terms and conditions and ins and outs. You also need to compare both the most attractive policies and choose which one is most suitable for you.
Short-Term disability policy:
A short-term disability insurance plan is no more then 2 years. With this plan you may have to wait for 14 days before you start receiving compensation.
Long-Term Disability policy:
When we talk about long-Term disability policy, It is little different form the Short one. It is for long period of time, sometimes for your entire life. the Disability compensation will not for say few weeks or for couple of months.
The basic purpose of disability insurance is to protect yourself, and protection offered to you to ensure that you are not going to be treated unfairly when you are not able to work like the healthy person. You are non-cancel able from your company, they should not stop your salary. On th other hand, guaranteed renewable policy means that the same benefits will be available every year. The only way that your premium will be increased is if every policy holder within the same rating class as yourself increases also.
Now you might know that there are many options while choosing a disability insurance. It is very necessary to know all available options, while choosing a disability insurance plans to find out you know what you will receive in the event of an accident or illness. Just want to say that research your options to find the best choice for you and your family.
http://www.UmerInsurance.com - This is a site where you can learn almost everything related to Insurance and you can also learn almost everything on Insurance types.
If you only want to read more about the above thoughts then you need to work with this link.
http://umerinsurance.com/health-insurance-reviews/disability-insurance-tips-and-tricks
Disability Insurance - Tips and Tricks
By Umer Hayat
Friday, July 25, 2008
Embracing Your Child's Disability - You Have the Diagnosis, Now What?
We have listened to dozens of parents tell us in detail their heartbreaking stories of how they first became aware of their child's diagnosis. Whether it was Down syndrome, Autism, or brain damage caused by oxygen deprivation during birth the sadness was there, though the reactions were varied.
We can't remember exactly what happened or how we felt when we heard of Nicholas' diagnosis of autism. It wasn't because the shock was so great that we blanked it out. It wasn't because we didn't know what autism was. It was more a reaction of "are you sure and what do we do now?"
Our son's symptoms started gradually. His development was slower than our older daughter's development and he was emotionally and physically connected to us. Initially it seemed that he was developmentally "delayed" due to a language delay. By the time he had the diagnosis at age 2 of PDD (Pervasive Developmental Disorder), it didn't mean much because there was little we could do. He was still our kid, the doctors didn't know if he would ever catch up and they didn't know how far he would go. All of a sudden life takes a turn and the journey begins with an onslaught of testing and an onslaught of professionals giving opinions, recommendations or nothing at all. It was still a day by day, pay as you play, making little baby steps in the world.
So, we got a boy with a broken brain, now what? The loss of the idealized child is like a grieving process. It takes a long time, it never ends, it is constantly changing and it is a journey. It is hard to accept the fact that we can't do all of the things a "normal" family experience would bring. A trip to Disneyland would mean that we would have to leave him home. Until recently, doing errands with him has been out of the question. Even on the hottest of days, our doors have to be closed and locked in the event he may wander out the door.
Days without the support of his current programs, typically holidays with school breaks, can be awful. Denied our usual daily schedule, there still is no downtime. We have to be up and out going somewhere, with really no place to go, otherwise he becomes agitated and restless being around home too much. Sharon finds it easier to work during those times rather than to stay home.
The most difficult factor for us is the sadness we feel for not giving our daughter a normal sibling (even though she adores him). A parent has to work hard to heal the shock of an early childhood diagnosis and a parent has to have the strength to deal with later unexpected challenges. Sometimes Kevin feels like Astronaut Jim Lovell on Apollo 13. "We have to stay calm and play the cards we're dealt during a crisis just to stay alive and to get home safely."
We love and accept Nicholas for who he is and what he will become. In our eyes he is perfect. But that realization doesn't occur without having been through a life altering experience because of who he is.
The other piece of life is the wonderful things that Nicholas brings to us. He has taught us to love people unconditionally just as they are. He has helped Sharon find her passion and calling in life as a special education teacher. We have learned to speak out on behalf of all children and their needs. We have learned never ending patience. We have learned to appreciate everyday and to look for the miracles in each day.
After watching our son for 17 years, Kevin's primary conclusion is that people, not just special needs children, are more than just their physical or mental attributes. There is a deeper, spiritual way to connect with others that transcends the obvious physical and mental differences we see in a developmentally disabled person. We recognize the disability now and love it because we know there is a whole person behind the sometimes puzzling behaviors. The vocalizing and confusing habits all have meaning. Now that my boy is 17, we have been fortunate and blessed to have known his school friends for the past 14 years. We now see these guys as young men and we relate to them for who they are. These amazing young men seem to step up to the chance to realize their aspirations and they expect to be treated as "typical boys".
Reaching out for help and support is crucial. Especially in these times where autism seems to be an epidemic, parents and families really have to be there for each other. Services for special needs children are available, but not as much as we would like for families in all areas.
Here is where a great opportunity for personal growth often occurs. Giving is not just better than receiving. At a deeper level, giving IS receiving. Getting out there to find out how to help your child almost requires one to pay it forward to the next parent in line. As soon as a special needs parent catches his or her breath and feels a hint of acceptance of his child's condition, volunteering to assist other special needs families is an exceptionally healing activity and builds stronger communities.
Having a child with special needs transforms raising a child into an unanticipated and unpredictable journey. From hearing the diagnosis to embracing the disability, a life altering experience occurs. Finding the proper resources, honoring your emotions and creating a strong support network can help your life become a meaningful and compassionate experience. We hope to share that experience with you.
Kevin and Sharon O'Neil are the founders of The O'Neil Advocacy Group, a professional consultancy dedicated to guiding special needs families through the labyrinth of issues they face each day. The can be contacted at info@oneiladvocacygroup.com Or 510-863-3119 for more information.
Kevin O'Neil is a professional mediator with an M.S. in Psychology and has been helping individuals and families resolve disputes with each other and outside parties since 1984.
Co-Founder Sharon O'Neil teaches Special Education with an emphasis in moderate to severe disabilities across many age groups. She also has an Education Specialist Credential and an M.S. in Education. In addition, Sharon is a certified Behavioral Intervention Case Manager (BICM).
We are a Father and Mother consulting team who has a 17 year old son with autism. As both parents and professionals, we will compassionately guide you through the maze of challenges both inside and outside the home.
For more information, please visit us at http://www.oneiladvocacygroup.com
Embracing Your Child's Disability - You Have the Diagnosis, Now What?
By Kevin O'Neil
We can't remember exactly what happened or how we felt when we heard of Nicholas' diagnosis of autism. It wasn't because the shock was so great that we blanked it out. It wasn't because we didn't know what autism was. It was more a reaction of "are you sure and what do we do now?"
Our son's symptoms started gradually. His development was slower than our older daughter's development and he was emotionally and physically connected to us. Initially it seemed that he was developmentally "delayed" due to a language delay. By the time he had the diagnosis at age 2 of PDD (Pervasive Developmental Disorder), it didn't mean much because there was little we could do. He was still our kid, the doctors didn't know if he would ever catch up and they didn't know how far he would go. All of a sudden life takes a turn and the journey begins with an onslaught of testing and an onslaught of professionals giving opinions, recommendations or nothing at all. It was still a day by day, pay as you play, making little baby steps in the world.
So, we got a boy with a broken brain, now what? The loss of the idealized child is like a grieving process. It takes a long time, it never ends, it is constantly changing and it is a journey. It is hard to accept the fact that we can't do all of the things a "normal" family experience would bring. A trip to Disneyland would mean that we would have to leave him home. Until recently, doing errands with him has been out of the question. Even on the hottest of days, our doors have to be closed and locked in the event he may wander out the door.
Days without the support of his current programs, typically holidays with school breaks, can be awful. Denied our usual daily schedule, there still is no downtime. We have to be up and out going somewhere, with really no place to go, otherwise he becomes agitated and restless being around home too much. Sharon finds it easier to work during those times rather than to stay home.
The most difficult factor for us is the sadness we feel for not giving our daughter a normal sibling (even though she adores him). A parent has to work hard to heal the shock of an early childhood diagnosis and a parent has to have the strength to deal with later unexpected challenges. Sometimes Kevin feels like Astronaut Jim Lovell on Apollo 13. "We have to stay calm and play the cards we're dealt during a crisis just to stay alive and to get home safely."
We love and accept Nicholas for who he is and what he will become. In our eyes he is perfect. But that realization doesn't occur without having been through a life altering experience because of who he is.
The other piece of life is the wonderful things that Nicholas brings to us. He has taught us to love people unconditionally just as they are. He has helped Sharon find her passion and calling in life as a special education teacher. We have learned to speak out on behalf of all children and their needs. We have learned never ending patience. We have learned to appreciate everyday and to look for the miracles in each day.
After watching our son for 17 years, Kevin's primary conclusion is that people, not just special needs children, are more than just their physical or mental attributes. There is a deeper, spiritual way to connect with others that transcends the obvious physical and mental differences we see in a developmentally disabled person. We recognize the disability now and love it because we know there is a whole person behind the sometimes puzzling behaviors. The vocalizing and confusing habits all have meaning. Now that my boy is 17, we have been fortunate and blessed to have known his school friends for the past 14 years. We now see these guys as young men and we relate to them for who they are. These amazing young men seem to step up to the chance to realize their aspirations and they expect to be treated as "typical boys".
Reaching out for help and support is crucial. Especially in these times where autism seems to be an epidemic, parents and families really have to be there for each other. Services for special needs children are available, but not as much as we would like for families in all areas.
Here is where a great opportunity for personal growth often occurs. Giving is not just better than receiving. At a deeper level, giving IS receiving. Getting out there to find out how to help your child almost requires one to pay it forward to the next parent in line. As soon as a special needs parent catches his or her breath and feels a hint of acceptance of his child's condition, volunteering to assist other special needs families is an exceptionally healing activity and builds stronger communities.
Having a child with special needs transforms raising a child into an unanticipated and unpredictable journey. From hearing the diagnosis to embracing the disability, a life altering experience occurs. Finding the proper resources, honoring your emotions and creating a strong support network can help your life become a meaningful and compassionate experience. We hope to share that experience with you.
Kevin and Sharon O'Neil are the founders of The O'Neil Advocacy Group, a professional consultancy dedicated to guiding special needs families through the labyrinth of issues they face each day. The can be contacted at info@oneiladvocacygroup.com Or 510-863-3119 for more information.
Kevin O'Neil is a professional mediator with an M.S. in Psychology and has been helping individuals and families resolve disputes with each other and outside parties since 1984.
Co-Founder Sharon O'Neil teaches Special Education with an emphasis in moderate to severe disabilities across many age groups. She also has an Education Specialist Credential and an M.S. in Education. In addition, Sharon is a certified Behavioral Intervention Case Manager (BICM).
We are a Father and Mother consulting team who has a 17 year old son with autism. As both parents and professionals, we will compassionately guide you through the maze of challenges both inside and outside the home.
For more information, please visit us at http://www.oneiladvocacygroup.com
Embracing Your Child's Disability - You Have the Diagnosis, Now What?
By Kevin O'Neil
Einstein's Learning Disability
Many organizations that promote the interests of individuals with learning disabilities claim that Albert Einstein had a learning disability, and this claim has become widely accepted.
It is interesting to note that a review of biographical sources, however, provides little or no evidence to support this assertion.
According to LD lore Einstein failed to talk until the age of four, the result of a language disability. It is also claimed that Einstein could not read until the age of nine. To strengthen their case LD proponents point to such facts that Einstein failed his first attempt at entrance into college and lost three teaching positions in two years.
While this makes a nice story, this widely believed notion is false, according to Ronald W. Clark's comprehensive biography of Einstein, and according to "Subtle is the Lord: The Science and Life of Albert Einstein," a biography by Abraham Pais (Oxford University Press, 1982).
Pais states that although his family had initial apprehensions that he might be backward because of the unusually long time before he began to talk, Einstein was speaking in whole sentences by some point between age two and three years. According to Clark, a far more plausible reason for his relatively late speech development is "the simpler situation suggested by Einstein's son Hans Albert, who says that his father was withdrawn from the world even as a boy." Whether one accepts this interpretation, other information helps us to judge Einstein's language abilities after he began to speak.
Einstein entered school at the age of six, and against popular belief did very well. When he was seven his mother wrote, "Yesterday Albert received his grades, he was again number one, his report card was brilliant." At the age of twelve Einstein was reading physics books. At thirteen, after reading the "Critique of Pure Reason" and the work of other philosophers, Einstein adopted Kant as his favorite author. About this time he also read Darwin. Pais states, "the widespread belief that he was a poor student is unfounded."
FAILING HIS COLLEGE ENTRANCE EXAMS
True, Einstein did not pass the college exam the first time he took it. However, aside from being only sixteen, two years below the usual age, the plain fact was he did not study for it. His father wanted his son to follow a technical occupation, a decision Einstein found difficult to confront directly. Consequently, as he later admitted, he avoided following the "unbearable" path of a "practical profession" by not preparing himself for the test.
It is also true that, after graduating from the university, Einstein had difficulty finding a post. This was mainly because his independent, intellectually rebellious nature made him, in his own words, "a pariah" in the academic community. One professor told him, "You have one fault; one can't tell you anything."
Also true is that Einstein went through three jobs in a short time, but not because of a learning disability. His first job was as a temporary research assistant, the second as temporary replacement for a professor who had to serve a two-month term in the army. Clark remarks that it is "difficult to discover but easy to imagine" why Einstein held his third job, as a teacher in a boarding school, for only a few months: "Einstein's ideas of minimum routine and minimum discipline were very different from those of his employer."
In his article "Was Einstein learning disabled? Anatomy of a myth," (published in 2004 in the "Skeptics Society & Skeptic Magazine," a revised version of an article that originally appeared in the March/April 2000 issue of the "Journal of Learning Disabilities") Marlin Thomas concludes: "Given the meager basis for the claim that Einstein was learning disabled, one has to wonder why it has become so accepted. Part of the reason is the encouragement it gives all of us to know that even geniuses have shortcomings. The claim also enhances the prestige of learning disabled individuals. Any marginalized group benefits from having one of its members be a stellar figure in cultural history. These may be salutary, but the consequence of claiming that Einstein was learning disabled without historical evidence is harmful. It distorts the historical record and it questions the credibility of other claims regarding the learning disabilities of prominent persons."
Visit Susan's website Audiblox for more information on learning disabilities.
This article can be freely used as long as a link to "Audiblox" (http://www.audibloxinfo.com) is provided.
Einstein's Learning Disability
By Susan Du Plessis
It is interesting to note that a review of biographical sources, however, provides little or no evidence to support this assertion.
According to LD lore Einstein failed to talk until the age of four, the result of a language disability. It is also claimed that Einstein could not read until the age of nine. To strengthen their case LD proponents point to such facts that Einstein failed his first attempt at entrance into college and lost three teaching positions in two years.
While this makes a nice story, this widely believed notion is false, according to Ronald W. Clark's comprehensive biography of Einstein, and according to "Subtle is the Lord: The Science and Life of Albert Einstein," a biography by Abraham Pais (Oxford University Press, 1982).
Pais states that although his family had initial apprehensions that he might be backward because of the unusually long time before he began to talk, Einstein was speaking in whole sentences by some point between age two and three years. According to Clark, a far more plausible reason for his relatively late speech development is "the simpler situation suggested by Einstein's son Hans Albert, who says that his father was withdrawn from the world even as a boy." Whether one accepts this interpretation, other information helps us to judge Einstein's language abilities after he began to speak.
Einstein entered school at the age of six, and against popular belief did very well. When he was seven his mother wrote, "Yesterday Albert received his grades, he was again number one, his report card was brilliant." At the age of twelve Einstein was reading physics books. At thirteen, after reading the "Critique of Pure Reason" and the work of other philosophers, Einstein adopted Kant as his favorite author. About this time he also read Darwin. Pais states, "the widespread belief that he was a poor student is unfounded."
FAILING HIS COLLEGE ENTRANCE EXAMS
True, Einstein did not pass the college exam the first time he took it. However, aside from being only sixteen, two years below the usual age, the plain fact was he did not study for it. His father wanted his son to follow a technical occupation, a decision Einstein found difficult to confront directly. Consequently, as he later admitted, he avoided following the "unbearable" path of a "practical profession" by not preparing himself for the test.
It is also true that, after graduating from the university, Einstein had difficulty finding a post. This was mainly because his independent, intellectually rebellious nature made him, in his own words, "a pariah" in the academic community. One professor told him, "You have one fault; one can't tell you anything."
Also true is that Einstein went through three jobs in a short time, but not because of a learning disability. His first job was as a temporary research assistant, the second as temporary replacement for a professor who had to serve a two-month term in the army. Clark remarks that it is "difficult to discover but easy to imagine" why Einstein held his third job, as a teacher in a boarding school, for only a few months: "Einstein's ideas of minimum routine and minimum discipline were very different from those of his employer."
In his article "Was Einstein learning disabled? Anatomy of a myth," (published in 2004 in the "Skeptics Society & Skeptic Magazine," a revised version of an article that originally appeared in the March/April 2000 issue of the "Journal of Learning Disabilities") Marlin Thomas concludes: "Given the meager basis for the claim that Einstein was learning disabled, one has to wonder why it has become so accepted. Part of the reason is the encouragement it gives all of us to know that even geniuses have shortcomings. The claim also enhances the prestige of learning disabled individuals. Any marginalized group benefits from having one of its members be a stellar figure in cultural history. These may be salutary, but the consequence of claiming that Einstein was learning disabled without historical evidence is harmful. It distorts the historical record and it questions the credibility of other claims regarding the learning disabilities of prominent persons."
Visit Susan's website Audiblox for more information on learning disabilities.
This article can be freely used as long as a link to "Audiblox" (http://www.audibloxinfo.com) is provided.
Einstein's Learning Disability
By Susan Du Plessis
Living Frugally on Disability Income
Living frugally on disability income is a necessity that brings the reward of being able to live on your own. Being a wheelchair user or having another disability does not mean independent living is out of grasp. By carefully managing your money and taking advantage of the government programs available, life can be comfortable in your own apartment.
Living frugally does not mean going without the things you want. It would be boring and not much fun if we only had our needs. You can also obtain many of the things you desire. First, let's go through some of the government programs and local programs available.
Social Security benefits may be the majority of your income, but they can be enough by living frugally. If you are able enough to work, there are jobs out there. Working has many benefits besides the money. Having a set schedule gives you the feeling of purpose in life. This is a great self esteem booster. Even if working is not possible, by living frugally you can live on your own.
Local Public Housing Agencies have a voucher system commonly called Section 8 to assist with the cost of renting a home or apartment. Although there is often a long waiting list, this benefit is substantial and necessary for living frugally. Section 8 allows you to choose the housing within certain guidelines. Once approved, your rental cost is generally 30% of your income, but is often as low as 10% of your income. What a savings!
Some states and communities offer discount utility rates for low-income families, disabled people or senior citizens. State Park and local entertainment facilities may offer discounts.
The Food Stamp program can help supplement you budget. Although the amount of assistance for which you qualify may be small, living frugally means finding every penny you can to improve your finances. Use your food budget carefully by shopping the sales and discount grocers. Less processed foods are cheaper, so do more cooking and save for that special food you want to splurge on. Follow the waste not, want not concept. Cook more than you need for one meal, then you have leftovers or freeze a portion or two for times you don't feel like cooking. Eliminating the need to get fast food or order out not only is healthier but also helps in living frugally and being able to afford little luxuries. Save by eating just one meal at home and you may be able to buy that CD you wanted or save up that money and buy a new stereo.
Surround yourself with friends. What a lift to your day when a friend comes to visit! Consider entertaining a group of friends. Having a cookout or inviting friends to watch a game or a movie builds social relationships. Serving something simple, even just snacks and a drink, will be remembered. By making it your purpose to make someone else's day special, your bond of friendship becomes greater. Who else will you call when you need some help? Living frugally sometimes means you need to rely on friends to help fix something or give you a ride, so be there for them. You might also be able to trade with them. They may have something they no longer need or something the bought in the wrong size. You may have a nice watch that you would not miss. Making a trade gives both of you new items with no out of pocket money adding to both living frugally and strengthening your relationship.
Being careful with your money means taking advantage of free and cheap outings. Going window shopping, to a park or buying items at a flea market are great activities. Save up for that special occasion or event and you will see that you can have a full life by living frugally.
Janet Nicol writes about obstacles and solutions to problems facing people in a wheelchair. She draws from personal experiences and the experiences of people she meets. Janet's goal is to make life easier, more exciting and more enjoyable for people in wheelchairs. Being part of the mainstream of society by traveling, shopping, working and driving is everyone's desire and Janet hopes to give people in wheelchairs some of the tools to follow their dreams. For more information visit http://www.upandrolling.com
Living Frugally on Disability Income
By Janet Nicol
Living frugally does not mean going without the things you want. It would be boring and not much fun if we only had our needs. You can also obtain many of the things you desire. First, let's go through some of the government programs and local programs available.
Social Security benefits may be the majority of your income, but they can be enough by living frugally. If you are able enough to work, there are jobs out there. Working has many benefits besides the money. Having a set schedule gives you the feeling of purpose in life. This is a great self esteem booster. Even if working is not possible, by living frugally you can live on your own.
Local Public Housing Agencies have a voucher system commonly called Section 8 to assist with the cost of renting a home or apartment. Although there is often a long waiting list, this benefit is substantial and necessary for living frugally. Section 8 allows you to choose the housing within certain guidelines. Once approved, your rental cost is generally 30% of your income, but is often as low as 10% of your income. What a savings!
Some states and communities offer discount utility rates for low-income families, disabled people or senior citizens. State Park and local entertainment facilities may offer discounts.
The Food Stamp program can help supplement you budget. Although the amount of assistance for which you qualify may be small, living frugally means finding every penny you can to improve your finances. Use your food budget carefully by shopping the sales and discount grocers. Less processed foods are cheaper, so do more cooking and save for that special food you want to splurge on. Follow the waste not, want not concept. Cook more than you need for one meal, then you have leftovers or freeze a portion or two for times you don't feel like cooking. Eliminating the need to get fast food or order out not only is healthier but also helps in living frugally and being able to afford little luxuries. Save by eating just one meal at home and you may be able to buy that CD you wanted or save up that money and buy a new stereo.
Surround yourself with friends. What a lift to your day when a friend comes to visit! Consider entertaining a group of friends. Having a cookout or inviting friends to watch a game or a movie builds social relationships. Serving something simple, even just snacks and a drink, will be remembered. By making it your purpose to make someone else's day special, your bond of friendship becomes greater. Who else will you call when you need some help? Living frugally sometimes means you need to rely on friends to help fix something or give you a ride, so be there for them. You might also be able to trade with them. They may have something they no longer need or something the bought in the wrong size. You may have a nice watch that you would not miss. Making a trade gives both of you new items with no out of pocket money adding to both living frugally and strengthening your relationship.
Being careful with your money means taking advantage of free and cheap outings. Going window shopping, to a park or buying items at a flea market are great activities. Save up for that special occasion or event and you will see that you can have a full life by living frugally.
Janet Nicol writes about obstacles and solutions to problems facing people in a wheelchair. She draws from personal experiences and the experiences of people she meets. Janet's goal is to make life easier, more exciting and more enjoyable for people in wheelchairs. Being part of the mainstream of society by traveling, shopping, working and driving is everyone's desire and Janet hopes to give people in wheelchairs some of the tools to follow their dreams. For more information visit http://www.upandrolling.com
Living Frugally on Disability Income
By Janet Nicol
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