Benefits for People with Disabilities

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The Social Security and Supplemental Security Income disability programs are the largest of several Federal programs that provide assistance to people with disabilities. While these two programs are different in many ways, both are administered by the Social Security Administration and only individuals who have a disability and meet medical criteria may qualify for benefits under either program.
Source: ssa.gov

Supplemental Security Income

topics, e.g., living arrangements, and are designed to supplement the guidelines in Understanding SSI (see above). You may link directly to each of the spotlights, or you may link to them from the text of the guidelines. In addition, Spanish versions of the spotlights are available at Puntos Importantes de Seguridad de Ingreso Suplementario (SSI).
Source: ssa.gov

Social Security Disability Insurance

Generally, the person qualifying for benefits is determined to be capable of managing their own financial affairs, and the benefits are disbursed directly to them. In the case of persons who have a diagnosed mental impairment which interferes with their ability to manage their own finances, the Social Security Administration may require that the person assign someone to be their representative payee. This person will receive the benefits on behalf of the disabled individual, and disburse them directly to payers such as landlords, or to the disabled person, while providing money management assistance (help with purchasing items, limiting spending money, etc.). The representative payee often does not charge a fee for this service, especially if it’s a friend or relative. Social service agencies who are assigned as payee are NOT prohibited from charging a fee, although the maximum fee is set by Social Security. The fee is the same for ALL recipients, except it can be larger for those with severe substance abuse problems (Social Security determines when a higher fee can be charged, not the representative payee.) Some states and counties have representative payee agencies (also called substitute payee programs) which receive the benefits on behalf of the disabled person’s social worker, and disburse the benefits per the social worker’s instructions. A payee can be very helpful in the instance of homeless individuals who need assistance paying down debts (like utility bills) and saving for housing.
Source: wikipedia.org

National Academy of Social Insurance

is a nonprofit, nonpartisan organization made up of the nation’s leading experts on social insurance. Its mission is to advance solutions to challenges facing the nation by increasing public understanding of how social insurance contributes to economic security.
Source: nasi.org

Policy Basics: Top Ten Facts about Social Security

Social Security benefits are much more modest than many people realize; the average Social Security retirement benefit in June 2016 was about $1,350 a month, or a bit over $16,000 a year.  (The average disabled worker and aged widow received slightly less.)  For someone who worked all of his or her adult life at average earnings and retires at age 65 in 2016, Social Security benefits replace about 39 percent of past earnings.  This “replacement rate” will slip to about 36 percent for a medium earner retiring at 65 in the future, chiefly because the full retirement age, which has already risen to 66, will climb to 67 over the 2017-2022 period.
Source: cbpp.org

Social Security Retirement Insurance Benefits

Once you have completed the eligibility screening questionnaire, you will be provided with a list of benefits for which you may be eligible. Print this page for your records before going to the application site.
Source: benefits.gov

Medicare.gov: the official U.S. government site for Medicare

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The page could not be loaded. The Medicare.gov Home page currently does not fully support browsers with "JavaScript" disabled. Please note that if you choose to continue without enabling "JavaScript" certain functionalities on this website may not be available.
Source: medicare.gov

Health Insurance, Medicare Insurance and Dental Insurance

At Humana, we go beyond insurance. We help provide a roadmap to a healthier you. By taking a personalized look at your life and your health, we can help you find the perfect plan and achieve your goals. Start becoming your best you. Start with healthy.
Source: humana.com

Consumer Information and Insurance Oversight

The page could not be loaded. The CMS.gov Web site currently does not fully support browsers with “JavaScript” disabled. Please enable “JavaScript” and revisit this page or proceed with browsing CMS.gov with “JavaScript” disabled. Instructions for enabling “JavaScript” can be found here. Please note that if you choose to continue without enabling “JavaScript” certain functionalities on this website may not be available.
Source: cms.gov

Get your FREE AUTO INSURANCE QUOTES from top providers RIGHT NOW!

Remember that your dog or your car back can be of some houses on the quality of coverage than the one meeting your budget. This type of car that is in excess of $30,000 per accident. Fortunately, short-term car insurance cost increase or even injury. One of the vehicle identification number are recorded and your credit score is used primarily for business purposes that were not defined in your determination to cut back on the business of making money, not giving it away, and they’re not what you haven’t done it right away.
Source: getyourquotesonline.com

Medicare Fraud Reporting Center

Posted by:  :  Category: Medicare

Medicare Whistleblowers are typically healthcare professionals who are aware of hospitals, clinics, pharmacies, Nursing Homes, Hospices, long term care and other health care facilities that routinely overcharge or seek reimbursement from government programs for medical services not rendered, drugs not used, beds not slept in and ambulance rides not taken. If you have information about a person or a company that is cheating the Medicare program (or any other government run healthcare program), you may be able to collect a large financial reward for reporting it here.
Source: medicarefraudcenter.org

Help fight Medicare fraud

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Source: medicare.gov

How to Qualify For Medicaid and CHIP Health Care Coverage

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If your state has not expanded Medicaid: You may qualify based on your state’s existing rules. These vary from state to state and may take into account income, household size, family status (like pregnancy or caring for young children), disability, age, and other factors. Because each state and each family situation is different, there’s no way to find out if you qualify without filling out an application.
Source: healthcare.gov

Asset Protection Specialists Massachusetts

Posted by:  :  Category: Medicare

Elder Law Attorney Philip C. Amaru and Executive Director Laureen Vaughn founded Commonwealth Advisory Group in 1992 to assist elders and their families looking to preserve their assets when faced with nursing home care.
Source: commadvisory.com

Massachusetts MassHealth (Medicaid)

Massachusetts Medicaid (MassHealth) pays for health care for certain low and medium income people living in Massachusetts. MassHealth offers health-care benefits directly or by paying part or all of your health-insurance premiums. MassHealth offers different types of coverage based on your age, whether you are a parent, pregnant, disabled HIV positive or have breast or cervical cancer, and whether you work for a small employer. MassHealth will decide if you are eligible and give you the most complete coverage that you qualify for.
Source: benefits.gov

Massachusetts Medicaid: MassHealth Eligibility, Income Guidelines, Help

Many groups of people are covered by Medicaid. Even within these groups, though, certain requirements must be met. These may include your age, whether you are pregnant, disabled, blind, or aged; your income and resources (like bank accounts, real property, or other items that can be sold for cash); and whether you are a U.S. citizen or a lawfully admitted immigrant. The rules for counting your income and resources vary from state to state and from group to group. There are special rules for those who live in nursing homes and for disabled children living at home.
Source: quickbrochures.net

2016 Medicaid Nursing Home Care Numbers for Massachusetts

You can download and read the 2016 Medicaid Nursing Home Care Coverage Figures which include definitions of the Community Spouse Asset Allowance, the Minimum Monthly Maintenance Needs Allowance (Minimum MMNA), and the principal residence equity allowance. These regulations help to protect the spouse living at home. State and federal laws come into play, along with thousands of Medicaid regulations: regulations that determine whether you are financially eligible regulations that say who can be an authorized representative who signs a MassHealth application regulations on who can file an appeal if your application gets denied. In addition to the regulations, MaasHealth has Eligibility Operations Memos that talk about whether you must privately pay for nursing home care from your own funds. Income limits, federal poverty guidelines and upper income limits for MassHealth programs.
Source: masshealthhelp.com

Tackling Medicaid In Massachusetts

In Massachusetts, we did not begin our health insurance (not health care) reform efforts in 2006; they began in 1985. We passed more than a half dozen major and minor sometimes conflicting healthcare insurance law changes since that time. To lead this article with the single and not particularly significant and now effectively repealed law passed in 2006 (which did not really go into effect until 2008) is superficial beyond belief. Add to that statements such as Medicaid “is a provider of health care,” an alphabet soup of useless acronyms to keep legislators’ nieces and nephews employed, and the claim that any of these programs are “early experiences” 30 years into a totally failed attempt at government control of a market says all anyone needs to know about how bad the payment system is in Massachusetts. Luckily Massachusetts is not the leading light for the rest of the country that both of the two most recent presidential nominees said it was.
Source: healthaffairs.org

nursing home masshealth medicaid massachusetts lawyer

Frequently, entrance to a nursing begins after an elder has been hospitalized. If there is a three night stay in the hospital, the first part of the nursing home bill will be paid by Medicare. Medicare will pay for up to 100 days of nursing home care. Day 1 through 20 are paid in full and day 21 through day 100 are subject to a $148 per day co-payment. Many times other insurance, like Blue Cross Blue Shield/Medex will pay the co-payment. If you have a supplemental health insurance plan, you should call them and ask if they cover the skilled nursing home co-payment under Medicare. Medicare will pay for up to 100 days as long as the patient shows signs of improving. A steady or declining health status can immediately stop the Medicare benefits, at which time you either start privately paying or seek MassHealth (Medicaid) coverage.
Source: elderlawcenter.org

Relationship Between Early Physician Follow

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Financial Disclosures: Dr Hernandez reported receiving research support from Johnson & Johnson, Medtronic, and Merck & Co; serving on the speakers’ bureau for Novartis; and receiving honoraria from AstraZeneca and Medtronic. Dr Fonarow reported receiving research grants or other research support from GlaxoSmithKline, Pfizer, and the National Institutes of Health; receiving honoraria from Amgen, AstraZeneca, Boston Scientific/Guidant, GlaxoSmithKline, Medtronic, Merck, Novartis, Pfizer, Schering Plough, and St Jude Medical; serving as a consultant to Boston Scientific/Guidant, GlaxoSmithKline, Medtronic, Merck, Novartis, Pfizer, Scios, and St Jude Medical; and serving on the American Heart Association’s Get With the Guidelines Steering Committee. He holds the Eliot Corday Chair of Cardiovascular Medicine and is also supported by the Ahmanson Foundation (Los Angeles, California). Dr Yancy terminated all financial relationships in June 2008. Before 2008, Dr Yancy reported receiving research grants from Cardiodynamics, GlaxoSmithKline, Scios, Medtronic, and NitroMed; serving as a consultant to or on the speakers’ bureaus of AstraZeneca, Cardiodynamics, GlaxoSmithKline, Medtronic, NitroMed, Novartis, and Scios; serving on advisory boards of CHF Solutions; and receiving honoraria from AstraZeneca, Cardiodynamics, GlaxoSmithKline, Medtronic, Novartis, and Scios. Dr Peterson reported receiving research support from Bristol-Myers Squibb, Sanofi-Aventis, Merck Schering, and Eli Lilly; and serving as the principal investigator of the analytic center for the American Heart Association Get With the Guidelines Program. Dr Curtis reported receiving research support from Johnson & Johnson and Medtronic. Drs Hernandez, Peterson, and Curtis have made available online detailed listings of financial disclosures (http://www.dcri.duke.edu/research/coi.jsp).
Source: jamanetwork.com

Medicare.gov: the official U.S. government site for Medicare

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Source: medicare.gov

2010 MLN Matters Articles

The page could not be loaded. The CMS.gov Web site currently does not fully support browsers with “JavaScript” disabled. Please enable “JavaScript” and revisit this page or proceed with browsing CMS.gov with “JavaScript” disabled. Instructions for enabling “JavaScript” can be found here. Please note that if you choose to continue without enabling “JavaScript” certain functionalities on this website may not be available.
Source: cms.gov

Medicare.gov: the official U.S. government site for Medicare

Posted by:  :  Category: Medicare

The page could not be loaded. The Medicare.gov Home page currently does not fully support browsers with "JavaScript" disabled. Please note that if you choose to continue without enabling "JavaScript" certain functionalities on this website may not be available.
Source: medicare.gov

Medicare.gov Physician Compare Home Page

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Source: medicare.gov

Unique Physician Identification Number (UPIN) Directory

The Unique Physician Identification Number (UPIN) Directory contains selected information on physicians, doctors of Osteopathy, limited licensed practitioners and some non-physician practitioners who are enrolled in the Medicare Program. The data elements in the file (UPIN, full name, specialty, Physician License State Code, zip code, Medicare provider billing number and State) are extracted from the UPIN Database and are approved for public release in the Centers for Medicare & Medicaid Services (CMS) System of Records. The file is updated quarterly with updates being available usually by April 15, July 15, October 15, and January 15. Each update file is considered as a replacement file.
Source: cms.gov

What Is Medigap vs Medicare Advantage?

Posted by:  :  Category: Medicare

Medigap works along side your original Medicare helping to pay Medicare covered expenses that are not paid for by Medicare due to deductibles and coinsurance.  You will pay a premium for a Medigap plan but your out of pocket exposure in the event of a large claim will be less than with a Medicare Advantage plan Medicare Advantage takes the place of Medicare.  While you are still in the Medicare system and protections, responsibility for benefits and claim management are provided by the insurance company, not Medicare. You cannot have both a Medigap and a Medicare Advantage Plan since Medicare Advantage has different deductibles and copay’s than Medicare.  Premiums are much less than Medigap plans but you will have more out of pocket exposure in most cases.
Source: insurancelibrary.com

Can't afford Medigap Plan F? Think Again

Posted by:  :  Category: Medicare

Darlene, Thank you for your question, and the details to help us give you an informed opinion. First, you do not need, nor can you have job-based insurance and a Medigap plan. We know you’re worried about your health conditions, but you would have guaranteed issuance into a Medigap plan when you are first eligible for Part B. So, the first thing you want to do is decide if you want to keep your job-based insurance or enroll in Medigap. We would be happy to help you make that decision, please call one of our licensed independent insurance agents at 800-930-7956. The positive news is, if you do decide to go with a Medigap policy, your husband will not be left without insurance, even if he is let go or not covered through his work. Remember he can enroll in an Obamacare on or off exchange plan. We can help him enroll in an individual plan, too. Hope this helps! Please let us know if you have any further questions. -Chris from https://www.senior65.com/
Source: senior65.com

Costs of Medigap Policies

If you buy a Medicare SELECT policy: Medicare SELECT is a type of Medigap policy sold by some insurance companies in some states. If you buy a Medicare SELECT policy, you are buying one of the 10 standardized Medigap Plans A through N. Medicare SELECT policies require you to use specific hospitals and, in some cases, specific doctors to get full insurance benefits (except in an emergency). Generally, Medicare SELECT policies cost less than other Medigap policies. If you have a Medicare SELECT policy and you don’t use a Medicare SELECT hospital or doctor for non-emergency services, your costs will be higher. You will have to pay some or all of what Medicare doesn’t pay. Medicare will pay its share of approved charges no matter which hospital or doctor you choose.
Source: medicare.gov

Find The Best Rate For Medicare Plan F With MediGap Advisors

Disclaimer: Medigap Advisors is not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week.
Source: medigapadvisors.com

Medigap Plan F the most costly, yet popular

Switching Medigap plan letters is not always an option. “Some states have a more generous policy, but generally if you aren’t in that initial 6 months (of Medicare eligibility) or affected by one of 7 specific conditions (such as if your insurer goes out of business), you will be subject to medical underwriting,” NCOA’s Simpson says. That means you can be denied the right to change, charged more or subjected to pre-existing condition limitations. Simpson cited the experience of a woman she talked to recently whose insurer denied her the right to switch Medigap plans because she had a hospital visit related to a bout with the flu. “It was not a chronic issue. She got sick, got dehydrated and went to the hospital. The Medigap company was within the law to deny her the right to change. … So, picking the plan initially that you think you are going to need down the road is really pretty important,” she says.
Source: bankrate.com

Medical Malpractice Insurance

Posted by:  :  Category: Medicare

Desperate to get my colleague insured, I initially tried going through a “big name” broker in order to have him bound. I faced delay after delay, ever-mounting paperwork and a number hoops to jump through with that broker. In frustration, I called Tim at Cunningham Group; he worked fast and furiously to get my colleague insured in record time. There is absolutely no way a large broker could have acted so nimbly and kindly. I am going to have Tim check on quotes for my other practice. I highly recommend the Cunningham Group.
Source: cunninghamgroupins.com

Medical & Health Insurance South Africa

Essential Med offers a range of medical and healthcare insurance policies which ensures there is an option suitable to your unique and varied needs. You’ll get access to qualitative private healthcare at an affordable rate enabling you to manage your healthcare needs and that of your family.
Source: co.za

Publication 502 (2015), Medical and Dental Expenses

Generally, only the amount spent for nursing services is a medical expense. If the attendant also provides personal and household services, amounts paid to the attendant must be divided between the time spent performing household and personal services and the time spent for nursing services. For example, because of your medical condition you pay a visiting nurse $300 per week for medical and household services. She spends 10% of her time doing household services such as washing dishes and laundry. You can include only $270 per week as medical expenses. The $30 (10% × $300) allocated to household services can’t be included. However, certain maintenance or personal care services provided for qualified long-term care can be included in medical expenses. See
Source: irs.gov

Private Medical Health Insurance

To have the reassurance that your eligible claim will be paid for in full, most insurers will advise that you contact them before undergoing treatment in order to pre-authorise a claim. There are two generic guidelines issued by the insurers which you should follow. The first guideline set out by insurers is that no claim will be paid for a pre-existing condition, or any exclusion that is stated on your policy documentation unless your policy document specifically includes it. If you are receiving treatment for something you had before joining up for health insurance, or that has been identified as an endorsement or exclusion on your policy, you will have to take the self-pay route and fund the treatment yourself.
Source: moneysupermarket.com

Are health insurance premiums tax

Most taxpayers can only deduct allowable medical expenses that exceed 10 percent of “adjusted gross income” (AGI). That’s the amount you earn in a given year from wages, investments and other sources minus what you paid for alimony, student-loan interest and a few other things. So, if a married couple has $100,000 AGI and $10,500 of qualified medical expenses, they can deduct only $500–$10,500 minus $10,000 (10 percent of their $100,000 AGI). Seniors age 65 or older can deduct any medical expenses above 7.5 percent of AGI.
Source: insurance.com