Month: May 2018
6 Things You Must Know About Social Security Disability Benefits
6 Things You Must Know About Social Security Disability Benefits
Social Security disability benefits could provide much-needed income for you and your family if you’re unable to work
According to the Social Security Administration, one out of four of today’s 20-year-olds will become disabled before they attain the age of 67. In other words, the chance that you won’t be able to work until retirement age is greater than you may think.
Fortunately, Social Security is a lot more than just a program to provide retirement income for older Americans. There’s also a Social Security program that pays disability benefits based on your work history, which can provide a valuable inflation-protected income stream if you become unable to work. With that in mind, here are seven things American workers and their families should know about Social Security disability insurance.
1. There are two forms of Social Security disability insurance
Generally, when you hear someone refer to “Social Security disability,” they’re talking about Social Security Disability Insurance, or SSDI. This is the program designed to replace lost income if a worker who is covered by Social Security becomes disabled.
In addition, there is a program called Supplemental Security Income, or SSI, that is based on financial need, not an individual’s work record. We have a separate, thorough article about the SSI program, but for the remainder of this article, you can assume that I’m referring to Social Security Disability Insurance.
2. Who is eligible for Social Security disability?
To qualify for Social Security disability benefits, two main criteria must be met.
First, you need to have worked in Social Security-covered employment for a certain amount of time. You’ll need to satisfy a “duration of work” test, and the minimum requirement depends on your age. The minimum duration of work required varies from 1.5 years for workers who become disabled before age 28 to 9.5 years of work for workers who become disabled at age 60.
You’ll also need to satisfy a “recent work” test. In a nutshell, you’re required to have worked for half of a certain period of time (depending on your age) immediately prior to your disability. For example, if you become disabled after the age of 31, you need to have worked for five years out of the 10-year period ending with the calendar quarter when you became disabled.
Second, you need to be disabled (obviously). Specifically, Social Security disability benefits are generally paid out to people who can’t work because of a medical condition that’s expected to last for at least one year or result in death.
It’s also important to point out that you need to be completely unable to work. There is no such thing as partial disability benefits or short-term disability benefits from Social Security.
3. How much would you get if you became disabled?
Just like with retired workers, your average Social Security-taxed earnings are used to determine your disability benefits.
In general, the amount you can expect to receive from Social Security Disability Insurance is slightly less than you could expect to receive had you worked until full retirement age. This makes sense — after all, workers generally earn more later in their careers, so by becoming disabled before reaching peak earnings years, the Social Security formula gets skewed lower.
The data backs this up. In February 2018, the average retired worker received a Social Security benefit of $1,407.96 per month, while the average disabled worker got $1,197.14.
The most accurate way to determine how much you could get if you were to become disabled is to view your most recent Social Security statement. You’ll need to create an account at www.SSA.gov if you haven’t done so already, and you can then view your statement, which is packed with valuable information about your Social Security and Medicare benefits, including how much you could expect to get from disability benefits if you were to qualify for them this year.
4. What is the application process
for social security disability benefits like?
The application process to file a disability claim is relatively easy, but it is slightly more complex than the 15-minute application process for Social Security retirement benefits.
You can apply for disability benefits online at www.socialsecurity.gov, and you’ll need to have the following information:
Your Social Security number
Your birth certificate
Medical information, such as names of doctors and hospitals where you’ve received care, medications you take, medical records you have, and relevant lab test results
Details of your work history
Your most recent W-2 or tax return
Once you’ve applied, there are a few other forms that need to be completed. You’ll need to file a form that tells the SSA information about your medical condition, and your healthcare professionals may need to fill out forms as well. The SSA will then make a decision on whether you meet its definition of “disabled.”
As you might imagine, all of this paperwork, and the subsequent evaluation of your case, takes time. The SSA advises that processing a disability benefits application can take three to five months, so if you become disabled, apply as soon as possible.
5. Some of your family members could get benefits, too
Social Security Disability benefits aren’t just for people who can no longer work. In many cases, family members of disabled workers can get SSDI benefits as well. This includes:
Your spouse, if they are at least 62 years old
Your spouse at any age if they care for your child, who is under 16 or disabled
Your child, who is under 18 (or under 19 if in high school)
Your disabled child over 18, if their disability started before age 22
Keep in mind that even if you have several family members entitled to benefits if you become disabled (say, a spouse and two children), there’s a maximum amount of money that can be paid out on any one worker’s record. Including your own benefit, this ranges from 150% to 180% of that worker’s full Social Security retirement benefit amount, and if the calculated disability benefits exceed the allowable maximum, your family members’ benefits can be proportionally reduced.
6. If you get Social Security disability, you can also get Medicare early
Generally, Medicare benefits don’t kick in until you turn 65. However, there’s an exception for disabled workers who get benefits through Social Security. Specifically, disabled workers will get Medicare coverage automatically after receiving disability benefits for two years, and in certain cases (such as with kidney failure), they can qualify sooner.
For further reading: https://www.fool.com/retirement/2018/04/19/7-things-you-need-to-know-about-social-security-di.aspx
MUST SEE: Types of DUI Charges
Types of DUI Charges
Intoxicated driving, driving under influence and drunk driving charges are very serious, and the law uses such cases to set an example, therefore we are going to consider types of DUI charges. The penalties and laws surrounding such charges vary from state to state, as do the possible enhancements that can increase the severity of the charges.
Potential enhancements depend on several factors, but the most common types of enhancements to drunk driving charges include operating a motor vehicle with a BAC of 0.15% or higher, drunk driving with a minor as a passenger, drunk driving that causes another person bodily injury, and drunk driving that causes the death of another person.
Below you will find a brief description of the most common types of DUI charges in the United States.
Types Of DUI Charges
An aggravated DUI is any average DUI charge, but with enhancements. See enhancement examples above. Aggravated DUI charges are the same thing as Felony DUI charges, which is the term used in most states. Additional aggravated DUI offenses include DUI in a school zone, operating a school bus under the influence of drugs or alcohol, driving intoxicated without a valid license, having multiple convictions within a short time frame, and more.
Drugged Driving (DUID)
Alcohol is not the only substance that can lead to a DUI arrest. Operating a vehicle while under the influence of Schedule I or Schedule II drugs, whether legal or illegal, can lead to a DUID charge in most states, which stands for “driving under the influence of drugs.” A police officer can legally arrest you for a DUID charge simply based on a reasonable suspicion that such drugs are in your system.
Driving under the influence of drugs or alcohol is a serious crime in itself; but couple it with an accident and the charges get worse. For example, in Indiana, DUI-related accidents are labeled as Felony DUI charges, and come with severe penalties.
When DUI accidents end with fatalities, the charges increase to DUI manslaughter. Although the fatalities in these cases are unintentional, the charge still come with very severe penalties in most states. DUI manslaughter is a Level 5 Felony, which is a very serious charge.
First-offense DUI charges are generally misdemeanors. But with enhancements or previous convictions, DUI charges turn into a felony very fast. Such factors include multiple convictions, fatalities, presence of children, bodily harm, property damage, and more. With the help of a tough defense lawyer, felony DUI charges can sometimes be reduced to lower felonies or misdemeanors.
A typical DUI charge is a misdemeanor crime, unless there are enhancements involved, or a person has prior DUI convictions within a certain time frame (usually 5 to 10 years). First time DUI offenses are Class C misdemeanors, but with BAC levels higher than 0.15%, they jump to Class A misdemeanors. With the help of a lawyer, Level 6 felony DUI’s can often times be reduced to DUI misdemeanors.
Property Damage DUI
When a DUI accident ends with property damages, the penalties and fines increase dramatically. A person can expect longer jail time, harsher sentencing agreements, and extreme fines. And although these are considered aggravated DUIs, they are not always charged as felonies. However, if property damages are extensive, the charge is likely to increase to a felony.
Most states have a “per se” stance on underage drinking and driving. This means there is a zero-tolerance rule for underage drinking. Any person under the age of 21, the national legal drinking age, is forbidden to consume or purchase alcoholic beverages. Underage drinking is a crime in itself, but combined with driving and DUI charges, underage drinkers face serious penalties. Standard penalties include license suspension, jail time, probation, hefty fines, community service, and diversion programs.
Article Source: http://EzineArticles.com/9872656
How To Fight DUI/DWI Tickets
How To Fight DUI/DWI Tickets
We are going to consider how to fight DUI/DWI tickets in this post. DUI and DWI is a serious violation and is even considered to be a felony in many States in the United States of America. However being prepared and being knowledgeable as to how to fight DUI?DWI tickets always helps to improve your chances and minimize the potential loss. Defeating a DUI/DWI ticket is one of the trickiest – if doable at all – challenges any driver can have. The positive result is never guaranteed and there is always a lot of psychological pressure during the process.
Therefore, we discussed tips and tricks and also provide you with a general guidance and professional advises shared by many practicing DUI lawyers with real experience of defending DUI/DWI cases in the court.
How To Prevent DUI/DWI Ticket
The measures in this group advise you how to avoid a DUI/DWI tickets from happening in the first place.
1. Prevent Rather Than Fight
This million dollar advice simply states “Don’t Drink and Drive”. Always consider avoiding drinking and driving if it’s possible. It is much easier to prevent an undesirable event than get yourself out of trouble when an incident has already happened.
So, the first DUI advice – to avoid DUI “Don’t Drink and Drive” in the first place. Consider using a designated driver, or take a cab or consider using the special “drunk” drivers support services which exist in many places. For example, some automobile associations provide free towing service for its members on official State Holidays, Super Bowl Day and some other “strategic” events.
2. Drinking but Still Driving
You said “Don’t drink and drive”? Well, easier said than done. We all know that there are numerous situations when you must drive after consuming some alcohol. And it is perfectly legal by the way in all States – illegal is only impaired driving with a blood alcohol content (BAC) over the legal limit (usually 0.08). But how much is too much?
Generally one alcoholic drink (glass of wine, one beer or one shot of whisky) safely metabolizes in the human body for about 30 min – 1 hour. The real number – your number – will depend on your gender, age, your metabolism rate, weight (amount of blood in your body), previous food intake, number of drinks you have had and the time elapsed after your last drink.
Note also, that contrary to popular belief, coffee, tea, a cold shower, fresh air or physical exercise cannot help you to get sober sooner. So, plan accordingly and leave enough time to sober out.
So, the second DUI advice – know your number if you drink before your drive. Best of all, to avoid any mistakes use a personal breathalyzer. There is a plethora of individual breathalyzers available in the market and ranging from $10 to several hundred dollars depending on functionality and accuracy they provide. Purchase the one you can afford and test your breath before you can start driving. This simple fix will save you from much of trouble related to DUI.
How To Retaliate DUI/DWI Ticket
The measures in this group are meant to help you to fight possible DUI consequences when you already got stopped by a police officer.
3. When You Are Over the Limit
You were drinking and driving that night, then stopped by police and you were not sure if you got busted or not. What is next? Once you get stopped by law enforcement with suspicion of DUI two things would happen:
1. You will be requested a roadside sobriety exercise like spelling the alphabet starting from a specific letter forwards or counting backwards from some start number or moving exercises like finger-to-nose touching or walking straight line to test your balance etc.
If you passed the express test then everything may happily end right here. Congrats!
2. If you failed the roadside express test then you will be arrested and taken to jail. A full-scale intoxication analysis will be administered to you including your breath, blood or urine analysis.
You might ask what would be the best retaliation strategy for either scenario above. The main logic behind your strategy in both scenarios is basically the same – more you cooperate with traffic police the more evidence you can leave to him. Pull yourself together, stay reserved and don’t do any silly things to hurt your chances.
For the first scenario – if there is ANY chance that you can fail the roadside test then without any doubt you should politely refuse the test and ask to talk to your lawyer first. Note that roadside tests are not mandatory and there are no administrative consequences for refusing the roadside test. Most likely you will be detained and placed into the jail for 8 hours but you will manage to maintain your greatest asset – a presumption of innocence. It would be much more difficult to save your case in front of a jury if you failed the road side test for any reason. Another possible advantage for you here is winning time – negotiation with the police at the traffic stop, then driving to the police station, then doing paperwork there can take some time (sometimes hours) so you will get an additional chance and time to sober out if needed.
For the second scenario – the strategy is the same: if there is ANY chance that you can fail the breath-, blood- or urine- test then politely but firmly refuse the test until you can speak with your lawyer.
This will give you additional time to sober out and to postpone the test. However this case is generally more difficult to defend because of the so-called “Implied Consent Law” acting in many States. According to that law you give the law enforcement authorities your explicit consent for the BAC Tests at the time of issuing a driving license to you. This consent limits your chances for escape later. Nevertheless politely insist to speak with your lawyer and discuss your next step with him. This way you will significantly increase your chances to survive your DUI.
The optimal defense strategy your lawyer would design to defend you in the court heavily depends on specific details of your DUI/DWI case as well as on other important for law factors.
Note, for example, that there are not one but two categories of charges for drinking and driving.
First charge category is a well-known DUI (Driving Under Influence) which addresses driver’s erratic driving at the time of incident rather than anything else. DUI means that you are under the influence but not necessarily over the limit. This charge category is very subjective and basically relies on judgment of the police officer who was observing the scene and who conducts the roadside express test.
Second charge category, more commonly known as DWI (Driving While Intoxicated) focuses on charges for having BAC (Blood Alcohol Level) above the legal limit. It defines the critical BAC levels for different age groups, driver categories and conditions. For example critical BAC levels for underage drivers (younger than 21 years of age), commercial drivers and normal drivers are set to be 0.02, 0.04 and 0.08 respectively. Note, that 0.02 actually means absolutely no drinking, i.e. Zero Tolerance for drivers under 21.
Note that there is a distinct group of drivers who are tolerant (resistant) to the alcohol consumption and who can be well intoxicated without being impaired. According to the DWI law these particular drivers still can be found guilty in high BAC level (0.08 law) but not guilty in driving under the influence!
Conversely, a drinking newbie with low tolerance to alcohol may be impaired way below the 0.08 level and hence found not guilty for DWI but guilty for DUI. If you are guilty of either offense, or both offenses, the punishment is the same.
Note also, that DWI law doesn’t address driving under drug “intoxication” as for drugged drivers BAC is usually perfectly normal. To the same token DWI excludes all drivers who have a medical condition and who take legal, prescribed to them drugs which can make them drowsy, dizzy, disoriented or can impair their ability to drive safely in any other way.
It is easy to understand now that successful defense strategy for either charge category would be completely different and would drastically depend on many subtle details of your particular case.
To give you a basic understanding of what defense tactics an experienced traffic lawyer can apply in your particular case let’s list some of them in a random order:
1. Can the police officer prove that it was you who was driving the car?
In the case if you are not the only passenger in the car this is not that obvious.
2. Where the car keys were found at the time of the traffic stop – in your hands or in the car?
3. Was the Miranda Rights pamphlet read to you at the time of arrest?
4. Were the BAC measurement tools used for your intoxication report the officially approved ones and not the tools discontinued by the law in your State? If not – the intoxication report is not admissible to court and cannot be used against you.
5. Was the breathalyzer tool used to measure your BAC properly tested and calibrated as required by law (at least twice a months as required by many manufacturers)? If not – your case is dismissed.
6. Was the breath test administered correctly – must be 15 min of continues testing. If it was less than 15 min – the measurement data are considered to be unreliable and cannot be used to convict you.
7. Can your breath test be surely attributed to the exhaled air from your lungs and is not affected by your mouth alcohol which usually has much higher concentration?
8. If it was a blood test was the equipment properly cleaned to avoid contamination from previous driver tests. This would require a cross- examination of law enforcement officer.
9. If it was a urine test were there two urine samples taken? If it was one sample – your DUI case can be dismissed.
10. Have you had a drink without having any intent to drive and then were forced to drive by emergency?
11. Have you had a single drink right before the driving? Short timed drinks would unlikely affect your BAC number – so if it was high in the police station sometime two hours after your detention then was it really so high at the time of traffic stop?
Things Which Never Work
Theoretically many traffic violations can be “diplomatically” resolved at the time of the traffic stop if you manage to get mercy from the traffic authority that stopped you. This becomes legally possible as official law grants police officers an exclusive right to forgive a traffic violation if he decides so.
For example, you are a safe driver, or it is your first traffic violation, or you drive out of your state of residency or simply because there is something what makes the police officer sympathetic to you.
With DUI/DWI violations it is different – this type of traffic offences is specifically excluded from the list of forgivable traffic violations. Have no delusion – your DUI/DWI never can be forgiven by a police officer. More over – police officers are officially obliged by law to capture DUI/DWI violations bringing impaired drivers to justice regardless of their social status, rank, celebrity level, wealth or anything else. So never try to beg out your DUI/DWI violation – this would make your chances for further defense only harsher.
DUI/DWI is a serious violation of civil and traffic law and in many States is considered to be a felony. Leaving your DUI/DWI case as is, without any defense can be very costly for you. Driving license revocation, substantial financial fine, jail time, impounding of your car, loss of auto insurability especially if it is not your first DUI/DWI violation – this is a brief list of penalties which can be applied to you in this case.
Never try to handle your DUI/DWI case by yourself. Defending the DUI/DWI case in court is a complex and very delicate process which requires full-time support of a professional lawyer specializing on DUI/DWI cases. Hire a lawyer and enjoy your case happily dismissed – you will be glad you did it.
Article Source: https://EzineArticles.com/expert/Alvin_Borsinger/1175715
Article Source: http://EzineArticles.com/7636856
DUI Vs DWI: What Is The Difference Between DUI and DWI?
DUI Vs DWI: What Is The Difference Between DUI and DWI?
A lot of people are often confused about DUI and DWI as to what each means, their similarities and differences hence the need to write a post on DUI Vs DWI.
What is DUI?
DUI simply means driving under influence. i.e a driver is being pulled over when he is clearly under influence of alcohol, drugs, or even prescription drugs that impair his/her ability
What is DWI?
DWI can be defined as driving while intoxicated, alternatively in some cases driving while impaired.
DUI Vs DWI
Both DUI and DWI can have different meanings or they can refer to the same offense, depending on the state in which you were being pulled over.
In any case, DUI and DWI both mean that a driver is putting the lives, health and safety of himself and others at risk and is being charged with a serious offense.
It’s also important to understand that one is not worse than the other and that both can have a big effect on your life.
What Is The Difference Between DUI And DWI?
Both DUI and DWI refer to the illegal act of driving a vehicle while impaired by alcohol and/or drugs. The chief difference lies in what the letters mean. DUI designates driving under the influence, while DWI refers to driving while intoxicated. While they may sound identical on the surface, some states actually classify them as separate crimes.
If you live in a jurisdiction that classifies them separately, DUI is the lesser charge. A DUI charge denotes a lesser degree of impairment than a DWI for a driver charged with drinking and driving. Level of impairment is determined by the driver’s blood alcohol concentration (BAC) at the time of arrest. In some cases, the state may agree to a plea bargain, reducing a more serious charge of DWI to DUI.
There are certain conditions that must be met in order to reduce a DWI charge to a DUI. For example, it must be a first offense and the driver’s BAC may not be excessively over the state’s legal limit.
What Happens After Getting Arrested For Impaired Driving
No matter what the offense is called in your jurisdiction, if you are arrested for impaired driving, you will be facing serious consequences.
If you are convicted or plead guilty, you will probably lose your driver’s license and pay fines and court fees. For a second offense, you may spend some time in jail.
It is also likely that you will be placed on probation and be required to perform community service. To get your driver’s license back, you will probably have to attend defensive driving classes.
In most states, you will probably undergo an evaluation of your drinking or substance use patterns as well. Based on the results of that evaluation, you may have to take part in a drug or alcohol treatment program. That program could range from attending a few support group meetings like Alcoholics Anonymous to entering a residential treatment facility.
For further readings you can see Types of DUI charges