Harlan Still & Koch

Columbia Social Security Disability Law Blog

What are ABLE accounts in Missouri?

In Missouri, there are many different benefits that can help you financially if you are suffering due to a disability. One of these is an ABLE account. This is a bank account that has tax advantages for disabled people.

If you want to learn more about whether you are eligible for an ABLE account and how it can benefit you financially, it is important that you fully understand your rights. Many disabled people fail to benefit from all the benefits they are entitled to because of a lack of awareness.

Your rights to gaining new skills after a work injury

Many people who are injured at work are unable to return to their role at their place of employment. This means that not only will they have gone through the pain and suffering of a serious injury, but they may struggle to gain an income in the future. This is why workers' compensation insurance has provisions in place to help injured workers train in new skills. This can help them to gain a more suitable form of employment.If you think that undergoing new training after a work injury will improve your employability, it is a good idea to fully understand the law. By doing so, you will be able to assert your rights and take positive action for your future.

Undergoing an initial assessment

Applying for disability benefits after turning 50

In order to fulfill the demands of our profession, we rely on the abilities of our body and our mind. Suffering an injury or an illness that affects our abilities can have devastating effects on our capacity to earn an income. This is why in the United States there are two types of disability benefits available to those who are unable to continue with work.

Social Security Disability Insurance (SSDI) is available to disabled workers who have earned 20 or more quarters of coverage (QCs) through their work in the last 10 years. It is common for injured workers to struggle to successfully claim SSDI, but if you are applying when over the age of 50, you may find that it is easier to make a claim.

Differences between long- and short-term disability insurance

After suffering an illness or injury, your financial situation can change quickly. From the moment that you need to stop working in order to recover, it is likely that you will be losing wages. Long- and short-term disability insurance acts as a safety net for those who would otherwise suffer significantly after being unable to work.

If you foresee that you will be unable to work for a significant amount of time, you may be wondering what options you have in making an insurance claim. If you are suffering due to an injury at work, you may be able to claim workers' compensation. However, if the reason for your illness or injury is not work-related, you may have to rely on private insurance taken out by you or your employer.

Employer duties and employee rights after a workplace injury

If you have been injured while at work, you are probably aware that you have the right to make a workers' compensation claim in Missouri, but you may be confused regarding what types of compensation it gives you the right to claim. It is important, therefore, that you understand what you should expect to receive and what responsibilities your employer has toward you.

By learning about workers' compensation laws in Missouri, you will be more equipped to assert your rights. In addition, you will be able to more efficiently take action to gain the workers' compensation benefits that you deserve.

The 2 types of Social Security Disability benefits

When you are suffering from a long-term disability, it is likely that this has had a significant impact on the way that you go about your daily life. In addition, it will probably have determined the extent to which you are able to earn money. This is why there are two federal programs in place to mitigate the financial impact that mental and physical disabilities have.

The two federal programs in place are Social Security Disability Insurance (SSDI) and Supplemental Security Insurance (SSI). If you want to file for disability benefits in Missouri, the program that you should apply for will depend on your career history and other circumstances. It is important, therefore, that you understand the difference between the two types of Social Security benefits.

Suffering from long-term disability after a work accident?

Being injured at work can affect all aspects of your life. Unfortunately, serious injuries at work can lead to long-term disabilities. If you have an active role at work, your injury might prevent you from being able to continue working at the same position.

Moving forward in a positive way after a serious injury is very important. After you have made significant progress recovering physically, you should think about taking small steps to make progress returning to gainful employment. It is likely that you will have already filed for workers' compensation benefits so to help you during your recuperation from your injuries. However, in the future, if your injuries do not fully resolve, you will need to seek long-term disability benefits.

Can I apply for Social Security Disability if I’m older than 50?

Disability afflicts everyone regardless of age. Some people might think that if they’re older, they might have a harder time applying for and receiving benefits from Social Security.

Nothing could be further from the truth. Once you reach age 50, it’s actually easier for you to receive disability benefits.

Documentation you need to file a workers' compensation claim

Suffering an injury or illness on the job in Columbia, Missouri can cause you a lot of problems. You might miss a lot of time at work, which can lead to serious financial trouble. The medical expenses stemming from an injury and the lack of income can spell debt. Today, we will discuss the documentation needed to file a workers' compensation claim in Missouri so you file correctly the first time.

When you seek immediate medical evaluation and treatment you need to tell your doctor that the injury occurred on the job. When you notify your doctor of the circumstances, he or she will make sure that every single symptom, test and treatment method is documented in detail so it can be provided as part of your claim.

Do I need short-term or long-term disability insurance?

Living with a disability is difficult enough without having to navigate the complexities of insurance. One of the most important but confusing aspects of disability insurance is short-term versus long-term disability. What do they mean, and which one should you select?

In this post, we will discuss the major differences between them so that you can make the decision that is best for you.

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