Cleaning Up My Finances

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Cleaning Up My Finances

About six months ago, I could tell that I needed help. It seemed like no matter how hard I tried, I couldn't get my finances in order. I was spending way more than I earned each and every month, and it was absolutely devastating to my pocketbook. One day, I realized that all of my credit cards were maxed out, and that I was past due on my rent. I knew that I was going to get kicked out of my apartment for not paying, and so I started exploring the possibility of borrowing money from a lender. Long story short, my credit was in terrible condition, and I ended up declaring bankruptcy to make things right. Check out this blog to learn more about cleaning up your finances.


3 Mistakes To Avoid When Applying For Social Security Disability

Filling out the forms for Social Security disability benefits can be confusing and overwhelming. Just filling out the forms is more than some people can handle, let alone the wait involved to determine if they are eligible or not. While it isn't exactly the most user-friendly process, you can make it as simple and efficient as possible in not making some of the pivotal mistakes below.

Collecting unemployment benefits while waiting for a decision on your disability application.

Sure, you might be in need of money in the here and now, but you are actually damaging your claim for benefits in ways you might not even realize. Unemployment is generally for those who are planning on going back to work at some point. Whether it be that you are eligible for these benefits due to a temporary layoff or some other unforeseen circumstance, it is important to note that these benefits imply that you are going to be able to return to the workforce at some point in the near future. Most of the time, disability benefits are for those who aren't able to work and are in need of assistance financially. By showing your financial hardship to the caseworker, you present yourself in a better light to be able to receive the benefits.

Assuming lawyers are too expensive.

Oftentimes, people have it in their heads that they cannot afford a lawyer due to all of the money required upfront. However, that isn't the case with a disability claim. Lawyers will often work with you to get your application approved and help you collect back payments for your case. When you receive your settlement from Social Security, your lawyer will take a percentage of the money as their fee. This will all be discussed with you upfront before you begin using the lawyer's services.

Ignoring what your healthcare provider says.

There is a reason why your doctor gives you prescriptions and makes appointments for you. It is crucial that you go to all of your appointments and take your medication as described. This shows an ongoing problem that you are currently seeking treatment for and working to deal with. If you don't follow medical orders, you aren't going to look good in the eyes of a disability judge.

Your best bet is to speak with a lawyer like Banik & Renner about your situation and discuss your options to see whether you are going to be able to get the benefits you deserve or not.