Divorce and Social Security Benefits: Navigating Complex Rules for Support

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Divorce and Social Security Benefits: Navigating Complex Rules for Support"

Transcription

1 Presenting a live 90-minute webinar with interactive Q&A Divorce and Social Security Benefits: Navigating Complex Rules for Support TUESDAY, SEPTEMBER 29, pm Eastern 12pm Central 11am Mountain 10am Pacific Today s faculty features: Karen T. Kugler, Partner, McGee Kugler Family Law, Osseo, Minn. Seth D. Kramer, CFLS, Attorney, Law Office of Seth Kramer, Marina Del Rey, Calif. The audio portion of the conference may be accessed via the telephone or by using your computer's speakers. Please refer to the instructions ed to registrants for additional information. If you have any questions, please contact Customer Service at ext. 10.

2 Tips for Optimal Quality FOR LIVE EVENT ONLY Sound Quality If you are listening via your computer speakers, please note that the quality of your sound will vary depending on the speed and quality of your internet connection. If the sound quality is not satisfactory, you may listen via the phone: dial and enter your PIN when prompted. Otherwise, please send us a chat or immediately so we can address the problem. If you dialed in and have any difficulties during the call, press *0 for assistance. Viewing Quality To maximize your screen, press the F11 key on your keyboard. To exit full screen, press the F11 key again.

3 Continuing Education Credits FOR LIVE EVENT ONLY In order for us to process your continuing education credit, you must confirm your participation in this webinar by completing and submitting the Attendance Affirmation/Evaluation after the webinar. A link to the Attendance Affirmation/Evaluation will be in the thank you that you will receive immediately following the program. For additional information about continuing education, call us at ext. 35.

4 Program Materials FOR LIVE EVENT ONLY If you have not printed the conference materials for this program, please complete the following steps: Click on the ^ symbol next to Conference Materials in the middle of the lefthand column on your screen. Click on the tab labeled Handouts that appears, and there you will see a PDF of the slides for today's program. Double click on the PDF and a separate page will open. Print the slides by clicking on the printer icon.

5 Divorce & Social Security Benefits By: Karen Terese Kugler, Esq. and Seth D. Kramer, Esq.

6 Explanation of Social Security 6 Benefits There are two main types of social security benefits related to disability: Social security disability insurance (SSDI) For individuals with enough work credits Provides a greater amount of monthly income. Supplemental security income (SSI). For individuals without sufficient work credits Provides a much smaller amount of monthly income. Some individuals that are not fully eligible for SSDI may receive benefits under both the SSDI and SSI programs.

7 7 Explanation of Social Security Benefits This chart is a summary of the difference between the programs. SSDI is sometimes called RSDI, for retirement, survivors, and disability insurance. The terms RSDI and SSDI are used interchangeably. What is it? Work history? Approximate benefit amount Additional cash benefit for children Date benefits begin Asset Limit Reduced by earned income? Is It SSI or SSDI? SSI Disability benefits are based on financial need Party did not work very much and does not have enough work credits Maximum of $733 per month (for 2012) No The date the party made an application for benefits Individuals generally are not eligible for SSI if they have resources in excess of $2,000 (or $3,000 for a couple). Certain resources are excluded, most commonly a home, an automobile, and household goods and personal effects Yes For example, a person whose income consists of $500 in gross monthly earnings would receive $ in federal SSI payments (($500 - $85) / 2) = $ countable earnings FBR $733 - $ = $ federal SSI SSDI Disability benefits are based on prior work and work credits Party has worked 5 out of the last 10 years before application for benefits Varies based on work credits but higher than $733. The average benefit is $1,111 per month Yes The date the disability began No No However, if the earned income is too high this may trigger a termination of benefits

8 Explanation of Social Security Benefits: The Process of Obtaining Step 1: Initial Application Benefits The party applies for SSI, SSDI, or both, either in person at their local SSA office or via the web. A SSA worker will be assigned to the party s case and is supposed to obtain copies of the medical & vocational records for the party. The party may be asked to attend an Independent Medical Examination (IME) or Special Examination to determine if they are disabled under the rules. The worker reviews the record and determines if the party is eligible for benefits. It is extremely common for parties to be rejected at this stage. 8

9 Explanation of Social Security Benefits: The Process of Obtaining 9 Benefits Step 2: Request for Reconsideration If the worker rejects the party s claim, the party receives a notice and then has 60 days to make a Request for Reconsideration. A SSA worker will have the party update their information, will review the file with this additional information, and will determine if they believe the party is eligible for benefits. Just as with the initial application, it is extremely common for parties to be rejected at this stage despite severe disabilities.

10 Explanation of Social Security Benefits: The Process of Obtaining 10 Benefits Step 3: Hearing with Administrative Law Judge (ALJ) If the party is denied benefits at the Request for Reconsideration stage of the process they can request a hearing within 60 days of the denial. The party s best chance of receiving social security disabilities is likely at the hearing stage of the process. It is very beneficial if the party has a social security law attorney to represent him or her in this process. The hearing is held in front of an Administrative Law Judge (ALJ) and the hearings generally last 1 to 2 hours. The party will testify and be asked questions by his/her attorney and the ALJ. There may also be a medical expert and a vocational expert present who may testify.

11 Explanation of Social Security Benefits: The Process of Obtaining Benefits Step 4: Appeal to Appeals Counsel or Federal District Court. After the hearings level of the process, a party can appeal to the appeals counsel and then can file a case in Federal District court, but this is not especially common. 11

12 Explanation of Social Security Benefits You cannot obtain social security disability benefits for temporary disabilities In order to qualify for SSI or SSDI, an individual must be unable to engage in substantial gainful activity (SGA) by reason of a medically determinable physical or mental impairment expected to result in death or last at least 12 months. This means that in order to qualify for social security disability the impairment in question is usually a permanent and severe one. Five states (California, Hawaii, Rhode Island, New Jersey & New York), Puerto Rico, and the railroad industry have programs that partially compensate a party for the loss of wages caused by temporary, non-occupational disability or maternity. Those programs are known as temporary disability insurance (TDI) because the duration of the payments is limited. Federal law does not provide for a federal-state insurance system for short-term disability. 12

13 Explanation of Social Security Benefits: How Eligibility Is Determined Option 1: Meets the Listings 20 CFR Part 404, Subpart P, Appendix 1. Each listing describes in detail the level of medical impairment necessary for each medical condition 13

14 Explanation of Social Security Benefits: How Eligibility Is Determined Option 2: Equals the Listings Often parties have a number of different medical conditions that cause them to be disabled, or alternatively their condition is equal in severity to a similar listing but does not exactly meet the definition in the listings. In this situation, a party can receive benefits based on medically equaling the listing or combination of listings. 14

15 Explanation of Social Security Benefits: How Eligibility Is Determined Option 3: Vocational Impairment 20 CFR Part 404, Subpart P, Appendix 2 Often parties cannot meet or equal a medical listing, but they are unable to work due to the restrictions they have due to a disability. In this situation the Social Security Administration will analyze if the party is able to engage in substantial gainful employment (SGA). 15

16 Issues Specific to Divorce 16 Back Pay & Assets Attributable to Soc. Sec. Benefits A significant period of time may elapse between the application for benefits (or onset of disability) and the award of benefits. When benefits are finally awarded, the party will usually receive back pay for monthly benefits that accrued during this time period. The back pay amount can be substantial, especially in SSDI cases. Social Security benefits (including back pay) are generally treated as a spouse s separate (non-marital) property and generally will not be subject to division. However, this is not true in all jurisdictions. Hisquierdo v. Hisquierdo, 439 U.S. 572 (1979). Marriage of Hillerman, 109 CA.3d 334 (CA 1980) (In California social security benefits are non-marital) Dinges v. Dinges, 16 Neb. App. 275 (Neb. Ct. App. 2008) (In Nebraska portion of asset acquired by using back pay is non-marital) In re Marriage of Zahm, 978 P.2d 498 (Wash. 1999) (In Washington social security benefits may be included as a part of an equitable distribution)

17 Issues Specific to Divorce 17 Overpayments Sometimes the social security administration makes a mistake, and pays the claimant too high a benefit amount. Even if this mistake is due to no fault of the claimant, the claimant will be required to pay the overpayment back. This could arguably be a marital debt. Lisa M.H. v. Gerald C.H., 35 A.D.3d 1188 (NY 2006) (In New York the overpayment is a marital debt) Unpublished: Johnson v. Johnson, No. 45A DR-94 (Ind. Ct. App. Jan. 29, 2013) (In Indiana overpayment was a marital debt).

18 Issues Specific to Divorce Derivative Benefits Due to retirement not disability Payable to a spouse or ex-spouse after the employee s retirement Ex-spouse does not need to be retired to collect benefit. Irrelevant if ex-spouse is remarried Must have been married to employee for at least 10 years Cannot currently be remarried. Must have been divorced for at least 2 years (unless the ex-spouse is already receiving benefits). 42 USC 402(b) & 416(d) 18

19 Issues Specific to Divorce 19 Derivative Benefits Children of retired person may receive social security benefits. A child will receive up to 50% of the parent s PIA (primary insurance amount base amount of the parent s benefit). However, the child s benefit is subject to a family maximum ( % of PIA for retirement benefit recipients).

20 Ways to Structure Alimony & Child Support Considering Social Security Issues Children can receive funds from social security for their own disability (through SSI) or due to their parent s disability (through their parent s SSDI). The funds a child receives for their own disability (child s SSI) should not be used to calculate a parent s income for child support. A child s income is not a parent s income. States base child support awards based on parental income and a parent s obligation to provide support exists despite a child s own income. 59 Am. Jur.2d, Parent and Child 77, p. 169 Armstrong v. Armstrong, 544 P.2d 941 (Cal. 1976) 20

21 Ways to Structure Alimony & Child Support Considering Social Security 21 Issues The funds a child receives based on a parent s disability (parent s SSDI) may be factored into child support. 42 U.S.C. 407 protects social security benefits from legal process is subject to an exception found in 42 U.S.C Jugovich v. Jugovich, No. A , 2008 WL (Minn. Ct. App. Nov. 4, 2008). Kimbrell v. Kimbrell, 884 S.W.2d 268 (Ark. 1994). Brown v. Brown, 849 N.E.2d 610 (Ind. 2006) CA Family Code 4058 & 4504 In Re Marriage of Daugherty, 232 Cal. App. 4th 463 (2014)

22 22 Ways to Structure Alimony & Child Support Considering Social Security Issues Depending on the state, a disabled person may want to request that child support be reduced while a social security case is pending. The majority of jurisdictions will treat back-pay as a child support payment to be credited towards the child support obligation (including future obligations). Wisconsin: Montana: In re Marriage of Cowan, 928 P.2d 214, 220 (Mont. 1996) South Dakota: Crago v. Donovan, 594 N.W.2d 726, 731 (S.D. 1999) However, some jurisdictions will not make this credit, so if an obligor pays the ongoing obligation while waiting to receive social security benefits the back-pay is given as a windfall to the obligee. Minnesota: Floding v. Gillespie, N.W.2d (Minn. 2015)

23 Ways to Structure Alimony & Child Support Considering Social Security Issues Since SSI is a need based program, it is treated as public assistance when determining a party s income for child support and is generally excluded as income for determining support. 42 U.S.C. 407 protects SSI benefits from legal process and SSI is generally not subject to the 42 U.S.C. 659 exception that applies to SSDI benefits. Minn. Stat. 518A.29(h) Davis v. Office of Child Support Enforcement, 20 S.W.3d 273 (Ark. 2000) 23

24 24 Ways to Structure Alimony & Child Support Considering Social Security Issues When there is a special needs child who receives SSI, the parents may want to carefully consider how child support is structured. Child support will reduce SSI. One third of the child support received is countable income which causes a dollar for dollar reduction in SSI. SSI is required to receive Medicaid in about 36 states. Option: Parents could have the divorce decree direct that the non-custodial parent pay support to a special needs trust. For requirements see 42 U.S.C. 1396p(d)(4)(A) Option: Obligor could pay child s expenses directly to provider.

25 Ways to Structure Alimony & Child Support Considering Social Security Issues While a party is in the process of attempting to obtain social security disability benefits they may need to find ways to prove that income should not be imputed to them in some states. Minnesota statute does not directly exempt a disabled person from having income imputed to them if they do not receive social security benefits. Engelking v. Engelking, No. A , 2010 WL (Minn. Ct. App. Sept. 21, 2010). 25

26 Ways to Structure Alimony & Child Support Considering Social Security Issues Spousal maintenance can reduce some disability payments. If an obligee is receiving SSDI, spousal maintenance will not reduce the social security benefits received. If an obligee is receiving SSI, spousal maintenance will reduce the benefits received. 26

27 Ways to Structure Alimony & Child Support Considering Social Security Issues 27 If an obligee is receiving SSI, spousal maintenance will reduce the benefits received. The first $20 of spousal maintenance will not reduce the SSI amount, but all spousal maintenance above that amount will reduce the SSI benefit dollar for dollar. I the party receives $400 in SSI, and the party then receives $300 in spousal maintenance, then SSI would be reduced to $120 per month. Further, spousal maintenance is taxable to the party, while SSI is not taxable. How to cope? Increase a property award and award property that is a non-countable asset Direct alimony to be paid to a special needs trust.

28 Discovering & Using Information Found on Social Security Forms 28 Social Security files can be a gold mine of information that is useful in family court cases. Here are some documents that may be found in an SSA file that may be relevant to family court proceedings Due to confidentiality concerns these documents should be provided under a Sealed Source Documents cover or a Protective Order should be obtained, so that they do not become public record. It is also important to analyze whether the party has waived privilege by placing his or her medical condition in issue

29 Possible Item in SSA File What is it? Potential Use(s) Mental Residual Functional Capacity Assessment Form OMB No Physical Residual Functional Capacity Assessment Form OMB No A letter written by their treating physician on the physician s own stationary. Request for Medical Opinion Form (this is a form used by DHS -- DHS ENG). 29 A form filled out by the party s doctor or by SSA s medical expert assessing the party s mental condition, and how it limits daily activities. A form filled out by the party s doctor or by SSA s medical expert assessing the party s physical condition, and how it limits daily activities. Medical opinion letter Used by social services to determine eligibility for programs such as GA, some parties will provide this to SSA in support of their case. To support or undermine a spousal maintenance claim. To support or undermine a parenting time or custody request. To undermine an imputation of potential income in a child support case. To support or undermine a spousal maintenance claim. To support or undermine a parenting time or custody request. To undermine an imputation of potential income in a child support case. To support or undermine a spousal maintenance claim. To support or undermine a parenting time or custody request. To undermine an imputation of potential income in a child support case. To support or undermine a spousal maintenance claim. To support or undermine a parenting time or custody request. To undermine an imputation of potential income in a child support case.

30 Possible Item in SSA File What is it? Potential Use(s) Special Medical Examination In determining eligibility for benefits, SSA may send a party to a special medical examination with a medical expert employed by the SSA. These reports are generally less favorable to a finding of disability. A medical expert may also testify at the hearing stage. To undermine a spousal maintenance claim. To support or undermine a parenting time or custody request. Party s Medical Records Medical Records To support or undermine a spousal maintenance claim. time or custody request. To undermine an imputation of potential income in a child support case. Vocational Assessment or Vocational Records 30 Some parties will have vocational assessments as a part of their file. There may also be records from day treatment programs, or other social services agency. A vocational expert may also testify at the hearing stage of the process. To support or undermine a spousal maintenance claim. To support or undermine a parenting time or custody request. To undermine an imputation of potential income in a child support case.

31 Structuring the Settlement Agreement SSDI benefits paid on behalf of the child of the disabled person are generally paid directly to the custodial parent (even if that is not the disabled party) by SSA. See CFR (c) A custodial parent of a child receiving SSDI benefits should contact the SSA and apply to be the minor child s representative payee. Benefits paid for children must be managed and used in a particular way, so the party should review the responsibilities of being a representative payee. 31

32 Social Security Legal Resources 32 Social security law is a form of administrative law and guidance is found primarily in the Code of Federal Regulations (CFR) specifically Title 20, Chapter III, of the CFR, Parts 404, 405 and 416. Additionally, the Program Operations Manual System (POMS) contains the information that SSA employees use when processing social security claims. I have found POMS helpful when SSA employees have wrongfully denied a claim or limited benefits, and have cited to POMS to convince them to change their decision. The Hearings, Appeals, and Litigation Law Manual (HALLEX) is helpful in understanding some of the procedures of the social security law process. All three of these sources can be found at

33 Questions? Karen Terese Kugler McGee Kugler Family Law 106 Central Avenue, Suite C Osseo, MN (763) Website: Seth D. Kramer Law Office of Seth Kramer 4223 Glencoe Ave., Suite A225 Marina Del Rey, CA (310) Website: 33

7 Things Every Family Lawyer Should Know About Social Security Disability Law. Is It SSI or SSDI?

7 Things Every Family Lawyer Should Know About Social Security Disability Law. Is It SSI or SSDI? 7 Things Every Family Lawyer Should Know About Social Security Disability Law Presented by: Karen Terese Kugler J. Oakes Family Law 1. There is more than one program under which a person can receive social

More information

Social Security Title II Basics. PABSS prerequisite February 2016

Social Security Title II Basics. PABSS prerequisite February 2016 Social Security Title II Basics PABSS prerequisite February 2016 Who Can be Served by PABSS? People who receive disability benefits from Social Security - Supplemental Security Income (SSI) based on disability.

More information

SOCIAL SECURITY DISABILITY LAW FOR THE NON-DISABILITY LAWYER

SOCIAL SECURITY DISABILITY LAW FOR THE NON-DISABILITY LAWYER SOCIAL SECURITY DISABILITY LAW FOR THE NON-DISABILITY LAWYER Presented by: Kevin Babbit Knox and Babbit, Chtd. 1425 Oread West, Suite 105 Lawrence, KS 66049 785-841-8282 I. DISABILITY AND OTHER AREAS OF

More information

Divorce: When a Spouse Files Bankruptcy

Divorce: When a Spouse Files Bankruptcy Presenting a live 90-minute webinar with interactive Q&A Divorce: When a Spouse Files Bankruptcy Dischargeability of Domestic Support Obligations and Property Settlements WEDNESDAY, FEBRUARY 15, 2012 1pm

More information

Social Security Disability Benefits

Social Security Disability Benefits Social Security Disability Benefits A Guide to Social Security Disability Important information for Veterans inside! Roger Skip Ritchie, Jr. Attorney and Consumer Advocate LAW FIRM P.L.C. Social Security

More information

Social Security Disability Insurance (SSDI): The Five-Month Waiting Period for Benefits

Social Security Disability Insurance (SSDI): The Five-Month Waiting Period for Benefits Social Security Disability Insurance (SSDI): The Five-Month Waiting Period for Benefits Umar Moulta-Ali Analyst in Disability Policy January 24, 2013 CRS Report for Congress Prepared for Members and Committees

More information

Social Security Overpayments Presenter: Stacey J. Dembo, Esq

Social Security Overpayments Presenter: Stacey J. Dembo, Esq Social Security Overpayments Presenter: Stacey J. Dembo, Esq Law Offices of Stacey J. Dembo, LLC 208 S. Jefferson Street, Suite 204 Chicago, IL 60661 312-702-1492 * stacey@dembolaw.com Social Security

More information

Social Security and Disability

Social Security and Disability Social Security and Disability We thank attorney Frank W. Levin for his assistance in this chapter. Understanding what it takes to be eligible for Social Security disability can be confusing. This chapter

More information

Multi-Jurisdictional Workers' Compensation Claims

Multi-Jurisdictional Workers' Compensation Claims Presenting a live 90-minute webinar with interactive Q&A Multi-Jurisdictional Workers' Compensation Claims Selecting the Jurisdiction and Navigating Conflicting State Laws Regarding Benefits, Rights and

More information

Allocating Defense Costs Among Multiple Insurers and Between Covered and Uncovered Claims

Allocating Defense Costs Among Multiple Insurers and Between Covered and Uncovered Claims Presenting a live 90-minute webinar with interactive Q&A Allocating Defense Costs Among Multiple Insurers and Between Covered and Uncovered Claims Methods of Allocation Among Insurers and Allocation to

More information

Overcoming Ethical Challenges for Multi-Firm Lawyers and Their Firms: Fiduciary Duty, Conflict, Fee-Splitting and More

Overcoming Ethical Challenges for Multi-Firm Lawyers and Their Firms: Fiduciary Duty, Conflict, Fee-Splitting and More Presenting a live 90-minute webinar with interactive Q&A Overcoming Ethical Challenges for Multi-Firm Lawyers and Their Firms: Fiduciary Duty, Conflict, Fee-Splitting and More TUESDAY, SEPTEMBER 16, 2014

More information

Social Security Benefits for Adults with Disabilities

Social Security Benefits for Adults with Disabilities Social Security Benefits for Adults with Disabilities The Social Security Administration (SSA) has two benefit programs for adults with disabilities: Social Security Disability Insurance benefits (SSDI)

More information

SOCIAL SECURITY BENEFITS

SOCIAL SECURITY BENEFITS SOCIAL SECURITY BENEFITS Social Security is a federal program that pays monthly payments to aged, blind and disabled people. In some cases, dependents and survivors also get benefits. The Social Security

More information

Social Security Benefits Information: Family Law Matters

Social Security Benefits Information: Family Law Matters Social Security Benefits Information: Family Law Matters I. SPOUSAL BENEFITS Retirement benefits for current spouse on other spouse s record Even if he or she has never worked under Social Security, your

More information

VA Benefits and Medicaid Eligibility Meeting Complex Requirements for Benefits Qualification and Application

VA Benefits and Medicaid Eligibility Meeting Complex Requirements for Benefits Qualification and Application Presenting a live 90 minute webinar with interactive Q&A VA Benefits and Medicaid Eligibility Meeting Complex Requirements for Benefits Qualification and Application WEDNESDAY, JANUARY 30, 2013 1pm Eastern

More information

CHAPTER 3 SOCIAL SECURITY DISABILITY INSURANCE PROGRAM

CHAPTER 3 SOCIAL SECURITY DISABILITY INSURANCE PROGRAM CHAPTER 3 SOCIAL SECURITY DISABILITY INSURANCE PROGRAM Social Security (DI a ) by the Numbers (2007) Workers Paying Social Security Taxes 163.2 million DI Tax Rate (on both the Employee and Employer) 0.9

More information

Medical Expert Depositions in Workers' Comp Cases

Medical Expert Depositions in Workers' Comp Cases Presenting a live 90-minute webinar with interactive Q&A Medical Expert Depositions in Workers' Comp Cases Effective Techniques for Deposing Experts and Raising Strategic Objections TUESDAY, MARCH 11,

More information

Social Security Benefits: How To Access & Move Forward. Angelina Bush, CWIC & CESP Community Integrated Services

Social Security Benefits: How To Access & Move Forward. Angelina Bush, CWIC & CESP Community Integrated Services Social Security Benefits: How To Access & Move Forward Angelina Bush, CWIC & CESP Community Integrated Services Introduction Certified Work Incentive Coordinator at Community Integrated Services Help individuals

More information

Payment and Performance Surety Bonds in Construction Projects: Perspectives of Owners, Contractors and Sureties

Payment and Performance Surety Bonds in Construction Projects: Perspectives of Owners, Contractors and Sureties Presenting a live 90-minute webinar with interactive Q&A Payment and Performance Surety Bonds in Construction Projects: Perspectives of Owners, Contractors and Sureties Asserting and Defending Surety Bond

More information

Social Security Disability Benefits

Social Security Disability Benefits Helping Older Persons With Legal & Long-Term Care Problems Social Security Disability Benefits 1. What Disability Programs Are Available From The Social Security Administration (SSA)? SSA offers two major

More information

Builder's Risk Insurance for Construction Projects: Legal Issues

Builder's Risk Insurance for Construction Projects: Legal Issues Presenting a live 90-minute webinar with interactive Q&A Builder's Risk Insurance for Construction Projects: Legal Issues Evaluating Scope of Coverage, Policy Exclusions and Coverage Extensions and Sub-Limits

More information

Estate and Trust Form 1041 Issues for Tax Return Preparers

Estate and Trust Form 1041 Issues for Tax Return Preparers Estate and Trust Form 1041 Issues for Tax Return Preparers Allocating Income and Deductions, Calculating DNI, Understanding Reporting Rules for Trusts, and More WEDNESDAY, FEBRUARY 27, 2013, 1:00-2:50

More information

SOCIAL SECURITY OVERPAYMENTS:

SOCIAL SECURITY OVERPAYMENTS: SOCIAL SECURITY OVERPAYMENTS: RESPONDING TO A NOTICE THAT SAYS YOU HAVE BEEN OVERPAID This document contains general information for educational purposes and should not be construed as legal advice. It

More information

Performance Bonds and CGL Insurance In Construction Projects: Navigating the Interplay Between Insurance and Surety

Performance Bonds and CGL Insurance In Construction Projects: Navigating the Interplay Between Insurance and Surety Presenting a live 90-minute webinar with interactive Q&A Performance Bonds and CGL Insurance In Construction Projects: Navigating the Interplay Between Insurance and Surety Minimizing Risks and Maximizing

More information

Your Social Security. Disability Benefits. What You Need to Know to Collect What s Rightfully Yours

Your Social Security. Disability Benefits. What You Need to Know to Collect What s Rightfully Yours Your Social Security Disability Benefits What You Need to Know to Collect What s Rightfully Yours This guide is provided by Berger and Green Attorneys At Law 5850 Ellsworth Avenue Suite 200 Pittsburgh,

More information

for Landlords and Tenants Negotiating Insurance, Indemnity and Mutual Waiver of Subrogation Provisions

for Landlords and Tenants Negotiating Insurance, Indemnity and Mutual Waiver of Subrogation Provisions Presenting a live 90 minute webinar with interactive Q&A Commercial Leases: Risk Mitigation Strategies for Landlords and Tenants Negotiating Insurance, Indemnity and Mutual Waiver of Subrogation Provisions

More information

Benefits Planning Query Handbook (BPQY)

Benefits Planning Query Handbook (BPQY) Social Security Administration Benefits Planning Query Handbook (BPQY) Distributed by Office of Program Development and Research Office of Retirement and Disability Policy September 2009 Version 2.0.3C

More information

Settling Wage/Hour Claims: Weighing Settlement Options, Negotiating Damages, and Ensuring Court Approval

Settling Wage/Hour Claims: Weighing Settlement Options, Negotiating Damages, and Ensuring Court Approval Presenting a live 90-minute webinar with interactive Q&A Settling Wage/Hour Claims: Weighing Settlement Options, Negotiating Damages, and Ensuring Court Approval WEDNESDAY, JANUARY 15, 2014 1pm Eastern

More information

ALTA/ACSM Land Title Surveys: Leveraging the Feasibility Assessment Tool for Land Development Deals

ALTA/ACSM Land Title Surveys: Leveraging the Feasibility Assessment Tool for Land Development Deals Presenting a live 90 minute webinar with interactive Q&A ALTA/ACSM Land Title Surveys: Leveraging the Feasibility Assessment Tool for Land Development Deals THURSDAY, FEBRUARY 27, 2014 1pm Eastern 12pm

More information

SOCIAL SECURITY DISABILITY AND ITS EFFECTS ON WORKERS= COMPENSATION. May 15, 2009. by Michael Costello

SOCIAL SECURITY DISABILITY AND ITS EFFECTS ON WORKERS= COMPENSATION. May 15, 2009. by Michael Costello SOCIAL SECURITY DISABILITY AND ITS EFFECTS ON WORKERS= COMPENSATION May 15, 2009 by Michael Costello The Walthew Law Firm Walthew, Thompson, Kindred, Costello & Winemiller, P.S. 123 Third Avenue South

More information

Protection & Advocacy, Inc.

Protection & Advocacy, Inc. Protection & Advocacy, Inc. SACRAMENTO LEGAL OFFICE 100 Howe Avenue, Suite 235 North, Sacramento, CA 95825-8202 Telephone: (916) 488-9950 Fax: (916) 488-9960 Toll Free/TTY/TDD: (800) 776-5746 www.pai-ca.org

More information

The Law Offices of Robertson Wendt Media Kit: Frequently Asked Questions. General questions about the firm:

The Law Offices of Robertson Wendt Media Kit: Frequently Asked Questions. General questions about the firm: The Law Offices of Robertson Wendt Media Kit: Frequently Asked Questions General questions about the firm: What is the firm s main practice area? The Law Offices of Robertson Wendt focus on disability

More information

SOCIAL SECURITY BENEFITS PLANNING

SOCIAL SECURITY BENEFITS PLANNING SOCIAL SECURITY BENEFITS PLANNING Who needs benefits counseling? In order to receive federal cash or medical benefits, a person must meet the Social Security Administration s definition of disability:

More information

HEARD & SMITH SOCIAL SECURITY DISABILITY GUIDEBOOK

HEARD & SMITH SOCIAL SECURITY DISABILITY GUIDEBOOK HEARD & SMITH SOCIAL SECURITY DISABILITY GUIDEBOOK Understanding Social Security Disability/SSI At Heard & Smith, we are dedicated to helping you win your Social Security Disability claim. We have had

More information

WORKERS COMPENSATION CASE EVALUATION & SETTLEMENT VALUATION REQUEST & WORKSHEET

WORKERS COMPENSATION CASE EVALUATION & SETTLEMENT VALUATION REQUEST & WORKSHEET WORKERS COMPENSATION CASE EVALUATION & SETTLEMENT VALUATION REQUEST & WORKSHEET Note: This worksheet requests important information necessary in order to provide an opinion as to the settlement value range

More information

61.14 Enforcement and modification of support, maintenance, or alimony agreements or orders.--

61.14 Enforcement and modification of support, maintenance, or alimony agreements or orders.-- Florida Statutes 61.14 Enforcement and modification of support, maintenance, or alimony agreements or orders.-- (1)(a) When the parties enter into an agreement for payments for, or instead of, support,

More information

SPECIAL REPORT: Veteran Pensions and Benefits

SPECIAL REPORT: Veteran Pensions and Benefits Call today: 757-399-7506 We help seniors and their families find the right options, support and services as they face complex issues involved with aging. SPECIAL REPORT: Veteran Pensions and Benefits VETERAN

More information

I HAVE LUPUS CAN I GET SOCIAL SECURITY DISABILITY BENEFITS?

I HAVE LUPUS CAN I GET SOCIAL SECURITY DISABILITY BENEFITS? SHARON A. CHRISTIE, ESQUIRE I HAVE LUPUS CAN I GET SOCIAL SECURITY DISABILITY BENEFITS? 2009-2015 Sharon A. Christie The Answer Is: IT DEPENDS The process is long and complicated You could be denied twice

More information

Understanding Social Security Disability (SSDI) and Supplemental Security Income (SSI): Revenue Impact

Understanding Social Security Disability (SSDI) and Supplemental Security Income (SSI): Revenue Impact Understanding Social Security Disability (SSDI) and Supplemental Security Income (SSI): Revenue Impact Jonathan Smelley ADR Designated Representative Disclaimer Please keep in mind, there are exceptions

More information

Captive Insurance Companies in Estate Planning: A Profit Maximization and Risk Reduction Tool

Captive Insurance Companies in Estate Planning: A Profit Maximization and Risk Reduction Tool Presenting a live 90-minute webinar with interactive Q&A Captive Insurance Companies in Estate Planning: A Profit Maximization and Risk Reduction Tool Leveraging the Benefits for Asset Protection, Wealth

More information

This chart accompanies Protection From Creditors for Retirement Plan Assets, in the January 2014 issue of The Tax Adviser.

This chart accompanies Protection From Creditors for Retirement Plan Assets, in the January 2014 issue of The Tax Adviser. This chart accompanies Protection From Creditors for Retirement Plan Assets, in the January 2014 issue of The Tax Adviser. State-by-state analysis of IRAs as exempt property State State Statute IRA Alabama

More information

Military Divorce: Dividing Military Retirement Benefits

Military Divorce: Dividing Military Retirement Benefits Presenting a live 90-minute webinar with interactive Q&A Military Divorce: Dividing Military Retirement Benefits Navigating Unique Rules for Pension Division and Survivor Annuity THURSDAY, SEPTEMBER 13,

More information

WINNING SOCIAL SECURITY DISABILITY BENEFITS: A STEP BY STEP BY STEP GUIDE TO UNDERSTANDING AND APPLYING FOR SOCIAL SECURITY DISABILITY BENEFITS

WINNING SOCIAL SECURITY DISABILITY BENEFITS: A STEP BY STEP BY STEP GUIDE TO UNDERSTANDING AND APPLYING FOR SOCIAL SECURITY DISABILITY BENEFITS WINNING SOCIAL SECURITY DISABILITY BENEFITS: A STEP BY STEP BY STEP GUIDE TO UNDERSTANDING AND APPLYING FOR SOCIAL SECURITY DISABILITY BENEFITS By ELLIOTT ANDALMAN, ESQ Foreword Here at Andalman & Flynn,

More information

ERISA Retirement Plans: Fiduciary Compliance and Risk Management for Investment Fund Selection and Fee Disclosures

ERISA Retirement Plans: Fiduciary Compliance and Risk Management for Investment Fund Selection and Fee Disclosures Presenting a live 90-minute webinar with interactive Q&A ERISA Retirement Plans: Fiduciary Compliance and Risk Management for Investment Fund Selection and Fee Disclosures Discharging Fiduciary Duties

More information

NEW YORK STATE DEPARTMENT OF TAXATION & FINANCE OFFICE OF REAL PROPERTY TAX SERVICES

NEW YORK STATE DEPARTMENT OF TAXATION & FINANCE OFFICE OF REAL PROPERTY TAX SERVICES NEW YORK STATE DEPARTMENT OF TAXATION & FINANCE OFFICE OF REAL PROPERTY TAX SERVICES RP-459-c (9/09) APPLICATION FOR PARTIAL TAX EXEMPTION FOR REAL PROPERTY OF PERSONS WITH DISABILITIES AND LIMITED INCOMES

More information

ESI Discovery in Federal Criminal Cases: Leveraging the New JETWG Recommendations

ESI Discovery in Federal Criminal Cases: Leveraging the New JETWG Recommendations Presenting a live 90-minute webinar with interactive Q&A ESI Discovery in Federal Criminal Cases: Leveraging the New JETWG Recommendations THURSDAY, APRIL 26, 2012 1pm Eastern 12pm Central 11am Mountain

More information

United States Railroad Retirement Board Office of General Counsel ATTORNEY S GUIDE TO THE PARTITION OF RAILROAD RETIREMENT ANNUITIES

United States Railroad Retirement Board Office of General Counsel ATTORNEY S GUIDE TO THE PARTITION OF RAILROAD RETIREMENT ANNUITIES United States Railroad Retirement Board Office of General Counsel ATTORNEY S GUIDE TO THE PARTITION OF RAILROAD RETIREMENT ANNUITIES November 2011 U. S. Railroad Retirement Board Office of General Counsel

More information

SOCIAL SECURITY OFFSET REQUEST & WORKSHEET

SOCIAL SECURITY OFFSET REQUEST & WORKSHEET SOCIAL SECURITY OFFSET REQUEST & WORKSHEET Note: This worksheet requests important information necessary in order to provide properly calculate what the potential Social Security offset, if any, would

More information

Long-Term Disability Insurance Reference Guide

Long-Term Disability Insurance Reference Guide Long-Term Disability Insurance Reference Guide ET-5109 (Created 02/2012) ii Table of Contents General Information... 1 Disability Benefits and Dates of Employment... 1 Definitions... 1 Eligibility Requirements

More information

What you need to know about Social Security.

What you need to know about Social Security. What you need to know about Social Security. Social Security is an important piece of many American s retirement income, but it was only designed to replace a portion of your income and survivor needs.

More information

Negotiating EHR Agreements: Complying with HIPAA, Stark and AKS, Overcoming Privacy and Security Risks

Negotiating EHR Agreements: Complying with HIPAA, Stark and AKS, Overcoming Privacy and Security Risks Presenting a live 90-minute webinar with interactive Q&A Negotiating EHR Agreements: Complying with HIPAA, Stark and AKS, Overcoming Privacy and Security Risks Acquiring an EHR and Meeting Incentive Program

More information

UNDERSTANDING EXPEDITED REINSTATEMENT

UNDERSTANDING EXPEDITED REINSTATEMENT UNDERSTANDING EXPEDITED REINSTATEMENT FEBRUARY 2008 Introduction The Ticket to Work and Work Incentives Improvement Act (TWWIIA) of 1999 created an important work incentive called Expedited Reinstatement

More information

Disability within the Social Security System: An Overview of Law, Procedure, and Advocacy

Disability within the Social Security System: An Overview of Law, Procedure, and Advocacy 3 Disability within the Social Security System: An Overview of Law, Procedure, and Advocacy Jane Wettach & Allison Rice Revised January 2015 A disabled person in the United States may be able to obtain

More information

Social Security and Other Benefit Programs

Social Security and Other Benefit Programs Social Security and Other Benefit Programs Chapter There are several benefits programs available to people over certain ages, their spouses, and their dependents. This chapter will discuss eligibility

More information

M&A Purchase Price Adjustment Clauses

M&A Purchase Price Adjustment Clauses Presenting a live 90-minute webinar with interactive Q&A M&A Purchase Price Adjustment Clauses Crafting Provisions to Mitigate Buyers' Financial Risks and Achieve Fair Compensation for Sellers THURSDAY,

More information

Managing Sales Tax Data: Streamlining Internal Controls to Maximize Compliance Efficiency

Managing Sales Tax Data: Streamlining Internal Controls to Maximize Compliance Efficiency Presenting a live 110-minute teleconference with interactive Q&A Managing Sales Tax Data: Streamlining Internal Controls to Maximize Compliance Efficiency THURSDAY, FEBRUARY 20, 2014 1pm Eastern 12pm Central

More information

Glossary of SSA Disability Programs and Related Terms

Glossary of SSA Disability Programs and Related Terms Glossary of SSA Disability Programs and Related Terms A D V A N C I N G T H E W O R L D O F W O R K N O V E M B E R 2 0 0 7 Age 18 Re-determination (SSI): Any person who was found eligible for SSI as a

More information

Frequently Asked Questions about Taxes and SSA Disability Benefit Programs

Frequently Asked Questions about Taxes and SSA Disability Benefit Programs Frequently Asked Questions about Taxes and SSA Disability Benefit Programs January 2011 Contributing Authors and Editors: Jim Huston, CPA (Venture Mentors, LLC) and Lucy Miller QUESTION: I have been getting

More information

PPD Benefits by State

PPD Benefits by State PPD Benefits by State Michigan State University, 2008 A Caution about These Summaries We will list below summaries of how permanent partial benefits are paid in each state. We caution that these are intended

More information

BRIEF FRAMEWORK AND BACKGROUND T2 & T16 OBJECTIVE

BRIEF FRAMEWORK AND BACKGROUND T2 & T16 OBJECTIVE Social Security Disability Reference Material Section 202 of the Social Security Act (42 U.S.C. 402) Section 223 of the Social Security Act (42 U.S.C. 423) Section 1602 and 1614 of the Social Security

More information

What You Should Know About Social Security Disability Insurance and Medicare

What You Should Know About Social Security Disability Insurance and Medicare Welcome and Introduction 1 What You Should Know About Social Security Disability Insurance and Medicare Presented by Tai Venuti, Allsup manager of Strategic Alliances Julie Bannester, Center for Medicare

More information

FIRST NAME, MIDDLE INITIAL, LAST NAME

FIRST NAME, MIDDLE INITIAL, LAST NAME SOCIAL SECURITY ADMINISTRATION TEL TOE 120/145 APPLICATION FOR DISABILITY INSURANCE BENEFITS Form Approved OMB. 0960-0060 (Do not write in this space) I apply for a period of disability and/or all insurance

More information

If you have been involved in a work-related accident, there are a lot of things that you absolutely need to know.

If you have been involved in a work-related accident, there are a lot of things that you absolutely need to know. WORK-RELATED INJURIES SPECIAL REPORT Dear Friend: If you have been involved in a work-related accident, there are a lot of things that you absolutely need to know. Workers compensation is a statutory right

More information

IN THE COURT OF APPEALS OF INDIANA

IN THE COURT OF APPEALS OF INDIANA Pursuant to Ind.Appellate Rule 65(D, this Memorandum Decision shall not be regarded as precedent or cited before any court except for the purpose of establishing the defense of res judicata, collateral

More information

10 steps. to prepare for your Social Security disability hearing. By Gordon Gates

10 steps. to prepare for your Social Security disability hearing. By Gordon Gates 10 steps to prepare for your Social Security disability hearing By Gordon Gates Law Offices of Gordon Gates Serving Maine and New Hampshire 110 Main St., Suite 1404 Saco, Maine 04072 (207) 284-9999 gordon.gates@gmail.com

More information

Basic Guide to Divorce/Legal Separation

Basic Guide to Divorce/Legal Separation Basic Guide to Divorce/Legal Separation Table of Contents 1. Basic Steps for Getting a Divorce or Legal Separation 2. Important Court Related Offices and Services 3. Legal Issues to Consider 4. County

More information

STATE EMPLOYEES RETIREMENT SYSTEM - DEFINED BENEFIT PLANS -

STATE EMPLOYEES RETIREMENT SYSTEM - DEFINED BENEFIT PLANS - STATE EMPLOYEES RETIREMENT SYSTEM - DEFINED BENEFIT PLANS - PROCEDURES AND GUIDELINES FOR DETERMINING QUALIFIED STATUS OF A DOMESTIC RELATIONS ORDER I. INTRODUCTION The State Employees Retirement System

More information

Unemployment, welfare, and Social Security Disability/SSI benefits: How they affect one another

Unemployment, welfare, and Social Security Disability/SSI benefits: How they affect one another Originally published as: Liebkemann, K., & Cebula, R. (2006, December) Unemployment, welfare, and Social Security Disability/SSI benefits: How they affect one. Looking out for Your Legal Rights: New Jersey

More information

TORT CLAIMS, SOCIAL SECURITY AND OTHER NON- EARNED INCOME

TORT CLAIMS, SOCIAL SECURITY AND OTHER NON- EARNED INCOME TORT CLAIMS, SOCIAL SECURITY AND OTHER NON- EARNED INCOME Barry M. Barnett LaCroix, Levy & Barnett, LLC Alexandria, LA TORT CLAIMS The proceeds of a tort claim or lawsuit are always subject to seizure,

More information

Social Security Reference Guide

Social Security Reference Guide Social Security Reference Guide TABLE OF CONTENTS Important Ages... 1 Full Retirement Age (FRA)... 1 Milestone Ages... 1 Retirement Benefits... 2 Requirements to Qualify for Social Security Retirement

More information

Presenting a live 90-minute webinar with interactive Q&A. Today s faculty features: Dean C. Berry, Partner, Cadwalader Wickersham & Taft, New York

Presenting a live 90-minute webinar with interactive Q&A. Today s faculty features: Dean C. Berry, Partner, Cadwalader Wickersham & Taft, New York Presenting a live 90-minute webinar with interactive Q&A Estate Planning Involving Resident and Non-Resident Aliens Navigating Estate, Gift and GST Tax Rules, and Leveraging Estate and Lifetime Gifting

More information

Understanding the Social Security Application and Appeals Process for Individuals with Brain Injury and Service Members with Disabilities

Understanding the Social Security Application and Appeals Process for Individuals with Brain Injury and Service Members with Disabilities Understanding the Social Security Application and Appeals Process for Individuals with Brain Injury and Service Members with Disabilities In Collaboration with Understanding the Social Security Application

More information

Sales Tax Audits in the Era of Digital Documentation Preparing for a Computer-Based Review Involving Electronic Invoices, Bills of Lading, Etc.

Sales Tax Audits in the Era of Digital Documentation Preparing for a Computer-Based Review Involving Electronic Invoices, Bills of Lading, Etc. Presenting a live 110-minute teleconference with interactive Q&A Sales Tax Audits in the Era of Digital Documentation Preparing for a Computer-Based Review Involving Electronic Invoices, Bills of Lading,

More information

Social Security/SSI Overpayments & Waivers Toolkit

Social Security/SSI Overpayments & Waivers Toolkit Social Security/SSI Overpayments & Waivers Toolkit This material was made possible by the support of Philadelphia Corporation for Aging (PCA). For more information about PCA, please visit pcacares.org.

More information

M&A Auctions: Successful Bidding Strategies

M&A Auctions: Successful Bidding Strategies Presenting a live 90-minute webinar with interactive Q&A M&A Auctions: Successful Bidding Strategies Planning and Executing Winning Bids, Minimizing Costs of Losing Bids THURSDAY, JANUARY 8, 2015 1pm Eastern

More information

Special Report. Public Benefits and Matrimonial Settlements. Case Study 1: Disabled spouse no public benefits

Special Report. Public Benefits and Matrimonial Settlements. Case Study 1: Disabled spouse no public benefits Special Report Public Benefits and Matrimonial Settlements Case Study 1: Disabled spouse no public benefits Bill and Linda are in the their mid-30s and have decided to divorce. Linda has Multiple Sclerosis

More information

PURSUANT TO INTERNAL REVENUE CODE SECTION 7463(b),THIS OPINION MAY NOT BE TREATED AS PRECEDENT FOR ANY OTHER CASE.

PURSUANT TO INTERNAL REVENUE CODE SECTION 7463(b),THIS OPINION MAY NOT BE TREATED AS PRECEDENT FOR ANY OTHER CASE. PURSUANT TO INTERNAL REVENUE CODE SECTION 7463(b),THIS OPINION MAY NOT BE TREATED AS PRECEDENT FOR ANY OTHER CASE. T.C. Summary Opinion 2007-137 UNITED STATES TAX COURT MICHELE K. GARNER AND ROGER ALLEN

More information

The importance of choosing a child centered attorney to represent you in the divorce process cannot be emphasized enough.

The importance of choosing a child centered attorney to represent you in the divorce process cannot be emphasized enough. Divorce - Zamani and Associates, PLLC - Adoption, Assisted Reproductive Technology, Custody, Collabo The importance of choosing a child centered attorney to represent you in the divorce process cannot

More information

WASHINGTON STATE DEPARTMENT OF RETIREMENT SYSTEMS

WASHINGTON STATE DEPARTMENT OF RETIREMENT SYSTEMS Plan TRS 1 Disability Benefits for members of the Teachers Retirement System (TRS) Plan1 If you are a member of TRS Plan 1 and you become disabled, you may be entitled to disability benefits. This publication

More information

The Nuts and Bolts of Divorce

The Nuts and Bolts of Divorce The Nuts and Bolts of Divorce Many young attorneys who are looking to establish their own clientele will find opportunities to represent a client in a divorce. Even if you do not have any desire to handle

More information

WORKERS COMPENSATION SETTLEMENT DOCUMENT REQUEST WORKSHEET

WORKERS COMPENSATION SETTLEMENT DOCUMENT REQUEST WORKSHEET WORKERS COMPENSATION SETTLEMENT DOCUMENT REQUEST WORKSHEET This worksheet supplies important information necessary for the proper preparation of workers compensation settlement documents including evaluation

More information

Child Support Computation for Period Prior to July 1, 2009

Child Support Computation for Period Prior to July 1, 2009 Child Support Computation for Period Prior to July 1, 2009 03EN005I Purpose of form The purpose of Form 03EN005E, Child Support Computation for Period Prior to July 1, 2009, is to calculate judgments in

More information

Frequent Post-Decree Problems Specific to Families That Have Children with Special Needs

Frequent Post-Decree Problems Specific to Families That Have Children with Special Needs Frequent Post-Decree Problems Specific to Families That Have Children with Special Needs By: Amy Dawson, Esq. of the Autism Advocacy & Law Center, LLC Introduction Chances are that you have handled a case

More information

Social Security. Disability Benefits.

Social Security. Disability Benefits. Social Security Disability Benefits www.ssa.gov Who Should Read This Booklet? You should, if you want to know more about the various kinds of disability benefits available from Social Security. This booklet

More information

Social Security Disability Benefits and Application Process

Social Security Disability Benefits and Application Process Social Security Disability Benefits and Application Process 1 Social Security Disability Programs Social Security Disability Benefits Disabled Adult Child Benefits Disabled Widow(er) Benefits Supplemental

More information

PART TWO STATE DIVORCE LAW AND YOUR PENSION RIGHTS: QUESTIONS YOU NEED TO ANSWER

PART TWO STATE DIVORCE LAW AND YOUR PENSION RIGHTS: QUESTIONS YOU NEED TO ANSWER PART TWO STATE DIVORCE LAW AND YOUR PENSION RIGHTS: QUESTIONS YOU NEED TO ANSWER Introduction. 15 Marital Property Versus Alimony. 16 Does Your State Law Treat Pensions As Marital Property? 16 Disability

More information

DISCHARGE APPLICATION: TOTAL AND PERMANENT DISABILITY IMPORTANT INFORMATION William D. Ford Federal Direct Loan Program

DISCHARGE APPLICATION: TOTAL AND PERMANENT DISABILITY IMPORTANT INFORMATION William D. Ford Federal Direct Loan Program OMB No. 1845-0065 Fo rm Ap pro ved Exp. Date 6/30/2016 DISCHARGE APPLICATION: TOTAL AND PERMANENT DISABILITY IMPORTANT INFORMATION William D. Ford Federal Direct Loan Program TPD- APP Federal Family Education

More information

Structuring Managed Care Contracts: Medicare and Medicaid Considerations for Providers

Structuring Managed Care Contracts: Medicare and Medicaid Considerations for Providers Presenting a live 90-minute webinar with interactive Q&A Structuring Managed Care Contracts: Medicare and Medicaid Considerations for Providers Navigating Reimbursement and Delegation Challenges, Negotiating

More information

Structuring Covenants in Leveraged Loans and High Yield Bonds for Borrowers and Lenders

Structuring Covenants in Leveraged Loans and High Yield Bonds for Borrowers and Lenders Presenting a live 90-minute webinar with interactive Q&A Structuring Covenants in Leveraged Loans and High Yield Bonds for Borrowers and Lenders Analyzing Financial and Performance Covenants, Equity Cures,

More information

Long Term Disability Insurance Benefits Guide

Long Term Disability Insurance Benefits Guide THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK Long Term Disability Insurance Benefits Guide For The Employees of The State University of New York Answers to your questions about coverage from The Standard

More information

DIVORCE PACKET IMPORTANT!!!

DIVORCE PACKET IMPORTANT!!! DIVORCE PACKET IMPORTANT!!! 1. YOU ARE RESPONSIBLE FOR SERVICE of the Complaint! You MUST send a copy of the Divorce Complaint to the Defendant by CERTIFIED MAIL, RETURN RECEIPT REQUESTED, TO BE SIGNED

More information

FAMILY LAW DIVORCE AND DISSOLUTION ALIMONY, MAINTENANCE, AND OTHER SPOUSAL SUPPORT (STATUTES) Thomson Reuters/West August 2010

FAMILY LAW DIVORCE AND DISSOLUTION ALIMONY, MAINTENANCE, AND OTHER SPOUSAL SUPPORT (STATUTES) Thomson Reuters/West August 2010 FAMILY LAW DIVORCE AND DISSOLUTION ALIMONY, MAINTENANCE, AND OTHER SPOUSAL SUPPORT (STATUTES) Thomson Reuters/West August 2010 All states and jurisdictions have enacted statutes regarding the provision

More information

Presenting a live 90-minute webinar with interactive Q&A. Today s faculty features:

Presenting a live 90-minute webinar with interactive Q&A. Today s faculty features: Presenting a live 90-minute webinar with interactive Q&A Drafting and Negotiating Convertible Preferred Stock Provisions: Protecting Interests of Businesses and Investors Structuring Liquidation and Distribution

More information

A QUICK AND EASY GUIDE TO SSI AND SSDI

A QUICK AND EASY GUIDE TO SSI AND SSDI A QUICK AND EASY GUIDE TO SSI AND SSDI Independent Living Resource Center San Francisco 649 Mission Street, 3rd Floor San Francisco, CA 94105-4128 (415) 543-6222 (415) 543-6318 Fax (415) 543-6698 TTY only

More information

Act Now! GIVE YOUR FAMILY PEAK PROTECTION. Group Long Term Disability Insurance Conversion Plan Kit

Act Now! GIVE YOUR FAMILY PEAK PROTECTION. Group Long Term Disability Insurance Conversion Plan Kit Act Now! You must apply within 60 days of termination. GIVE YOUR FAMILY PEAK PROTECTION Group Long Term Disability Insurance Conversion Plan Kit Customer Service Center 888-262-6873 Monday through Friday

More information

This opinion will be unpublished and may not be cited except as provided by Minn. Stat. 480A.08, subd. 3 (2006).

This opinion will be unpublished and may not be cited except as provided by Minn. Stat. 480A.08, subd. 3 (2006). This opinion will be unpublished and may not be cited except as provided by Minn. Stat. 480A.08, subd. 3 (2006). STATE OF MINNESOTA IN COURT OF APPEALS A07-763 In re the Marriage of: Jacci Kay Lynch, petitioner,

More information

Summary Plan Description. ExxonMobil Family Adjustment Plan ExxonMobil Family Income Plan ExxonMobil Contributory Group Life Insurance Plan

Summary Plan Description. ExxonMobil Family Adjustment Plan ExxonMobil Family Income Plan ExxonMobil Contributory Group Life Insurance Plan Summary Plan Description ExxonMobil Family Adjustment Plan ExxonMobil Family Income Plan ExxonMobil Contributory Group Life Insurance Plan January 2015 About the Plans This Summary Plan Description (SPD)

More information

(In effect as of January 1, 2003*) TABLE 17. OFFSET PROVISIONS IN STATE WORKERS' COMPENSATION LAWS

(In effect as of January 1, 2003*) TABLE 17. OFFSET PROVISIONS IN STATE WORKERS' COMPENSATION LAWS (In effect as of January 1, 2003*) TABLE 17. OFFSET PROVISIONS IN STATE WORKERS' COMPENSATION LAWS ALASKA Section 23.30.225(a)--When periodic retirement of survivors' benefits are payable under Title II

More information

Making it happen SUPPLEMENTAL SECURITY INCOME (SSI) BENEFITS FOR CHILDREN

Making it happen SUPPLEMENTAL SECURITY INCOME (SSI) BENEFITS FOR CHILDREN Making it happen SUPPLEMENTAL SECURITY INCOME (SSI) BENEFITS FOR CHILDREN SECTION 1 SECTION 2 Introduction...1 What Are Supplemental Security Income (SSI) Benefits?...2 Who is Eligible for SSI Benefits?...2

More information

Model Regulation Service April 2005 GUIDELINES ON CORPORATE OWNED LIFE INSURANCE

Model Regulation Service April 2005 GUIDELINES ON CORPORATE OWNED LIFE INSURANCE Model Regulation Service April 2005 Corporate Owned Life Insurance (COLI) is life insurance a corporate employer buys covering one or more employees. With COLI, the employer is generally the applicant,

More information