Posts Tagged ‘health benefits’
Tuesday, November 9th, 2010
Having health insurance that you understand can be quite a challenge, but no one is going to turn down this benefit when it’s offered to them, yet that is exactly what is happening when you don’t understand your benefits and use those benefits you deserve.
If you are in that struggle of benefits covered and paid for vs. the payout of money from you to doctors and insurance premiums then you are not alone. At Social Service Coordinators, Inc. they want to break the uncomfortable cycle associated with health care insurance for you by providing direction to ensure every eligible person receives the social program benefits to which she or he is entitled. Social Service Coordinators, Inc, (SSC) is a private social service organization that contracts with Medicare Advantage Organizations to provide free education and assistance to enroll individuals into an array of federal, state and local social programs.
You can now schedule regular appointments with your favorite doctor and get routine check-ups for prescriptions of therapy and know you are in good hands which will allow you to live much longer than those in past years. However with all these doctors’ visit and medication should you need it comes a cost. Wouldn’t it be nice to have someone like (SSC) on your side to make sure all this is paid for under you health care plan?!
SSC aids tens of thousands of older adults and disabled individuals every year through applications for Medicare Savings Programs (MSPs), Extra Help (Low Income Subsidy) and other community assistance programs. However not enough people are getting the benefits they deserve. Rates of enrollment in the MSPs are well below those of other means-tested benefit programs. The Congressional Budget Office estimates that only 33 percent of eligible people are participating in the Qualified Medicare Beneficiary (QMB) program, and that the participation rate in the Specified Low-Income Medicare Beneficiary (SLMB) program is only 13 percent (these figures exclude people who are eligible for full Medicaid benefits). In comparison, participation rates are estimated to be 75 percent in the earned income tax credit, 66 percent to 73 percent for Supplemental Security Income, and 66 percent to 70 percent for Medicaid (as per the National Council on Aging).
At Social Service Coordinators, Inc. they are trying to reach you through phone calls as only 79% of non-enrolled people have ever heard of the Medicare Savings Programs, and those that have heard about these services don’t know how to go about the process of filling out the proper applications. There are also many individuals that are hard to reach due to lack of communication skills or fear of divulging too much information to the wrong person. It’s no wonder potential beneficiaries do not apply and fatigue, headache, and exhaustion set-in, the system seems overwhelming.
It might sound too good however is it not your turn to be taken care of, don’t you deserve after all these years of working to have the benefits you deserve working for you? Well there is an advocate that will navigate you through the health care small print, helping you receive the benefits you are qualified for. All you need to do is call Toll Free #1-888-528-9488, or visit the website at http://www.sscincorporated.com and get started today!
Looking to find the best deal on medicare coverage, then visit www.sscincorporated.com.
Tags: disabled, federal programs, health benefits, health insurance, insurance, local social programs, low income, medicaid, medicare, medicare premium, medicare savings programs, social servicec oordinators, sscincorporated, state programs, working individual
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Sunday, July 5th, 2009
by Brian Johnson
Aid and Attendance is a frequently used phrase used to describe a benefit that might be available to a veteran as part of the VA’s disability pension, or to the surviving spouse of a Veteran as part of the VA’s death pension - as long as the veterans served at least 90 days of active duty and at least one of those days was served during war time.
As part of the Veterans Administration’s Pension program, the VA offers additional income for veterans and their surviving spouses who are eligible for the VA’s base pension, but who also either demonstrate a regular need for the aid and attendance of a caregiver or are what the VA refers to as housebound.
The Pension benefit is a monthly income for disabled or older veterans who have a low income. Pension is for veterans who served during a period of war and who may have disabilities that are not connected to their active-duty service. Unlike Compensation, Pension is based on the veteran’s financial picture including household income, as well as assets. When determining eligibility, the claimant’s income can be adjusted for un-reimbursed medical expenses. If the veteran’s net income after un-reimbursed medical expenses exceeds the Pension amount, then there is no award.
For 2009 the maximum annual benefit for those qualifying for the Aid & Attendance level of pension is:
Surviving Spouse of a Veteran: $12,681
Veteran with no Spouse or dependent children: $19,736
A married Veteran where the Veteran requires care: $23,396
If the Veteran is healthy, but their Spouse requires care, then the Veteran qualifies for a regular pension only: $15,493
From here, a veteran and/or their spouse is able to receive assistance with everyday tasks and it will be paid for. These tasks include simple things such as bathing, taking care of nature when it calls, assistance with food and eating, assistance with getting dressed and undressed, and any other activities that need to be taken care of. Nursing home care is also paid for when the veteran and/or surviving spouse is mentally or physically incapacitated.
The VA Aid and Attendance benefit program is an amazing program that, unfortuneately, isn’t as well known as it should be. The fact that it gives veterans the hope of a dignified existence that otherwise wouldn’t be available is reason enough to make sure all veterans are aware that it exists. Qualifying for the benefit isn’t hard, and with the help of qualified professionals, it can be a painless and simple process.
About the Author:
For more details on the Veterans Adminstration Aid and Attendance benefit program and how you can make sure your veteran loved ones are taken care of, please visit Veteran’s Financial for more details and your free, no-cost, no-obligation Aid and Attendance eligibility assessment consultation.
Tags: aid and attendance, elder care, health benefits, health insurance, in-home care, long term care, nursing homes, va pensions, va programs, veterans administration benefits, veterans affairs, veterans benefits, veterans pension benefits
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Friday, July 3rd, 2009
by Brian Johnson
Aid and Attendance is a frequently used phrase used to describe a benefit that might be available to a veteran as part of the VA’s disability pension, or to the surviving spouse of a Veteran as part of the VA’s death pension - as long as the veterans served at least 90 days of active duty and at least one of those days was served during war time.
“Aid and Attendance” refers to the fact that for this particular pension benefit, the claimant must demonstrate a regular need for the aid and attendance of a caregiver or the need to live in a protected environment because of physical or mental impairment. If the veteran does not require aid and attendance, but has a low household income, they may be eligible for a base pension of a lesser dollar amount.
You already know that you have to be a war-time veteran who served at least 90 days with one of those days being during a war. So if youre a war-time veteran, the requirements are not extremely strict in that area. The rest comes in the way of verifying that you have a medical condition that requires you to have help within the home. You also have to prove that your income is low enough by providing information on all of your income sources.
For 2009 the maximum annual benefit for those qualifying for the Aid & Attendance level of pension is:
Surviving Spouse of a Veteran: $12,681
Veteran with no Spouse or dependent children: $19,736
A married Veteran where the Veteran requires care: $23,396
If the Veteran is healthy, but their Spouse requires care, then the Veteran qualifies for a regular pension only: $15,493
The ultimate purpose of the Aid & Attendance pension benefit is to provide veterans or their surviving spouses with additional resources so that they can afford care in their time of need.
The VA Aid and Attendance benefit program is an amazing program that, unfortuneately, isn’t as well known as it should be. The fact that it gives veterans the hope of a dignified existence that otherwise wouldn’t be available is reason enough to make sure all veterans are aware that it exists. Qualifying for the benefit isn’t hard, and with the help of qualified professionals, it can be a painless and simple process.
About the Author:
For more information on the Veterans Adminstration Aid and Attendance benefits program and how you can make sure your veteran loved ones are taken care of, please visit Veteran’s Financial for more details and your free, no-cost, no-obligation Aid and Attendance eligibility assessment consultation.
Tags: aid and attendance, elder care, health benefits, health insurance, in-home care, long term care, nursing homes, va pensions, va programs, veterans administration benefits, veterans affairs, veterans benefits, veterans pension benefits
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