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Old 08-10-2019, 03:40 PM
 
Location: Right here; Right now
9,008 posts, read 4,504,251 times
Reputation: 1433

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Quote:
Originally Posted by cvap View Post
Ellis,
You can't opt out of many insurances if you want to drive or borrow money for a home. You can't get those premiums back unless your claim is legit. They have people to make sure the claim is legit. SSD claims have lawyers hounding you for your case.
And a lot of people on disability have to (that was the first search that came up in my google, lawyer website) secure a lawyer to get their money. But the difference is ... the government did not come into your life and borrow money for your home in your name.

A person had a choice whether or not to rent or be a home owner. A person does not have to have a car, either. They have a choice and it is their idea to do what they do; on the other hand ...

The person did not have a choice to pay into the government program. That gets deducted whether you want them to or not. Then you go to collect, they tell you, you have to qualify for your money. Did they have to qualify to take it to begin with? No. They just take it and then you play hell getting it back.

So if those people have figured it out --- my hat is off to them.
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Old 08-10-2019, 03:52 PM
 
Location: Suburb of Chicago
21,313 posts, read 10,278,979 times
Reputation: 20537
Quote:
Originally Posted by cvap View Post
If someone is a carpenter, has over 2 million in liquid assets, no debt on a home, wife is making 6 figures, collecting rent of over 10k /mo on owned properties, gets a hip done at 58 and collects 2800/month disability, Is the disability unethical or am I just jealous? If he can't do his job anymore, but still maintains his rentals, drags deer out of the woods, etc. etc.,.shouldn't he get a job as an estimator or something?
If you pay into a fund, it doesn't matter what your financial wealth is, you get to claim disability.

You then add a few physical things he could be doing, but it's possible he just can't get work at 58.

Are you a middle child?

MYOB, cvap!
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Old 08-10-2019, 04:15 PM
 
Location: NY
4,104 posts, read 1,061,689 times
Reputation: 2433
Well I worked almost 40 and collected an early pension while a co-worker worked 20 years,
smoked his entire life,continues to smoke, had valves and 4 bypasses while employed,
finally put in his papers, receives SS disability,waiting on a comp award, is collecting $15,000
per month and is now smiling ear to ear. Fair ? Absolutely not... Heck...Heck....No!
For all its worth. What makes me sleep good at night is that I am proud I retired standing on my
own 2 feet, thank and praise God daily for my continued health , a loving family and not having to
worry about Karma knocking on my door.
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Old 08-11-2019, 04:46 AM
 
380 posts, read 463,628 times
Reputation: 501
We have to start somewhere and fraud is as good a place as any. In 2008 I was hit by a tree at work, a serious injury. I took 12 weeks off, came back and they made me an operator because I couldn't keep up with everyone else. Eventually, I got back out there working hard. The requirements for being disabled must be stiffened. If you can't do your previous job, your not bed ridden or retarded, go get another one.
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Old 08-11-2019, 05:16 AM
 
Location: Northern NJ/Amagansett, NY
11,185 posts, read 10,297,754 times
Reputation: 7896
Quote:
Originally Posted by cvap View Post
We have to start somewhere and fraud is as good a place as any. In 2008 I was hit by a tree at work, a serious injury. I took 12 weeks off, came back and they made me an operator because I couldn't keep up with everyone else. Eventually, I got back out there working hard. The requirements for being disabled must be stiffened. If you can't do your previous job, your not bed ridden or retarded, go get another one.
The way private disability insurance works, at least for physicians, is that you can get two different types of plans.

In the less expensive plan, if you can work doing something else, your salary is subtracted from your disability payment. So at least you know that if you have to go work, say, as a teacher or something, you will still be able to afford to keep what you have now.

But even that less expensive option, does not hold investment income against you. The policy strictly applies to work income.

Then there is the more expensive, ďOwn OccupationĒ policy.

With this policy, if you canít work in your own occupation, you get the payment no matter what. You could become a Wall Street consultant at $2M a year, and the insurance still has to pay.

From what you are saying, it sounds like SS disability pays out like the most expensive private disability plan?
Thankfully, I have never had to look into it.



Also, how come you know so much about this personís personal finances?

I donít know about you, but I keep that stuff private, and figured most others do as well.
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Old 08-11-2019, 07:27 AM
 
Location: Texas
88 posts, read 17,672 times
Reputation: 140
Quote:
Originally Posted by cvap View Post
We have to start somewhere and fraud is as good a place as any. In 2008 I was hit by a tree at work, a serious injury. I took 12 weeks off, came back and they made me an operator because I couldn't keep up with everyone else. Eventually, I got back out there working hard. The requirements for being disabled must be stiffened. If you can't do your previous job, your not bed ridden or retarded, go get another one.
Goodness, your jealousy is causing you to be all over the road, and you likely donít know all the facts involving his situation. You started this by posing it as an ethical question, now fraud and redefining what is considered disabled. And just because he can drag deer out of the woods on his good days, doesnít mean he isnít suffering other days of the week.

The fact is almost 70% of initial SSDI claims are denied. Over 80% of appeals are denied. The person in your story obviously has a medical condition meeting the requirements to receive SSDI. As others have said, his assets and wifeís income are irrelevant, you should find something else to be outraged about.
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Old 08-11-2019, 09:54 AM
 
877 posts, read 277,155 times
Reputation: 402
Quote:
Originally Posted by cvap View Post
If someone is a carpenter, has over 2 million in liquid assets, no debt on a home, wife is making 6 figures, collecting rent of over 10k /mo on owned properties, gets a hip done at 58 and collects 2800/month disability, Is the disability unethical or am I just jealous? If he can't do his job anymore, but still maintains his rentals, drags deer out of the woods, etc. etc.,.shouldn't he get a job as an estimator or something?
life is NOT fair..there should be some sort of means testing to extend benefits to those who have nothing at all..i know of people who do similar and funny thing is they are ALL against that commie socialism lol
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Old 08-11-2019, 10:16 AM
 
Location: North Carolina
3,440 posts, read 2,369,225 times
Reputation: 4553
The government, money and ethics. Never ends well.
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Old 08-15-2019, 11:29 AM
 
380 posts, read 463,628 times
Reputation: 501
Quote:
Originally Posted by GreenBouy View Post
Goodness, your jealousy is causing you to be all over the road, and you likely donít know all the facts involving his situation. You started this by posing it as an ethical question, now fraud and redefining what is considered disabled. And just because he can drag deer out of the woods on his good days, doesnít mean he isnít suffering other days of the week.

The fact is almost 70% of initial SSDI claims are denied. Over 80% of appeals are denied. The person in your story obviously has a medical condition meeting the requirements to receive SSDI. As others have said, his assets and wifeís income are irrelevant, you should find something else to be outraged about.





It's unethical because it's legal, it's fraud in my mind because it shouldn't be legal. I doubt 80% of appeals get denied. Anyone who thinks any type of social spending ever did the person receiving it any good is living in a dream world.
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Old 08-15-2019, 11:47 AM
 
Location: SGV
25,224 posts, read 9,840,022 times
Reputation: 9829
Quote:
Originally Posted by Ellis Bell View Post
And a lot of people on disability have to (that was the first search that came up in my google, lawyer website) secure a lawyer to get their money. But the difference is ... the government did not come into your life and borrow money for your home in your name.

A person had a choice whether or not to rent or be a home owner. A person does not have to have a car, either. They have a choice and it is their idea to do what they do; on the other hand ...

The person did not have a choice to pay into the government program. That gets deducted whether you want them to or not. Then you go to collect, they tell you, you have to qualify for your money. Did they have to qualify to take it to begin with? No. They just take it and then you play hell getting it back.

So if those people have figured it out --- my hat is off to them.
Preach.

/end thread
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