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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.
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.
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.
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.
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, “Own Occupation” policy.
With this policy, if you can’t 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 person’s personal finances?
I don’t know about you, but I keep that stuff private, and figured most others do as well.
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 don’t 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, doesn’t mean he isn’t 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 wife’s income are irrelevant, you should find something else to be outraged about.
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
Goodness, your jealousy is causing you to be all over the road, and you likely don’t 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, doesn’t mean he isn’t 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 wife’s 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.
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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