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Archive for the ‘Disability’ Category

Steve is out of town and John Ramos will be the group facilitator  

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 WHAT ARE YOUR HEALTH CARE PREMIUMS? 

FINDING HEALTH CARE INSURANCE

(Especially with HIV)

 

Our topic this week is obtaining medical health care insurance. We have an expert guest speaker, Clifton W. Eserman, who will provide a wide range of options, plans and assistance programs available. This will be a comprehensive topic discussion.

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Cliff has 20 years of experience in medical health care consulting. He owns a company located in Wilton Manors. Cliff has been the health insurance expert speaker at the Department of Health’s Men’s Wellness Conference and has been a consumer’s guardian advocate for participants under the ADAP program which has resulted in significant reforms for the betterment of consumer’s choices.

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1757E540-450E-4BEB-A038-B6688A0904FF

  1. Clifton W. Eserman, PHIAS® HIA®

    Specializing in ACA (Affordable Care Act). ON/OFF Exchange & Medicare Supplements, MA (HMO / PPO / RPPO), & Specialty SNP MA Plans

 

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Print

 

Print

    www.incompasinsurance.com

 

 

 

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Steve is out of town and John Ramos will be the group facilitator  

.

 

HOW & WHERE TO FIND

HEALTH CARE INSURANCE

(Especially with HIV)

 

Our topic this week is obtaining medical health care insurance. We have an expert guest speaker, Clifton W. Eserman, who will provide a wide range of options, plans and assistance programs available. This will be a comprehensive topic discussion.

.

Cliff has 20 years of experience in medical health care consulting. He owns a company located in Wilton Manors. Cliff has been the health insurance expert speaker at the Department of Health’s Men’s Wellness Conference and has been a consumer’s guardian advocate for participants under the ADAP program which has resulted in significant reforms for the betterment of consumer’s choices.

.

,

1757E540-450E-4BEB-A038-B6688A0904FF

  1. Clifton W. Eserman, PHIAS® HIA®

    Specializing in ACA (Affordable Care Act). ON/OFF Exchange & Medicare Supplements, MA (HMO / PPO / RPPO), & Specialty SNP MA Plans

 

.

      

Print

 

Print

    www.incompasinsurance.com

 

 

 

.

 

 

Read Full Post »

Steve is out of town and John Ramos will be the group facilitator  

.

.

 $$ WHAT ARE YOUR HEALTH CARE PREMIUMS?

FINDING HEALTH CARE INSURANCE

(Especially with HIV)

 

Our topic this week is obtaining medical health care insurance. We have an expert guest speaker, Clifton W. Eserman, who will provide a wide range of options, plans and assistance programs available. This will be a comprehensive topic discussion.

.

Cliff has 20 years of experience in medical health care consulting. He owns a company located in Wilton Manors. Cliff has been the health insurance expert speaker at the Department of Health’s Men’s Wellness Conference and has been a consumer’s guardian advocate for participants under the ADAP program which has resulted in significant reforms for the betterment of consumer’s choices.

.

,

1757E540-450E-4BEB-A038-B6688A0904FF

  1. Clifton W. Eserman, PHIAS® HIA®

    Specializing in ACA (Affordable Care Act). ON/OFF Exchange & Medicare Supplements, MA (HMO / PPO / RPPO), & Specialty SNP MA Plans

 

.

      

Print

 

Print

    www.incompasinsurance.com

 

 

 

.

 

 

Read Full Post »

Steve is out of town and John Ramos will be the group facilitator  

.

.

 WHAT ARE YOUR HEALTH CARE PREMIUMS?

FINDING HEALTH CARE INSURANCE

(Especially with HIV)

 

Our topic this week is obtaining medical health care insurance. We have an expert guest speaker, Clifton W. Eserman, who will provide a wide range of options, plans and assistance programs available. This will be a comprehensive topic discussion.

.

Cliff has 20 years of experience in medical health care consulting. He owns a company located in Wilton Manors. Cliff has been the health insurance expert speaker at the Department of Health’s Men’s Wellness Conference and has been a consumer’s guardian advocate for participants under the ADAP program which has resulted in significant reforms for the betterment of consumer’s choices.

.

,

1757E540-450E-4BEB-A038-B6688A0904FF

  1. Clifton W. Eserman, PHIAS® HIA®

    Specializing in ACA (Affordable Care Act). ON/OFF Exchange & Medicare Supplements, MA (HMO / PPO / RPPO), & Specialty SNP MA Plans

 

.

      

Print

 

Print

    www.incompasinsurance.com

 

 

 

.

 

 

Read Full Post »

On Thursday, the Milton Hershey School agreed to pay a 14-year-old Philadelphia boy and his mother $700,000 to settle their federal lawsuit against the Derry Twp.-based boarding school, which had initially refused him enrollment because he’s HIV-positive.

“I thought we had moved beyond this with the amount of education people have received regarding HIV and AIDS and how it’s contracted and transmitted to others,”

 

To read full article CLICK HERE

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Social Security Disability

How Much Can I Earn and Still Collect SSDI?

If you work while you are collecting disability benefits, special rules apply:

Trial work period – you can work up to 9 months in any five year period and continue to collect disability benefits.  There is no cap on your earnings during the 9 month trial work period.  However earnings over a specific amount in a particular month will cause that month to count at a trial work period month.   If you earn more than $720 in a month in 2012, 2011 or 2010, that month counts as a trial work period month.  If you earned less than $720, that month would not count towards your 9 month limit.   In 2009, the trial work period trigger was $700, and in 2008 it was $670. In 2007, the trial work period trigger was $640, and in 2006, the trial work period trigger was $620.

Extended Period of Eligibility. After you have used up your nine months of trial work , Social Security looks at your earnings on a month by month basis for a 36 month “extended period of eligibility.”  During the extended period of eligibility, you receive your regular SSDI check if your earnings are not “substantial.”   If your earnings are “substantial” you are not eligible for a check in that month.  How much is “substantial?”

2012- $1010 per month

2011- $1,000 per month

2010 – $1,000 per month

2009- $980 per month

2008-  $940 per month

2007 – $900 per month

2006 – $860 per month

If you earn more than the above limits for a particular month, you will be asked to repay Social Security for any disability benefits received during that month.  SSA will literally review your earnings month by month – if you exceed the limit for a particular month, you will have to pay it back.

In addition, if your earnings record shows a pattern of work, SSA will likely review your case to determine whether benefits should be stopped.  This is called a “continuing disability review” and is an eligibility issue rather than a money issue, although the two often go hand in hand.

Note that special rules apply for blind disability claimants – a blind person can earn more money before his earnings are deemed “substantial.”

To read full article CLICK HERE

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March 23, 2011

HIV Classified as Disability by EEOC
New EEOC Americans with Disabilities Act (ADA) regulations classify HIV as a disability:

“The U.S. Equal Employment Opportunity Commission (EEOC), the federal agency responsible for enforcing laws against workplace discrimination, has released the final revised version of its Americans with Disabilities Act (ADA) regulations, according to an EEOC statement. The EEOC’s new regulations clarify that impairments of major bodily functions-such as being HIV positive-qualify as disabilities under the law. The revisions were triggered by the ADA Amendments Act of 2008, which overturned a number of Supreme Court rulings that defined ‘disability’ narrowly, reinforcing the inclusive intentions of the original legislation.”

Read more: http://www.towleroad.com/2011/03/hiv-classified-as-disability-by-eeoc.html#ixzz1IqpgM1vj

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