If you live in Florida, then you're used to seeing many retired people. Florida is a well-known state for retirement, and people love the sandy beaches, warm weather and tropical vibes.
What's interesting about Florida, though, is how many people collect Social Security there. Whether it's retirement benefits or disability benefits, Florida ranks high on the list.
The Social Security Administration (SSA) reported paying out $85.3 billion to over 63.3 million Americans in March, with around 70% of that money going to retirees. The remainder went to those with disabilities and those receiving survivor benefits.
Approximately 16.17% of Florida's population receives retirement or disability benefits from the SSA. This is just slightly lower than two other states, Maine and Vermont. Why are the numbers so high in those states? They tend to be where baby boomers have retired, shifting the numbers there.
Did you know that certain areas in Florida are among the fastest growing areas in the country for retirees? The Villages in Florida is one such place, and around a third of residents there receive benefits of some kind from the SSA.
Disability, retirement and survivor benefits may be threatened in the future if these numbers keep growing because the SSA is paying out more than it brings in. However, for now, benefits are not being cut to prevent deficits.
If you have a long-term disability, don't be afraid to seek the benefits you're owed. The money may be what you need to live comfortably throughout your life, whether you decide to retire on it or remain a part-time worker.
Florida is full of interesting places for tourists to visit, and that could be part of the reason why there are so many traffic accidents there. People unfamiliar with the roads and traffic laws combine with heavy traffic and make for the perfect conditions for a crash.
Floridians have higher insurance rates as a result of those collisions. Between 2017 and 2018, the average insurance premium went up by approximately 10% to an alarming $2,050 yearly. This is a problem, because such high rates mean that there are many drivers who are on the roads without insurance.
Florida also maintains a no-fault insurance system for its drivers. The no-fault coverage pays for the insured party's medical bills after an accident regardless of fault, which limits lawsuits significantly. When people don't carry insurance, they risk spending thousands out of their own pockets for medical care. However, the most basic insurance only provides $10,000 in coverage, which is not much considering the cost of medical coverage today.
If you are traveling to Florida from another state, it's a good idea to make sure you have sufficient auto insurance coverage in case you get into a collision on your vacation. You want to make sure you have uninsured or underinsured motorist coverage specifically, so that you don't end up facing high bills that you have to pay as a result of another person ignoring the need for auto insurance. Your attorney can help you if you're hurt in Florida and are in a crash with a driver who was not carrying insurance at the time.
Workers' compensation coverage is essential to employees who have been hurt on the job. It provides many important benefits such as medical coverage, compensation for lost wages, vocational rehabilitation and more.
Most workers in Florida have a right to workers' compensation if they are hurt while performing the duties of their jobs. For example, someone driving to a client's site from their primary office will be in the process of performing their work, so if they get into a crash, they should be covered by workers' compensation. Similarly, someone who is injured by an explosion in an industrial facility while on the job can also be covered by workers' compensation.
Who isn't covered by workers' compensation?
Some people aren't covered by workers' compensation. These people include independent contractors, third-party contractors and some people who are employed by employers who are not required to carry workers' compensation coverage.
If you work for someone who does provide coverage and need to file a claim, you'll need to let your employer know that you got hurt. After your injury, you should go to the hospital, an urgent care clinic or to a medical provider previously approved by the workers' compensation program. After the initial treatment, you'll have a better idea of how serious your injury is and if you'll need to pursue further assistance through workers' compensation, like coverage for lost wages due to missing work for several weeks or coverage for vocational training so that you can retrain for a new position or job instead of what you did in the past.
You've been dreaming of coming to Kissimmee for some time because you're a huge fan of Disney and everything the local area has to offer. Unfortunately, along the drive from the airport to your rental home, you were involved in a significant car accident.
Instead of spending time in the sun, you ended up spending time in surgery. Instead of enjoying a sunny day on the beach, you're in a darkened room to help with the migraines you have as a result of your brain injury.
If this sounds familiar, know that you're not alone. No one can predict when a car crash is going to happen, and when they do, they can leave you in a difficult position.
What should you do if you're hurt in a collision on vacation?
Getting hurt on vacation is often something you couldn't have predicted. Now that it has happened, it's a good idea for you to get in touch with an attorney. Usually, it's a good choice to work with an attorney in the state where you were hurt, because they are most familiar with the state laws. They'll also have better access to records, like the police report, which will be held locally.
You should always seek medical care after an accident, even if you're not in your own state. Most insurance carriers will provide some out-of-network coverage, but this is something that you may want to look into before traveling. Regardless, your health is the most important thing after a crash, so getting medical care is vital.
After that, you can allow your attorney to take care of the majority of things, while you focus on getting back to your optimal state of health.
Perhaps you suffered serious injuries in a car accident that have left you unable to meet the physical demands of your job. Maybe you have a grave medical condition that leaves you requiring extensive medical care and time off from work. There are many physical, mental and medical conditions that can leave a person disabled, unable to retain gainful employment, and support his or her Florida family.
If you cannot work because of a medical condition, you may apply for disability benefits through the Social Security Administration. When you submit your application, you may feel hopeful and confident that you will soon have the support you need, but what if you are not initially successful? Many first-time claims comes back denied.
So, what's next?
Getting notice of a denied claim can be devastating. What can you do to secure the benefits you truly need for your daily needs, medical care and other expenses? A denied claim is a setback, but there are still options available to you. Through a reconsideration of your claim or an appeal, you can continue your fight for the financial support you need.
It may help to first try and understand why the SSA denied your claim. Some of the possible reasons may include:
You make too much money. You are not eligible if you make at least $940 monthly.
There is no evidence that you followed the instructions of your doctor regarding your disabling condition.
It is not evident that your disability will last at least 12 months or result in your death.
You did not include enough medical evidence or documentation to validate your claim.
Once you know why your claim was not successful, you can choose to appeal. If you think this is a smart course of action for you, it is prudent to act quickly – there is a limited amount of time for you to do this.
How can you appeal?
The appeals process is not easy to navigate. If you are moving forward with this step, it may be helpful to speak with an attorney experienced in SSDI claims before you start. Having guidance can help you walk through the appeals process with fewer missteps, giving you a better chance of success.
Your financial well-being is on the line, and you need to secure SSDI benefits as fast as possible. With much at stake, you will find significant benefit in having experienced guidance from the very beginning of the initial application or appeals process.
If you suffer a disability as a result of an injury or deteriorating health, you may wish to look into obtaining Social Security Disability (SSD). This is compensation provided to you each month by the government. You earned this compensation by working, and if you have enough credits, you can apply for SSD.
SSD is an important lifeline for many people. When you suffer a sudden injury or your health begins to decline, you may not know how you'll be able to provide for yourself or your family. SSD can help. On top of this, if you have a low income, you may qualify for Supplemental Security Income (SSI), which can further boost your monthly payments.
SSD is not taxed, so the amount you receive is the amount you can use. In addition to SSD and SSI, you can seek Medicaid if you are under 65 or Medicare if you are over 65. This helps cover your medical needs, so you can use more of your compensation to better your quality of life.
Is it difficult to obtain Social Security Disability?
It can be, but if you work with your attorney from the start, you'll have a better chance of getting the application approved the first time. Many people receive rejection notices because of mistakes made on their applications. Your attorney will help you put together an application without errors and with enough evidence to prove that you should qualify for SSD.
Our website has more information on SSD and what it takes to qualify for this helpful benefit.
As someone who has struggled with the trauma of a workplace accident, you may have trouble with emotional disturbances that make it hard for you to work. Maybe you have flashbacks or trouble sleeping at night; You might have panic attacks on the job or be exhausted.
In your situation, it's important to know that the Social Security Administration (SSA) does recognize mental health disorders for Social Security Disability (SSD) benefit applications. If you cannot work because of your mental health condition, you can seek help benefits from SSD, so you can focus on your health instead of struggling to work when it's nearly impossible for you to do so.
Physical and psychological injuries are both significantly impactful on a person's life. Psychological health concerns can also be physically damaging to your health over time. For this reason, the SSA does recognize that some people need support to overcome these health conditions.
How can you obtain SSD benefits for mental health conditions?
You'll need to fill out an application. This application is often rejected the first time, so it's important to fill it out as accurately as possible and to provide as much information as you can about your condition and how it affects your life.
While many people try to submit applications on their own, you'll have a better chance of success on your first submission if you work with your attorney to submit the right information. That way, you'll know that the form is submitted without errors that could delay your SSD approval and delay the benefits that you need.
Florida has a no-fault law, but that doesn't mean a person isn't responsible if they cause an accident. This is a fairly common misconception. The party is still found to be at fault, and they will still be required to cover at least some of the costs related to the collision.
Whenever a car crash happens in Florida, police officers do arrive at the scene and investigate to find out who is responsible for causing the accident. Florida's no-fault law then applies and is special because it means that the person who caused the accident is responsible for fixing the other person's vehicle but not for paying for their injuries.
As someone who has been in a car crash, this might seem confusing, but it's actually helpful. Instead of worrying about the other person's insurance company covering your injuries, you'll turn to your own. By calling your own insurance company, you'll start the process of obtaining your benefits.
It can be complicated to understand what no-fault laws mean for you, especially if you get hurt. Usually, your insurance policy will have its own limits. If you max those out, then you may not have further rights to a claim against the driver who caused the crash.
Our website has more information on personal injuries, car crashes and other accidents, so you can learn more about what to do if you get hurt. In every case, it's a wise choice to speak with someone who is familiar with Florida's laws and how to help you get the most out of your claim.
In Florida, there are three benefits that workers who are hurt on the job can seek through workers' compensation. These three benefits include medical benefits, lost wage and monetary compensation benefits and death benefits.
Each of these categories is vital to those who have been hurt or killed. Initially, they'll need medical care. Then, they may need to be compensated for time lost from work and other financial losses. Finally, if someone passes away, their family should have the right to obtain death benefits to cover the expenses related to the funeral and other financial needs.
What kinds of medical benefits are provided to those hurt on the job?
Those hurt on the job may need to see a doctor right away. In all cases, the initial visit to a hospital through dialing 911 is going to be covered as long as the claim is valid. From that point on, it's normally a doctor who has been authorized who takes over the patient's case.
Any and all authorized, medically necessary care will be covered by workers' compensation. This includes:
Prescription drug coverage
What do you need to do if you're hurt on the job?
If you are hurt on the job, the first thing to do is to report your injury or illness to your employer. If you have to go to the hospital for emergency treatment, then you should tell the medical staff that you were hurt on the job. Give them your employer's information or workers' compensation insurance carrier.
At no time should those hurt on the job be forced to pay for their injuries out of pocket. Know your rights, so you can receive the compensation you deserve.
Florida workers will find it beneficial to learn about their rights in case of an accident at some point in the future. No matter what type of job you have, it is in your interests to learn as much as possible about how to get what you need in the event you require support after an accident at work. It can be especially helpful for you to learn about the workers' compensation process.
Workers' compensation insurance coverage exists to help injured workers after a job-related injury or occupational illness. These benefits can include everything from recovery of some of your lost wages to coverage of your medical expenses. You may want to learn about what to expect from the claims process, particularly what you can expect from your employer.
Your boss' job
One of the most important things you can expect from your employer is to carry the appropriate amount of workers' compensation insurance. Laws require most employers do this, yet some do not adhere to the rules. It can be smart to first find out if your boss has the right type of coverage in case of a work accident. You can also expect the following from your employer as well:
Your employer has to inform employees of his or her compliance with workers' compensation laws by placing a notice in a place where everyone will see it.
After an accident, your boss should call for emergency medical treatment for people with serious injuries.
The employer has the responsibility of making a report about the accident and filing it with the appropriate workers' compensation office and the insurance provider.
Your boss has to cooperate with requests from you or the insurance company for additional information about your accident, including information about how the accident impacted your work.
The aftermath of a workplace accident can be overwhelming. It may be appropriate for you to seek a complete evaluation of your case and assessment of your legal options with an attorney experienced in workers' compensation law. Even with a serious injury and valid claim, it is not always easy to get the full amount of support you deserve. You do not have to walk through this process by yourself.