#disability benefit

[ayeforscotland]

An investigation has recently commenced after it emerged that disability benefit assessors have been paid £50 rewards for squeezing in extra tests.

[headpainmigraine]

Disabled people must work from home to do ‘their duty’, says UK minister

People with mobility and mental health problems should work from home or lose benefits under new policy

I'll just kill myself now and save them the trouble, shall I?

Some of my favourite highlights:

ultimately there is a duty on citizens if they are able to go out to work they should. Those who can work and contribute should contribute.

that is an obligation on you as a citizen to do this. And if you don’t do this, we will look at sanctions.

We believe in the inherent dignity of a good job. And we believe that work, not welfare, is the best route out of poverty.

Yet right now, around 2 million people of working age are not working at all. That is a national scandal and an enormous waste of human potential. So, we must do more to support those who can work to do so.

Bastard motherfuckers think that anyone considers their measly scraping pittance of "welfare" is a way OUT of poverty???

They have no idea. They just can't conceptualise what it's like to be sick, weak, needy.

Or homeless, elderly, seeking refuge, poor enough to have to decide between heating or eating.

I keep thinking of whichever rat-faced one of them complained about the cost of heating. His stables.

Idk what to say anymore

[headpainmigraine]

For anyone applying for PIP (Personal Independence Payment), here's a little thing I found on the www.advicenow.org website* that might help:

"If the only way you can do something is to do it badly, unsafely, slowly or only occasionally, the correct descriptor is the one that says you can’t do it.

Similarly if you can’t do a task as many times as you might need, or if doing it causes you pain, tiredness, breathlessness, nausea, or makes your condition worse, the correct descriptor is the one that says you can’t do it."

*(I don't know if I trust this website to have pure intentions, but the advice is still sound)

[sam-is-moths]

My benefit got switched over from JobSeeker to Supported Living today. This is something I've kinda been expecting for a while but, now that it's suddenly happened, I'm not really sure how to feel. It's a weight off of my back and I do feel slightly validated but also guilty. I don't think this really changes anything so I guess it's okay to not understand yet. I hope this doesn't backfire somehow.

[debofskylaw]

What it Means to be Under the Care of a Physician

Every disability insurance policy includes a requirement that the insured must be under the care of a physician as a condition of receiving or continuing to receive benefits. But what does it mean to be under the care of a physician? The question is more complex than it seems at first glance.

When Does One Have to Be Under the Care of a Physician?

While insurance companies often contend that a disability cannot be recognized until the date the insured first sees a doctor for their condition, many courts have rejected that assertion. Instead, courts have found that disability benefit claimants only need to be under the care of a doctor when they submit their claim. Rulings such as Berg v. New York Life Insurance Company, a case we litigated, found the meaning of the “care of a physician” requirement subject to multiple interpretations. The court overruled the insurance company’s argument that a disability does not exist until the day the insured first sees a doctor, finding such a reading absurd. The court illustrated its point by observing: “Hypochondriacs might find a doctor who spots an illness at the earliest possible moment, while those who lack the resources to see doctors regularly might suffer for months or years and yet not be considered to have an illness or injury.” Accordingly, the court found it makes “no sense to impose a requirement that a physician visit determines the time when a disability commenced.”

A disability may thus be found to have started well before the claimant first consulted a doctor for the disabling condition so long as a doctor, once consulted, can relate the disability start date back to an earlier date. Since most disabling illnesses do not have a definable start date, and even many injuries do not become disabilities until some time after the date of the initial injury, this is a sensible approach to the question of when does one have to be under the care of a doctor.

How Long is a Doctor’s Care Necessary?

No disability benefit claim will be approved without a certification from a treating doctor that there is a diagnosable condition requiring medical attention. However, some conditions plateau after a period of time; and no amount of additional treatment will cause a remission of the impairment. As a result, the care of a physician requirement in a disability insurance policy is relaxed when it is certain that no improvement is expected and there would be no point in seeing a doctor or in seeing a doctor more frequently than the schedule a doctor sets. Obviously, no one would stop seeing a doctor if their condition is worsening or if they are experiencing severe pain or discomfort. But when no purpose would be served by seeing a doctor more than once a year, a disability insurance company cannot insist on more frequent treatment.

Does the Care of a Physician Requirement Allow the Insurance Company to Direct the Course of Treatment?

Many disability insurance policies include clauses that state the insured must receive “appropriate care” for their condition. While such clauses give insurers a certain amount of leeway to require the insured to receive care from a doctor appropriate to their condition, that does not give insurance companies carte blanche to influence the course of treatment. An example is a case where an insurance company rejected a claim because it believed the claimant should be seeing a rheumatologist (Federal appellate panel addresses insureds disability insurance policy). Because the plaintiff introduced evidence from her internist that the care she was receiving would not be any different than the care a rheumatologist would provide, the insurance company’s argument was rejected. However, claimants who have conditions that can only be treated by a specialist may not choose to unilaterally reject such treatment if there is an appropriate care clause in the insurance policy.

If, however, the insurance company demands that the insurer undergo highly invasive treatment as a condition of receiving benefits, most courts have held the insured need not undergo such treatment unless there is a high degree of likelihood that the treatment will be successful and a very low risk of complications or adverse side effects (Who decides whether treatment is appropriate?). An example is carpal tunnel surgery. While some courts have ruled that a claimant cannot be compelled to undergo such surgery, other courts have found the refusal to undergo the treatment grounds for benefits to be denied.

The Social Security Administration has a regulation on this issue that applies to the Social Security disability program. While the regulation (20 C.F.R. § 404.1560) states that claimants are required to follow prescribed treatment if the treatment is expected to restore a claimant’s ability to work, the regulation lists exceptions:

The specific medical treatment is contrary to the established teaching and tenets of your religion;

The prescribed treatment would be cataract surgery for one eye, when there is an impairment of the other eye resulting in a severe loss of vision and is not subject to improvement through treatment;

Surgery was previously performed with unsuccessful results and the same surgery is again being recommended for the same impairment;

The treatment because of its magnitude (e.g., open-heart surgery), unusual nature (e.g., organ transplant), or other reason is very risky for you; or

The treatment involves amputation of an extremity or a major part of an extremity.

This issue becomes even more complex where there is no consensus in the medical community on the standard of care for a condition, with respect to mind-altering psychotropic medication or medications that have addictive properties, or even medications that cause sedation or other side effects that can be bothersome.

Concluding Thoughts

There are many complexities to the issue of the care of a physician clause in a disability insurance policy, but almost all of the issues can be resolved with the application of simple common sense. Insurance companies have every right to guard against fraud by insisting that disability benefit claimants be under a doctor’s care. It is equally obvious, though, that someone who is sick or injured will not forego care appropriate to their condition just to attempt to qualify for disability insurance payments. As a result, disputes over whether the insured is under the care of a physician do not often arise. When they do, the insurance company may be mistaken as the court found in the Berg case. For that reason, any disability benefit claimant whose claim is rejected on the ground that they are not under the care of a doctor should immediately turn to experienced, knowledgeable legal counsel for assistance.

[newblogdandan22]

8 SSS Benefits You Probably Didn’t Know About | Guide Ph.

SSS is an insurance program mandated by the federal government to all revenue earners or workers in the Philippines. In this short article, I'll review 8 SSS benefits you probably didn’t know about. The SSS members are required to add regular monthly in exchange for the insurance benefits.

What we do not know is that we can get more from SSS apart from recognized benefits like your monthly pension. Fortunately, our contribution is a wonderful means of conserving money for future usage.

Lists of SSS benefits you probably didn’t know about:

1. SICKNESS BENEFIT

A member needs to have been unable to function because of an illness for at the very least four days whether confined in your home or in a health center to receive sickness benefit.

The member must have at least three regular monthly contributions within the twelve month prior to the course of illness.

Below are the requirements in declaring for sickness benefit:

● Fully-accomplished Sickness Benefit Application Form

● UMID or SSS biometrics ID Card

● A minimum of one (1) main or valid government ID

● Photocopy or scanned copy of any of the following: bank card (with account number), Bank Account Passbook, or Bank Statement or Certificate

● SSS Medical Certificate Form filled out by the going to doctor

● Supporting medical papers like Operating record, Research laboratory, X-ray, ECG, and other analysis results. For vehicular accidents with 3rd party involvement, provide an Police Report.

The daily allowance you can declare from the SSS Sickness Benefit is equivalent to 90% of your everyday salary credit.

2. MATERNAL BENEFIT

To qualify for maternity benefit, you ought to be an SSS member who lately just gave birth or had a miscarriage so you can receive a daily allowance from the SSS. A member needs to also have the very least 3 (3) months' contributions within the last twelve (12) months.

Below are the required for documents in obtaining the SSS Maternity Benefit:

● UMID or SSS biometrics ID Card or a minimum of two (2) valid IDs

● Maternity reimbursement form

● Maternity Notification Form properly stamped and received by SSS benefits

● Certified true copy or confirmed copy of the properly registered birth certificate. You may offer an appropriately registered death or fetal fatality certification in case the child passes away

Your daily allowance is equal to 100% of your average everyday income credit rating, increased by 60 days for typical shipment and losing the unborn baby, and 78 days for cesarean section.

3. DISABILITY BENEFIT

The SSS Disability Benefit that is one of the SSS Benefits is paid to a member who is out of work or whose revenue is minimized due to a disability caused by health problem or injury from an accident.

There are two types of cash benefits for disabled SSS benefits member namely:

● Monthly disability pension-- the regular monthly disability pension is for members who have paid a minimum of 36 monthly SSS payments before the course of disability.

● Lump-sum payment-- this is for members who have actually paid payments in less than 36 months before the course of disability and those whose authorized disability period is payable for less than a year.

Here are the requirements to claim for your disability benefit:

● Duly-accomplished Disability Claim Application Form

● SSS medical certification form filled out by your attending physician

● Member’s picture and also a signature card with finger prints and 1 × 1 photo

● At the very least 1 valid primary ID or 2 secondary IDs

● A certified true copy of supporting medical papers such as x-ray results, laboratory/clinical outcomes, operation record, medical facility discharge summary, and so on.

● Savings account ATM card or passbook (xerox), validated initial financial institution deposit slip, and also Visa money card registration form

The regular monthly disability pension can begin with P1 000 approximately P2 400, depending on years of service. You also obtain an added P500 regular monthly extra allowance.

4.DEATH BENEFIT

The primary beneficiary (spouse and dependent children) can get a monthly death pension of a dead SSS member that had paid at the very least 36 monthly contributions. You get a lump sum if the contributions are lower than that. The secondary beneficiaries or dependent parents can obtain the pension or lump sum if there are no primary beneficiaries.

Below are the requirements in claiming the SSS death benefit:

● Death Claim Application form

● Affidavit statement of the death benefit (if the claimant is a secondary recipient).

● Filer's affidavit.

● Report of death (if death is work-related).

● Claimant's photo, signature, and valid IDs.

● Marriage certificate and birth certificate of minor children (if the claimant is the spouse of the deceased).

● Deceased member’s birth certification and marriage certification of parents (if the dead is single).

● A certified true copy of the death certification of the dead member’s.

5. FUNERAL BENEFIT

The SSS funeral benefit is cash benefit amounting to P20, 000 that is offered to whoever funded the cost in hiding the deceased SSS member. The claim for this give need to be supported by an official receipt of the funeral service expenses shared for the claimant as well as the death certification of the dead member.

Here are the requirements in claiming the funeral benefit from SSS:

● Claim for Funeral Service Benefit (SSS form BPN-103).

● Filer's Testimony (Sinumpaang Sanaysay).

● Death Certification of the deceased member duly certified by the Local Civil Registrar.

● Official Receipt of payment given by the funeral home.

● Testimony of funeral expenses.

● Picture of the filer and also valid IDs.

( Various other sustaining papers might be demanded if found necessary during the processing of the insurance claim).

6. EMPLOYEES’ COMPENSATION (EC) PROGRAM

The Employee’s Program (EC) is a cash benefit provided to staff members that lost work time after being sick or wounded as a result of job-related reasons, thus bring about permanent disability or death. This may also cover rehab after a serious injury.

Here are the documents required in claiming the EC benefit:

● Certificate of Employment (authorized by the company or his/her licensed representative including a description of real responsibilities as well as responsibilities carried out by the employee at the time of contingency).

● Web page of the firm logbook containing the entry for the particular health issues or accident (Certified true copy).

● A certified true copy of Medical findings provided by the going to doctor or the healthcare facility records.

7. SALARY LOAN

The SSS wage funding that comes from SSS Benefits is one of one of the most availed funding programs in our country. Members might borrow as much as two times the standard of their 12 newest published monthly salary credits under the said program. Members ought to pay in 24 monthly installments with a rate of interest of 10 percent per year based upon its diminishing principal balance.

Here are the application requirements in availing salary loan at SSS:

● Member Loan Application Form.

● SSS digitalized ID or E6 with any kind of to valid IDs that have a recent photo.

The SSS wage funding amounts your ordinary salary credits in the last one year. There's a rate of interest of 10% per year, as well as it can be renewed as long as you have actually paid 50% of the initial principal amount.

8. P.E.S.O FUND.

The SSS Personal Equity and Savings Option (P.E.S.O) Fund includes in SSS Benefits is a volunteer provident fund used specifically to SSS members along with the regular SSS program.

Members that have the capacity to contribute more are offered the opportunity to save a lot more in order to get added advantages in the future with this program.

You will certainly get the benefits at the time of your retirement, disability, or death claim via a monthly pension, lump sum, or combination of both.

SSS provides a lot of benefits to its members as long as you pay your payments. With all the mentioned SSS benefits above, there's no reason for avoiding your regular monthly payments.

[insightlaw]

What Are The Hard Facts about Disability? | Clauson Law

If you are disabled in any way, and you do not know the hard facts about disability. So, our professional disability attorneys and employees at Clausen Law Firm, PLLC make us aware of the hard facts about disability.

[chrissterry]

Government response to damning inquiry into disability benefit system 'falls short', say MPs : Independent

Government response to damning inquiry into disability benefit system ‘falls short’, say MPs : Independent

The government’s response to a damning inquiry into the disability benefit system “falls short”, MPs have said, after it refused to accept a number of recommendations designed to restore trust in the assessment process. A report by the Work and Pensions Committee published in February found failings in the process for assessing personal independence payment (PIP) and employment support…

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