Understanding How a Government Shutdown Impacts SSDI When considering a government shutdown, SSDI recipients might understandably be extremely worried. How will it affect your benefits? What about your application? And could you lose valuable and needed income as a result? What Causes a Government Shutdown Government shutdowns come up in the news often. In fact, in recent decades the discussion has become so common that people often ignore it. But a shutdown can seriously impact our everyday lives – including the SSDI process. In general, we reach a shutdown risk when Congress fails to pass a working federal budget. Essentially, the government can’t decide on how or whether to fund itself. Usually one party wants certain cuts and the other
Navigating the often-complex world of insurance claims can be daunting, especially if you’re unfamiliar with the jargon, procedures, and intricacies involved. Insurance companies, while providing a critical service, are also businesses that look at their bottom line. It’s essential to approach any interactions with them armed with knowledge and confidence. Know these strategies if you are dealing with insurance companies. Understand Your Policy Inside Out Be sure that you understand the details of your insurance policy. Know what’s covered, the extent of your coverage, and any deductibles that apply. Having this knowledge at your fingertips ensures that you’re in a position to ask the right questions and challenge any discrepancies. Document Everything You should begin documenting everything as soon as
How Workers Comp Impacts SSDI in TN Workers’ Comp and SSDI are both incredible tools to help people who have been injured on the job and/or suffer from a disability. Both have the proper place and use. But sometimes people can get confused about these two very different kinds of benefits. In fact, recent news shows that some people have received both SSDI and Workers’ Comp when they didn’t need both programs. So here’s what you need to know, how these two options work, and why they often don’t work together. How Workers’ Comp and SSDI Differ Both workers comp and SSDI function like insurance programs. But they apply to two totally different situations. Workers comp is a program paid
How to Improve Your Credit by Becoming an Authorized User on Someone Else’s Account As a Memphis bankruptcy lawyer, I get a lot of questions about how to improve your credit after filing bankruptcy. Fortunately, there are a lot of ways to make this happen. Bankruptcy isn’t a death knell for your credit score – it’s actually a fresh start. And among other tools, you can improve your credit after bankruptcy as an authorized user. Here’s what it means to be an authorized user, how it can benefit your credit, and the steps to take to use this credit-building strategy effectively. Understanding Authorized User Status Being an authorized user on another person’s credit account means you have permission to use
On September 8, 2023, a car accident occurred on Interstate 40 in Memphis, Tennessee, involving a tractor-trailer and multiple passenger vehicles. The accident was caused by a reckless driving incident, and several people were injured as a result. The tractor-trailer was traveling eastbound on I-40 when it merged into the left lane without signaling. The driver of the tractor-trailer then cut off a passenger vehicle, causing the passenger vehicle to lose control and crash into the median. The tractor-trailer then continued driving, and multiple other passenger vehicles were involved in accidents as a result. Several people were injured in the accident, including the driver of the passenger vehicle that was cut off. The driver of the passenger vehicle sustained serious
Personal Injury Lawyers Personal injury lawyers play a major role in the legal landscape, offering specialized expertise to individuals who have suffered harm due to the negligence or intentional actions of others. These legal professionals provide essential support to those seeking compensation and justice for the physical, emotional, and financial consequences of their injuries. Accidents and incidents resulting in personal injuries can happen at any time, leaving victims with not only physical pain but also medical bills, lost wages, and emotional distress. In such situations, personal injury lawyers step in to guide individuals through the complex legal process, helping them understand their rights and options. These lawyers are well-versed in the intricacies of personal injury law and are dedicated to
On August 20, 2023, a car accident occurred on Lamar Avenue at Clearpool Circle Road in Memphis, Tennessee, involving two cars. The accident was caused by reckless driving, and one person sustained a catastrophic injury. The two cars were traveling in opposite directions on Lamar Avenue when one of the cars crossed the center line and hit the other car head-on. The driver of the car that crossed the center line was cited for reckless driving. The driver of the other car sustained a serious spinal cord injury in the accident. The driver is now paralyzed from the waist down and will require lifelong medical care. What is a Catastrophic Injury? A catastrophic injury is a serious injury that causes
Qualifying for SSDI with a Partner or Spouse If you’re in need of SSDI, you may wonder how your spouse or partner plays into your chances of approval. SSDI and joint accounts or assets can feel a little complicated. So here are some of the most frequently asked questions our Memphis SSDI attorneys get about applying when you have joint accounts. The Key Rule with SSDI Approval With most questions around SSDI and joint accounts or assets, there’s one main rule to remember: your approval isn’t based on a means test. In other words, even if you have access to money through your partner, you can still qualify for SSDI. The disability program focuses on other specific qualifications. Namely, SSDI
Using a Credit-Builder Loan to Rebuild Your Score If you’re worried about bankruptcy because of what it will do to your credit score, keep in mind our attorneys have helped people get back to an A rating – even after bankruptcy – for years. Among other tools, you can rebuild your credit score after bankruptcy with a credit-builder loan. So here’s what credit-builder loans are, how they work, and how you can use them to rebuild your credit score and regain your financial footing. Understanding Credit-Builder Loans A credit-builder loan is a financial product designed specifically to help individuals with less-than-stellar credit histories rebuild their credit scores. With traditional loans, you receive the loan amount upfront. However, with a credit-builder
On March 22, 2022, a nurse at Vanderbilt University Medical Center in Nashville, Tennessee, was convicted of criminally negligent homicide for administering the wrong medication to a patient, resulting in the patient’s death. This case is a tragic reminder of the serious consequences that can occur when medication errors happen. What is a Medication Error? A medication error is any preventable event that may cause or lead to inappropriate use of a medication, or that may lead to patient harm. Medication errors can occur at any point in the medication use process, from prescribing to dispensing to administration. Common Types of Medication Errors Some common types of medication errors include: Wrong medication Wrong dosage Wrong route of administration Wrong time