Monthly Archives: May 2014

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Get on the Same Page: Retirement Planning for Couples
Depending on the amount of income your clients' assets can provide for retirement, working longer and delaying retirement may be an option they'll both need to consider. Working longer possibly means increasing their benefits from Social Security.
Read more on WealthManagement.com

Reliance on 401(k) retirement accounts drops, poll shows
A bit more than 3 in 10 non-retirees expect to rely heavily on Social Security, according to the poll. That number has grown in the aftermath of the Great Recession. From 2002 to 2007, the portion of non-retirees expecting to count heavily on Social …
Read more on Los Angeles Times

YOUR MONEY-A money guide for fiftysomethings
NEW YORK May 30 (Reuters) – Is it too late to save for retirement when you're 50 or older? When should you start taking Social Security? These are some of the questions Carrie Schwab-Pomerantz, president of the Charles Schwab Foundation and member …
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Garlock proposes 5M end to bankruptcy
That 347-page document spells out how the company proposes to wrap up all the myriad asbestos-related personal-injury claims that caused it to file for bankruptcy in June 2010. The Wayne County company, as well as parent company EnPro Industries, are …
Read more on Rochester Democrat and Chronicle

Detroit has until Monday to file final bankruptcy plan
Mara: DETROIT WAS GOING TO FILE THE FINAL PLAN, THE DEAL TO PRESENT TO THE JUDGE TO MOVE DETROIT OUT OF CHAPTER 9 BANKRUPTCY. SOURCES TOLD US EARLIER THIS AFTERNOON THAT THAT PLAN WAS GOING TO GO …
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Debt Judgment May Trigger Bankruptcy
On the plus side, filing for bankruptcy halts collection action. A Chapter 7 proceeding generally wipes out unsecured debts, including debt judgments, while selling off your property that is not protected under state and federal exemptions. Under a …
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South Woodford, London (PRWEB) April 02, 2014

First Collect International is now offering legal fee insurance for the bad debts they collect. Specialising in international debt collection, they have negotiated a unique cover with a leading legal fees insurer in the UK. The arrangement, which is exclusive to First Collect, addresses the cost of legal fees making it affordable for all.

Collection of outstanding accounts costs both time and expense skewing your budget into overrun. Legal insurance cover turns that unquantified cost into a fixed cost to the business. It is the variable of unknown costs that creates problems for a business rather than the cost that you have already factored in. Recognising it, we set about finding a solution, commented a senior executive with the company.

Legal fee insurance provides an affordable way for companies to access the justice system for bad debt collection. The insurance covers expenses related to pursuing legal rights. A business earmarks an amount for legal insurance, knowing that it would provide full access to legal counsel and expense coverage when it is needed. The arrangement helps avoid the costs resulting from an unexpected drop in recovery level prior to legal action as well as the legal expenses overrun following an increase in unsuccessful legal actions.

Large volume clients of First Collect may choose only to insure a proportion of the debts. The executive added, For a nominal premium, businesses can insure debts in case the legal action is required. You can allocate budget to initiate legal action. The facility contributes to the stabilisation of costs for bigger as well as smaller clients.

Legal action cost for global debt recovery services (http://www.firstcollect.com/) depends on the legal system of the country and other factors. The amount the agency charges for debt collection is proportionate with the age, size and location of the debt placed. Clients are provided an honest feedback for every account they want to pass. Find here information on debt collection process in France.

About the Company

First Collect International is a debt recovery agency recommended by the worlds leading commercial credit insurance companies, major corporations and accountancy practices. For debt collection and credit recovery In Italy, there are few companies that can compete with them. In business since 1993, they are member of the CSA, ACA, IACC & LIC. Find information here about their debt recovery efforts in Holland.

Contact Information

First Collect International

34-36 High Road,

South Woodford,

London E18 2TX, United Kingdom

Tel: +44 (0)20 8532 9637

Fax: +44 (0)20 8532 9638







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SF group designates day for long-term AIDS survivors
"There is a looming challenge where quite a few longtime HIV survivors went onto disability in the 1980s or 1990s. They are now approaching the age – typically 62 or 65 – where the disability policy will end and they will be transitioned to Social …
Read more on Bay Area Reporter

To Meet Challenges, Social Security Systems Need to Be Proactive
As a result, the State Social Insurance Fund of Kazakhstan was created ten years ago, with the aim of enhancing social security protection of the most vulnerable groups of the population by coveringthe risks of disability, survivorship, unemployment …
Read more on Astana Times

West Side Neighborhood Watch
A 62-year-old woman who works with adults with disabilities in the 300 block of Fernwood Drive confessed to stealing from one of the home's residents, according to a May 20 police report. According to the report, the care provider admitted to stealing …
Read more on Akron Leader Publications


Belleville, IL (PRWEB) March 09, 2012

A new Congressional Lupus Caucus announced last month by U.S. Reps. Tom Rooney (R-Fla.), William Keating (D-Mass.), Ileana Ros-Lehtinen (R-Fla.), and Jim Moran (D-Va.), earned praise from Allsup, a nationwide Social Security Disability Insurance (SSDI) representation company. Allsup has helped thousands of individuals with the chronic autoimmune disease obtain their SSDI and Medicare benefits, and is a sponsor of the Lupus Foundation of Americas (LFA) 2012 Walk for Lupus Now.

The caucus will work in collaboration with the LFA, the leading voluntary health organization for people with lupus, to ensure that Congress understands lupus impact on individuals and their families. There is no cure for lupus, and Congressional caucus members said they hope to increase awareness and support for lupus research.

A number of residents in my district feel the impact of lupus each day; yet one of the biggest challenges facing us is that we do not have hard statistics on the number of people in Massachusetts that are actually affected by this disease, said Keating, caucus co-founder, in a press release. I am hopeful that the work done by this caucus will bring much-needed answers to residents in our local communities struggling with lupusand give them greater hope for their future.

Lupus affects some 1.5 million Americans, 90 percent of whom are women, according to the LFA. The disease can damage any part of the body (skin, joints and organs). It strikes without warning, is unpredictable and sometimes fatal.

Lupus Affects the Ability to Work

The LFA reports that most people with lupus develop it between ages 15-44. Because lupus often begins during a persons career-building phase of life, individuals have a lot to lose if they cannot continue working, according to Allsup, which has helped more than 170,000 people obtain the Social Security disability benefits they paid for while working.

SSDI is a federally mandated disability insurance program overseen by the SSA that operates separately from the retirement and Supplemental Security Income (SSI) programs. SSDI provides monthly benefits to individuals who are under full retirement age (age 65 or older) and who can no longer work because of a severe disability (injury, illness or condition) that is expected to last for more than 12 months or is terminal. Individuals must have paid FICA taxes to be eligible.

Individuals with lupus face a number of unique challenges when it comes to applying for SSDI, said Tai Venuti, Allsup manager of Strategic Alliances. Their medical records may not always paint a full picture of how lupus affects their ability to function. Common lupus symptoms, such as extreme fatigue, pain and inability to concentrate, are difficult to measure even though they can be debilitating at times.

To qualify as disabled as defined by Social Security, persons with lupus must have severe involvement of at least one of 11 organs/body systems (joints, muscular, ocular, respiratory, cardiovascular, digestive, renal, hematologic, skin, neurologic and mental). Alternatively, they may have lesser impairment of two or more systems if at least one of the systems is involved at a moderate level of severity and the patient has significant symptoms and signs of severe fatigue, fever, malaise and weight loss.

Many people with lupus are able to work full-time, but others are unable to continue working as soon as three or four years after diagnosis, Venuti said. That means they may lose 30 or more years of potential income and have limited opportunities to save money for retirement.

Obtaining SSDI can help protect peoples Social Security retirement benefits by freezing their earnings record. However, the SSDI application process can be a confusing and time-consuming process. It can be further complicated for people with lupus who struggle to gather sufficient medical evidence to support their claim.

Letting people know they can get help with their SSDI application from the very beginning can save them time, money and stress, Venuti said. Allsup has been helping people through the SSDI process for nearly three decades. When youre already dealing with a chronic condition like lupus, added stress and worry are the last things you want on your plate.

Allsup Sponsors Walk for Lupus Now

Allsup is a Gold Sponsor for the 2012 national Walk for Lupus Now, which raises funds and awareness for this unpredictable and life-threatening disease. Thousands of walkers participate in more than 60 cities across the nation, rallying the lupus community, helping individuals learn how to better live with lupus, and raising awareness of the disease where they live. As a national sponsor, Allsup will offer free SSDI eligibility screenings and information on SSDI and Medicare in selected Lupus Walk cities on the dates below.

2011 10 06 – 1237 – Washington DC – Occupy DC

Image by thisisbossi
The Stop the Machine protest, also joined by already on-going Occupy DC protests (then in their sixth day), an offshoot of the Occupy Wall Street protests in New York City.

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Federal bankruptcy judge questions whether city of Holyoke may be liable for
SPRINGFIELD – Questions arose during a hearing Wednesday in federal bankruptcy court over whether the city of Holyoke may be liable for the Holyoke Geriatric Authority's mounting debts, if the city proves it has control of the entity under state law.
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Live chat Monday on bankruptcy voting process for Detroit retirees, current
ADVERTISEMENT. Do you have questions about the bankruptcy voting process for city of Detroit retirees and current employees with a pension claim? Join the Free Press from noon to 1 p.m. today, when we host a Web chat on the balloting and the pension …
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Alexandria, VA (PRWEB) February 03, 2014

It sounds screwy, but its current U.S. government policy. Undocumented immigrants can become entitled to benefits based on the jobs worked under fraudulent Social Security numbers. The number theyre working under may be fake or even stolen, but when the status of an undocumented worker changes, as it would under immigration reform, he or she would become eligible to file a claim for Social Security that could be based, in part or even in total, on earnings from jobs worked without legal authorization.

Immigration reform could add potentially hundreds of billions in long-term costs to Social Security, because all thats needed for undocumented workers to file a claim is permission to work in this country. Citizenship is not a requirement. This policy is stirring up seniors already angry about proposals to cut the Social Security cost-of-living adjustment (COLA). According to a recent survey by The Senior Citizens League (TSCL), a nonpartisan seniors organization, some 87 percent said they strongly favor measures that would prohibit payment of Social Security based on earnings from jobs worked prior to gaining legal work authorization.

Congress and President Obama are telling seniors that Social Security is unsustainable, and theyre calling for cuts in the growth of their Social Security benefits, says TSCL Chairman Ed Cates. Yet millions of illegal workers would potentially benefit from committing document fraud under most immigration reform proposals, Cates says.

Just how would someone working under a fake Social Security number be able to make a claim? Benefits are based on lifetime earnings not as many people mistakenly believe on the taxes paid in. When unauthorized workers use phony Social Security numbers to work, their employers record their earnings under the phony numbers on W2s and send copies to the Social Security Administration. Based on Social Security Administration data, TSCL estimates that employers will send in more than 9 million such wage reports for the 2013 tax year. When the Social Security Administration receives wage reports in which the name and Social Security numbers dont match those in their records, the W2s are saved in a special Earnings Suspense File until the SSA can reconcile them with the rightful owner, even if that occurs years later.

When an individual files a claim for benefits, the Social Security Administration (SSA) searches its records for every wage report (W2) connected with that individual to determine entitlement. The search even includes earnings from jobs worked prior to legal authorization, under fake, invalid or stolen Social Security numbers (SSNs) if the applicant kept evidence of such earnings like pay stubs or W2s. SSA calculates benefit payments based on all earnings individuals accumulate over their lifetime including earnings for jobs worked without authorization.

Undocumented workers are encouraged by pro-immigration advocates to keep their W2s and pay stubs, in case their status changes, and they become eligible for Social Security. Immigrants filing for a status change also would have a pressing incentive to locate evidence of their prior unauthorized earnings history, like W-2s, because virtually all immigration reform legislation requires proof of payment of back taxes.

In pending Senate immigration reform legislation, Senators Orrin Hatch (UT) and Marco Rubio (FL) introduced an amendment that would prevent payment of benefits based on prior illegal work. The provision would ban earnings from jobs worked without legal authorization from being used to determine entitlement to Social Security benefits and for calculating the amount of initial benefits, legislation that TSCL and its grassroots members have long supported. TSCL believes that to protect Social Security for all beneficiaries, such a provision should be included in any immigration bill emerging from the House, where Representative Dana Rohrabacher (CA-48) has introduced similar legislation. His bill, the No Social Security for Illegal Immigrants Act (H.R. 2745), would also exclude illegal wages from benefit calculation.

What do you think of the policy that pays Social Security benefits based on document fraud? Seniors are invited to participate in TSCLs annual 2014 Senior Survey. Visit TSCL at http://www.SeniorsLeague.org. For a free 8-page special issue of TSCLs Best Ways to Save, send $ 2 to cover postage and handling with your name and address to The Senior Citizens League, 1001 N. Fairfax St. #101, Alexandria, VA 22314.

With about 1 million supporters, The Senior Citizens League is one of the nation’s largest nonpartisan seniors groups. Located just outside Washington, D.C., its mission is to promote and assist members and supporters, to educate and alert senior citizens about their rights and freedoms as U.S. Citizens, and to protect and defend the benefits senior citizens have earned and paid for. The Senior Citizens League is a proud affiliate of TREA The Enlisted Association. Please visit http://www.SeniorsLeague.org or call 1-800-333-8725 for more information.







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