Don't Live Your Life Without Health Care, Tips For The Best Options!

Trying to figure out which health insurance to buy is almost as difficult as doing your own taxes. You need information and solid advice in order to choose a health insurance that works for you. The tips in this article will help you focus on the important things without getting overwhelmed by details that do not matter.

To defray the cost of medical expenses, you should carry health insurance. Even though you may have a savings account, medical bills can still wipe you out financially because they are often much more than any cash you may have on hand. For instance, an appendectomy can cost as much as $32,000 and heart surgery can be as high as $100,000, depending on what you're having done. These are expenses that would have to come out of your pocket, if you don't have insurance.

Health insurance may not completely cover the cost of birth control or well-woman visits with your physician. An alternative to a regular gynecologist is Planned Parenthood, which offers exams, counseling and birth control on a sliding scale, meaning the amount you are charged is based on your ability to pay. County health clinics may also offer these services.

If you, or any of your family members, have vision issues, then it is a good idea to get optical insurance. Vision insurance covers a part of your eye exams and will also pay for at least part of your contact lense or eyeglass purchases. Vision insurance isn't mandatory and therefore may not be worth the cost for some individuals.

It is easy to focus on the wrong things when trying to choose a health insurance plan. There are so many different plans and it can be very confusing. Following the advice in this article should help you focus on what is important and help you know how to make the best decision for you.

Simon Law Group is a Top New Jersey based law firm, providing a comprehensive range of legal services to businesses and individuals in New Jersey.

Simon Law Group is the place where businesses and individuals turn when they face complex legal issues. We are dedicated to provide high-quality legal services to our customers and clients at market competitive prices. Our mission is to improve the effectiveness of business operations and help our customers understand and comply with New Jersey rules and regulations.

Simon Law Group offers a comprehensive range of legal consultation services. Our expert attorneys provide practical, reliable, accessible, and cost-effective legal consultation services in a multitude of areas such as:

Bankruptcy, Criminal Offenses, Family Law, Landlord and Tenant Rights, Wills and Estates and Driving Under Influence (DUI) Defence

If you would like a free consultation with our expert attorneys in New Jersey, please fill out our online form and we will call you as soon as possible. You can also talk to our attorneys at 800-709-1131.

NJ WORKERS' COMPENSATION - REPORT YOUR INJURY TO YOUR EMPLOYER

The importance of reporting your workplace injury

When you are injured while on the job, it is extremely important to notify your employer of the accident in order to protect the rights you may have in making a worker’s compensation claim. Although the rules in New Jersey allow a period of up to 90 days to inform your employer, it is recommended that you report the accident as soon as possibly. Often, an injured employee may not realize the severity of the injuries until after 90 days have passed and may be blocked from making a claim for Worker’s Compensation benefits.

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Such was the situation in Alvarez v. Continental Airlines, A-3039-12T3 (App. Div. October 18, 2013). In this case, an International Service Manager for Continental Airlines slipped and fell inside an airplane on October 21, 2001, striking his head, shoulders and neck on the airplane’s floor. Instead of reporting the injury to his employer, he instead self-treated his injuries.

For unrelated reasons, the injured worker took a leave of absence and returned to work 6 months later, however by this time the pain from his injury was too great for him to continue working. At this time, he sought treatment from his Employer’s approved medical provider and could not return to work for an entire year.

After that year, the injured worker attempted to file a claim for worker’s compensation benefits. The employer denied that claim for failure to timely report an injury. After several years in court, a Judge of Compensation dismissed the case for failure to provide timely notice. Ultimately, the injured worker lost out on any permanency claims of worker’s compensation benefits, as the court found he did not report the injury and the employer had no way of knowing about the injury within the 90 days.

If you have been injured on the job, contact Simon Law Group and speak with a NJ Workers' Compensation Attorney at 800-709-1131 or complete the form on the left of this page.

SSDI EGILIABILITY

SOCIAL SECURITY DISABILITY ELIGIBILITY REQUIREMENTS

Social Security Disability (SSD) and SSI Eligibility and Requirements.

This should help you to determine if you qualify or are eligible for Social Security Disability (SSD, SSDI) or Supplemental Security Income (SSI) benefits. You will also find what programs the Social Security Administration has that are available to those who are disabled? You will find information on the various programs from SSANJ Disability Attorneys

After reading this page, you should be better able to judge:

Do I qualify for SSD?  Who qualifies for SSD?

Am I eligible for SSD?  Who is eligible for SSD?

What is SSD?

What is SSDI?

What is SSI?

What are the SSI disability requirements?

How does one know if they have SSI eligibility?

SSDI is it income based?

The SIMON LAW GROUP is an experienced team of Attorneys and Legal Specialists that can help you to fight for your Benefits.  YOU DON’T PAY A THING UNTILL YOUR CASE IS RESOLVED SUCESSFULLY!

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Adult and Child SSI and SSD Programs and Requirements

Social Security Disability Insurance has many names. It is also known as Title II benefits, SSD, SSDI, DIB, and just plain Social Security Disability benefits. To be eligible for these benefits the individual must be "insured". To be insured, the individual must have worked long enough and paid Social Security taxes so that they have enough credits. The amount of money one will get per month if they are found disabled is dependent upon how much they paid into the system. It is also significant to know, the date that you are found to meet the definition of disability under Social Security rules must be before your date of last insured. The date of last insured, sometimes just called DLI, is usually five years from when the individual with a consistent work history stopped working.  So as you can see there is both a duration work test and a recent work test to determine if you are eligible. To help you understand the durational and recent works test I have provided more information on the right side of this page.  Benefits are paid to the disabled person and to minor children. They can also sometimes be paid to disabled widows, spouses and surviving divorced spouses which I will discuss later. Those who win their Social Security disability benefits are entitled to Medicare in two years and six months from the date of onset. The date of onset is the date you are found to meet the definition of disability.

What Social Security benefits may I be eligible for?

Supplemental Security Income also has a few names. These include SSI, and Title XVI benefits. To qualify for this program adults must be not only disabled but also have limited income and resources.  What does Social Security mean by limited income? Social Security will consider the following things income: money earned from work, money received from other sources like unemployment benefits, VA benefits, money from friends or relatives, Social Security benefits, workers compensation benefits, and free food and shelter.  What does Social Security mean by limited resources? Resources are things like cash, land, vehicles, personal property, life insurance, bank accounts, stocks, US savings bonds and anything else that can be converted to cash and used for food and shelter. SSI has limits on countable resources. For an individual it is $2000. For a couple it is $3000. To be eligible for SSI benefits you must also be a citizen or national of the United States or a non-citizen who meets the alien eligibility criteria.  Those who qualify for SSI will usually qualify for Medicaid as well.  These benefits are paid out of the general tax revenues and not the Social Security tax revenues.

Child's SSI is a disability program under Title XVI for children under age 18, or under 22 and regularly attending school, and are disabled and the household in which they live has limited income and resources.  Social Security will look at the amount income and resources of the parents living with the child to determine if the child is eligible for these benefits.  This is called deeming and is beyond the discussion of this page.  The best way to find out if your child is eligible is to contact SSA.

Childhood disability benefits, also called disabled adult child benefits are under Title II. It is important not to confuse these benefits with child's SSI benefits as they are completely different. To qualify for childhood disability benefits the person must have been disabled before age 22 and continue to be disabled. They must also have a parent who is on Social Security disability, or retired and collecting Social Security benefits, or a parent must have died and the parent was fully insured when they died. What this all means is that the adult child if they meet the above criteria is entitled to benefits based on the parents work record. Because these are title II benefits the adult child who is disabled is also entitled to Medicare.  To be eligible the disabled individual must also not be married or have been married.

Disabled widow's benefits are also under Title II. A disabled widow can get benefits based on the deceased spouse's earnings record but you must be 50 years or older and the onset of your disability must have been within seven years of your spouse's death.

For more information, call today to speak with a NJ Social Security Disability Attorney for your free consult 800-709-1131

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§  SSDI Questions

§  Duration Work Test

§  Applying for Benefits

§  Appeal SSDI Denial

§  5 Step Process to Determine Benefits

§  SSDI Disability Grid

Traffic Violations

NJ Traffic Violations - NJ Traffic Attorney

Traffic Offenses

Fight traffic ticket NJ traffic attorneys The SIMON LAW GROUP is an experienced New Jersey municipal court firm defending in and out-of-state motorists accused of traffic offenses. Municipal Courts in New Jersey have statutory authority to hear and adjudicate all allegations of violations of the Motor Vehicle laws. Guilty verdicts for Motor Vehicle violations may result in license suspension, fines, community service, increases in automobile insurance rates, subject the driver to potential civil liability and may require payments of surcharges to the Division of Motor Vehicles. Some Motor Vehicle violations even require mandatory jail sentences. We provide knowledgeable and aggressive legal counsel to defend against an alleged Motor Vehicle violation.

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If you have received a traffic ticket in New Jersey, call the Simon Law Group to reduce your points, save on fines, save your license, and avoid  suspension.  You want to make sure your insurance company doesn't raise your rates from the points. IN addition, you want to make sure you don't start receiving the NJ state surcharge.

 NJ Statutes

Typical tickets we handle on a daily basis:

Driving while suspended

Tailgating

Speeding

Careless driving

Reckless driving

Failure to maintain lane

We have a proven track record for thousands of clients that we have helped reduce or eliminate their points.

Did you know once you have 6 points in New Jersey, you will begin to receive the surcharge from the State of New Jersey?  Actually, your record is reviewed by the State each time you receive points on your license.  Here is a summary of the surcharges:

(Additional surcharges may also apply)

$100 for driving without a license

$250 for driving with a suspended license

$100 for failure to insure a moped

$250 for operating an uninsured vehicle

$1,000 for DUI, 3 years

$1,000 for Refusal to take breathalyzer test, 3 years

Click here for a listing of New Jersey Municipal Courts, listed by County.

Don't wait until the night before, call today and put your mind at ease.  Complete the on line request and we can call you!  Or, feel free to call our office 800-709-1131.

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DRIVING WHILE SUSPENDED

Driving on a Suspended License

Every year, thousands of people are charged with driving on a suspended license. In most situations, this occurs during a routine traffic stop, when the officer learns the driver does not have a valid driver’s license. Depending on the reason your license was suspended, your New Jersey DUI attorney may have an extremely difficult case….or an easy case on his hands.

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If you lost your license due to a DMV action, for example, you received too many points on your record, the DMV must prove they provided adequate and fair notice to you. Essentially, if you claim to have not known your license was suspended and they cannot provide reasonable proof that you should have known, your New Jersey DUI lawyer may be able to prove your innocence.NJ DUI Attorney

When you are found guilty of driving on a suspended license, you will face very severe consequences. A first time offense will result in a fine of $500. Every case of driving on a suspended license is followed by a yearly $250 surcharge payable to the DMV. The surcharge will last three years–meaning a first time conviction will cost a total of $1,250. A second time offense will result in $750 in fines and up to 5 days in jail. The third offense can by punished by 10 days in jail and $1000 in fines. If any injuries were caused by a driver who was operating without a license, the jail sentence will be a minimum of 45 days long.

If your license was suspended due to a DUI, your penalties will be more severe and your New Jersey DUI attorney will have a much harder time defending your actions. Because these suspensions occur in court, the DMV is not held to the same standard of providing adequate and fair notice about your suspension. You are expected to know your license is suspended when you are told in the sentencing. Additionally, your sentence will result in an extra $500 in fines and your license suspension will be extended to between one and two more years. You also may be sent to jail for 90 days. As you can see, this will require the help of an attorney who is accustomed to providing excellent drunk driving defense in New Jersey.

If you were caught driving without a license, whether you knew about the suspension or not, please speak with a skilled New Jersey DUI lawyer from The SIMON LAW GROUP.

Call today for your free consultation 800-709-1131

                                                                                         

NEW JERSEY MUNICIPAL COURTS - NJ TRAFFIC ATTORNEY

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Municipal Courts Form

Call today to speak with a NJ Traffic Attorney about your NJ Traffic Violations. 800-709-1131