Virginia Social Security Disability Lawyers | Virginia Elder Law Attorneys
Sadly, many Americans fail to plan for the most important aspects of retirement: disability and healthcare. Disability benefits may be available through Social Security. To qualify, your disability must be expected to last at least one year or to result in death. In addition, you must have been disabled for at least six months in order to apply for benefits. The process is complex and time consuming, however, so you should begin the application process as soon as possible - and it helps to consult experienced Virginia social security disability lawyers for assistance. Depending on your disability status, you may qualify for any of the following types of SSD benefits:
- Social Security disability benefits (SSD) if you are a disabled worker and you have worked and earned enough credits to become "insured."
- Social Security survivor benefits if you are a disabled widow or widower, between 50 and 60 years of age, based on your deceased husband's or wife's work record.
- Social Security child's benefits if you are a disabled child over age 18, and either of your parents is receiving Social Security Benefits or is deceased and paid enough into Social Security before his or her death to be "insured."
Medicare is the federal government's healthcare plan for people age 65 or over. Regardless of whether or not you are retired, you must sign up for Medicare benefits within three months of your 65th birthday in order to qualify. Eligibility for Medicare is not based on financial need, meaning that anyone age 65 or older qualifies to receive Medicare benefits. Medicare does not cover a wide range of services, however, thus requiring many older Americans to pay out of pocket for procedures, services, or medication that is not covered under Medicare. Many private insurance companies offer Medigap policies, which provide benefits to fill the healthcare gaps that Medicare does not cover. Our Virginia social security disability lawyers can help you file for Medicare benefits.
Medicare will not pay for preventive care or the treatment of chronic illnesses. The program's four major areas of coverage consist of the following: Part A, which covers hospital and skilled nursing care facility stays; Part B, which covers physicians' fees; Part C, which permits Medicare beneficiaries to receive their medical care from among a number of delivery options; and Part D, which covers prescription medications. In order to qualify for Part A, you must be age 65 or older, permanently disabled, and eligible for Social Security. For Parts B – D, it is only required that you be age 65 or older to qualify. When planning for retirement, you should account for any out-of-pocket costs or additional medical insurance you will need to purchase.
Protecting the rights of seniors and individuals with disabilities is vital as we live longer and children with disabilities become adults. The experienced Virginia social security disability lawyers at Charles B. Roberts & Associates, P.C. can assist you with the preparation of wills, trusts, powers of attorney, medical directives, estate administration, guardianships and conservatorships, long-term care planning and other elder law issues. Our firm has the resources and experience to help you formulate an estate plan that best meets your needs. Call 1-888-407-4529 (toll free) today to discuss your case with our experienced Virginia social security disability lawyers. We handle cases in Arlington, Fredericksburg, Woodbridge, and throughout Northern Virginia.