The Department of Education discharges tens of thousands of federal student loans due to the borrower disability. Learn what is need to successfully prove disability to earn a discharge of a federal student loan. Michigan attorney Thomas Golden also explains how a student loan discharge might financially harm certain disabled people.
This document provides information on various consumer issues that are important for seniors and caregivers to be aware of, including saving important paperwork, credit issues, debt collection, medical debt, debt relief services, bankruptcy, co-signing loans, payday loans, and ambulance bills. It discusses key rights and protections under laws like the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and issues to consider when dealing with debts, creditors, and collection agencies.
This presentation was given on 12/14/21 to help professional and lay caregivers understand how to help seniors in issues involving public benefits, including Social Security, SSI, Medicare, Institutional Medicaid and Medicare Savings Programs.
These slides were part of a South Central Alabama Development Commission Facebook live training 08/21/20 describing the State Health Insurance Services provided by that agency.
Covid19 guidance for multiemployer plans and labor unions webinarWithum
COVID-19 Guidance: Multiemployer Plans and Labor Unions
In this webinar we talk about how COVID-19 is impacting Multiemployer Plans and Labor Unions, including relief programs and FAQs
This document discusses integrating long-term care planning into estate planning. It notes that long-term care costs can deplete estates if not planned for. The document provides an overview of long-term care services, costs of care, sources of payment for care, and options for insuring long-term care costs such as long-term care insurance and VA benefits. It also discusses programs that can help fund long-term care at home.
This document provides information on various consumer issues that are important for seniors and caregivers to be aware of, including saving important paperwork, credit issues, debt collection, medical debt, debt relief services, bankruptcy, co-signing loans, payday loans, and ambulance bills. It discusses key rights and protections under laws like the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and issues to consider when dealing with debts, creditors, and collection agencies.
This presentation was given on 12/14/21 to help professional and lay caregivers understand how to help seniors in issues involving public benefits, including Social Security, SSI, Medicare, Institutional Medicaid and Medicare Savings Programs.
These slides were part of a South Central Alabama Development Commission Facebook live training 08/21/20 describing the State Health Insurance Services provided by that agency.
Covid19 guidance for multiemployer plans and labor unions webinarWithum
COVID-19 Guidance: Multiemployer Plans and Labor Unions
In this webinar we talk about how COVID-19 is impacting Multiemployer Plans and Labor Unions, including relief programs and FAQs
This document discusses integrating long-term care planning into estate planning. It notes that long-term care costs can deplete estates if not planned for. The document provides an overview of long-term care services, costs of care, sources of payment for care, and options for insuring long-term care costs such as long-term care insurance and VA benefits. It also discusses programs that can help fund long-term care at home.
The document summarizes recent developments in California workers' compensation news from October 2010 blog posts. It discusses how the state budget stalemate may cause some to lose benefits, amendments to required workplace notices, a case where a $56 dispute over attorney fees ended up costing much more, an audit finding mismanagement of claims costing Los Angeles millions, and a case where a bank teller was denied ongoing benefits after suffering a heart attack during an armed robbery.
Tax Facts to Successfully Navigate the Families First Coronavirus Response ActCitrin Cooperman
The document discusses key aspects of the Families First Coronavirus Response Act, including provisions for emergency paid sick leave and expanded family and medical leave, employer tax credits to help cover costs, and guidance for employers on implementing remote work arrangements and addressing workforce reductions during the COVID-19 pandemic. It also reviews Section 139 tax-free disaster relief payments that employers can provide employees.
Beginning in 2014, ACA's individual mandate requires most individuals to obtain acceptable health insurance coverage or pay a penalty. A hardship exemption is available for individuals who have suffered a hardship with respect to the capability to obtain coverage under a qualified health plan.
Coronavirus Aid, Relief and Economic Security (CARES) Act & Families First Co...Parsons Behle & Latimer
This document summarizes a webinar about the Coronavirus Aid, Relief, and Economic Security (CARES) Act and the Families First Coronavirus Response Act. It provides an overview of the following:
- The webinar format and presenters covering various aspects of the Acts.
- Key provisions of the CARES Act including the $349 billion Paycheck Protection Program for small business loans, loan forgiveness terms, tax credits and delays, student loan and disaster relief payments.
- Provisions of the Response Act including expanded paid sick leave and FMLA leave for child care reasons during school/daycare closures due to COVID-19.
(1) The document is a general forbearance request form for the William D. Ford Federal Direct Loan Program that allows borrowers experiencing temporary financial hardship to request suspending or reducing loan payments.
(2) The borrower identifies their hardship as financial difficulties and requests temporarily stopping payments for a period between specified dates not exceeding 12 months.
(3) By signing, the borrower certifies the accuracy of the request, agrees to provide additional documentation, and understands that interest will accrue and potentially be capitalized during the forbearance period.
Navigating the top fmla concerns evergreenjaybrodsky
Administering FMLA leave is a constant challenge for HR professionals. Determining what to do in situations involving intermittent leave, serious health conditions, notice obligations and overlapping leave policies can be time-consuming and, if handled incorrectly, can place you at risk for a lawsuit.
Be prepared! In this 90-minute webinar, attorneys Dana Connell and Michael Congiu of Littler Mendelson will explain what you need to know to navigate the complicated issues that can arise when administering FMLA leave.
CARES Act - Key Takeaways for Healthcare OrganizationsCitrin Cooperman
The document summarizes key provisions of the CARES Act for healthcare organizations. It discusses expanded coverage of COVID-19 testing and preventative services, increased Medicare reimbursement rates, suspension of Medicare sequestration cuts, postponed reductions to DSH payments, and advance Medicare payments. It also reviews expanded telehealth coverage and reimbursement, the Public Health and Social Services emergency fund, PPP loan forgiveness criteria, EIDL loans, payroll tax credits, and modifications to net operating loss deductions.
Families First Coronavirus Response Act: What it Does and How to RespondParsons Behle & Latimer
The document summarizes a webinar about the Families First Coronavirus Response Act. It discusses provisions of the act related to expanded FMLA leave, paid sick leave, and tax credits for employers. Specifically, it covers who is covered under the expanded FMLA leave, benefits provided, eligibility and benefits for paid sick leave, details of the tax credits available to employers, and considerations for terminations under the WARN Act during the COVID-19 crisis. Presenters are available to answer questions on these topics.
New York SSI and SSDI - Eligibility, Benefits, and ProceduresSaul Kobrick
"A basic understanding of the two programs may be beneficial to you, or a family member, in the event
disability does strike at some point. Learn more about ssi and ssdi in New York in this presentation."
This presentation reviews - how to determine employee eligibility, what are the qualifying reasons to take FMLA, notice requirements when employee requests leave, what coverage must continue while employee is on leave, and what if employee does not return from leave.
Covert Taxes: Spying Issues in Health & Welfare Benefitsbenefitexpress
This document discusses various types of health and welfare benefits provided by employers, including:
- Health benefits such as medical, dental, and vision care
- Disability and life insurance benefits
- Educational reimbursement plans
It provides details on tax treatment of premiums and benefits for employers and employees, and nondiscrimination rules to ensure plans do not unfairly benefit higher-paid employees.
Proving Grounds: Answer the Call with Effective FMLA Administrationbenefitexpress
The DOL released a new employer guide to the Family and Medical Leave Act this year, but many employers have unanswered questions. Administrating FMLA is a tricky topic; learn to navigate the regulations with ease. From major regulatory changes to the day-to-day questions, HR and benefit managers have, ERISA attorney Larry Grudzien covers everything you need to know right now to legally administrate FMLA leave.
The document provides an overview of various federal, state, and local benefits programs available to individuals with disabilities or low incomes. It summarizes the eligibility requirements and services provided by key programs like Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), Medicare, Medicaid, housing assistance, food stamps, and fuel assistance at both the federal and Vermont state levels. Contact information is provided for learning more about various Vermont health programs.
FSAs can do some heavy lifting for your benefits plan – they allow employees to save pretax dollars for healthcare costs without the price tag of other financial wellness initiatives. However, many HR professionals lack a deep understanding of the compliance requirements to offer and administer a well-rounded program for their employees.
If ACA is repealed, there will be significant implications for FSAs. Devise your strategy to:
- Accurately catch employee election changes
- Manage rollover requirements
- Determine who pays first – HSA vs FSA
- Understand COBRA’s impact on an FSA
Get coaching from benefits attorney Larry Grudzien on how to prep now for the legislative impact on FSA administration.
Webinar: Mid-Year Election Changes for Cafeteria Plansbenefitexpress
Let's talk about cafeteria plans. When can participants make election changes?
While cafeteria plans can be a great option for employees wishing to pick and choose benefits based on cost, when and how to facilitate election changes outside of open enrollment can be tricky to navigate for employers. As the use of cafeteria plans continue to grow, we take a deeper look at the rules and regulations of these plans, particularly as they pertain to mid-year election changes.
Pag-IBIG Benefits: Home Development Mutual Fund. Employees who can avail of housing loans as one of their Pag-IBIG Benefits from the Home Development Mutual Fund.
COVID-19 Health & Welfare: Compliance for Employersbenefitexpress
As part of our continuing ERISA Compliance series, we covered such compliance topics and more in our April 9th webinar discussing COVID-19 and updates from the IRS and DOL concerning the Families First Coronavirus Response Act.
This document provides an overview of Washington State's new Paid Family and Medical Leave Act, which creates a state-run insurance program for paid family and medical leave. Key points include: the program will be funded by payroll deductions from both employers and employees starting in 2019, with benefits available in 2020; it provides up to 12 weeks paid leave for family care and 12-18 weeks for medical leave depending on circumstances; employers with under 50 employees do not have to pay the employer premium share. The document also discusses eligibility requirements, qualifying reasons for leave, notice requirements, job protection provisions, and enforcement.
Medicare & Employer Health Coverage - a Coordination Conversationbenefitexpress
Let's talk about Medicare and Employer Health Coverage. The rules on coordinating Medicare and employer coverage can be complex. How it complements other programs (such as COBRA, HSAs and the ACA) are also areas of question for both employees and their employers.
Melisa Mysliwiec's presentation addresses social security benefits for children with disabilities for both themselves and their families and the proper steps to claim supplemental security income. Other insights from her talk included:
- Eligibility for Supplemental Security Income for Children with Disabilities
- Resources Included in Supplemental Security Income
- Proper Steps for Supplemental Security Income for Disabled Adult Children
- Correct Methods for Contacting the Social Security Administration
For more information on creating and revising plans for children with disabilities, contact attorney Melisa M.W. Mysliwiec at mmysliwiec@fraserlawfirm.com or 616-301-0800.
The document discusses common myths about credit reports and scores. It asserts that inaccurate, obsolete, or unverifiable information can be challenged and removed from credit reports under the Fair Credit Reporting Act. The document also outlines the credit restoration process, which involves disputing negative items on credit reports every 45 days to have them removed. Credit restoration services are offered for $499 along with other financial products.
The document summarizes recent developments in California workers' compensation news from October 2010 blog posts. It discusses how the state budget stalemate may cause some to lose benefits, amendments to required workplace notices, a case where a $56 dispute over attorney fees ended up costing much more, an audit finding mismanagement of claims costing Los Angeles millions, and a case where a bank teller was denied ongoing benefits after suffering a heart attack during an armed robbery.
Tax Facts to Successfully Navigate the Families First Coronavirus Response ActCitrin Cooperman
The document discusses key aspects of the Families First Coronavirus Response Act, including provisions for emergency paid sick leave and expanded family and medical leave, employer tax credits to help cover costs, and guidance for employers on implementing remote work arrangements and addressing workforce reductions during the COVID-19 pandemic. It also reviews Section 139 tax-free disaster relief payments that employers can provide employees.
Beginning in 2014, ACA's individual mandate requires most individuals to obtain acceptable health insurance coverage or pay a penalty. A hardship exemption is available for individuals who have suffered a hardship with respect to the capability to obtain coverage under a qualified health plan.
Coronavirus Aid, Relief and Economic Security (CARES) Act & Families First Co...Parsons Behle & Latimer
This document summarizes a webinar about the Coronavirus Aid, Relief, and Economic Security (CARES) Act and the Families First Coronavirus Response Act. It provides an overview of the following:
- The webinar format and presenters covering various aspects of the Acts.
- Key provisions of the CARES Act including the $349 billion Paycheck Protection Program for small business loans, loan forgiveness terms, tax credits and delays, student loan and disaster relief payments.
- Provisions of the Response Act including expanded paid sick leave and FMLA leave for child care reasons during school/daycare closures due to COVID-19.
(1) The document is a general forbearance request form for the William D. Ford Federal Direct Loan Program that allows borrowers experiencing temporary financial hardship to request suspending or reducing loan payments.
(2) The borrower identifies their hardship as financial difficulties and requests temporarily stopping payments for a period between specified dates not exceeding 12 months.
(3) By signing, the borrower certifies the accuracy of the request, agrees to provide additional documentation, and understands that interest will accrue and potentially be capitalized during the forbearance period.
Navigating the top fmla concerns evergreenjaybrodsky
Administering FMLA leave is a constant challenge for HR professionals. Determining what to do in situations involving intermittent leave, serious health conditions, notice obligations and overlapping leave policies can be time-consuming and, if handled incorrectly, can place you at risk for a lawsuit.
Be prepared! In this 90-minute webinar, attorneys Dana Connell and Michael Congiu of Littler Mendelson will explain what you need to know to navigate the complicated issues that can arise when administering FMLA leave.
CARES Act - Key Takeaways for Healthcare OrganizationsCitrin Cooperman
The document summarizes key provisions of the CARES Act for healthcare organizations. It discusses expanded coverage of COVID-19 testing and preventative services, increased Medicare reimbursement rates, suspension of Medicare sequestration cuts, postponed reductions to DSH payments, and advance Medicare payments. It also reviews expanded telehealth coverage and reimbursement, the Public Health and Social Services emergency fund, PPP loan forgiveness criteria, EIDL loans, payroll tax credits, and modifications to net operating loss deductions.
Families First Coronavirus Response Act: What it Does and How to RespondParsons Behle & Latimer
The document summarizes a webinar about the Families First Coronavirus Response Act. It discusses provisions of the act related to expanded FMLA leave, paid sick leave, and tax credits for employers. Specifically, it covers who is covered under the expanded FMLA leave, benefits provided, eligibility and benefits for paid sick leave, details of the tax credits available to employers, and considerations for terminations under the WARN Act during the COVID-19 crisis. Presenters are available to answer questions on these topics.
New York SSI and SSDI - Eligibility, Benefits, and ProceduresSaul Kobrick
"A basic understanding of the two programs may be beneficial to you, or a family member, in the event
disability does strike at some point. Learn more about ssi and ssdi in New York in this presentation."
This presentation reviews - how to determine employee eligibility, what are the qualifying reasons to take FMLA, notice requirements when employee requests leave, what coverage must continue while employee is on leave, and what if employee does not return from leave.
Covert Taxes: Spying Issues in Health & Welfare Benefitsbenefitexpress
This document discusses various types of health and welfare benefits provided by employers, including:
- Health benefits such as medical, dental, and vision care
- Disability and life insurance benefits
- Educational reimbursement plans
It provides details on tax treatment of premiums and benefits for employers and employees, and nondiscrimination rules to ensure plans do not unfairly benefit higher-paid employees.
Proving Grounds: Answer the Call with Effective FMLA Administrationbenefitexpress
The DOL released a new employer guide to the Family and Medical Leave Act this year, but many employers have unanswered questions. Administrating FMLA is a tricky topic; learn to navigate the regulations with ease. From major regulatory changes to the day-to-day questions, HR and benefit managers have, ERISA attorney Larry Grudzien covers everything you need to know right now to legally administrate FMLA leave.
The document provides an overview of various federal, state, and local benefits programs available to individuals with disabilities or low incomes. It summarizes the eligibility requirements and services provided by key programs like Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), Medicare, Medicaid, housing assistance, food stamps, and fuel assistance at both the federal and Vermont state levels. Contact information is provided for learning more about various Vermont health programs.
FSAs can do some heavy lifting for your benefits plan – they allow employees to save pretax dollars for healthcare costs without the price tag of other financial wellness initiatives. However, many HR professionals lack a deep understanding of the compliance requirements to offer and administer a well-rounded program for their employees.
If ACA is repealed, there will be significant implications for FSAs. Devise your strategy to:
- Accurately catch employee election changes
- Manage rollover requirements
- Determine who pays first – HSA vs FSA
- Understand COBRA’s impact on an FSA
Get coaching from benefits attorney Larry Grudzien on how to prep now for the legislative impact on FSA administration.
Webinar: Mid-Year Election Changes for Cafeteria Plansbenefitexpress
Let's talk about cafeteria plans. When can participants make election changes?
While cafeteria plans can be a great option for employees wishing to pick and choose benefits based on cost, when and how to facilitate election changes outside of open enrollment can be tricky to navigate for employers. As the use of cafeteria plans continue to grow, we take a deeper look at the rules and regulations of these plans, particularly as they pertain to mid-year election changes.
Pag-IBIG Benefits: Home Development Mutual Fund. Employees who can avail of housing loans as one of their Pag-IBIG Benefits from the Home Development Mutual Fund.
COVID-19 Health & Welfare: Compliance for Employersbenefitexpress
As part of our continuing ERISA Compliance series, we covered such compliance topics and more in our April 9th webinar discussing COVID-19 and updates from the IRS and DOL concerning the Families First Coronavirus Response Act.
This document provides an overview of Washington State's new Paid Family and Medical Leave Act, which creates a state-run insurance program for paid family and medical leave. Key points include: the program will be funded by payroll deductions from both employers and employees starting in 2019, with benefits available in 2020; it provides up to 12 weeks paid leave for family care and 12-18 weeks for medical leave depending on circumstances; employers with under 50 employees do not have to pay the employer premium share. The document also discusses eligibility requirements, qualifying reasons for leave, notice requirements, job protection provisions, and enforcement.
Medicare & Employer Health Coverage - a Coordination Conversationbenefitexpress
Let's talk about Medicare and Employer Health Coverage. The rules on coordinating Medicare and employer coverage can be complex. How it complements other programs (such as COBRA, HSAs and the ACA) are also areas of question for both employees and their employers.
Melisa Mysliwiec's presentation addresses social security benefits for children with disabilities for both themselves and their families and the proper steps to claim supplemental security income. Other insights from her talk included:
- Eligibility for Supplemental Security Income for Children with Disabilities
- Resources Included in Supplemental Security Income
- Proper Steps for Supplemental Security Income for Disabled Adult Children
- Correct Methods for Contacting the Social Security Administration
For more information on creating and revising plans for children with disabilities, contact attorney Melisa M.W. Mysliwiec at mmysliwiec@fraserlawfirm.com or 616-301-0800.
The document discusses common myths about credit reports and scores. It asserts that inaccurate, obsolete, or unverifiable information can be challenged and removed from credit reports under the Fair Credit Reporting Act. The document also outlines the credit restoration process, which involves disputing negative items on credit reports every 45 days to have them removed. Credit restoration services are offered for $499 along with other financial products.
The document provides information about applying for Social Security disability benefits. It discusses deciding whether to apply by considering if the applicant is working, capable of working, has a severe medical impairment, and if the impairment will last over 12 months. It also outlines the application process of applying in person, by phone, or online and information needed. Tips are provided for completing applications and submitting medical records. Timelines for applying and waiting for a decision are also reviewed.
United Credit Education Services reveals the 10 myths about credit and the credit reporting agencies. Credit Restoration is legal thats why we have the Credit Repair Organization Act.
The document summarizes an agenda for a credit restoration and education seminar. It covers topics like common credit errors, credit reporting agencies, credit scores, establishing credit through secured credit cards, budgeting, and the services provided by NCES to help attendees improve their credit and finances. The overall goal of NCES is to educate people on credit pitfalls and empower them to build assets rather than liabilities through navigating their finances confidently.
This presentation provides an overview of the road map needed to avoid the land mines and traps related to Medicaid. Proper planning is needed to preserve a legacy, cover final expenses and still be eligible for all available Medicaid benefits.
The document summarizes new federal and New York state leave laws relating to coronavirus. It discusses the Families First Coronavirus Response Act which provides 80 hours of paid sick leave for COVID-19 related reasons and expands the FMLA. It also covers New York's COVID-19 emergency sick leave law which provides additional paid leave for those under mandatory quarantine. The document provides details on eligibility, reasons for leave, wage rates and employer reimbursement under the new laws.
What you can do online at the social security administration websitemosmedicalreview
The SSA provides retirement and disability benefits, the latter granted based on a chart review, to applicants. Here is what you can do via SSA’s website.
What you can do online at the social security administration websitemosmedicalreview
The SSA provides retirement and disability benefits, the latter granted based on a chart review, to applicants. Here is what you can do via SSA’s website.
No matter how old you are, if you find yourself unable to work due to certain medical disability, you may be eligible to apply for the Social Security Administration claim.
COVID-19 - How Staffing Companies Can Navigate the CrisisCitrin Cooperman
The document summarizes information from two webinars on how staffing companies can navigate the COVID-19 crisis. It discusses cash management strategies, borrowing options, staffing level considerations, and provisions from the Families First Act and CARES Act. Key points include cash forecasting, accessing lines of credit and government funding, determining optimal staffing levels, paid sick leave and family leave requirements, employer payroll tax deferrals and refundable employee retention credits.
Universal credit provides a single monthly payment for those on a low income or out of work, replacing several existing benefits. It includes support for housing costs, children, childcare and disabilities. Those claiming universal credit must meet certain criteria regarding their income, savings, and circumstances. Alternative payment arrangements like direct payment of rent to landlords are available for those unable to manage monthly payments. Claimants have work-related requirements depending on their circumstances, and can face sanctions for not meeting these requirements.
UNDERWRITING GUIDELINES
(Applicant and Income Requirements)
Guaranteed Rural Housing Loan Program
United States Department of Agriculture Rural Development
This document discusses adoption tax credits at the federal and state level. At the federal level, taxpayers can claim a non-refundable tax credit of $12,970 per adopted child. Some expenses are qualified to claim the credit. The credit phases out for higher incomes. Employers may also provide up to $12,970 in adoption benefits exempt from income. Michigan is working to restore its state adoption tax credit.
This document provides guidance on defining, preventing, and reporting fraud involving federal education grant funds. It defines fraud and the two types - civil and criminal. It discusses who commits education fraud, examples of fraud, applicable laws like the False Claims Act, and vulnerabilities in grant administration that could enable fraud. Unallowable costs under federal cost principles are also outlined. The document aims to help grant recipients and administrators identify and report potential fraud.
What You Need To Know About Borrowing For Your Educationnoblex1
You spent a lot of time researching which college you wanted to attend and which program of study you wanted to pursue. Part of choosing where you will go to school depends on what type of financial aid package the school can offer you. In most cases, you will have to take out a loan of some sort, usually federal and more frequently private alternative loans. You realize that the time you spend deciding where to go to school and what to study is part of an investment in your future. Unfortunately, a lot of times, you're not taught about the impact that borrowing to pay for education can have on your future as well.
The following information is intended as counseling material designed to help you understand what you need to know about borrowing for your education.
Awareness Is The First Step
By the time you've been approved for a loan, you are so happy to know you'll be able to attend the school of your dreams that the last thing on your mind is what impact repaying this loan will have on your future. Understanding the basics about your loan can help. You should know the amounts of all education loans, the interest rates and fees associated with taking out these loans, repayment options, as well as deferment and forbearance eligibility and consolidation procedures.
Communication With The Loan Holder Is Vital
You should always be aware of who is holding your loan. Before the loan goes into repayment, a guaranty agency, secondary market or the lender may be holding the loan. In most cases, a loan servicer is the holder of the loan. The loan servicer should be contacted in the case of a name or address change, billing statement or repayment questions, and to request deferment or forbearance. Keeping in touch with the loan servicer can prevent future problems with late payments or default, which may affect your credit report.
Late Payments
Not making a loan payment on time can result in a late charge penalty. Late charges are added to the principal and interest owed. When students fall very far behind on their payments, a collection agency or attorney may be obtained to collect the money owed. Students will have to pay any charges associated with collection activity.
Forbearance
If the borrower is unable to make regular principal and interest payments, the lender may accept interest-only payments or the student may be able to defer payments with a capitalized interest forbearance. The student should always contact their servicer to find out about forbearance on all their loans. A forbearance may be granted at the lender's discretion, but only in accordance with the guidelines. The student should contact the lender or the designated servicer immediately if they would like to obtain forbearance.
Source: https://ebookscheaper.com/2022/06/10/what-you-need-to-know-about-borrowing-for-your-education/
The document discusses 10 common myths about credit reports and credit repair. It explains that credit reporting agencies are private companies, not governmental agencies, and that inaccurate or outdated information can be legally removed from credit reports under the Fair Credit Reporting Act. It also summarizes the credit repair process and some additional services offered around credit scores, financial education, and debit/credit cards.
The document provides information about changes to Colorado's Medicaid program due to the implementation of the Affordable Care Act (ACA). Key points include:
- As of October 1st, 2013, Colorado will consolidate its medical assistance programs into one program with 45 aid codes/subcategories.
- Self-attestation of income and other eligibility factors will now be accepted, except for citizenship, identity, and immigration status.
- Cases determined eligible for Medicaid through PEAK or Connect for Health Colorado will remain assigned to MAXIMUS for ongoing case management.
- Connect for Health Colorado will determine eligibility for tax credits and subsidies for plans purchased on the state health insurance marketplace.
The document discusses strategies for asset protection planning and transferring assets to children. It advises that clients should never give assets directly to their children, as this subjects the assets to risks from the children's creditors, divorces, lawsuits, etc. Instead, it recommends using an Irrevocable Pure Grantor Trust (IPUGT), which allows the grantor to control and benefit from trust assets while protecting them from their own creditors. The IPUGT provides better protection than outright gifts while still providing benefits to children after the grantor's death.
Similar to Student Loan Discharge due to Disability (20)
Rasamanikya is a excellent preparation in the field of Rasashastra, it is used in various Kushtha Roga, Shwasa, Vicharchika, Bhagandara, Vatarakta, and Phiranga Roga. In this article Preparation& Comparative analytical profile for both Formulationon i.e Rasamanikya prepared by Kushmanda swarasa & Churnodhaka Shodita Haratala. The study aims to provide insights into the comparative efficacy and analytical aspects of these formulations for enhanced therapeutic outcomes.
These lecture slides, by Dr Sidra Arshad, offer a quick overview of the physiological basis of a normal electrocardiogram.
Learning objectives:
1. Define an electrocardiogram (ECG) and electrocardiography
2. Describe how dipoles generated by the heart produce the waveforms of the ECG
3. Describe the components of a normal electrocardiogram of a typical bipolar lead (limb II)
4. Differentiate between intervals and segments
5. Enlist some common indications for obtaining an ECG
6. Describe the flow of current around the heart during the cardiac cycle
7. Discuss the placement and polarity of the leads of electrocardiograph
8. Describe the normal electrocardiograms recorded from the limb leads and explain the physiological basis of the different records that are obtained
9. Define mean electrical vector (axis) of the heart and give the normal range
10. Define the mean QRS vector
11. Describe the axes of leads (hexagonal reference system)
12. Comprehend the vectorial analysis of the normal ECG
13. Determine the mean electrical axis of the ventricular QRS and appreciate the mean axis deviation
14. Explain the concepts of current of injury, J point, and their significance
Study Resources:
1. Chapter 11, Guyton and Hall Textbook of Medical Physiology, 14th edition
2. Chapter 9, Human Physiology - From Cells to Systems, Lauralee Sherwood, 9th edition
3. Chapter 29, Ganong’s Review of Medical Physiology, 26th edition
4. Electrocardiogram, StatPearls - https://www.ncbi.nlm.nih.gov/books/NBK549803/
5. ECG in Medical Practice by ABM Abdullah, 4th edition
6. Chapter 3, Cardiology Explained, https://www.ncbi.nlm.nih.gov/books/NBK2214/
7. ECG Basics, http://www.nataliescasebook.com/tag/e-c-g-basics
Basavarajeeyam is a Sreshta Sangraha grantha (Compiled book ), written by Neelkanta kotturu Basavaraja Virachita. It contains 25 Prakaranas, First 24 Chapters related to Rogas& 25th to Rasadravyas.
Here is the updated list of Top Best Ayurvedic medicine for Gas and Indigestion and those are Gas-O-Go Syp for Dyspepsia | Lavizyme Syrup for Acidity | Yumzyme Hepatoprotective Capsules etc
Local Advanced Lung Cancer: Artificial Intelligence, Synergetics, Complex Sys...Oleg Kshivets
Overall life span (LS) was 1671.7±1721.6 days and cumulative 5YS reached 62.4%, 10 years – 50.4%, 20 years – 44.6%. 94 LCP lived more than 5 years without cancer (LS=2958.6±1723.6 days), 22 – more than 10 years (LS=5571±1841.8 days). 67 LCP died because of LC (LS=471.9±344 days). AT significantly improved 5YS (68% vs. 53.7%) (P=0.028 by log-rank test). Cox modeling displayed that 5YS of LCP significantly depended on: N0-N12, T3-4, blood cell circuit, cell ratio factors (ratio between cancer cells-CC and blood cells subpopulations), LC cell dynamics, recalcification time, heparin tolerance, prothrombin index, protein, AT, procedure type (P=0.000-0.031). Neural networks, genetic algorithm selection and bootstrap simulation revealed relationships between 5YS and N0-12 (rank=1), thrombocytes/CC (rank=2), segmented neutrophils/CC (3), eosinophils/CC (4), erythrocytes/CC (5), healthy cells/CC (6), lymphocytes/CC (7), stick neutrophils/CC (8), leucocytes/CC (9), monocytes/CC (10). Correct prediction of 5YS was 100% by neural networks computing (error=0.000; area under ROC curve=1.0).
Promoting Wellbeing - Applied Social Psychology - Psychology SuperNotesPsychoTech Services
A proprietary approach developed by bringing together the best of learning theories from Psychology, design principles from the world of visualization, and pedagogical methods from over a decade of training experience, that enables you to: Learn better, faster!
1. Student Loan Discharge Due to
Disability
Presented to the Social Security Lawyers Section Seminar, February 2014
Presented by B. Thomas Golden
2. How does this relate to Social Security?
Federal regulations changed in 2013 to allow for the discharge of qualified federal student
loans if the applicant has a Notice of Award from the Social Security Administration that
indicates the case will not be reviewed for at least 5 years.
In reality, very few cases have a 5 or more diary date.
One Social Security employee stated that 5 to 7 year diary dates are for blind people or those
with advanced cancer – things that have a very low probability of getting better.
A peek through a pile of award letters showed about 1 in 5 awards will fit in. This was a small
sample files and may be way off the mark. Nobody under 50 in my sample had a 5 or more year
diary date.
3. What loans qualify?
Federal Student Loans - YES
William D. Ford Federal Direct Loan (Direct Loan) Program loans;
Federal Family Education Loan (FFEL) Program loans;
Federal Perkins Loan (Perkins Loan) Program loans; and
TEACH Grant service obligations.
Private Student Loans– NO
If you are not sure if a loan is federal or private, you can check
http://www.nslds.ed.gov/nslds_SA/ or simply call the lender and ask.
4. What is “disabled?”
28 USC § 1087
The Secretary shall discharge the borrower’s liability on a student loan if a student borrower
who has received a loan described in subparagraph (A) or (B) of section 1078(a)(1) of this
title
Dies, or
Becomes permanently and totally disabled (as determined in accordance with
regulations of the Secretary), or
Is unable to engage in any substantial gainful activity by reason of any medically
determinable physical or mental impairment
that can be expected to result in death,
has lasted for a continuous period of not less than 60 months, or
can be expected to last for a continuous period of not less than 60 months , or
has been determined by the Secretary of Veterans Affairs to be unemployable due to a
service-connected condition
5. What is “disabled?”
34 CFR § 682.200 Definitions (each type of student loan has its own regulations in the CFR)
Totally and permanently disabled. The condition of an individual who—
(1) Is unable to engage in any substantial gainful activity by reason of any medically
determinable physical or mental impairment that—
(i) Can be expected to result in death;
(ii) Has lasted for a continuous period of not less than 60 months; or
(iii) Can be expected to last for a continuous period of not less than 60 months; or
(2) Has been determined by the Secretary of Veterans Affairs to be unemployable due to a
service-connected disability.
Substantial gainful activity. A level of work performed for pay or profit that involves doing
significant physical or mental activities, or a combination of both.
6. Application Process
What the regulations say:
The borrower or representative must notify the Secretary of the intent to apply for TPD.
If you notify a lender, the lender must then direct the borrower to notify the Secretary.
Actually a good idea, because the Secretary can determine each lender/servicer and then
direct each lender/servicer to suspend collection activity for no more than 120 days.
The borrower is told that the stay will end after 120 days and collection will resume on the loans if
the borrower does not submit a total and permanent disability discharge application to the
Secretary within that time.
7. Application Process
In reality:
Call Nelnet, the corporation chosen to administer this program.
Call Nelnet at 888.303.7818 from 8:00 a.m. to 8:00 p.m.
Email Nelnet at DisabilityInformation@Nelnet.net.
Start the process online at https://secure.disabilitydischarge.com/registration
If you are going to jump in and represent somebody, you need to complete the Total and
Permanent Disability Discharge: Applicant Representative Designation form.
9. How to Prove Disability
The application must contain— (also covered in the Application)
An SSA notice of award for Social Security Disability Insurance (SSDI) or Supplemental
Security Income (SSI) benefits indicating that the borrower's next scheduled disability
review will be within five to seven years
OR
A certification by a physician, who is a doctor of medicine or osteopathy legally
authorized to practice in a State, that the borrower is totally and permanently disabled as
described in paragraph (1) of the definition of that term in § 682.200(b)
The borrower must submit the application described in paragraph (c)(2)(iv) of this section to the
Secretary within 90 days of the date the physician certifies the application
OR
Proof of unemployability from the VA.
10. Decision making process
The Department of Education refers individuals with inquiries on this process to contact
Nelnet.
Department does not keep statistics on approval/denial rates.
Department stated that a Nelnet employee does make the discharge decision.
Department did not have any information as to the qualifications or job title of the employee
making the decision.
Multiple phone calls and emails to Nelnet seeking information on the procedures and
documentation used in the disability discharge process were ignored.
11. Results - Approval
Approved
Your eligible loans are discharged.
You will receive a 1099-C.
You win a three year monitoring period (unless it was a VA unemployability case)
You must:
Promptly notify the Secretary of any changes in the borrower's address or phone number;
Promptly notify the Secretary if the borrower's annual earnings from employment exceed $15,730 (higher
in AK and HI), or whatever that year’s poverty level for a family of two is;
Provide the Secretary, upon request, with documentation of the borrower's annual earnings from
employment, on a form approved by the Secretary; or
Promptly notify the Secretary if the borrower receives a notice from the SSA indicating that the borrower
is no longer disabled or that the borrower's continuing disability review will no longer be the five- to
seven-year period indicated in the SSA notice of award for SSDI or SSI benefits.
12. Results - Denial
Denied
Request re-evaluation
File new application
For re-evaluations and new applications:
If the borrower requests re-evaluation in accordance with paragraph (c)(3)(v)(D) of this section or
submits a new total and permanent disability discharge application in accordance with paragraph
(c)(3)(v)(E) of this section, the request must include new information regarding the borrower's disabling
condition that was not provided to the Secretary in connection with the prior application at the time the
Secretary reviewed the borrower's initial application for a total and permanent disability discharge.
Contact the Federal Student Aid Ombudsman Group at (877) 557-2575
You could file a federal lawsuit.
Where you will be a legal trailblazer. The only lawsuit I could find regarding this process what the lawsuit
that pushed the Department of Education to make the 2013 changes. The suit alleged due process
violations with respect to the process and outcome of the disability discharge process. Then again, if
you have exhausted the administrative process, what is stopping you?
13. How to lose your discharge
The Department will reinstate your obligation to repay your discharged federal student loans
or if at any time during the 3-year monitoring period:
You have annual employment earnings that exceed the Poverty Guideline amount for a
family of two in your state, regardless of your actual family size;
You take out a new federal student loan;
You got federal student loan money after you filed an application for TPD then failed to
return of the full amount of the disbursement within 120 days of the disbursement date; or
You receive a notice from the SSA stating that you are no longer totally and permanently
disabled, or that your disability review will no longer be the 5-year or 7-year review period
indicated in your most recent SSA notice of award for Social Security Disability Insurance
(SSDI) or Supplemental Security Income (SSI) benefits.
14. Is Disability Discharge a Good Idea?
Sometimes it is a great idea. Sometimes it might make things worse.
The Department of Education states that a 1099-C will be issued for individuals who have
student loans discharged due to disability.
This could cause a substantial tax burden on your client.
The IRS can levy federal benefits to satisfy a tax obligation.
Avoid the 1099-C tax problem by proving insolvency to the IRS.
Make sure to have your client get the insolvency advise from a competent tax professional.
IRS website has some insolvency information about IRS Form 982.
15. Other Options
PAYE – Pay As You Earn. Only if all federal loans were disbursed after October 1, 2007.
Payment is 10% of income above 150 percent of the federal poverty level for family size.
Unpaid loans discharged after 10 years for public service workers, 20 years, for all others.
IBR – Income Based Repayment.
15%, of the excess of income over 150% of the poverty line for family size.
Unpaid loans discharged after 10 years for public service workers, 25 years, for all others.
Bankruptcy.
File adversary proceeding in bankruptcy to show that payment of the debt will impose an undue
hardship on the debtor and dependents.
16. Disclaimer
|
Contact Information
The statutes, regulations, and other materials referenced in this presentation may have
been copied, pasted, edited, emphasized, misconstrued, and/or altered. The information
may be worth exactly what you paid for it. Please don’t rely on this information without
verification from the original source.
If you have questions, comments, or concerns, I can be reached by email at
tom@getmyssi.com.