Disability and Bankruptcy

For those with a disability resulting in costly medical bills, opting for bankruptcy may be a solution for relief from these bills. However, many are unfamiliar with the bankruptcy process and with the impacts the process has (and doesn’t have) on their financial assets.

It is no surprise that individuals are concerned about the bankruptcy process. After all, a sound financial situation allows those with disabilities to take care of their medical needs both in the present and future. For these reasons, I decided to compile some information about going through the bankruptcy process as a disabled person. Keep reading below! It may end up helping you or a loved one in the future! 

The Impact on Disability Benefits

Disabled Americans are entitled to compensation from the federal government through Social Security Disability Insurance or Supplemental Security Income benefits. Additionally, disabled individuals may receive benefits from state or private programs. 

Usually, the disability benefits received are protected from being seized during the bankruptcy process. However, there are some exceptions. These exceptions may depend on a variety of factors, including: 

  • The type of bankruptcy that you file
  • Where your benefits are coming from 
  • If you receive ongoing benefit payments or a lump sum payment for past benefits
  • Exemption rules in your state

Regarding the last point, it is important that you learn about the specific exemption rules in your state because they may impact what you are able to keep during your bankruptcy experience. 

SSDI Benefits and Chapter 7 Bankruptcy 

Most people file a Chapter 7 Bankruptcy, which means the court sells your assets not protected by an exemption and spreads out the profits from your creditors. Point number three in the above list becomes extremely relevant here. If you routinely receive monthly benefits for your disability, you will usually be allowed to keep them as the bankruptcy judge will understand that debtors use this money to sustain themselves as they are unable to work. However, if you receive a lump-sum payment for past disability benefits you are entitled to, you must prove that this was an SSDI benefit. You do this by tracing the deposit. Though most jurisdictions will exempt a lump sum payment, in other jurisdictions the trustee will be able to take a portion of your lump-sum payment. 

Contacting An Attorney

If you are disabled and are thinking about initiating the bankruptcy process, one of the best things you can do is reach out to a bankruptcy attorney. An attorney will be able to answer all of your questions, especially questions about whether your disability benefits will be protected during the process. As the rules vary depending on the jurisdiction, it is important to reach out to a bankruptcy attorney in your particular area for the most accurate and reliable information. 

Getting Married on the Water?

So much more goes into planning a wedding than initially meets the eye. Aside from setting a date and picking out a dress, there are roughly six thousand things that the happy couple has to plan for before they can have their happily ever after.

They have to send invitations, pick the right color scheme, and let’s not forget the most important part: they have to pick the right location. The wrong location could mean disaster on the married couple’s special night. Too small a venue and their guests may start to feel cramped. Too big and they will be paying it off for years to come.

Of course, playing it safe could result in the guests not enjoying it as much as they could, and nothing kills a party faster than bored guests.

A lot of couples choose to keep it small and simple, getting married in a local church, which also helps with keeping in line with their family’s traditions. Alternatively, other couples choose to skip a wedding ceremony altogether, and just sign the marriage certificate in the closest courthouse. Or, a proud few go the extravagant route and have destination weddings in Rome!

Of course, the last option would be incredibly expensive and many of their guests would likely not be able to come. Many happy couples choose a middle ground and have a large wedding in a mid-cost location. Hotels have recently become popular for weddings, and many couples decide to recite their vows at a park or garden.

But what about getting married while on the go?

Sometimes, it’s not always a destination wedding versus a nearby venue. A venue that moves with you offers both convenience and style! Getting married on a cruise ship could be the way to go for someone who wants to make a statement while also being considerate of their friends and family.

And lakefront weddings truly are the best of both worlds when it comes to practicality and elegance. Anita Dee Yacht Charter offers yacht rentals on Lake Michigan for those in the Chicago area looking for a unique way to start their marriages. Yacht rentals have come into popularity in the last few years as a fun way to host events.

From a classy twist on your traditional architectural tour to a sprawling family reunion, a cruise around the lake-line is a surefire way to make sure all your guests have an enjoyable time! In addition to being a one-of-a-kind location, cruise ships are also great for weddings because they are already conveniently divided into sections.

The kids can go play on the deck while the adults hit up the open bar. Whether it’s a wedding, graduation, or business event you’re hosting, consider renting a yacht and having the event there! Every guest will be able to look back at the event and smile at the magic that was in the air that night.

Joint Custody Is the Best Option, But It’s Hard Work

There’s a lot that’s been written about how the best case for children is for a family to stay together, and this may in some circumstances be true. I don’t see enough written, though, about the best option when the parents can’t get along, and that is joint custody.

Joint custody involves parents getting divorced but both parents remaining a constant presence in their children’s lives. How families split up time and major life decisions depends on each individual family, but the main point is that this is the best option out there when the parents simply can’t stay together.

Joint custody, however, is hard work. To make it work, you may need some advice to navigate the trickier elements of the process. So, here are a few tips to keep in mind while you prepare for your new life as joint custody parents.

Agree to put the kids first

You probably intend to do this anyway, but don’t leave it as an assumption. Verbalize this intention and get both parties to agree. Saying it out loud can help clarify the most important part of your divorce process.

Consider a lawyer for your divorce

As the Law Offices of Baden V. Mansfield point out, divorce is an emotional process, even when both parties are in general agreement about it. When it comes to custody, you really don’t want your emotions to take over (as we’ll see below). A lawyer can remove you and your emotional hurt from the equation and help settle the process more quickly and painlessly.

Try to find the schedule that works best for all parties

This is one of the reasons you don’t want emotions involved in this process. It can be very annoying to have to continue to accommodate your soon-to-be-ex-spouse’s schedule and needs, but it’s crucial if you want to keep your kids comfortable and make sure they grow up in the best environment.

Don’t punish your spouse with custody

Again, emotions come into play here. It’s normal to want to hurt those who have hurt you, but you simply can’t let that emotion become dominant when trying to organize joint custody. You have to think of your children’s needs first, or else, get a lawyer that can do that for you.

Make the most of your time

Once a custody schedule is organized and the divorce goes through, you’ll need to make some major adjustments in life. One of those will be to make the most of the time you have with your kids. When you are all living together, it’s easy to let this focus slip by. Once you only have certain days or blocks of time with your kids, you have to make sure they always come first so they get the most from their time with you.

If you can stick to these steps, you’ll be able to provide a loving and positive family environment with both parents taking active roles in how the children grow up. When keeping the family together isn’t a good option anymore, joint custody is the best option out there, if you can make it work.

The world of workplace injuries

You may not know it, but workplace injuries are common. Not only are they common, but they can encompass a large number of possible injuries.

What do you think of when you read “workplace injury”? I bet it’s an image of something extreme, like a massive stack of newspapers falling on someone, with them lying on the ground moaning. That is, of course, one form of workplace injury, but it’s by no means the only one, nor is it necessarily the most common.

And sure, serious injuries like broken bones and even things like limb amputation do happen, particularly in some more dangerous industries, but far more common, and far more overlooked are the less dramatic types of injuries that we either shrug off or don’t see coming.

Did you know spraining your ankle can be a workplace injury? If you sprained it while fulfilling your duties at work, it could count. Let’s say you were required to lift a new printer and install it for your offer, and you pulled your back a bit, that’s also a workplace injury.

Other smaller injuries still worth of being called workplace injuries include bruises and cuts. Again, if you were required to install that printer and you cut yourself with the box cutter, that’s a workplace injury. A bruise when you dropped the old printer on your foot while taking it to the trash: that’s also a workplace injury.

Slow and long-term injuries like carpal tunnel are also workplace injuries, particularly if they were sustained mostly from the activities you did at work.

It’s important that we begin to recognize such accidents as deserving to be called workplace injuries because every day many people shrug off such incidents and don’t get the compensation or rest they are entitled to. If you’ve bruised your foot badly after dropping that printer, you are entitled to getting it looked at and taking the time off your doctor says is necessary. Don’t just shrug off such incidents. Don’t return to work and blame yourself. The law is set up to protect you, even if the accident is relatively minor.

A great deal of pain is struggled through by those who don’t realize their rights. A burn when walking past the deep fryer deserves to be looked at by a doctor and treated properly. If you ignore it, you may suffer from pain and end up with a scar. Don’t just laugh this off and assume no one will help ease your suffering.

Once you recognize your rights, you’ll be able to not only watch out for yourself better, but watch out for your fellow employees who may also suffer similar problems.

There are a few important notes to add at the end here: there has to be some negligence on the employers’ part to entitle compensation (not necessarily time off or a doctor’s visit, but further compensation). Also, don’t go looking for injuries to earn time off, the results can often be more devastating than you intended.

What Makes a Social Event Awesome?

When it comes to social events, all you want is a great time, preferably one you can remember. Whether it is a wedding, an after-graduation celebration, or just a party with your friends and colleagues, this is true.

But what makes a social event awesome? Well, that may depend on what kind of event it is, but all social events have some general factors in common that influence success.

Cool venue and theme

We’ve seen them all – house parties, garden weddings, and product launches in hotel function rooms. There is nothing wrong about these venues, as there are many factors at play here, such as convenience, preference, and client’s wishes. But for a truly memorable experience, you can consider opting for unique venues and themes.

For example, according to the website of the Anita Dee Yacht Charters, yachts are already being used as unique venues for events like the ones mentioned earlier. Being in a moving vessel in water, even just as an idea, is already cool in itself. There are many other awesome locations out there, ranging from the adventurous private islands to the rebellious abandoned subway stations.

Smooth flow

Momentum is an important factor in a social event. Once you get things rolling, there is no turning back, because even minor bumps along the way can result into awkward pauses, guests not knowing what to do, and guests losing interest and engagement.

You should ensure that the events run smoothly, even on the transitions. You should also ensure the smoothness of everything in between, like the consistency of the DJ, the flow of food and drinks, and the engagement to arriving guests.

Free of accidents and injuries

An accident or injury in the social event is not awesome. In fact, the occurrence of such can break the mood of the social event, warrant an early dismissal, and make the event memorable in the wrong ways.

As a host, you are partially responsible for the safety of your guests. Make sure to take away possible hazards even before the event starts. Regulate alcohol consumption to avoid fights, accidents from poor body control, and automobile collisions that may occur from drunk driving.

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