Social Security Disability Claim Difficulties

Marken Law Group, PS, has helped hundreds obtain Social Security Disability benefits and Supplemental Security Income benefits. We do not charge a fee unless you obtain the benefits you deserve! Below is a short, and not all-inclusive description of some pitfalls you might experience while bringing your Social Security disability claim on your own.

First, the most pressing, and important, is YOUR responsibility to make sure YOUR medical record has been properly submitted to Social Security. When you are going to be in front of an administrative law judge, it is YOUR responsibility to obtain ALL medical records pertinent to your disability claim. Many people believe it is Social Security’s responsibility to obtain your medical records. At the hearing level, it is YOUR responsibility. Do not be misled by the fact they have obtained records previously, they likely do NOT have your complete medical file and are missing important updates! In the end, the administrative law judge will be basing their decision on what is in the medical record and to offer the best chance of a favorable decision, every document needs to be in the file!

Secondly, the work history is a VERY important document, answer very carefully. You might believe the “Function Report” is the more important document but it is not. The “work history” report can very well determine whether or not you will disabled due to what is termed the “GRID Rules.” The administrative law judge and vocational expert at your hearing will be DISSECTING your work history report document to find the exertion level of the work performed in the past.

Thirdly, if your doctors write statements regarding your disability, generic statements or letters that “JOHN DOE CANNOT WORK,” will NOT work and be rejected by Social Security. What Social Security will want from your doctor is a specific diagnosis and SPECIFIC opinions regarding SPECIFIC exertion limitations.

Example of an excellent doctor’s opinion: John Doe has a diagnosis of degenerative disc disease of his lumbar spine and it is my opinion he can lift and/or carry no more than 15 pounds, can stand and/or walk no more than 2 hours in an eight-hour day.

Example of a pointless doctor’s opinion: John Doe can’t work because of his back and hip pain.

Finally, a last pitfall is drug/alcohol use. As indicated with alcohol, this includes legal drugs such as marijuana (in some states) and opioid pain medication. If any record indicates an abuse, or excessive use of these drugs, you might have a difficult time obtaining benefits. While some years ago, judges would expect you to be on opioid pain medication to substantiate your allegations of pain, it is not largely viewed as an addictive drug that is harmful to your health.

Marken Law Group, PS, does NOT charge a fee unless you obtain Social Security Disability benefits. Call today for a free consultation! Click the link below. 

Marken Law Group - Social Security Claims

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What Does the IT Industry Mean?What Does the IT Industry Mean?

IT industry encompasses many fields that cover every aspect of technology, such as computer technical support, Business software development and information security.

https://www.helpdeskit.net/what-is-it-industry-meaning

IT (information technology) refers to both the company's IT department and its duties, with this article exploring topics such as its definition, different IT-based companies' departments, and special responsibilities associated with IT security.

Information Technology

information technology (IT) is an expansive field, covering numerous tech disciplines from networking and security to data management and software applications. IT also encompasses newer technologies like artificial intelligence, cloud computing and mobile technology which may be applied within business operations.

Information technology (IT) is vital to almost every business today. From street vendors selling lemonade on sidewalks to Fortune 500 companies hosting webcasts, IT is integral for businesses of all kinds to survive in today's globalized environment.

IT industry employees possess an array of different skills and abilities. IT professionals often collaborate closely in developing, installing and maintaining digital infrastructures of companies. If an IT department determines that an essential software application requires greater availability in order to support revenue or business continuity initiatives, their team may develop a high-availability cluster solution.

Information Systems

Information systems refers to networks and interconnected components that gather, organize and make data useful in supporting an organization's decision-making processes. These systems include both hardware and software components; however, people and procedures also play a part.

Hardware is at the core of an information system (IS), including computers and servers that serve as its foundation. Keyboards and scanners allow people to input data and information directly into it. Telecommunications networks connect all these pieces of hardware together for smooth operations of an IS.

Software is the final component of an information system, telling both its hardware and users how it should work. Software can help automate repetitive tasks or other manual procedures previously requiring human involvement; additionally, it can speed up and enhance quality work within organizations. Examples include operating systems, database programs and word processing applications.

Information Management

Information management refers to an organized set of activities related to gathering, storing and disseminating data in order to add value for its stakeholders. Applications of information management range from business planning automation and efficiency gains through to creating a forum for communication among supply chain parties involved in supply chain management. Many professionals pursue degrees in management information systems (MIS) in order to further their careers.

Effective project-based working hinges on accurate and timely capture and recording of information in various forms – documents, images and drawings among them. Information organisation involves collecting and recording this information as soon as it arrives from various sources; then assuring its quality before safely storing and making available to various stakeholders according to organisational information management policies; in some instances this data will eventually become outdated or no longer required based on legal requirements or become archived or destroyed due to superseding information or supersedes being superseded.

Information Security

Information security (InfoSec) is a broad field that encompasses several tools and policies for safeguarding confidential data at rest, in transit and during use; physical security such as locking away sensitive equipment and safeguarding facilities also fall within its purview.

Businesses should implement information security measures to safeguard their assets against hackers and other threats, such as authentication, encryption and backups. In addition, such measures can also help monitor and detect suspicious activity.

Establishing effective information security systems requires a combination of technology, procedures and people. This includes creating security policies and ensuring employees adhere to them. Companies should also establish backup systems in case of disasters such as database corruption or software malfunction. In-house SOCs with dedicated employees or virtual SOCs managed by third parties offer lower upfront costs and greater flexibility than more permanent solutions.

11 Types of Checking Accounts11 Types of Checking Accounts

Checking accounts allow you to access and withdraw your funds. Unlike savings accounts, they don’t have a limit. Some checking accounts can also bear interest, granted that you keep to the minimum balance requirement.

However, there many types of checking accounts. If you plan to open a checking account, you may want to know where to put your Money’s worth.

people talking about checking accounts

The Types of Checking Accounts

Checking accounts from different banks and credit unions vary in features. Some may have higher interest rates. Others can have limitations due to the customer’s overdraft history. Below are the types of checking accounts in a bank or credit union near you. 

 

Traditional Checking Account

Best for: people paying bills or doing online shopping and other debit transactions.

The traditional checking account is a great start for creating a reliable foundation for your money. 

Advantages

Disadvantages

  • Written checks
  • Debit or ATM card
  • Pay or buy online
  • Overdraft protection (optional)
  • Dividends are low (credit union checking accounts have slightly higher dividends)
  • Some have a monthly maintenance fee

 

Premium Checking Account

Best for: People with a five-figure balance or more.

Premium accounts have higher perks but also higher fee balances and penalties. 

Advantages

Disadvantages

  • Better perks, rewards, and freebies than traditional accounts
  • Earn slightly higher interest than traditional accounts
  • Requires high minimum balance
  • Has higher fee penalties

A premium checking account has a slightly higher flat interest than traditional checking accounts. However, other accounts, such as the money market and certificate of deposit, may be better options for investing.

 

Student Checking Account

Best for: Students aged 18-23

The student checking account is a great start for young adults to get their first bank account. It is best to read the conditions that will happen to the account once the owner passes the age limit. 

Advantages

Disadvantages

  • Lesser fees than traditional checking accounts
  • Greater grace periods for overdrafts.
  • Some banks automatically switch the account to a traditional one upon reaching the age limit. 

 

Senior Checking Account

Best for: People aged 55 or 60 and older.

The senior checking account is for retired people or those living on a fixed income. The account has no monthly maintenance fees and has perks designed for seniors.

Advantages

Disadvantages

  • No monthly maintenance fees.
  • Has perks for older adults.
  • Other accounts may suit the older adult’s financial goals.

 

Interest-bearing Account

Best for: People with a large maintaining balance.

An interest-bearing account gives small monthly returns. The interest can be flat regardless of your balance. The account can also pay more the higher your balance.

Advantages

Disadvantages

  • The interest can be flat or higher than the account balance. 
  • No withdrawal limits
  • Charges may be larger than interests

If you cannot cover the charges, look for checking accounts that give monthly dividends instead.

 

Business Checking Account

Best for: business owners

A business checking account is designed to help with the financial management of a business owner.

Advantages

Disadvantages

  • Includes business tools, such as online invoicing.
  • Includes freebies, such as writing several checks for free.
  • Charges may be larger than a traditional checking account.

 

Other Checking Accounts

The mentioned checking accounts above are common in most banks. There are more types of checking accounts that are not as common.

Type of Checking Account Best For
Rewards Checking People who often use debit cards.
Private Bank Checking People looking for a private banker,
Second-chance Checking People denied of the traditional checking account
Free Checking Accounts People who don’t want balance requirements and monthly maintenance fees. (Some banks and credit unions offer free checking accounts with a return, like the Kasasa High-Dividend Cash Checking Account.)
Low-Balance Checking Accounts People who can only maintain a low balance minimum requirement.

 

Which Type of Checking Account Is For You?

When choosing a checking account, you must consider your convenience and specific features. What minimum balance can you afford? Do you agree with the fees? Are the rewards something you have use of?

Beyond that, there are diverse accounts to cover each individual’s different needs. There are student accounts for young adults and even senior accounts for those who have retired. There are even accounts that allow you to invest. From the types of checking accounts above, which one suits your needs the most?

To learn more information, please check out Canopy Credit Union 

 

The Dynamic Role of an SEO Marketing ManagerThe Dynamic Role of an SEO Marketing Manager

The Dynamic Role of an SEO Marketing Manager

Ever wondered what exactly does an SEO Marketing Manager do? Or for that matter, what does “SEO” even stand for? Well, you’ve come to the right place! By the end of this blog, not only will you understand the nitty-gritty of this role, but you might also want to become an SEO Marketing Manager yourself!

A Glimpse into the World of Marketing

There’s a popular saying in the business world: “Nothing Happens until Someone Sells Something.” And guess what? This is where “marketing” comes to the rescue. Marketing is the backbone of any booming business. It’s an umbrella term that encompasses everything from identifying customer needs, creating a product or service to meet those needs, promoting the product, selling, and delivering it. Simply put, without marketing, businesses would cease to exist!

The Backbone of Modern Marketing: SEO

Hold on! So what on earth is SEO, and why do we even need it? SEO stands for “Search Engine Optimization“. It’s the wizardry that brings your website to the forefront when someone types in a related query into Google, Bing, or any other search engine. In the age of information overload, it is the secret key that opens the door to visibility and engagement in the digital space.

Enter the SEO Marketing Manager

Now that we’ve had a whirlwind tour of digital marketing and SEO, let’s introduce the rockstar who brings it all together—the SEO Marketing Manager.

The Jack-of-all-Trades: SEO Marketing Manager

Have you always fancied being the conductor of an orchestra? Or perhaps, the captain of a ship? If yes, consider the role of an SEO Marketing Manager. From conducting keyword research, strategizing the SEO plan, coordinating content production to analyzing the effectiveness of SEO campaigns, an SEO Marketing Manager does it all!

The Blend of Creativity and Analytics

Here’s the fun part, no two days look the same in the life of an SEO Marketing Manager. One day you might be brainstorming with the content team about the next viral blog post. The next day, you could be knee-deep in reviewing website analytics and customer engagement metrics. It’s an exciting blend of creativity and data-driven decision making that keeps you on your toes! You’re steering the ship, navigating through the vast ocean of digital marketing. It’s challenging, but rewarding.

Why Should You Consider Becoming an SEO Marketing Manager?

In an era dominated by digital platforms, the demand for SEO Marketing Managers is skyrocketing. It’s a fulfilling and dynamic profession that presents opportunities to learn, grow and make an impact. It adds a tangy twist of creativity to the meat and potatoes of data analytics. So why not jump on the digital marketing bandwagon and steer your career towards becoming an SEO Marketing Manager?

Takeaway

Taking the plunge into the dynamic world of SEO marketing requires a combination of creativity, analytical skills, and above all, passion. The journey might seem daunting, but remember, every great journey begins with a single step. So why not take that first step today and dive into the world of SEO marketing? Trust me; it’s worth the plunge!