Are We Filing for Social Security Too Quickly?

These days, many people are living longer than they expect. There a significant amount of senior citizens in the 80’s and 90’s who are either in assisted living facilities or receiving regular home care. Many of these seasoned citizens didn’t expect to live past their late 60’s or early 70’s. This means that they may not have established a financial plan for this portion of their lives, and could have claimed Social Security too early. According to Forbes, about two-fifths of all Americans receive retirement benefits around the age of 62. By doing so, many American pass up their chance to get 76% higher benefits by not waiting until they are 70 to claim retirement. Only 2% of Americans start claiming Social Security retirement once they turn 70. Forbes asserts that there are three main reasons for this. The first reason is that many people are low on funds by the time they retire and needs to collect Social Security. The second reason is that Social Security tells the general public that whether we collect less money earlier or more money later, we’ll end up with the same amount on average. This is why many people don’t see the problem in collecting Social Security early. The third reason for early collection is superstition. Some people believe that by preparing for a longer life, they are asking for early death, and want to take advantage of their monetary benefits while they can. This also indicates that there are three types of people who collect Social Security early: those who have no choice, those who are relying on and being misled by what Social Security indicates, and those who feel they are preparing for a short term future that may extend beyond their planning. Social Security generally doesn’t account for the fact that many of its beneficiaries are now living into their mid to late 90s. Social Security also fails to realize that offering early collection date options is essentially like offering life insurance policies to senior citizens without explaining the policy clearly. When seniors forego their benefits for eight years or so to get higher benefits for the rest of their lives, this is similar to paying an insurance premium that results in more money when the senior citizen needs it.\ Overall, seniors should consider that overall living can be expensive. A fulfilling and functional life can sometimes include prescriptions,...

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Truck Flips Over After Struck By Car Ontario

A truck and a car collide causing brutal damage to both vehicles, this all took place in Ontario just early Tuesday. Ontario Police Department investigators report that there were multiple witness accounts of what happened during the incident. A truck company supervisor claims that the truck was heading northbound on Cherry Avenue, and the car that was heading westbound on Slover Avenue ran a red light and struck the truck. The truck continued hauling northbound on Cherry before finally losing control and flipping over. Local authorities state the truck was hauling freight but waited first to get the truck upright before revealing the what it was carrying. The truck driver was taken to a local hospital suffering from minor injuries. There was evidence of a small fuel leak which was able to be cleaned with an absorbent before it contaminated the drainage system. The investigation is still ongoing according to local authorities. If you or a loved one have been injured as a result of someone’s negligent driving, you may be eligible to receive legal compensation based on the severity of your injuries. It serves an enormous benefit to hiring a professional legal attorney to represent you like the complexity of California’s judicial system is something most citizens aren’t familiar with. You cannot hesitate, California’s statute of limitations states you are only given up to two years to file a claim against another person, this window is heavily reduced to a hasty six months if you plan on pursuing legal action against the state or any other government entity. Visit here to learn more about California personal injury law. A professional and experienced car accident attorney in Ontario from the offices Guldjian Law APC can help you get back on your feet after one of the most devastating events of your life. Let us deal with preying insurance companies who are immediately working on convincing you they can settle the incident under the table for as little as possible. Contact us today or visit this link to schedule your free legal consultation which will allow you to present us your case where we can then determine whether your case is compelling enough to convince a...

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Protect Your Rights with a Torrance Car Accident Attorney

A car accident can have devastating consequences. In many instances, a person involved in a car accident ends up suffering from what prove to be significant injuries. A Torrance car attorney can best ensure that an injured person’s rights and interests fully are protected in the aftermath of an automobile accident. Fighting an Insurance Company Insurance companies are notorious for denying valid claims or proposing settlements that involve dollar amounts well below what which is justified in a particular case. An experienced Torrance car accident attorney knows what strategies to employ when facing down an insurance company. Maximizing Necessary Compensation The facts and circumstances of a particular case govern the types of compensation awarded to an injured person. The reality is that a skilled Torrance car accident attorney is equipped with the skills and experience needed to optimize compensation paid to an injured person. Examples of the types of compensation an injured person may be entitled to in a particular case include: medical bills lost wages pain and suffering emotional distress An injured person may be entitled not only to compensation for existing losses, but also those reasonably expected to be incurred in the future. A tenacious attorney understands how to make a case for current and future losses. Filing and Pursuing a Personal Injury Lawsuit Personal injury law in California is complex. Court procedures in civil lawsuits are complicated. An experienced Torrance car accident understands the ins and outs of applicable personal injury law. In addition, this type of attorney understands court procedures in persona injury cases. For more information on how an attorney can help those injured in an accident visit www.nolo.com. Retaining a Torrance Car Accident Lawyer The first step in retaining the services of a Torrance car accident attorney is scheduling what is known as an initial consultation. At an initial consultation, a personal injury attorney makes a preliminary evaluation of a case. As a general rule, an attorney does not charge a fee for representation in a Torrance car accident case unless a settlement or judgment is obtained in favor of a client. This type of arrangement is known as a contingency fee. The fee is a percentage of the amount of the settlement or judgment. The percentage is agreed to between the attorney and client before representation in a case...

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What To Do After Being Involved in A Car Accident San Diego

Automobiles are today’s primary means of transportation, so it’s no surprise that car accidents are becoming a leading cause of death throughout America.  With the increasing population, crowded highway and street traffic result. The injuries commonly sustained as a result of severe car accidents can be devastating. That is why it’s essential you stay up to date with California law regarding car accidents, and remember professional legal assistance is always available if you have been involved in a car accidently recently. Why Do I Need A Personal Injury Attorney? Car accidents are almost always sudden and unexpected; the result is potentially life threatening injuries physically and emotionally. Sadly the time to seek legal action is almost immediately following your accident; you have up to two years to pursue a legal case in the state of California. This time is also one of the most, if not the most, difficult periods of a person’s life and completing such a complex affair should not be done alone, you owe it to yourself to hire professional and expert legal representation. Visit here for further information on California’s statute of limitations Selecting The Right Representation A professional personal injury lawyer is able to review the specific details of your car accident and help you determine whether or not you should seek legal action as well as decide whether they are able to represent your case successfully in court. If a San Diego expert in personal injury like Yasmine Djawadian decides to represent your case she will work relentlessly to ensure the person held accountable gives legal compensation for the hardships you and your family have faced as a result of their negligence. Yasmine Djawadian is a San Diego based attorney who is ready to lend her expertise to anyone who has been injured in an accident. She is an expert in the many areas of California personal injury laws pertinent to car accidents, and is able to lead her clients through the myriad issues that come up after an accident. She has a keen knowledge of the California laws pertaining to personal injury cases, wrongful death suits, slip and falls cases, and other related accidental injuries. It is her goal to bring every client’s case to a successful conclusion, and obtain the highest possible settlement level in every case she represents. If you have been injured in a car accident and are in...

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Here’s How A Mountain View Personal Injury Lawyer Can Help You After An Accident

Accidents happen. However, did you know that all states, including California, set specific limitations on the length of time a person has to take a case to the district courts and file a claim after the injury has occurred? Such laws are referred to as the statute of limitations and include varying deadlines that are dependent upon the type of case you are seeking to file. The state of California statute of limitations regarding personal injury instances allows a personal injury victim two years from when the injury initially occurred, to bring their case to court and file suit against the parties at fault. You only have six months if filing against a city, county or California state government agency. When considering a personal injury claim, it typically does not pay to wait. If you have suffered a personal injury and don’t present your case to the courts during the allotted two-year window, the court can, and will presumably, decline to review your case. There are also California Shared Fault Laws that follows a “pure comparative negligence" rule. This means that some compensations you may have a right to collect shall be reduced by a predetermined amount that equals your degree of responsibility in the accident. It is also important to note that although court districts in California have an obligation to follow the “pure comparative negligence" rule for a personal injury case that goes to the legal proceedings’ phase. It may perhaps be particularly challenging if you are involved with a third-party insurance adjuster operating outside of the court system. Many insurance adjusters have been known for highlighting the issue of California’s comparative negligence rule amidst settlement negotiations. However, you can present what the impact of that rule should be on your unique situation. In short, personal injury claims can be challenging. A Mountain View personal injury attorney will work tirelessly to bring justice to those who suffer from personal injuries, and may not know how to obtain the compensation. They have a right to. A personal injury lawyer is well versed in the legalities of taking a case to trial, and will work on your behalf to win or settle your case so that you benefit at the end. Enlisting the aid of an attorney specializing in personal injury claims would undoubtedly be the best means of gaining the compensation you deserve when facing personal injury in...

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