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Who is eligible for Social Security Disability benefits?

South Dakota readers know when a person is unable to work due to a physical condition, injury or mental illness, it can have a serious negative impact on his or her financial health. Fortunately, disabled individuals could be eligible to seek financial support through Social Security. If you are planning on filing for these benefits, you may find it beneficial to learn more about eligibility requirements.

Securing Social Security Disability involves more than just having a serious injury or illness. The Social Security Administration has strict requirements for what qualifies as a disability. Before you initiate the claims process, you would be wise to familiarize yourself with these requirements and what you can expect from the claims process.

Someone else's cellphone addiction could leave you injured

When people think of addictions, they may think of individuals who have problems with drugs or alcohol. While it is true that certain addictions can relate to these substances, individuals can also become addicted to other acts that may not immediately seem harmful. For instance, cellphone addiction is a real and prominent issue that could put you and others at risk.

Certainly, cellphones can work as convenient ways to check in with loved ones, look up facts, check bank accounts or numerous other activities. However, if a person continually checks his or her phone and displays other signs and symptoms, it is possible that he or she has a cellphone addiction. Even if you think that you limit your screen time enough to avoid calling yourself addicted, another individual's addiction could still affect you.

Workers' comp: You're glad to have it but hope to never need it

South Dakota is full of hard-working individuals. The eastern side of the state is the most populated, but people continue to make their lives throughout all four corners. People make their living in a very wide range of ways in the state.

Did reckless driving cause you to suffer injuries in an accident?

Getting to work, the grocery store, your child's school or numerous other destinations often requires you to get behind the wheel of a vehicle or to allow someone else to drive you. This common form of transportation allows you and many others to reach your desired locations relatively quickly and easily. However, you can always face dangers while on the road.

Though you certainly do your best to remain a defensive and conscientious driver, you cannot always account for the actions of other individuals. In fact, some drivers may throw caution to the wind as they hastily try to reach their destinations or otherwise completely disregard the safety of other travelers. In many cases, the parties may participate in various forms of reckless driving.

How to hold your insurance company accountable for bad faith

Compared to the average policyholder - an everyday Bob or Joe - insurance companies are in a position of power. They have vast resources and superior bargaining positions. They also have a strong financial incentive to delay or deny claims. Put simply, the less they pay out in claims, the better their bottom line.

This puts the average Joes in a difficult position. You may find that your insurance company abandons you precisely when you need coverage the most.

Are you ready to hit the road this winter?

With the official end of fall just around the corner, you and many other South Dakota residents may already feel apprehensive about the winter weather ahead. In particular, you may dread having to get out on the roads with seasonal hazards and other travelers who may not take the time to accommodate for weather and road conditions. You have a right to feel this dread as incautious drivers could easily put you at risk of an accident at any time.

When these drivers are coupled with bad weather and questionable road conditions, you may have a significant chance of finding yourself in a dangerous situation on the road. In hopes of doing your best to avoid this type of predicament, you may want to make certain preparations before heading out and while on the road.

Increase your chances of a successful application process

Whether it was through an accident or an illness, you may find yourself unable to work. You may wonder how you will support yourself and your family if your condition keeps you from working for a year or longer.

Someone may have told you that you could apply for Social Security disability benefits. You may have read online what the application process entails, and while it may seem easy, you heard that the Social Security Administration denies most applications on the first try. The process could take up to a year or more to complete if this happens, but you need help as quickly as possible. This may leave you wondering what to do to increase the chances of receiving benefits on your first application.

Distraction may be to blame for your car accident

Distraction is a major problem, not just in South Dakota, but also across the country. Every day, innocent motorists are at risk of accident because drivers are engaged in various types of distracting activities, which include everything from looking at a phone to adjusting the radio. 

If distraction played a role in the accident that left you injured, you have rights. You do not have to face the aftermath of your accident alone, but you may seek to hold the liable parties accountable for everything from your physical injuries to damage done to your personal property. There are three main types of distraction, and understanding the differences between them could help you better understand the factors that led to your accident.

Your permanent injury may qualify you for workers' compensation

Every occupation has its risks and hazards that could potentially result in workers suffering injuries. In your case, you may work in construction and face the possibility of falling from a considerable height, having a structure collapse on top of you, suffering injuries due to equipment malfunction or any number of other serious scenarios that could easily result in your harm. Unfortunately, it only takes one accident to leave you with permanent injuries.

After involvement in an injury-causing accident on the job, you may have many questions when it comes to the potential for obtaining workers' compensation. South Dakota laws on this area differ from other areas, and therefore, you may want to ensure that you understand what you could face when seeking benefits.

Texting and driving statistics may offer some surprises

The exact cause of your injury-causing accident can depend on the specifics of the situation. If the actions or negligence of another person caused the incident, you may feel particularly compelled to determine what may have led that driver to act that manner. In some cases, such as when a medical emergency occurs, you may feel a modicum of sympathy for the other individual. However, when distractions such as texting and driving resulted in your crash, you may feel less than sympathetic.

Texting and driving continues to be a prevalent problem, and it often stands as the cause of many serious crashes. Texting results in drivers taking their minds off the task of driving, removing their hands from the wheel to send messages and taking their eyes off the road.

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