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    Recalculating Your Social Security Disability Benefits

    Last updated 2 months ago

    If you become disabled and cannot work, you are entitled to receive financial benefits so long as you have qualifying tax contributions. Unfortunately, many claims are initially denied by the government, so you may need the help of a Social Security Disability attorney to access the benefits you are rightfully entitled to. Even after fighting for your benefits, they may not be enough to sustain you and your family. If you can’t live on the Social Security Disability (SSD) benefits you are receiving, contact an attorney to learn how you can increase your benefits.

    Cost-of-Living Adjustment

    There are only two ways that your Primary Insurance Amount (PIA) can increase. The most widely known type of increase is a cost-of-living adjustment, also called a COLA. This adjustment applies to all Social Security beneficiaries and takes effect at the end of the year in which there has been an increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers.

    AERO Recalculation

    The second way to increase your PIA is through a recalculation of your benefits. Also called an AERO recalculation, this method gives you credit for previously un-credited earnings. This recalculation is done automatically twice a year, in March and October.

    Supplemental Security Income

    If the Social Security Disability benefits you are getting are below the maximum income allowed for Supplemental Security Income (SSI) and your total income and resources are within SSI limitation, you may qualify for SSI disability payments. Contact an SSI attorney for help applying for SSI benefits.

    Whether you are filing an SSD claim for the first time, you’ve been denied SSD benefits, or you want to increase your benefits or apply for SSI, contact Dixon & Johnston, P.C. Our SSI and SSD attorneys can help you receive the benefits you are entitled to, and you won’t owe us a dime if we don’t win your case. Call us today at (618) 207-3770 to schedule your free initial consultation with one of our Social Security Disability and SSI attorneys

    Planning Your Retirement: How to Save and When to Collect Social Security

    Last updated 2 months ago

    One of the great American dreams is financial security in retirement. However, this sort of security doesn’t just happen. Indeed, it takes planning and commitment to be financially secure through your retirement. Fewer than half of Americans have calculated how much they need to save for retirement, and even fewer it seems know how to collect social security. To help you start planning your retirement, here are some important things to know about saving money and collecting social security.

    Know Your Retirement Needs

    According to financial experts and the U.S. Department of Labor, you will need at least 70 percent of your pre-retirement income to maintain your standard of living when you stop working. Once you determine what your retirement needs are, start planning how much you need to save before you can retire.

    Stick to Your Goals

    Every day that goes by that you don’t put money away for your future is another day that you will have to wait to retire. Stick to your savings goals and give your money time to mature. It’s never too early or too late to start saving for retirement.

    Learn About Your Social Security Benefits

    Social security pays benefits that are on average equal to about 40 percent of what you earned before retirement. You can start your Social Security retirement benefits as early as 62. The longer you delay taking benefits (up to age 70), the more you will receive. You may also be entitled to Social Security Disability and Supplemental Security Income (SSI) if you are disabled and have little to no income.

    If you are having trouble receiving the social security benefits you are entitled to, contact Dixon & Johnston, P.C. Our attorneys specialize in social security law, and we can help you collect the benefits you deserve. To schedule your free initial consultation with one of our SSI or social security disability lawyers, call us at (618) 207-3770. 

    Can You Stop Social Security Benefits if You Decide to Return to Work?

    Last updated 2 months ago

    Whether you have been injured at work or have reached the minimum age of retirement in the U.S., Social Security benefits can help you live comfortably while you are out of work. But what if you are receiving Social Security benefits and want them to stop? Perhaps you’ve recovered from a work-related injury and are ready to return to work, or maybe retirement just isn’t as much fun as you expected. Either way, you can stop Social Security benefits if you decide to return to work—and doing so can qualify you for larger benefits at a later date. You will need to fill out Form SSA-521 to withdraw your application for Social Security benefits. You may also need to re-pay all of the benefits you have received. 

    To learn more about stopping Social Security benefits, contact the attorneys at Dixon & Johnston, P.C. right away. We specialize in Social Security Disability benefits, in particular helping people who have been denied those benefits. If you have questions about Social Security law, contact us today by calling (618) 207-3770. 

    Is Chapter 13 Bankruptcy Right for You?

    Last updated 2 months ago

    Chapter 13 bankruptcy is a reorganization of debt for individuals and families who have a regular income. Chapter 13 bankruptcy allows you to repay your creditors over a period of time, and it allows you to keep your home and your vehicles even if you have become delinquent on your loan payments. Filing for Chapter 13 bankruptcy can be fairly complicated, so seek legal counsel before proceeding on your own. To learn more about Chapter 13 bankruptcy, watch this short video clip. 

    If you are struggling to pay your debt obligations, contact Dixon & Johnston, P.C. We are a debt relief agency, and our accomplished bankruptcy attorneys can help you regain control of your finances. To schedule your free initial consultation, contact us today by calling (618) 207-3770. 

    What Happens When You Declare Bankruptcy?

    Last updated 2 months ago

    If you are facing growing debt, you may reach a juncture at which you can no longer afford to pay back your creditors, support your family, and live comfortably all at the same time. Good people just like you get into debt trouble all the time. Fortunately, bankruptcy is an option that can help you start over and get your finances back in order. Bankruptcy isn’t right for everyone, so speak with a bankruptcy attorney to determine if it is the right step for your family. To help get you started, here is a look at what happens if and when you declare bankruptcy.

    Stops All Collection Activity

    First and foremost, when you declare bankruptcy, you will be issued an automatic stay order by the court. An automatic stay order requires creditors to cease any collection activity against you. This means no more harassing phone calls from creditors or third-party collection agencies.

    Allows You to Keep Your Home

    If you are a homeowner, declaring bankruptcy will allow you to keep your home while you get your finances back on track. When you declare Chapter 7 bankruptcy, you may enter into a reaffirmation agreement with your mortgage lender. This agreement allows you to keep your home, provided you continue to make mortgage payments in the future. If you file for Chapter 13 bankruptcy, your mortgage will be included in the court-monitored repayment plan.

    Frees You From Your Debt Obligations

    When you declare Chapter 7 bankruptcy, you will obtain a release from most of your debt obligations. Under Chapter 13, you will be able to pay off most of your debts for a significantly reduced price. The result is that you will save thousands of dollars and get on the path towards financial independence sooner than you imagined.

    If you have fallen on hard financial times, contact the bankruptcy attorneys at Dixon & Johnston, P.C. We are a debt relief agency that helps people file for bankruptcy relief under the Bankruptcy Code of the United States. Contact us online or call us at (618) 207-3770 to schedule your free initial consultation with one of our accomplished bankruptcy attorneys today. 

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