Social Security: Earnings Required to Meet Quarterly Coverage

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When a person files for Social Security Disability (SSDI), they will need to meet a minimum requirement for for their past earnings.  Past earnings are calculated on a quarterly basis.  A person meets Quarterly Coverage (QC) when they have earned the required level of wages or earning.

The minimum requirement can change each year.  Here is a list of the last few years required levels:

  • 2010:     $1,120
  • 2011:     $1,120
  • 2012:     $1,130
  • 2013:     $1,160
  • 2014:     $1,200
  • 2015:     $1,220
  • 2016:     $1,260

Always calculate your Quarterly Coverage prior to filing for Social Security Benefits.  This will help prevent a denial that could have been avoided.

The Morris Firm, info@themorrisfirn.net, (214)357-1782

Texas Crimes: Theft

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The Texas Penal Code §31.03 explains what theft is in the State of Texas.

THEFT. (a) A person commits an offense if he unlawfully appropriates property with intent to deprive the owner of property.

(b) Appropriation of property is unlawful if:

(1) it is without the owner’s effective consent;

(2) the property is stolen and the actor appropriates the property knowing it was stolen by another; or

(3) property in the custody of any law enforcement agency was explicitly represented by any law enforcement agent to the actor as being stolen and the actor appropriates the property believing it was stolen by another.

 Basically, you commit theft in the state of Texas when you take something that doesn’t belong to you, without consent or any other legal justification for doing so, and at the time of the offense you have no intention of giving the property back to its rightful owner.

The Morris Firm, info@themorrisfirm.net, (214)357-1782

Social Security Disability: How much work does a person need to qualify?

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To qualify for Social Security Disability Insurance (SSDI) a person must have worked enough and recently recently enough to meet the required Social Security Work Credits.  The number of credits required to meet the minimum standard change every year.

Social Security Work Credits are based on your total yearly wages or self-employment income. You can earn up to four credits each year.  The number of work credits you need to qualify for disability benefits depends on your age when you become disabled. Generally, you need 40 credits, 20 of which were earned in the last 10 years ending with the year you become disabled.

The Morris Firm, info@themorrisfirm.net, (214)357-1782

Texas Auto Accidents: What is Collision Coverage?

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If you’ve been involved in an auto accident in Texas, it is important that you understand the different types of insurance coverage to protect your health and finances.  Collision coverage will cover damages to the vehicle when you, your family members, passengers in your car, and others driving your car with your permission.

The cost of repairing or replacing your car after an accident. You will only receive the amount of your car’s actual cash value, minus your deductible. Actual cash value is the market value of a car like yours without damages.

This coverage is mandatory if you are still making payments on your vehicle.

Texas Workers’ Compensation: Investigation of a Claim

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Once an insurance carrier receives written notice of a work related injury, they should begin an investigation of the claim.  Most investigations involve getting information from the employer, medical providers and the injured worker.

To avoid complications, an injury worker should make sure that how they report and describe the injury to the employer, medical provider, Division of Workers’ Compensation and to the insurance carrier are all consistent.  Generally this is the information the insurance carrier uses to accept or deny a claim.

From the date the insurance carrier receives written notice, they have 60 days to accept or deny the claim.  However, they must pay benefits after day 15 until the claim is denied.