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Social Security Title II Disability provides disabled workers with monthly benefits and Medicare coverage after receiving SSDI benefits for 24 months. In order to be found disabled, you must be unable to work due to your disability which has lasted or can be expected to last for twelve continuous months. Generally, in order to be found disabled, you must have worked 5 out of the 10 years prior to the date you became disabled. Social Security breaks a year down into four quarters. In 2013, you have worked a full quarter credit if you earned $1,160 of income. If you have earned $4,640, you have earned four credits for the year even if all of your earnings were earned in one month.

Estate Planning is the very important process everyone should go through in order to be prepared for one's inevitable, and sometimes unexpected, death. Most of us are fortunate enough to have families that we would like to take care of and friends that we would like to remember with a gift upon our passing. What you own and what your familial obligations are will help determine what kind of estate plan you should have. An estate plan is a gift to your family. Between probate and taxes, your family may spend lots of time and money that could have been saved by an effective estate plan. Your survivors will have a much easier time both emotionally and financially if there is an estate plan in place before your demise.