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What You Will Need When Applying for a Temporary Visitor’s Drivers License in the U.S.

Posted by on Jan 2, 2014 in Insurance | 3 comments

Many tourists visiting in the United Sates prefer driving a car to be able to go to as many places as they can in their own time and for convenience. The best way to acquire a car, of course, is to rent and not buy one since the stay is only temporary. You can rent your preferred car right at the airport, but you will need to pay additional fees. Some opt to rent a car in the city where they arrived, however, since by paying the additional “one-way” fee, they can leave the vehicle in another city – a wise option if they plan to leave the US from another city or state.

Before you can drive your rented car, though, there are two very necessary things you will need to have: a Temporary Driver License and a Car Insurance, without both, you will never be able to drive any car from the parking lot.

The temporary driver’s license is issued by each particular state or territory to individuals after being authorized by the federal government to come to the US for a definite purpose within a specific time period. This temporary license is recognized in all US states, is valid for both identification and driving purposes and allows operation of typical passenger (not  commercial) vehicles below 26,000 pounds GVWR (identified as Class XD), including motor scooters, motorcycles and other motor driven cycles (Class XM).

It is important also that, before leaving for the US, you get an International Driving Permit (IDP) from your country of origin as this document will be required from you. An IDP, which merely supplements, and not replaces, a valid government-issued license, only translates the information written on your local driver’s license into 10 different languages to enable foreign country officials to read your license.

Besides the IDP, other state-required original documents when applying for a temporary visitor’s driver’s license include:

  • Two (2) valid proofs of identity
  • Legal documents proving change in name ( like certified final divorce decree, certified final marriage certificate and others), but only if the name written on the identification documents is different from the federal document submitted for “proof of temporary legal presence”
  • Two (2) valid documents showing proofs of residency (in the state)
  • Social security number (a sworn affidavit is required if applicant has no SSN)
  • Vision, knowledge and skills tests (where applicable)

The other necessary requirement is a Car (liability) Insurance, a necessity for all drivers in all states. In its website, Habush Habush & Rottier S.C. ® affirms that car insurance can be quite costly, but goes on to say that not having one can prove to be much more expensive. There are companies, though, that offer all the assistance needed by customers looking for the best, yet really affordable car insurance policy regardless of their credit standing or status (visitor, student, non-US resident, etc.).

Car Insurance is usually available at many rental car firms; you may also purchase one online if you prefer. Insurance will be a major necessity in the event of an accident since medical treatment can be too costly; remember too that if you end up injuring someone in an accident, you will have to shoulder his/her medical expenses. So, when purchasing car liability insurance, make sure that your policy includes liability, first and foremost, as well as collision and loss-of-use.

Social Security Claims Rejection and the Types of Appeal Claimants are Entitled to Make

Posted by on Jan 2, 2014 in Social Security | 0 comments

Retirement is an unavoidable circumstance in every employee’s life, granting that it is not abruptly ended by any injury or illness, which can render an employee disabled either for a short or long period. It is because of disability why many employees become subjected to financial difficulties, since it will cause them to miss work for days or weeks (for short-term disability) to months or years (for term-term or permanent disability), resulting to lost wages and costly medical treatment. Thus, without the capability to earn, the means to sustain their families and themselves are greatly affected.

In 1935, to keep employees from financial difficulties, the Social Security Act was signed into law. It was first intended as a solution to poverty to which senior citizens were subjected to during the Great Depression of 1930. Since its implementation, improvements and changes have been made to include in its scope financial assistance upon retirement and benefits in the event of long-term injury or illness that is expected to keep a person unemployed for at least one year.

Social Security Disability benefits are a vital source of financial assistance and support for the injured and his/her family. The website, however, also mentions how complicated the process of such benefit it, resulting to denials for many applicants.

Applicants, whose claims have been denied or who are awarded benefits below the amount they expect, are allowed by the Social Security Administration to make an appeal within 60 days after the decision has been issued to them. The appeal process has four levels:

Reconsideration – a complete review of the claim filed; this is actually done by a new set of evaluators to make sure that there is no bias in the decision making

Hearing – in the event that the claimant is still not satisfied with the new decision, presentation of new proofs and/or testimony of new witnesses (to substantiate your rights for your claim) may be made before an Administrative law judge

Review by Appeals Council – if the outcome of the hearing still fails to satisfy the claimant, Social Security allows him/her to raise his/her concern to this council which will review the last decision arrived at. Consideration of the claimant’s new appeal will require the Administrative law judge to further review the claim; if the council finds the judge’s decision justifiable, though, then it can reject the claimant’s new appeal

Review by a Federal Court – this fourth level may be resorted to if the council’s decision is a rejection of the claimant’s appeal. It is part of Social Security’s responsibility to instruct the claimant on how to elevate his/her concern to the federal court.

Oftentimes, the initial denial of a claim is due to technical issues, such as wrong information or missing signature, or incomplete documents. Claimants would find that having a legal representative to help them in the application process is truly beneficial since these lawyers will make sure that everything is done correctly and on time.