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Monday, April 20, 2015

Take ESTRA Car Accident Insurance Surveys


Seattle (ESTRA) – Policyholders need a place to share car accident experiences.  A place where knowledge, helpful hints, and support for people struggling through Auto Insurance, Employee Benefits, Short and Long-Term Disability, SSDI, Surveillance, along with other issues which arise after being involved in a car accident.
 

Thank you for clicking on ESTRA Car Accident Surveys below.  Your participation means others will have a general idea of what is experienced after being involved in a collision.  




 ESTRATV VIDEOS







ESTRA CAR ACCIDENT BOOKS AND CALENDARS



2015 Car Accident Weekly Planner
(Paperback) Price $10.99 USD
 


2015 Car Accident Daily Quotes
(Paperback) Price $8.99 USD
 



  Book Car Accident by ESTRA
(Paperback) Price $18.00 USD  ISBN: 978-0-578-09530-1 


TALKING ABOUT YOU WITH ESTRA RADIO SHOW

Every Monday at 7:30 p.m. PST on Blog Talk Radio
Listen to over 100 Free Audio Archives on BTR and iTunes!


ESTRA CAR ACCIDENT SURVEYS

How well do Police protect and serve? 
Equality of service for Policyholders and Insurance Companies by Police.

Copyright © 2015.  All Rights Reserved. Sunlight Publishing, LLC




Wednesday, April 8, 2015

The Power and Privileges of Police

Insurance Companies use of force and intimidation includes Police.
Seattle (ESTRA) - Imagine going to Police Station and asking for help only to be turned away multiple times.  This doesn’t just happen on police television shows, but often by those attempting to report harassment at Police Stations.  Ferguson is not the only community dealing with practices that are unfair to Main Street Citizens, whose voices are often silenced by the power of Wall Street money and protected by Law Enforcement day in and day out. 

What becomes more unbelievable is calling 911 to report harassers and told they aren’t individuals performing intimidation, only to later find out these people are agents of police working with public or private insurance corporations.  Policyholders can go to multiple police precincts seeking help to no avail.  Would Police treat Wall Street in the same way?  I think not.

Who do Police Officers truly protect and serve?  You would think they are paid directly by these major corporations instead of Main Street Dollars by actions.  How can police be impartial when they have already sided with Wall Street? 

Remember Occupy Wall Street’s efforts to support Main Street, bringing out average people wanting to stand up for rights which protect everyone.  In fact, Occupy was making progress for change, while helping others to become viable parts of their respective communities.  How were these citizens treated?  Occupy was encountered disrespect, harassment, intimidation, especially those in leaderships roles on specific topics.  Who was the tool used to create disenfranchisement, discouragement, and bullying to the point where many people gave up?  You guessed it, police.

It was the same when Martin Luther King, Jr. stood up for better Civil Rights Legislation for all people.  It was true when Occupy Wall Street stood against Wall Street for excessive grabs of power and control of this country, which now allows them to do whatever they please without repercussions. In Ferguson, where it became clear for all the world to see, what supposedly had changed is actually same abuse faced daily by far too many American Citizens.  This strategy of terror has taken place with the use of police officers for generations with no end in sight. 

Tragically, this also can be true for people involved in car accidents filing claims against Insurance Companies, whether public or private.  These conglomerates own most of country, in fact, have spread wealth throughout many nations, leaving in their path, more destruction by using people to develop their goals without giving those helping to propagate their pockets fair wages, respect, and daily living opportunities that help fulfill worker’s dreams. 

And now, many are powerful enough to not pay out insurance claims for policyholders, because they can delay it for a decade and use police to discourage policyholders in pursuing their claims.  I would challenge the content of their characters, their use power and money not only against Main Street, but using police as their personal force. 

Wikepedia defines Police as:  “ A police force is a constituted body of persons empowered by the state to enforce the law, protect property, and limit civil disorder.  Their powers include the legitimized use of force.  The term is most commonly associated with police power of that state within a defined legal or territorial area of responsibility.  Police forces are often defined as being separate from military or other organizations involved in the defense of the state against foreign aggressors; however, gendamerie are military units charged with civil policing.“

Notice the keywords in this definition:  empowered by the state or territorial area, enforce the law, protect property, legitimized police power, civil policing. Notice what is not there, promoting respect, honoring, car and concerns for communities, treating citizens with respect and dignity.  Frankly, legitimized use of force is what we often see when justifying the death of too many American Citizens.  

What happens when the average citizen is hurt by this legitimate power?  Trust is broken and belief of protection and serving those individuals betrayed can last for generations.  Hope is lost in justice for all.  When power and the law is not distributed fair and equally to all, human indignities permeate throughout society, not only to citizens, but also to police.  Lost of life due to the lack of respect, is something on an individual level we can change.  Look in the mirror today and think what you would like with different skin tones or dialects. Guess what? You would still be a human being deserving respect and dignity.

When police no longer feel safe sitting in their patrol cars on street because of the threat of being killed, or increase risk of loss of life due to injustices many citizens face at the hands of this so call legitimized use of force, its obvious to see breakdown in trust between average person and police.  Even with non-violence actions for change, police use their power to intimidate and harassed people just seeking what they deserve, their rightful place in communities.  Occupy Wall Street was such an organization, Martin Luther Kings Jr. goal of equal civil rights for all was also met this legitimized use of force. 

Yet, vast numbers of citizens far outweigh law enforce numbers when standing for justice.  We have seen this lately when citizens have overthrown governments who have become too corrupt.  Perhaps this is the reason why many are developing militarized zones in local communities.  Injustice is difficult for most people to swallow generation after generation.

What about people involved in car accidents?  How does the average citizen’s power compare to Wall Streets?  Policyholders have little power and few resources.  The strongest weapon Main Street has is their vote, which many do not use while Wall Street uses all their power and resources to maintain control over the U.S. which benefits a few instead of the whole country.  These legitimate powers have been drawn up to protect them in most cases, at the expense of everyone else.

First, insurance premiums provides them with capitol to control the people they need push agendas, such as police and politicians.  Second, this gives them back the money from insured while being subjected to little risk, due to their ability to deny claims, and have paid lobbyist to ensure laws enforced benefit them.  In my opinion, what does this create?  More lawlessness, more injustice, and more distrust not only for police which protects insurance companies, employers, or any conglomerate public or private which can pay for their investment protections with on or off duty officers for example.  Do you know who uses most private investigators? Insurance Companies.  The goal is to eliminate insurance claims at all cost which sends a message of greed.  Greed by some is viewed as all important over doing the right thing, even if it has been promised to policyholders.

Only when police decide:  The most important part of their jobs it to treat people with respect and dignity:  End their practices of protecting wealth of Wall Street at all cost;  Instead of protecting in their ranks who promote prejudices, hate, greed, and Wall Street interest, choose to remove them so healing can take place in local communities.  When police truly begin to protect neighborhoods, people in those local communities will begin protecting them.  Restoring honor citizens use to have for police could go a long way in resolving crimes.  Wall Street choosing to create jobs over imaginable wealth would also go a long way in restoration of our economy, which frankly, they seem to disregard unless its constantly creating wealth for them. 

Does this mean people in communities doing the right things on both sides of this equation should stop? Absolutely not.  It is these individuals who are the glue in our society today.  Police are the ones still providing hope to discourage, and pulling in the reigns of Wall Street greed whenever possible.  But it will take more than just police, it will take all of us choosing to do the right thing regardless what is going on in our lives.  Sometimes this will mean standing up in difficult situations and not giving up when harassed or intimidated by insurance companies, employers, social security, long-term disability, or police.

If I, ESTRA, were putting out a definition of Policing it would be as follows:  Each and every person is responsible for their conduct whether on or off the job.  It is your responsibility to correct any wrongs to the best of abilities and help others you see in need.  Choose not to destroy lives of others for sake of wealth and power, choose instead to lift them up, which builds you up naturally.  Respect for others makes them friends and not enemies, which builds a circle of neighbors who protect each other without fear of those with evil intent, because there are more good than bad people.  This circle is further extended to police who don’t choose sides or enforce unjust and unfair laws to protect the interest of a few, but stand united with people from all walks of life who support lifting up others with respect and dignity.  This circle is extended further by politicians who have more concerns in keeping their communities growing, housed, feed, and employed paying decent wages.  And lastly this final circle encompasses military which continues support of strength and courage to protect the country’s average citizens, which they are primarily made up of, reinforcing doing the right things.

When a society show a preference of care and concern versus degradation, in my opinion, it does more to make community a better place, leaving people with hope for a better life instead of dread and desperation.  When people are incarcerated due to directional societal pressures resembling a rat’s maze leading to confusion and destructive ways, what else could be expected?  These people are more than cheap labor for a penal colony.  They have personal dreams and aspirations of their own, and should be provided this same opportunity as everyone else. 

Wall Street is far from pulling themselves up from their bootstraps, yet bootstraps have been taken away from Main Street at this point, with the help of Law Enforcement.  This is not the type of policing which protects those who most need protections.  In fact, it makes average citizens more fearful and least likely to provide the support police need at critical times from community.

Behaviors by police also promote people injured in car accidents life of poverty by protecting the interest of Wall Street, participating in harassment and intimidation of insured.  Again, more injustices are done by protecting Wall Street, than doing the right in policing Main Street.

Policing took a turn for the worst with the 1033 Program which militarizes local police into combatants instead of law enforcement officers from a main street perspective.  Ferguson Missouri Police brutality brought forth, front and center what this means to local communities.  You saw what is done to average citizens when power and influence is brought into play.  Ferguson may not be as smooth as other precincts in hiding this behavior, but there are many local districts statistics which are equal or greater to the city of Ferguson if one has the time and energy to look.

I’m often amazed by people in Congress who are sent there every election to help the people, but end up helping mainly themselves and Wall Street.  The National Defense Authorization Act provides all the ammunition necessary to turn our communities into war zones.  And unfortunately, they have been successful for whom and why?  In my opinion, to protect Wall Street through Police, which provides them will complete control and power over residence. 

When Wall Street is only bound by laws they create through the efforts of lobbyist, most of them will be against Main Street and for those with greatest wealth.  Banking, Insurance, and Finance run this country.  These huge conglomerates are running this country in my opinion, and have free reign to do whatever they please, especially when it relates to controlling money.  Why else do you think wage stagnation has gone on for decades?  Why do you think Insurance Companies feel they don’t have to pay out policyholders at all or wait for a decade?  Frankly, we would be hard press to find justice in a system set up by financiers.  The next time asked to sign a petition to protect and care for the needy, I suggest looking at the fine print.  Much successful legislation presented is not what it appears to be, but as you would sign them.  Trusting others to verify true intentions are a thing of the past.  Own it and check it. Otherwise Main Street will wake of with few rights and fewer voting privileges allowing changes back to being fair for all.

As for policyholders, much is already written into contracts signed.  Few options are provided with less choices after filing an insurance claim.  Can you tell difference between good and bad faith carriers?  Most policyholders often find this out too late, after a car accident when resource options are few.  Insured Civil Rights Legislation can change this with a Congress more interested in protecting individual rights.  Is this the reason why they went to Washington D.C. to serve?  I was sad to hear of Senator Harry Reid retirements and Barbara Boxer’s exiting.  Will this only be the beginning?  Has it gotten so bad in Washington, D.C. the cost of leading is too much?

Perhaps a new circle of leaders is needed to bring forth good fruit.  The fruits of decent wages, improved infrastructure, jobs, homes, education.  I mean, if you look at what has been done lately by Congress, you might think President Obama and Wall Street is the only thing on their minds, and of course next election cycle.  Also, don’t get too comfortable with those insurance commercials.  Do they make you feel all warm and fuzzy, safety and security may only be a means to an end of receiving premiums.  Being left in the cold should not be options for insurers to make, they would not allow you not to pay premiums and still be covered.  They should not be able to say you are covered and then renege.

Frankly, at this point in our society protecting and serving is primarily for Wall Street.  A legitimized use of force for their laws created to protect ability to increase power, protect their property, and limit civil disorder who see injustice and seek change. I hope you will support protecting car accident victims by calling your Senator and saying, "Insured Civil Rights Legislation is important for Policyholders."  Dial (202) 224-3121 today.  In my opinion, this is not the type of policing Americans should be accepting.  And you vote has a lot of power to change this if you will use it locally to federal elections.  How much more are you willing to lose? 

Insured Civil Rights Legislation can say no to bad faith insurance claims, no to ERISA legislation which allows employers to keep benefits, and no to police officer’s actions of being enforcers for Wall Street, thus, eliminating their participation in harassment and intimation of policyholders filing a claim. 

ESTRA CAR ACCIDENT TIPS


Police Harassment For Insurance Companies

Do not be surprised by receiving no help from police against insurance harassment.

Insurance Companies will quickly begin to cut off benefits to improve their position of power over your claim.

Auto Insurance Companies will hire private investigators in hope to eliminate your claim and defend the position not to pay out on policy.

There is also room for more Insured Civil Right Advocates to help improve the conditions of people injured in car accidents.  Let me know if you are interested #CarAccidentAdvocates.




 ESTRATV VIDEOS







ESTRA CAR ACCIDENT BOOKS AND CALENDARS



2015 Car Accident Weekly Planner
(Paperback) Price $10.99 USD
 


2015 Car Accident Daily Quotes
(Paperback) Price $8.99 USD
 



  Book Car Accident by ESTRA
(Paperback) Price $18.00 USD  ISBN: 978-0-578-09530-1 


TALKING ABOUT YOU WITH ESTRA RADIO SHOW

Every Monday at 7:30 p.m. PST on Blog Talk Radio
Listen to over 100 Free Audio Archives on BTR and iTunes!


ESTRA CAR ACCIDENT SURVEYS

How well do Police protect and serve? 
Equality of service for Policyholders and Insurance Companies by Police.

Copyright © 2015.  All Rights Reserved. Sunlight Publishing, LLC




Friday, March 20, 2015

Denied Employer ERISA Benefits For Employees

Car Accident Medical Care and Daily Living Expenses add up quickly when benefits are denied. 

Seattle (ESTRA) - Every morning when getting ready for work, most individuals do not imagine getting into a life changing car accident.  It happens.  Most people take notice when it happens to them or someone they love.  No worries, you’ve been paying insurance benefits through Self-Insured Employer Benefits Program. You are protected, right?  Maybe not.  Lets talk about the chances you are taking when depending on insurance companies to protect interest, which in this case means your financial life.  Most accident victims do not have backup plans after unexpected injury.


Did you know most fiduciary insurance programs have a single priority of interest and loyalty which is to their investors.  This is not told to policyholders typically.  In fact the bottom line for most of these corporations means discouraging insureds, actions of delays, denials, or termination of policyholder benefits in order to pay out yearly dividends, create new investments, and continued effort to thrive in today’s economy.  If this was not done at expense of policyholders, efforts would be commended. Yet, in too many cases, in my opinion, Policyholders don’t receive their fair due.

Where do you see statistics about the number of policyholders who open up claims with insurance companies?  Are most claims paid? Are policyholders experiencing low balled offers? Or not paid at all?  How many insured face surveillance, harassment, intimidation?  And with this type of inappropriate, unfair actions come financial losses due to unpaid bills, missed opportunities for a stronger, better, recovery for people injured in car accidents.  

How much time will be spent dealing with concerns other than recovery for injured?  And worst of all what happens with a disability and job loss?  Will benefits be there for you?  Will employer or insurance company draw the line on how much willing to pay out for claim?  How much do you have saved?  Will it be enough through this transition, especially if it takes years?

As you can see, the number of questions is endless, even when looking at needs of a single individual.  We know that it takes money in this world to survive.  Will this be a time where more would have been saved?  For support, will you have to hire an attorney?  And if you do, can they really protect against multi-billion dollar companies who could stall court trial for years, not to mention amount of paperwork they can continually place upon legal council, versus their multiple team of lawyers. On top of this,  attorney-client privileges no longer has privacy it once did.  Attorneys have reported phones being subject to wiring tapping.  

Therefore what is a policyholder to do?  Just thinking about how ugly this process can turn, make sick or injured people want to walk away from hassles. But isn’t this what insurance carriers really want?   They want you to give up when it gets tough.  I mean, what have you got to fight back with?  Personally, I would say a lot more than you realize.  Your vote.  Yes, the single vote carried around in back pocket.  It’s the one thing that determines destiny of this country and insured civil rights legislation.  Why do you think the goal of a few is to discourage the many from using their vote?  It’s your power. How often do you give it away?  How many times have you ignored its value?  Wall Street gets most of it every month when paying bills or when only 33% of registered votes make it to the polls.

Insured Civil Rights Legislation passed by Congress could change outcomes for the lives of millions of Americans by making insurance companies and employers to play by rules that are fair and equitable to policyholders.  There is more than enough money left to fairly pay out dividends to their investors. 

An independent body not associated with insurance carriers, lobbyist, employers, or those funded by them in any way, such as those they use to perform Independent Medical Exams, known as IME, but are anything but fair to most injured. This would end payments to policyholders for first few years of a claim if that much, or deny carriers the ability to delay or terminate claims only because its in investors best interest.  The key to remember is insurance carriers or employers are able to use their billions against individuals who do not have a single paycheck tucked away for hard times, therefore the process starts off as unfair playing field. 







ESTRA CAR ACCIDENT TIPS


ERISA Employee Benefit from Employers

Application information for benefits is used to disqualify claims. Be sure to stick with the facts only.

Just because a insurance carrier starts paying out on claim doesn't mean it will continue.  Many employees have lost their benefits after two years.  

Some employers will use surveillance in hopes of eliminating a claim. If notice people following you, make sure to document their behaviors and intimidation practices.  

There is also room for more Insured Civil Right Advocates to help improve the conditions of people injured in car accidents.  Let me know if you are interested #CarAccidentAdvocates.




 ESTRATV VIDEOS







ESTRA CAR ACCIDENT BOOKS AND CALENDARS



2015 Car Accident Weekly Planner
(Paperback) Price $10.99 USD
 


2015 Car Accident Daily Quotes
(Paperback) Price $8.99 USD
 



  Book Car Accident by ESTRA
(Paperback) Price $18.00 USD  ISBN: 978-0-578-09530-1 


TALKING ABOUT YOU WITH ESTRA RADIO SHOW

Every Monday at 7:30 p.m. PST on Blog Talk Radio
Listen to over 100 Free Audio Archives on BTR and iTunes!


ESTRA CAR ACCIDENT SURVEYS


Copyright © 2015.  All Rights Reserved. Sunlight Publishing, LLC




Tuesday, February 24, 2015

Social Security Disability Series I Section I

Receiving only Social Security Disability Income means living in poverty.

Seattle (ESTRA) - Frankly, the quality of care and service with Social Security Disability can run the gambit from excellent to poor.  As I’ve said previously, it depends on the local office visited, luck of the draw of whom speaking to when calling 800 number, and knowledge about subject at hand.  The Social Security Disability process can take up to three years for completion unless being reinstated.  If other options such as Auto Insurance Settlements, Employer Short and Long-Term Disability, or Individual Long-Term Disability Carriers do the right thing of paying out on these claims, most people involve in collisions can get through difficult parts, the shock of situation, and spend less time worrying how to survive.  Employer coverage can be converted to Cobra which is an option to pay own medical insurance through employer rather than loose it at time when needed most.  Or, preferably selecting Obama Care which is a less costly choice with more options will help when disability looks probably and job loss inevitable. 

Social Security Disability from my review was not designed as a “full support” benefit for those becoming disabled.  It was created to help supplement lost income for people who unexpectedly become disabled and aid to live at a decent standard of living.

Unfortunately, some private companies see this as an opportunity to take advantage of a Federal Program.  When private companies are able to reduce the amount of a Policyholder benefits if approved for Social Security Disability (SSDI), Insurance Carrier's profit at expense of those who are expecting full assistance.  Most sick or injured are not in a financial position to absorb unfair reductions, since paycheck to paycheck living in conjunction with decades of wage stagnation, makes financial ends meeting a struggle for most people.

Are these actions taken in order to pay corporate investors more?  The number of people who open Auto Insurance Claims whether paid, denied, or terminated should be available for public view from both public and private insurance companies.  What is the average length of time for those who do eventually receive nothing, a portion, or for full claim settlements or benefits?  And more importantly, what measurement of pain and suffering imposed on those waiting to receive claim payments.  Information should be tracked on what poor and middle class were paid, was a substandard payment accepted to eliminate harassment or intimidation?  How many Policyholders just gave up due to lack of resources to fight these large corporations, or too sick or injured to follow through?  These are important concerns of Insured Civil Rights Legislation Congress needs to address on at Federal Level.

Disabled lives would be changed if Insured Civil Rights Legislation was taken up by Congress in order to put protections in place for those who are most vulnerable to bad faith practices by companies who would use them in order to avoid paying out legitimate claims. Far too many sick, injured, or disabled people depend on Social Security Disability as their sole of source income.  Until Auto Insurance and Employers do the right thing by poor and middle class policyholders who do not have resources to fight for rightly requested benefits, this classes will continue to look to the only public insurance agency where they have at least a fighting chance of receiving benefits which they have paid into for this purpose. 

Know Social Security Disability Rights and where to find answers the next time asked a question, request is made, or information is needed.

The discussion throughout Series I will be about the major content in Title II which is where to look for Disability Insurance and Title XVI for Disability Benefits for people who do not qualify under rules of Title II, but meet Disabled standards and meet low-income requirements.  

The United States Treasury manages the Social Security Trust Fund with includes the Title II Insurance Program Officially known as Federal Old Age and Survivors Insurance Trust Fund and Federal Disability Insurance Trust Fund.  This is a long way of saying, Social Security for retirement age, and Social Security Disability.

Of key importance is recognizing that Title II Program are an Insurance Fund, meaning the participants paid into these funds with their own money in case needed due to a disability or at retirement. 

Therefore the next time someone brings up getting something for nothing, ask them do they believe this when paying their money for premiums to any insurance company?  The reasons for insurance are same for most policyholders whether for auto, health, disability, life, or retirement.  The purpose of these policies is a safety net against unexpected circumstances. Unfortunately, Wall Street and Politicians use words such as "fraud" or "abuse" to scare many needy and deserving applicants away, so their investors can continue to exploit these resources. 
  
From my perspective Voter Registration Fraud and Disability Fraud are tactics used against people in our society who do not have the resources to defend themselves, protect benefits, or settlements they are due.  If these people were as concerned with fraud in society from my perspective, they would take on Wall Street.  Predatory harassment and intimidation of those sick, injured, or with disabilities should not be singled out in hope of allowing Social Security Funds for Wall Street Investors to use as they please.  These resources are set up to protect 99% in society with few protections today.  Congress should support Insured Civil Rights Legislation to reduce or eliminate "Bad Faith" Insurance behavior from both public and private carriers.

Paying into Social Security for 99% of workers may be one of the most important things for your future.  Did you know Baby Boomers not only paid into Social Security for themselves but also the generation before them?  Few generations have given so much to this Insurance Fund.  Has these Funds become a hot topic because of the recession brought on by Wall Street?  Once ignore and considered non-important, now standing front and center, is the concern really about going bankrupt?  Or is it tactics to change the way Social Security uses these resources?  

Is this a similar tactic as done to U.S. Postal Service?  No other public or private entity has to put as much money away for their Pension Plans.  Would politicans ever ask Wall Street to put away enormous amount of money which make their bottom lines show loses purposely?  Personally, I think not.

Critical thinking when evaluating or reviewing SSDI information helps make better decisions. Knowing how you may be impacted, understanding the rules, or ablity to discerns the pros and cons of choices gives directional focus.  In other words, questions must be asked beyond the first level.  Be willing to dig a little deeper to ascertain what is behind an action, rule, or question.

The United States Treasury which is responsible for administering Social Security Funds Title II Old Age Survivor and Disability Insurance and Title XVI Supplemental Disability which supports low-income applicants which typically do not qualify for Title II, however there are a few exceptions. Under Internal Revenue Code authorization, the IRS is responsible for depositing taxes collected i.e. premiums into the Social Security Funds.  Notice those deductions from checks throughout work history for Social Security?  This is how transfer takes place.  This also provides a tracking mechanism often used to verify wages, taxes due, number of months worked, and total income in order to assess whether qualifications are met.  A review in terms of how long worked and how much put into Social Security for eligibility.  

Why is it important to know how eligibility is determined?  In my opinion, not all local Social Security offices are created equal.  And, let’s not forget personal interactions and conflicts which arise when dealing with personalities, cultural differences, and this list is truly endless as to the complications with human interactions.  

As if this was not enough, what if private companies trying to get out of paying their fair share?  What if they attempt to eliminate a Social Security Disability Approval in order to save themselves having to payout Short or Long-Term Disability?  Is denial in best interest of public and private insurance companies?  How many poor and middle class applicants have resources to take these giants on?  

What can these insurance companies do? One of the first things is denying claims for Policyholders.  If are able to deny claims for individuals, then most people will go under within six month, frankly.  Living paycheck to check means, mortgages go belly up, family needs end of being sacrifice in order to stay indoors.  By the end of six months, these insurance companies know sick, injured, or disabled people have been totally annihilated.  This may be a dog eat dog world in the insurance industry whether public or private, but is this what Policyholders are told?  Are they told, Social Security Disability will be a safety net in cause of injury? That Auto Insurance will come in as a knight in shining armor when involved in a collision?  Along with medical insurance providing the healthcare needed when physical and mental injuries occur?  How many people have been dropped from their insurance carrier in their most important time of need?  How many Auto Insurance Companies or Employers have failed their policyholders and taken them to court which extended out for 10 years?  This isn’t what policyholders signed up for at all. 

Can all these same things happen with Social Security Disability? Yes they can.  The surveillance done by any of these public or private insurance companies harass and intimidate sick, injured, or disabled to keep money promised for a rainy day for their customers.  All under the premise of fraud or anything else which instills fear into people who trusted and relied on their help.  Frankly, it is time to restructure the Insurance Industry.  Restoring the balance between needs of industry and Insured Civil Rights nationally.  What state has enough resources to keep these multi-billion dollar companies in check?  Or have too few Lobbyist to stop bad behavior tactics against Policyholders?  

Have you gotten letter from IRS to support the efforts of public or private insurance companies to deny a claim?  Unfortunately, it’s the 1% not the 99% where income is a factor.  Public or private companies in my opinion initiate IRS investigations toward these 99% in an effort to eliminate their own claims open by Policyholders.  Are you getting a sense that more goes into processing a claim?

Who is involved in process?  Many different corporations play a role in the lives of those seeking only what they have been promised.  The Organization Chart for Social Security Disability includes:  The U.S. Treasury/Internal Revenue Service, The Commissioner of Social Security who makes decisions about escalated cases or leaves it at local Social Security Office.  Supposedly, its not the same person who made the initial decision. Commissioner has the right not to share information regarding your case, even if it ends up in court.  I wonder is this for their benefit or the injured person?  

In summary, it includes The Secretary of Treasury, Social Security Commissioner, Board of Trustees, Secretary of Labor, Secretary of Health and Human Services.
Think all the basis are covered with this group?  And of course, private corporations are tied into each of these government agencies.  How are sick, injured, or disabled tied in?  Only through a need for assistance.  Wherein does this power lie?  Would Wall Street have to wait three years for help?  I suspect they would not.  They don’t wait more than 30 days on most occasions.  

Frankly, the greater distance government programs have from Wall Street, in my opinion, the better.  Why?  Main Street tends to face more difficulties whenever Wall Street has something to gain, like more to invest. Congress is also in this mix.  In fact once or twice a year they receive updates on Social Security Funds activities.  Congress could initiate Insured Civil Rights Legislation to protect sick, injured, or disabled for those on Social Security Disability, but also modification to ERISA which allow private corporations not to pay their fair share to employees who paid into their insurance plans.   

Wouldn’t you think those in the above Organization Chart are able to recognize the need for protections?  They know most disabled only receive income from them and live in poverty.  Wouldn’t you think it would be in their best interest to help their insured move from poverty to a decent standard of living?  This is especially after paying premiums to employers, auto or long-disability insurance companies?  How long will they remain silent about plight of their poor and middle class people receiving SSDI?  

In my opinion, when they work on behalf of Wall Street the equation is skewed in favor of corporations.  When Law Enforcement and State Attorney Generals work with public or private insurance companies, surveillance is added against sick, injured, or disabled who are already at a disadvantage with limited protections. The approval process is extensive for SSDI approval and most people would rather return to their pre-injury life rather than dealing with daily issues and agencies.

Will Social Security allow these companies to hide behind them?  Will they jump on the band wagon against the 99% now that Congress is interested in privatizing Social Security for Wall Street?  Will they disregard legitimate claims in order to reduce number of Baby Boomers who paid twice as much as any other generation?  One could ask where has money gone?  Babyboomers made enough for them and the generation before them to pay insurance.  So what happened to the money? And what can you do to stand up for yourself if finding yourself on the wrong side of this equation?  

There are many checks and balances in the process of managing both Social Security Funds. Pay attention to Congress’ willingness for Wall Street to gain access to these funds. Be watchful if Congress decides protections for policyholders are needed in both public or private insurance plans.

Perhaps new online Social Security Administration Website will create a standard which may help sync actions and behaviors of local offices.  Now individuals can go online and find out the facts for themselves.  This will also eliminate some confusions of the past by reducing answers which were not necessarily the same. 

Legal counsel does not always operate in best interest of a person applying for SSDI, which further complicates the process.  Attorney selections also require investigation on your part in order to protect your interest.

Frankly, the perceptions of disabled needs changing.  This is not the life circumstances dreamed of, no one likes pain and suffering, living in poverty, what kind of life is this for anyone?  This is an excellent time to bring out issues that have laid beneath the surface for generations throughout the United States. Respect and fair treatment for disabled would be a great start with paying out public and private insurance claims a close second.


Again, this is an Insurance Fund which is paid into by you on every paycheck. The framework must be viewed not only from standard SSDI procedures, but outside influences that may impact claim. Be aware people may not have your interest at heart.  Educating yourself about the rules of applying for Social Security Disability under Title II and Title XVI may be best defense.  Do not neglect the impact on Employer Benefits and Auto Insurance Companies.


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Social Security Disability Process

Start application process as soon as possible. Decisions can take up to three years. 

Don't get discourage if denied initially. Seems like this is common behavior for most insurance companies including SSDI. 

Most people suffer through these years without income.  Know that others have made it and so will you. 

There is also room for more Insured Civil Right Advocates to help improve the conditions of people injured in car accidents.  Let me know if you are interested #CarAccidentAdvocates.




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Meet ESTRA

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ESTRA welcomes you! Thanks for taking time to visit. Share your auto accident concerns through comments or experiences. My interest is to advocate and inform people about car collisions. Presenting ways of protections against common problems. The goal is a better outcomes for you. Follow ESTRA on Blogger. I’m listening to what you have to say about your Car Accident journey, Don't travel this path alone. Read, watch, or listen with me ESTRA at any time. I would really enjoy hearing from you. My Best, ESTRA