There is plenty of paperwork and financial obligations that continue while dealing with devastating injuries and illnesses. Do you and/or spouse or significant other own property? Are you paying life insurance premiums? Have you been paying cash for health care providers before insurance pays?
Expenses for your medical care and other expenses incurred from injury and illness are devastating. At a time when things are already difficult, you and your family are supposed to know all the ins-and-outs of a foreign concept …. Disability alone is difficult!
When most learn of Homestead Exemption Property Taxes they think of senior citizens. This does reduce property taxes but differs from state-to-state. This was designed for senior citizens but also includes permanently and totally disabled residents. Many TBI survivors, chronically ill patients and families are unaware they may be entitled to a significant tax discount. Along with the possibility of this discount take a look at insurance premiums and health insurance contracts.
If you know a neighbor, friend, spouse, relative take a few moments to help them see if they qualify and how they handle the matter. In some states the property taxes are reduced regardless of income. To find out what your state requires search the web for “Homestead Exemption for State Name” (For example: New York). There are additional benefits for Veterans in many states.
Homestead Exemption Property Taxes
- Tax laws differ from state-to-state
- Exemptions for senior citizen and permanently and totally disabled residents
- Reduce property taxes (regardless of income in many states)
- Search web on line Homestead Exemption for your State and frequently asked questions (FAQ)
- Premiums may be waived while disabled
- Contact all insurance companies where policies exist
- May need paperwork filled out by physicians verifying medical status
Health Insurance Claims
- Don’t pay medical bill until insurance pays portion
- Medical Providers are under contract with health insurance company
- You may NOT owe anything & getting reimbursed if overpayments occur might be a nightmare or impossible!
- It is WRONG for a provider to demand payment or money when they are contracted by insurance carrier
- Contact the health insurance provider to get answers before paying out-of-pocket. They will help you understand what is covered, and what is not.
Any changes takes a considerable effort for understanding and additional paperwork. If you need help contact someone who will assist you through this process. If you know of someone who might be entitled to these benefits or they may have overlooked this, take a moment of your time to mention it.
- The History of Insurance (insureyes.com)
- Insurance Made Simple. Helpful Tips And Tricks! (finance-411.com)
- Homestead Exemptions (mjfelter.wordpress.com)
**********All material presented on Brain Injury Self Rehabilitation (BISR) is copyright and cannot be, copied, reproduced, or distributed in any way without the express, written consent of Edith E. Flickinger, BSN RN.