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Once the short-term benefits expire (generally after three to six months), long-term disability insurance pays a percentage of your salary, usually 50 to 60 percent, depending on the policy. The benefits last until you can go back to work or for the number of years stated in the policy.

A disability claim can be appealed once, twice, even three times. The Social Security Disability appeal process involves several levels of appeal for denied disability claims. With each disability application that is filed, there are usually four levels of appeal that can be filed.

The Social Security Administration requires applicants to apply for the benefits immediately upon disability. The waiting period for availing benefits begins from the first month after application and the benefits will be awarded only after completing six months from the date of the disability. Supplemental Security Income (SSI) on the other hand w

Music streaming services gives access to millions of songs for a monthly subscription fee. There are many services to choose from, and some are better suited for specific devices.

The apps provided by streaming music providers are the best and usually the only way to enjoy their streaming music on mobile devices. However, every music service offers an app, so one just needs to download it from the Apple App Store or google play to enjoy streaming music on smartphone or tablet.