What Is A ‘gold Ira’?

Cannabis, CBD, CBD oil, has been all the rage as of late due to their numerous health benefits and how it has become legal in some parts of the world. Another new player that has come to the scene is Delta-8 THC. Are you wondering what it is? How different is it from other cannabis products? Is it worth trying? Is it legal?

Delta-8 THC is a psychoactive compound that is quite similar to delta-9 THC, which is the compound in the cannabis plant that produces the high. Though it is quite similar to delta-9, it has a different chemical structure which makes it a lot less potent.

Similar to delta-9 THC, delta-8 also produces feelings of relaxation, pain relief, and euphoria, though a lot milder and with less adverse effects. It is often called “marijuana-lite” or “diet weed”.

With regards to the legality of delta-8 THC, unlike the heavily regulated THC, Delta-8 is legal to use in most US states because it`s extracted mostly from hemp-derived CBD which is legal to farm across the US.

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SSA Appeals: What Are They and When to Request One

SSA stands for the Social Security Administration, a federal agencies in the United States that manages social security benefits programs.

SSA appeals are a process through which a person who has been denied social security benefits or is unhappy with the amount of benefits received can request a review of their case. The appeals process can result in the original decision being overturned or modified.

What Is A Social Security Determination?

A determination is a decision that SSA makes for a claim. If you disagree with the SSA’s determination for your claim, you can make an appeal. If you submit a claim for your SSI payment, SSA will give you the amount they determined you are eligible for. If you think that the payment is too low, you can make an appeal.

The Social Security Administration (SSA) Appeals Process: Step-by-Step

The stages of SSA appeals are:
1.) Reconsideration
2.) Hearing by an administrative law judge (ALJ),
3.) Appeals Council Review, and
4.) Federal Court. The SSA appeals process comes in stages and timelines so that if you disagree with the second determination, you move higher up to take your case to a person of a higher position. Each stage may need you to meet requirements within 60 days to proceed. You can also have a hearing with an ALJ to discuss your case. 

Tips For Preparing For A Hearing For An SSA Appeal

When you are in a hearing, the judge will have to explain why your case has been determined as such and ask you and your representative questions about your case. You may bring a witness to answer the judge’s questions under oath. The judge may also call an expert if needed to testify.

Therefore, you can do the following for your hearing preparation:

1. Review all evidence in your case file. Submit new evidence, if available, to strengthen your case. The new evidence must be submitted within five days before the hearing. If you have less than five days before the hearing, you can appeal for a time extension to review the new evidence.

2. If you have any evidence you want the ALJ to consider, submit them as soon as possible. You can send electronic evidence through a special fax number and bar code provided by the hearing office through the Electronic Records Express (ERE).

The Reconsideration Stage: How to Request Another Review

At the reconsideration stage, a different SSA claims examiner reviews the original decision to ensure all evidence is considered and the correct decision is made. You must fill out the following forms based on your SSA appeal. Once the request is received and reviewed, the SSA will send a notice of reconsideration determination. 

During this stage, we recommend adding any additional evidence that you have available. 

Appeals Council Review: The Final Administrative Step

If the ALJ decision is not satisfactory, the next stage of appeal is to request a review to the SSA Appeals Council. The Appeals Council may review the case and make a new decision or send the case back to the ALJ for further review.

The Appeals Council can either grant, deny or dismiss your case upon examination. Therefore, you must have new evidence on or before the hearing decision. If there is reasonable cause to believe that said evidence would change the outcome, the Appeals Council will review your case. 

Upon reviewing your case, they can return it to the ALJ for another hearing. If they choose to decide your case, it can go two ways. 

1. If they make a less favorable decision to you, you will be sent a notice before issuing the decision. This way, you or your representative can respond appropriately. 
2. However, if the decision puts you in a more favorable end, they will enact it and send you a notice afterward. 

Either way, you get a copy of the review process and the reasons behind the decision-making.

Appealing to Federal Court: What You Need to Know

If the Appeals Council decision is unfavorable, the final stage of appeal is a federal court appeal. 

In this stage, you must file an action in the US District Court. The deadline will be up to 60 days after receiving your notice of the Appeals Council’s action. You are expected to receive the notice five days after the date of the notice.

The US District Court will process the presenting case and determine the final Agencies decision. You can expect the court to:

1. Send the case back to SSA for a new hearing and issue a new decision
2. Order the SSA to award the benefits
3. Dismiss the case.

Why You Need a Representative to Help with Your Appeal

Appealing claims can take a lot of time and energy that you can use for your other priorities. A representative experienced with the SSA appeals process can help increase the likelihood of a successful appeal. They can help you get your benefits by navigating the complex appeals process and qualifications. 

Many qualified non-attorneys representatives work on a contingency fee basis, which means they only get paid if you win your appeal. This can be a helpful option for individuals who cannot afford legal fees upfront.

When it comes to selecting the appropriate car seat for your child’s age and size, the options can seem overwhelming at first glance. However, with safety being the utmost priority, it’s essential to carefully consider various factors to ensure your child’s well-being on the road. Each stage requires specific features to provide optimal protection and comfort from infancy through to booster seat age. By understanding the key considerations for each type of car seat available and the laws surrounding car seats, you can make an informed decision that suits your child’s unique needs and promotes a safe travel experience for the whole family.

Infant Car Seats

When selecting an infant car seat, prioritize safety features over aesthetics to ensure your child’s protection on the road. Look for seats with a secure five-point harness system, side-impact protection, and Energy-absorbing foam.

Ensure the seat is compatible with your vehicle and that it meets all safety standards. Remember, the safest spot for your infant’s car seat is in the back seat, preferably in the middle. Make sure the seat is installed correctly and securely, with no more than an inch of movement.

Regularly check for recalls and stay updated on safety guidelines to keep your little one safe during every car ride. Your child’s safety is paramount, so choose wisely.

Convertible Car Seats

Ensure your child’s safety continues as they grow by considering a convertible car seat that provides reliable protection and comfort on the road. Convertible car seats are designed to accommodate children as they transition from rear-facing to forward-facing positions, offering versatility and longevity.

These seats typically have higher weight and height limits than infant car seats, allowing your child to use them for an extended period. Convertible car seats feature adjustable harness systems and multiple recline positions to ensure a proper fit as your child grows. Additionally, they offer side-impact protection and energy-absorbing foam for enhanced safety.

When selecting a convertible car seat, make sure it meets all safety standards and fits securely in your vehicle.

Booster Seats

Consider upgrading to a booster seat to provide your growing child with the necessary support and protection during car rides. Booster seats are designed for children who’ve outgrown their forward-facing car seat but aren’t yet ready for just a seat belt. They elevate your child, enabling the seat belt to fit properly across their chest and lap. Make sure the shoulder belt sits snugly across the shoulder and chest, not the neck or face.

Booster seats come in high-back and backless options, with high-back boosters offering additional head and neck support. Always check the weight and height limits of the booster seat to ensure it’s appropriate for your child’s size.

All-in-One Car Seats

If your child is ready to transition from a booster seat, you may want to explore all-in-one car seats as a versatile option for long-term use.

All-in-one car seats are designed to accommodate children from infancy to booster seat age, offering a seamless transition as your child grows. These seats typically have higher weight and height limits compared to other types, allowing for extended use.

They can be rear-facing for infants, forward-facing for toddlers, and then convert to booster seats for older children. With an all-in-one car seat, you won’t need to buy multiple seats as your child grows, making it a cost-effective and convenient choice for many parents.

Extended Rear-Facing Seats

When selecting a car seat for your child, prioritize safety by considering extended rear-facing seats for optimal protection. Extended rear-facing seats are designed to keep your child facing the back of the vehicle for a longer period, providing enhanced protection for their head, neck, and spine in the event of a crash.

These seats are recommended by safety experts as they distribute the force of a collision over a larger area, reducing the risk of Injury. By keeping your child rear-facing for as long as possible within the seat’s height and weight limits, you’re providing them with the best possible safety measures in the car.