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If you receive Social Security Disability Benefits or Retirement Benefits, there are procedures to get a replacement check when your regular monthly check goes missing. Here is what you need to know to get your check replaced as quickly as possible with minimum hassle.

When you receive benefits from Social Security there are two options to receive payment. Social Security will mail you a check for delivery on a certain payment day, or they will deposit your payments into your checking account, savings account, or ETA debit card account. Receiving your check through the mail is the least reliable method and causes people the most trouble.

Social Security sends the checks out the week before they are due so the post office can deliver them on your check day. The post office frequently misroutes or delays the delivery of mail when this happens your check may not arrive on the intended day. If you are an individual on a fixed budget this can create enormous hardships for you when your rent (more...)

UNICARE health insurance provides individuals and families low rate coverage and comprehensive plans. Few of the UNICARE policies have low cost plans, with “$2,000″ yearly deductibles for each family member, thus offering the maximum payout on claims. The plan may offer waivers on deductibles to family members that do not meet the limited doctor visits. In other words, the policy may stipulate that each family member is permitted two doctor visits in 12 months, and if the policyholder does not meet the limits then deductibles may be waived. The plans offer a “$30″ Co-payment per member.

Be careful, since some plans charge 100 percent on three or more visits to the doctor. The plan may have low pricing with maximum deductibles of “$5000,” however, the doctor limits are increased. This means the higher the deductible the more visits you can spare, with waiver on deductibles and “$30″ Co-payments. There may also be co-payments on prescription drugs, usua (more...)