Does the Social Security Administration monitor your bank account if you have Social Security Disability Insurance Income?
SSDI - Not unless you owe the Federal Govt. money, such as taxes or student loans, also child support obligations.SSI - Yes. There is an agreement with the state, although you won’t find it even if you look, that if you receive Medicaid or Food Stamps, they can look into your bank accounts. This is besides the SSI, but can’t be garnished.You also have limits on SSI on your asset values, it varies by state, but most states the limit is $2,000 held in a bank account, especially if you use Medicaid or Food Stamps. SSDI = no limits.But don’t be fooled with SSI. States have something called “Medicaid Estate Recovery Program (MERP)”, please Google. This is essentially a state-run, full-time collection agency looking for you to abuse a state program. They can and do look at your bank accounts.I had Medicaid and Food Stamps. My DHS worker messed up my Food Stamp amount. 3 years later, I got called in to a DHS office, but it wasn’t them, it was the MERP jerks, threatening to have me arrested for over-payment of Food Stamps. It was DHS’s fault, but they do not care, at all. They are a bully collection agency approved by the govt. and they do whatever they want, inc. the ability to see your bank accounts.
Nice areas to live in Oakville, ON?
Give reasons please. i would like an area close to the best elementary/preschools, transportation and amenities. I hear that Oakville is a generally safe place, are there any areas i should avoid?
When I do a bank wire transfer, I see stuff like: 04/04/14 WT FED#02234 BANQUE INTERNATION /FTR/BNF= (I redacted this section) SRF# 0072296093502233 TRN#140404075577 RFB#. What does this mean?
IT is the fore-runner to IBAN Coding, known as correspondent banking.O4/04/14 is the “Value date”; that is the date which the money is applied to the account. This can be a forward date, real-time (although the banks won’t admit it, the payment can be “back-valued” by adjusting the interest accrual, and is entered on to the bank Statement by an accounting “journal”, which adjusts the figures.BNF is the “IBAN” (Code international Banking Code for the “Correspondent Bank”) - in this case “Banque National de Fracais” (National Bank of France)FED#02334 sounds like the Federal Reserve (your equivalent of the Bank of England) reference number which acts as an audit reference.SRF could be Suisse Francs (but normally expressed as CHF) or South African Rand.The TRN number is the unique transaction number for that contract and again acts as an audit trail through the international “corresponded banking system. In simple terms, if you are paying a person in a Country which is not domiciled in France, and nor are you, but the contract is in French Francs it has to go through the Corresponded bank accounts of both counter-parties banks.That is to say that your bank will have an account for the holding of French Francs; your counter-party’s bank will have the same arrangement with probably another bank say Banque Paribas. The too will have a unique reference.This sounds like an old transaction or one which has been issued through a Country which is not part of the SWIFT or IBAN network, so has had to put it through something on the lines of a telex, or e-mail (the former near extinct now).That sort of transfer is not real time, as IBAN /SWIFT, and may take a day to transfer as opposed to near instant as you have with SWIFT.I would check with your bank as the narration system on your statement may be different. There is also a possibility that with such a long reference it could be an audit reference for an electronic, international payment through a debit or credit card; the large the amount the less likely it is to be that sort of transfer.If you have concerns, contact your bank.
Which is better, Kaiser or Aetna?
I used to have Aetna PPO years ago. It was fine and benefits were good. Kaiser is an HMO and an entirely different way of delivering health care which provides all services under one roof. It is convenient, There are no claim forms to file, and there is a doctor for everything. I have had my same PCP for 28 years and many of the same specialists. It is easy to get a referral when needed. You are limited to Kaiser doctors. However, they are independent from Kaiser and contract with them to provide medical services. That makes them patient centered and not beholden to the corporation. Kaiser is non profit and less focused on making money. Doctors have complete freedom within their guidelines to provide services and prescribe medicine. Their decisions are final and require no review by bean counters and other low level employees making medical decisions as in other plans. Wait times are reasonable for tests and procedures, If an emergency arises, there are specialists available 24/7 to handle them immediately. This includes surgeons. If you need your gallbladder removed in the middle if the night, there is a surgeon who specializes in that, etc. The quality of care, organization, responsiveness to patient needs, and ratings are the highest Medicare gives. They hire only the best employees and providers. The facilities are state of the art. expanding, and being updated continuously.