People'
The first Celebrex class action suit to be filed is believed to be the one
submitted in Illinois, in December 2004. That same month, Pfizer announced that
a recently performed clinical trial revealed that those taking Celebrex were at
increased risk - over two times that incurred by taking a placebo - of
experiencing a major cardiovascular episode. It would seem that the Illinois
class action suit will be only the first of many. And yet Celebrex remains on
the market. Most drugs that we take are liable to have a wide range of potential
side effects, most of which the majority of patients will never experience. For
liability purposes, pharmaceutical companies print all conceivable side effects
on their informational literature, and reading these before taking a medication
can be a nerve-wracking affair. But even side effects that have been encountered
by minimal numbers of people during clinical trials can find their way on to
this literature, and while you may be one of the unlucky ones whose painkiller
causes nausea, in most of these cases, the potential benefits far outweigh the
unlikely event of developing a minor side effect that will cease once the
medication has been stopped. It is a similar argument that has been used in
keeping Celebrex on the market - that the side effects encountered by some
should not deny others the benefits that the drug has to offer. Used commonly as
an anti-inflammatory and painkiller for conditions such as arthritis, it is
understandable that this would be an attractive drug to many. But surely not
when the side effect price is so high. Rigorous clinical trials are performed on
drugs before they reach the marketplace, but even these cannot predict all the
various implications of using a drug in longevity. But it seems that there are
too many highly effective drugs available today that cause life threatening side
effects - Celebrex is only one of these. Patients surely must be asking
themselves whether pharmaceutical companies are rushing apparently effective
drugs to the marketplace without ensuring that they are completely safe for
long-term use. Patients are responding in the only way that can really touch
these companies, in this case Pfizer: by filing Celebrex class action suits.
About the author: Dave Hoffman is the founder of
http://www.celebrex-class-action-suit.comWe provide a free service that connects
you with attorneys specializing in Clebrex Law. AN OVERVIEW OF BENEFITS
(Part II)Jinky C. MesiasSOCIAL SECURITY BENEFITS FOR FAMILY MEMBERSFamilies of
Social Security members are also covered by Social Security Benefits. When
members retires or became disabled their members also received their share of
Social Security Benefits.For spouse if he or she reaches the age of 62 or older
receives a monthly benefit. Also for spouse who takes care of the members child
under the age of 16 or takes care of a child who receives social security
benefits entitles the spouse to receive social security benefits. Unmarried
children under age 18 or under age 19 who is either a full-time student in
elementary or secondary school may also be given social security benefits. And
also a child of age 18 or older who is severely disabled is entitled to receive
social security benefits.Each of the family members may be able to receive up to
50% of the retirement or disability benefit however social security benefits are
only limited up to 150% to 180% depending on the circumstances faced by the
family. The benefit given to the social security member is not all affected or
reduced by the amount of benefits given to his or her family. And even the
benefits given to the ex-spouse with whom the social security member has been
married for at least 10 years would have no effect or whatsoever on the benefit
given to the member and to his or her other family.SOCIAL SECURITY SURVIVORS
BENEFITSIn the Social Security Survivors Benefits, this is where accumulated
credits are applied. For members who have accrued enough credits during their
working years his or her family members are eligible for Social Security
Survivors Benefits.The eligible family members include widows and widowers ages
62 and older, disabled widows or widowers ages 50 and up, widows and widowers
caring for a child under 16 years of age and who is receiving Social Security
Benefits, unmarried children under the age of 18 or under age 19 either a full
time elementary student or secondary school, or age 18 or older but is severely
disabled and lastly parents who are dependent entirely or not upon the social
security member will also receive social security benefits. In addition, the
Social Security also provides survivor benefits for divorced widows and widowers
after the death of their ex-spouse who is a social security member. The benefit
given to them will be based upon the Social Security account of the deceased
member. About the author: Jinky C. Mesias is a graduate of Bachelor of
Arts and Sciences in Business Administration Major in Business Management. She
is at present an Associate Manager of a Life Insurance Corporation and a
freelance writer. For suggestions and comments kindly
visit[url=http://www.socialsecuritylawattorney.com]Social Security
Attorney[/url] AN OVERVIEW OF BENEFITS (Part I)Jinky C. MesiasSOCIAL
SECURITY BENEFITSSocial Security members who were born before the year 1938 are
qualified to full social security retirement benefits which will be given when
they reach the age of 65. However, for those who just applied for their Social
Security in the year 2003, the required age for full retirement benefits will
increase to 67. The increase to be implemented is gradual just take for example
those members born in 1940 they may be able to get their full retirement
benefits when they attained the age of 65 and 6 months. For those members born
in 1950 they can get their full retirement benefits at the age of 66 and for
those born in 1960 onwards, their full retirement benefits will be given to them
at the age of 67. Social Security also offers early retirement benefits however
at a reduced retirement amount. The early retirement is available at age 62 of
members. The disadvantage of taking an early retirement benefit is that the
monthly benefit is permanently reduced. On the contrary, members who take the
early retirement option will be able to receive their benefits for a much longer
period of time. For those who tend to work beyond the full retirement option,
the extra income they earn during those extra working years will increase their
average income and will likewise increase their monthly retirement benefits. And
another advantage for not applying for early retirement is that there are no
earning limit for people ages 65 or older. SOCIAL SECURITY DISABILITY BENEFITSIn
order to qualify for social security benefits, members applying must be
suffering from a physical or mental impairment that is keeping him or her from
doing any important work for at least a year. Another consideration is that the
disability condition is anticipated to result in the death of the disabled
member. Disabled members are expected to file their disability claim the soonest
time possible since disability claims really takes a long time to process. In
most cases the monthly disability benefit if approved begins on the sixth month
of the disability.The Social Security Disability Benefits is reduced when
members have other government disability benefits. The standard rule for the
amount of disability payments that a member or his/her family is supposed to
receive must not exceed 80% of the averaged earning before a member becomes
disabled.The Social Security Benefits is given until the members condition
improves and returns to work. However, if ever the member didnt recover from his
or her disability the disability benefit continues as well as the Medicare
benefit. About the author: Jinky C. Mesias is a graduate of Bachelor of Arts
and Sciences in Business Administration Major in Business Management. She is at
present an Associate Manager of a Life Insurance Corporation and a freelance
writer. For suggestions and comments kindly
visit[url=http://www.socialsecuritylawattorney.com]Social Security
Attorney[/url] THE BASIS FOR SOCIAL SECURITY BENEFITSJinky C. MesiasThere
are certain bases which the Social Security use in order to determine the amount
of benefits to be released for each of their member. The Social Security Benefit
is based on factors such as date of birth of members, the type of benefit
applied for, the amount of earnings and the length of employment. All these
factors are considered in determining the Social Security Benefits and the
Medicare benefits. Other bases for determining Social Security Benefits are the
so-called Social Security Credits. As members of Social Security you get credit
points for your earnings. $900 in earnings can earn a member one credit. A
member has the chance to earn up a maximum of four credits in a year. However,
the amount of earnings needed to obtain one credit is not a constant that is why
every year there is an increase for the amount of earnings required for one
credit. The most number of credits required is forty which is about ten years
to accumulate. These credits are needed in order for a member to become eligible
for benefits. The disability and the survivor benefits usually require a much
lower number of credits. However, extra credits obtained during your working
lifetime, does not in any way indicate that members are to receive additional
benefits. Nonetheless, an increase in your Social Security contribution may
increase your benefits. For those who may have queries and may want to know your
detailed estimate of your Social Security Retirement, Disability and
Survivorship Benefits you may try to visit or call the Social Security
Administration. You may be made to fill up a Personal Earnings and Benefit
Estimate Statement. This statement is available by completing and submitting a
form SSA-7004 to the Social Security Administration. The Social Security in
return would just mail to you your requested statement. The Social Security
Benefits are usually based on the averaged total earnings over the members
working years. Moreover, the Social Security makes use of a formula in
determining the amount of benefits to be given to each of their members. And as
a standard rule about 42% of you earning goes to your Social Security Benefits.
Such is a small price to pay for a great packaged of future benefits. The Social
Security has already provided 44 million Americans with various Social Security
Benefits. The Social Security was created to provide a safety net for all
citizens of United States. About the author: Jinky C. Mesias is a graduate
of Bachelor of Arts and Sciences in Business Administration Major in Business
Management. She is at present an Associate Manager of a Life Insurance
Corporation and a freelance writer. For suggestions and comments kindly
visit[url=http://www.socialsecuritylawattorney.com]Social Security
Attorney[/url] SOCIAL SECURITY IN FOCUSJinky C. MesiasJust what is Social
Security? Social Security is an agency directed to provide benefits that would
act as a safety net for all citizens covered by it. Social Security is not only
concerned with retirement benefits for its members alone but also covers those
who are disabled, dependent for support upon members of Social Security, widow
and widower, a child of a member or a beneficiary of a member who died but who
is entitled to receive a benefit. However, the benefits to be given depend on
whether you satisfy all the requirements set by the Social Security. The Social
Security operates in this manner: would-be members are required to work and to
pay their Social Security contributions. And when they retire the Social
Security provide them with their retirement benefits. Likewise, in cases wherein
members became disabled they are also entitled to receive disability benefits.
Not only that, their spouse and their children are also to receive monthly
benefits. All of you must be wondering just how much you are to pay in order to
receive all the aforementioned benefits. There is a standard set by the Social
Security for which members are to follow. For members who are employed, 6.2% of
your wages is with held; your employer is also to share 6.2% matching
contributions. Your employer is tasked of depositing the withholding for your
social security benefits. And also there is an additional 1.45% withheld from
your wages and also a 1.45% matching contribution from your employer. The
additional deductions from your wages are intended to cover your Medicare
Benefits. The total deduction of Social Security from your wages is 7.65%. The
deduction is different for self-employed individuals. Self-employed members are
asked to pay 15.3% contributions out from their taxable income. The 15.3%
contribution covers both the Medicare as well as other Social Security Benefits.
The 15.3% is required up to the first $87,900 of income and a 2.9% is required
for earnings above $87,900. If we are to analyze the scenario we can plainly see
that members who are self-employed tend to pay a much higher contributions
compared to those employed members. The reason for this is that self-employed
members can deduct half of their federal self-employment taxes from their total
income when they are to pay their federal income tax. For question regarding
your contributions, Social Security has a hotline which you may try to contact
or you may visit Social Security Offices in your area. About the author:
Jinky C. Mesias is a graduate of Bachelor of Arts and Sciences in Business
Administration Major in Business Management. She is at present an Associate
Manager of a Life Insurance Corporation and a freelance writer. For suggestions
and comments kindly visit[url=http://www.socialsecuritylawattorney.com]Social
Security Attorney[/url] GET TO KNOW YOUR MONTHLY SOCIAL SECUIRTY
BENEFITSJinky C. MesiasThe benefits offered by Social Security are more than
just your monthly retirement benefit. In fact monthly benefits are also paid to
disabled working members under the age of 65. Likewise, retired members aged 62
and older received monthly retirement benefits. Spouses of retired or disabled
working members who are ages 62 and older without or with a child who is under
16 years old or a child over the age of 16 but disabled are all entitled to
monthly benefits.Even divorced spouse of a retired or a disabled Social Security
member who is aged 62 and older and who has been married to the Social Security
member for at least 10 years or more has also the right to receive a monthly
benefit. And also, unmarried children of a disabled, retired or deceased Social
Security member who is under 18 years old, or under age 19 and a full-time
elementary or secondary student is also allowed to receive monthly benefits.
Nonetheless, there are cases wherein a child of a retired, disabled or deceased
Social Security member becomes disabled before reaching the age of 22. The
Social Security ruling for this case gives the child the privileged or the right
to receive monthly benefits. Surviving spouse aged 60 or over, disabled or not
is also entitled to receive monthly benefits. Likewise, a surviving spouse who
is taking care of a disabled child and in which the childs age is under 16 and
has acquired the disability before reaching the age of 22 is granted the right
to receive monthly benefits. And also dependent parents of a deceased Social
Security member who are ages 62 and older have the right to be given monthly
benefits. The monthly benefits are usually paid through direct deposit to a bank
account. With regards to the bank account used you may call the nearest Social
Security Office in your area. The direct depositing of monthly benefits saves
time and does not require loads of paper works. The Social Security implemented
such process in order to prevent cases of checks getting lost in mails or checks
getting encashed by someone else posing as the owner of the check. And also,
there are situations wherein the Social Security member has transferred
residence and is hard to locate. Depositing benefits in banks is a more
convenient and secure method of delivering monthly benefits to Social Security
members. About the author: Jinky C. Mesias is a graduate of Bachelor of
Arts and Sciences in Business Administration Major in Business Management. She
is at present an Associate Manager of a Life Insurance Corporation and a
freelance writer. For suggestions and comments kindly
visit[url=http://www.socialsecuritylawattorney.com]Social Security
Attorney[/url]
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