FAQ

Frequently Asked Questions

How can I tell if I am disabled enough to apply for Social Security disability benefits?
What is a durable power of attorney?
Can your driver's license be revoked just for having points? If so, how many?
What is a medical directive?
What are the two common types of consumer bankruptcy?

Q: How can I tell if I am disabled enough to apply for Social Security disability benefits?
A: Social security regulations make it easier to be found disabled as you get older. It becomes easier for a few people at age 45 (those unable to read English), for more people at age 50, for most people at age 55, and even more people at age 60. If you're over age 55 and you cannot do any job you have done in the past 15 years, you should definitely apply. If you're over age 50 and have a severe impairment that keeps you from doing all but the easiest jobs, you ought to apply.

Q: What is a durable power of attorney?
A: A power of attorney allows a person you appoint -- your "attorney-in-fact" -- to act in your place for financial purposes when and if you ever become incapacitated.

Q: Can your driver's license be revoked just for having points? If so, how many?
A: Yes. Your driver's license can be revoked for many reasons, one of which is the accumulation of points. In North Carolina, if you accumulate 12 or more points on your license in a three (3) year period, your license will be suspended.

Q: What is a medical directive?
A: A medical directive should be part of any complete estate plan and includes a health care proxy, a durable power of attorney for health care, a living will and medical instructions.

Q: What are the two common types of consumer bankruptcy?
A: Chapter 7 & 13 filings are two common types. They are suited to different situations. Speaking with an attorney who specializes in these forms of bankruptcy can provide the necessary information.