First Access Benefits

How to Choose a Debt Resolution Company Without Getting Ripped Off?

Red flags, fee structures, and vetting steps to spot trustworthy debt settlement firms and avoid high-pressure scams. Benefits

It’s Very Possible to Get a Free Phone—But From Where?

Between Lifeline and carrier promos, you may be eligible for a no-cost device and discounted service. Benefits

Which States Have the Highest Denial Rates?

Some states deny well over two-thirds of initial disability claims. Here's which states have the toughest denial rates at the initial and reconsideration stages, and what to do about it. Home Owners

How Many People Apply for Disability Each Month?

Hundreds of thousands of people file for SSDI or SSI each month, but only a fraction are approved at the initial stage. Here's where claims go and what benefit amounts actually look like. Benefits

How to Prepare for a Disability Hearing?

Medical records, testimony, and a doctor's written RFC opinion are the three things that move ALJ hearings. Here's how to build each one before the hearing date. Benefits