Author Archives: Joni B. Bailey

Why You Should Save – Not Spend – Your Tax Refund

© pixelrobot /

We’ve just survived the most popular season for advertisers and marketers, but as we enter a new year, the next big spending push is lurking around the corner:  tax refund season.  Quite a few businesses, both local and online, will be vying for your refund dollars this year.  Here’s why you should tune them all out and put that money into your savings account instead.

Read more ...

6 Frequently Asked Questions About Social Security and Self-Employment

© highwaystarz /
If you are self-employed, this blog is for you.  Here are the answers to 6 of the most frequently asked questions about Social Security and self-employment. 

Read more ...

What are the requirements to initially file a Social Security Disability Insurance claim?

© zimmytws /

One question I sometimes hear from potential clients is “How do I even know I should apply for benefits?  What are the requirements to initially file?”

Here are the four main requirements you should meet before you submit a Social Security Disability application. 

Read more ...

Supplemental Security Income Age-18 Redetermination:  What to Know


18th birthdays are usually a time of celebration and hope for the future.  However, for young people receiving Supplemental Security Income benefits, this otherwise happy time can be tinged with anxiety as they must go through the Social Security Administration’s age-18 redetermination process.  

As a Southern Illinois Social Security Disability attorney, I speak to many prospective clients who are receiving Supplemental Security Income benefits and are about to turn 18.  Here are a few key points many people don’t know.

Read more ...

Studies Confirm:  Mindfulness Can Reduce Physical Pain Without Drugs

© weise_maxim /
Did you know that simply practicing mindfulness can help the chronic pain that many Social Security Disability claimants feel?  I found myself talking with a wounded vet the other day about these concepts.  In a world where doctors are quick to prescribe addictive painkillers, mindfulness is a much-needed alternative.

Read more ...