The Value of Mom Revealed

ValueofMomRevealedMoms have the ability to do it all it seems. They cook, clean, raise families, and in sometimes play the role of both parents when the other isn’t present. She does so much that goes unnoticed, and while you’re thankful for everything she does, have you ever really thought about the type of life you would be living if Mom weren’t doing as much as she does? Sometimes the unthinkable can happen and a person whose job was being a homemaker becomes disabled, they may find themselves ineligible for any kind of disability benefits that a normal working citizen could have. Since homemakers may lack the employment history need to qualify for SSDI, or Social Security Disability Insurance, we at SMA Services Inc. believe that just because you don’t have a certain work history means you shouldn’t be qualified for the help you deserve.

In addition to having medical disability, the SSDI program makes it a requirement that the insurer has a substantial work history with an employer that paid taxes to the Social Security Administration. Although, in some cases, if you stayed home for only a short time before becoming disabled, and you have a consistent work history before becoming a homemaker, you may still be eligible for SSDI. This works because SSDI premiums, like most policies, protect you against any sort of disability that may arise in the future. Therefore, even when you quit working you may be “paid up” on your SSDI insurance coverage for several years into the future. In some cases, if your spouse or ex-spouse has died, and you are either at least 50 years old or you have children under the age of 16, you may be able to use your spouse’s work history to qualify for SSDI disability payments.

In the event that you are not qualified for SSDI, there is an alternative option for assist with your income. SSI, or Supplemental Security Income, is available for those who do not qualify for SSDI. However, to be eligible for SSI you must meet certain strict income and asset limits. If your spouse works and you have assets, such as checking accounts and retirement accounts, you probably cannot qualify for SSI because you have too much money.

As we stated earlier, you may be eligible for benefits based on your spouse’s earnings record if your spouse has become disabled and is eligible for SSDI or has died, and:

  • You care for your deceased spouse’s child who is under the age of 16 or is disabled and eligible for child’s insurance benefits
  • You have not remarried
  • You are not eligible for a higher Social Security retirement benefit on your own earnings record or someone else’s, and
  •  You are not entitled to widow(er) benefits.

If you obtained a final divorce from your deceased ex-spouse, and meet all of the above criteria, you are also eligible for benefits.

There are several other benefits and insurance options available to those who qualify. There is no reason just because you are a homemaker that you should suffer without the help you deserve. We at SMA Services Inc. will work to get you the benefits to assist you and your family in your time of need. If you are interested in taking advantage of SMA’s Homemaker’s Disability Insurance policies, contact us today at and let us help you secure your future.

Preventative Care Matters

DentalInsurance-01Why Dental Insurance is Important
Does anyone really look forward to going to the dentist? No, that is not a trip we really enjoy. But it is so important. It pays to invest in prevention when it comes to protecting your teeth. The connection between oral health and overall health is well documented, and leaving dental coverage off the list of essential health benefits sends the wrong message about the importance of oral health. Dental insurance is generally low cost and highly affordable for many individuals and families. Many people who purchase dental insurance can benefit immediately, because dental insurance encourages, and generally pays for, regular check-ups.

Why Dental Insurance Makes Sense
If you have ever had dental work done you know it can be very costly. It can be as simple as a visit for professional cleaning and x-rays. Or it can be much more involved. Oral surgery, a crown, or a full set of dentures can be very expensive. The expense can mount quickly if dental work is required as a result of an emergency. If you just think about it for a moment dental insurance just makes good since. Depending on the type of insurance you have, dental plans pay either all or a percentage of the charges related to dental care.

It just stands to reason if you have dental insurance you are more likely to maintain a healthy mouth. Preventing oral health problems before they start is one of the best ways to keep your dental costs down. Don’t you think you will be more willing to have regular dental check-ups and cleanings if you have dental insurance? You know most insurance plans pay 100% for check-ups every 6 months.

Just how important is preventive care?
Let’s put it this way: Preventive care is important enough that a lot of dental insurance plans will pay for a check-up for new subscribers without a waiting period. They know that an ounce of prevention is worth a pound of cure.

Preventive care can help protect our overall health. A little know fact is there is a lot a dentist can tell while looking into your mouth. Studies have shown that your mouth can exhibit symptoms related to more than 120 non-dental diseases;  Two of those being diabetes and heart disease. A dental checkup is a good thing even if you are having no gum or teeth problems.

Give SMA Services, Inc. a call.  We would like to help you save money while maintaining a healthy mouth. The right dental plan can give you peace of mind and a gorgeous smile. We have a Customer Services Representative waiting to help you.

Customer Services – 1-800-423-4992


August 2014 Fun Facts

  • Did you know…TYPEWRITER is the longest word that can be made using the letters only on one row of the keyboard?
  •  Did you know… – only 55% of Americans know that the sun is a star?
  •  Did you know… – when you take a step, you are using up to 200 muscles?
  •  Did you know… – Cherophobia is a fear of fun?
  • Did you know… – daydreamers are better at solving complex problems?

Stay tuned for next month’s Fun Facts!

May 2014 Fun Facts

  • Did you know… two trees can create enough oxygen for a family of four.
  •  Did you know… beavers have orange teeth.
  •  Did you know… you breathe in about 13 pints of air every minute.
  •  Did you know… the dot over the letter “i” is called a tittle.

Stay tuned for next month’s Fun Facts!

Employee Spotlight – Fadwa Shunnarah

Fadwa ShunnarahIf you have ever called SMA Tours to make travel arrangements, you have probably spoken with Fadwa Shunnarah. Fadwa, who has worked in the Tours department since 1987, is extremely knowledgeable when it comes to international travel and books airfare, hotels, and rental cars for trips abroad. In addition, she also arranges cruise travel and group travel escort groups. “I have worked with physicians for 25 years and try my best to provide prompt and friendly service,” Fadwa said. “I truly enjoy helping everyone and they have made me feel like part of the family.”

Although her job sometimes requires her to be available “24/7”, Fadwa doesn’t mind at all. “Sometimes travelers experience an emergency such as cancelled or delayed flight,” she said, “And I am here to help them in any way I can.”

Fadwa is very active in her church and in her spare time, she enjoys traveling, spending time with her family, and cooking Middle Eastern cuisine. Her favorite dish? “There are so many delicious things but Stuffed squash is top of the list.


April 2014 Fun Facts

  • Did you know… the number of times a cricket chirps in 15 seconds, plus 37, will give you the current air temperature.
  •  Did you know… at birth a human has 350 bones, but only 206 bones when full grown.
  •  Did you know… the legs of bats are too weak to support their weight, so they hang upside down.
  •  Did you know… all polar bears are left-handed.

Stay tuned for next month’s Fun Facts!

March 2014 Fun Facts

  • Did you know… if you doubled one penny every day for 30 days, you would have $5,368,709?
  •  Did you know… the number of times a cricket chirps in 15 seconds, plus 37, will give you the current air temperature?
  •  Did you know… the most sensitive parts of the body are the mouth and the fingertips.
  •  Did you know… a male firefly’s light is twice as bright as a female’s?

Stay tuned for next month’s Fun Facts!

February 2014 Fun Facts

  • Did you know… animals that lay eggs don’t have belly buttons?
  •  Did you know… you blink over 10,000,000 times a year?
  •  Did you know… the eye makes movements 50 times every second?
  •  Did you know… cows give more milk when they listen to music?

Stay tuned for next month’s Fun Facts!

January 2014 Fun Facts

  • Did you know… mosquitoes are attracted to people who just ate bananas.?
  •  Did you know… all porcupines float in water?
  •  Did you know… if you keep a goldfish in a dark room it will eventually turn white?
  •  Did you know… 1/4 of the bones in your body are in your feet?

Stay tuned for next month’s Fun Facts!


November Fun Facts

  • Did you know… children grow faster in the spring?
  •  Did you know… the average human will eat an average of 8 spiders while sleeping?
  •  Did you know… a sneeze travels out of your nose at 100 mph?
  •  Did you know… brain waves can be used to power an electric train?

Some less exciting but more useful fun facts…

  • Did you know… Roth IRA—This is a tax-deferred and potentially tax-free savings plan available to all working individuals and their spouses who meet the IRS income requirements. Distributions, including accumulated earnings, may be made tax-free if the account has been held at least five years and the individual is at least 59½, or if any of the IRS exceptions apply. Contributions to a Roth IRA are not tax deductible, but withdrawals during retirement are generally tax-free.
  • Did you knowSEP IRA—A Simplified Employee Pension Plan is a retirement plan specifically designed for self-employed people and small-business owners. When establishing a SEP IRA plan for your business, you and any eligible employees establish your own separate SEP IRA; employer contributions are then made into each eligible employee’s SEP IRA.
  • Did you knowSIMPLE IRA—A Savings Incentive Match Plan for Employees’ IRA is an IRA-based plan that gives small-business employers a simplified method to make contributions toward their employees’ retirement and their own retirement. Under a SIMPLE IRA plan, employees may choose to make salary reduction contributions and the employer makes matching or non-elective contributions. All contributions are made directly to an individual retirement account (IRA) set up for each employee (a SIMPLE IRA). SIMPLE IRA plans are maintained on a calendar-year basis.
  • Did you knowTraditional IRA—This is an individual retirement savings account in which contributions plus earnings, interest, dividends, and capital gains may compound tax-deferred until you withdraw them as retirement income. Amounts withdrawn from traditional IRA plans are generally included as taxable income in the year received and may be subject to 10% federal tax penalties if withdrawn prior to age 59½, unless an exception applies.

Stay tuned for next month’s Fun Facts!