Sheryl McCarthySheryl McCarthy

My name is Sheryl McCarthy and I am a civil rights attorney with a Juris Doctor degree. In my work, I strive to influence public policy and educate the public on important legal matters. I am passionate about highlighting issues related to civil liberties and labor rights, and I hope that my writing can help bring greater awareness to these critical topics.

Can You Go to Jail for Not Reporting Income to SSI? Penalties, Fines, and Jail Time

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Close-up of hands gripping jail bars in a dark setting, symbolizing imprisonment

Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) exist to support individuals with limited income or qualifying disabilities. Both programs operate under strict reporting requirements set by the Social Security Administration (SSA). Individuals must disclose income and significant life changes to remain eligible. Compliance helps prevent overpayments, fines, and legal consequences. What Income … Read more

How Much Does a Representative Payee Get Paid?

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Illustration of diverse people in red, white, and blue silhouettes with a wheelchair and American flag in the center

A representative payee is a person or organization appointed to manage Social Security or Supplemental Security Income (SSI) benefits for someone who cannot manage their finances. It can also include minors and adults dealing with substance use disorders who are considered incapable of handling funds responsibly. The purpose of appointing a representative payee is to … Read more

6 Signs That You Will Be Approved for Disability Benefits

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Man in a wheelchair facing a golden sunset across an open field, symbolizing resilience and hope

Navigating the Social Security Disability application process can feel like an uphill battle. Many applicants face long waits, complex paperwork, and frustrating denials, even when their conditions are severe. Confusion often sets in early, especially as people try to figure out if they have a realistic shot at getting approved. Every year, thousands of claims … Read more

What New Moms Can Expect from Maternity Leave in 2024

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New Mom on Maternity Leave

In the U.S., policies vary a lot. Some places offer 6 to 12 weeks of unpaid leave, while others have paid options. Meanwhile, in Canada, moms can take up to 18 months off with different levels of pay. Quite the difference, right? Getting back to work after maternity leave isn’t just about logistics—it’s an emotional … Read more

5 Things to Know About 401k Loan Interest Rates

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Thinking about dipping into your 401(k) for a loan? It’s super important to get a grip on the interest rates involved. Good news: 401(k) loans usually come with lower interest rates than personal loans or credit cards. Plus, the interest you pay? It goes right back into your retirement account, which can help boost your … Read more

9 Ways to Ensure Maximum Social Security Benefits for Married Couples

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Ways to Ensure Maximum Social Security Benefits for Married Couples

Planning for retirement can feel like trying to solve a complex puzzle. One key piece of that puzzle is maximizing Social Security benefits.  For married couples, there are several strategies to consider that can make a significant difference in your financial future. Let’s talk about some effective ways to get the most out of your … Read more