Use this VA disability back pay calculator to estimate how much the Department of Veterans Affairs may owe you in VA disability benefits.
Individuals who served in the military and have a service-related injury can apply for VA disability benefits. In some cases, the VA owes a qualified individual benefits that weren’t properly paid, known as back pay. Reasons the VA might owe back pay include:
You filed a disability claim within a year of separating from the military, in which case your effective date becomes the day after your separation from active service.
The VA made an error when calculating your benefits, such as assigning you the wrong disability rating.
Your disability rating increased and it took a while for the VA to approve the increase.
This calculator uses the most up-to-date benefit rates, but your actual VA disability back pay might be higher or lower than what this calculator estimates. If your effective date for your additional VA disability benefits is prior to the current year or your family situation changes, the calculator might underestimate or overestimate your benefits. Also, this calculator doesn’t include annual cost-of-living adjustments to benefits rates.
How to use this VA disability back pay calculator
Select the date your back pay should have become effective. If you are filing for back pay more than a year after your separation from active service or more than a year since your disability rating increased, the effective date will be the date on which you filed the claim.
Select your marital status. The VA uses your marital status to determine if you need additional money to support a spouse. If you answered yes, continue to step 3. If you answered no, skip to step 4.
If you indicated that you’re married, indicate whether your spouse receives Aid and Attendance benefits. Receiving Aid and Attendance benefits means that your spouse needs physical assistance, which may increase your VA back pay.
Select your disability rating. The more severe your disability, the higher your VA disability payments will be. If you have multiple qualifying disabilities, use your combined disability rating from the VA.
Indicate if you claim parents as dependents. Your VA benefits may be higher if you claim one parent as dependent or both parents as dependents on your tax return. If you answered yes, continue to step 6. If you answer no, skip to step 7.
Select how many parents you claim as dependents. The VA increases your benefit for each parent you claim as a dependent.
Indicate if you claim children as dependents. Biological, adopted and step-children are included. Children who are 18-23 must be unmarried and enrolled in an approved college or university to qualify as a dependent. If you selected yes, continue to step 8. If you select no, the calculator will show you your final estimate.
Answer whether you claim children who are under 18 years old. Your benefit will increase for each child you claim. If yes, continue to step 9. If no, skip to step 10.
Indicate how many children you claim under 18 years of age. The VA adjusts your benefit for each child under 18 that you claim as a dependent.
Answer whether you claim children who are 18 years of age or older, unmarried and enrolled in a college or university. Your benefit will increase for each child you claim as a dependent. If yes, continue to step 11. If no, the calculator will show you your final VA back pay estimate.
Indicate how many children 18 or older you claim as a dependent. The VA adjusts your benefit for each child 18 or older that you claim as a dependent.
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How the VA disability back pay calculator works
VA back pay is based on marital status, disability rating and type and number of dependents. Each of these factors affects your monthly benefit in different ways, and the calculator accounts for these differences.
The VA disability back pay calculator uses the VA’s most recent annual disability rates. The answers you enter in the calculator determine what is in your estimate.
The calculator also looks at your estimated effective date and multiplies your estimated monthly benefit by the number of months since that date. The result is your estimated VA disability back pay.
If your financial situation changed between your disability benefits effective date and now — for example, you became financially responsible for a child or a parent — you’ll need to use the calculator twice. Use it once with the information leading up to the financial change and write down the estimated benefit amount. Then use it again with the information from the financial change to now and write down that estimate. Add the two estimates together for your total estimated back pay.
Next steps: Learn more about VA disability benefits
Here are a few other NerdWallet articles about VA disability benefits:
If VA disability benefits are a major part of your monthly income and you are struggling to afford basic necessities such as food and shelter, you may be able to apply for other government assistance or organizational programs. These include:
You can see a list of additional government programs on USA.gov for a variety of support options.
When the Canada-based BMO bank acquired Bank of the West, headquartered in the U.S., in 2021, American consumers gained access to BMO’s credit card portfolio, which includes personal and business cards.
As of this writing, BMO offers two cash-back cards, a travel card, a 0% APR/balance transfer card and a secured card. However, a BMO representative confirmed that the card offerings and current card benefits may change in early 2024.
Here’s what you need to know about these cards before deciding whether to apply for one.
While BMO offers business credit cards, this article covers only its personal credit card offerings.
For a break on interest: BMO Platinum Credit Card
If you need an extra-long reprieve from interest, your best option among the BMO cards is the Platinum Credit Card. For a $0 annual fee, cardholders get 0% APR on purchases and balance transfers for 15 months (as of this writing). There are two important caveats to these offers, though: You may lose the 0% APR benefit if you make a late payment, and the balance transfer must be completed within 90 days of account opening in order to get the 0% APR offer.
The balance transfer fee for all of BMO’s personal credit cards is $10 or 4% of the amount of the balance transfer, whichever amount is greater. BMO only allows balance transfers of credit card debt. And as is standard with most issuers, it doesn’t permit transfers between BMO accounts.
As balance transfer offers go, this is a decent one, but it’s possible to find credit cards with longer interest-free promotions. The Wells Fargo Reflect® Card, for instance, offers 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 18.24%, 24.74%, or 29.99% Variable APR .
All of BMO’s publicly available personal credit cards offer cell phone protection plans. Cardholders are eligible for up to $400 in coverage except for Premium Rewards cardholders, who get up to $600 worth of coverage. To qualify for cell phone insurance, you must pay your cell phone bill with a qualifying BMO credit card. A $50 deductible is required for each claim.
For building credit: BMO Boost Secured Credit Card
BMO’s lone secured card requires a $25 annual fee and a minimum $300 security deposit. Those numbers are on the higher end compared with other secured cards. The Discover it® Secured Credit Card, for example, has a $0 annual fee and a $200 minimum security deposit — and it earns rewards, which the Boost Secured card does not.
However, the Boost Secured does offer two benefits rarely found in other cards for people with bad or limited credit: cell phone insurance and rental car insurance.
For travelers: BMO Premium Rewards Credit Card
The only travel card in BMO’s credit card portfolio, the Premium Rewards card, offers some solid perks for a $79 annual fee, which is waived the first year. Some highlights:
15% bonus points on your account anniversary (15% of total purchases made in the previous year).
A sign-up bonus of 35,000 bonus points when you spend $5,000 within 3 months of opening your account (as of this writing).
Access to over 850 airport VIP lounges worldwide with Priority Pass Select, plus two complimentary visits to participating lounges.
No foreign transaction fees.
Lost or damaged luggage insurance.
By comparison, the venerable Chase Sapphire Preferred® Card awards a 10% points bonus on each account anniversary and doesn’t come with lounge access, and its annual fee is slightly higher than the Premium Rewards card. However, unlike the BMO Premium Rewards card, the Chase Sapphire Preferred® Card features travel partners to which you can transfer your points, often for outsize value.
The Premium Rewards card also earns the following rewards in BMO’s proprietary currency, Flex Rewards:
3 Flex Rewards points per $1 spent on eligible dining, hotels and airfare (on up to $2,500 in combined spending each quarter), and 1x on all purchases after that.
1 Flex Rewards point per $1 spent on all other eligible purchases.
Flex Rewards points may be redeemed for flights, hotels, merchandise, gift cards and statement credits, among other options. Point values vary depending on the redemption; cardholders can check the redemption value at www.bmoflexrewards.com.
Flex Rewards points don’t expire, assuming your account remains in good standing with BMO.
For cash back: BMO Cash Back Credit Card and the BMO Platinum Rewards Credit Card
Two BMO cards would be good picks as cash-back cards. One earns direct cash back as a percentage of each purchase; the other earns BMO’s proprietary currency, Flex Rewards, which can be redeemed for cash back in the form of statement credit.
BMO Cash Back Credit Card
For straightforward cash-back rewards, the aptly named BMO Cash Back Credit Card is probably the better choice. It has the higher rewards rates, and the rewards categories represent a range of everyday spending. The $0-annual-fee Cash Back card earns:
5% cash back on eligible streaming, cable TV and satellite services.
3% cash back on eligible gas and grocery purchases, up to $2,500 in combined quarterly spending (1% after that).
1% cash back on all other eligible purchases.
The only redemption option is a statement credit. Rewards never expire as long as the account is open and in good standing.
As of this writing, the card also comes with the following sign-up bonus: Get a $200 cash-back bonus when you spend $2,000 within 3 months of opening your account.
BMO Platinum Rewards Credit Card
The Platinum Rewards card, like its Cash Back sibling, earns rewards on gas and groceries, but the rewards rates on the Platinum Rewards card are a hair lower. It earns:
2 Flex Rewards points per $1 spent on eligible gas and groceries, up to $2,500 in combined spending each calendar quarter (1x on all purchases after that).
1 Flex Rewards point per $1 spent on all other eligible purchases.
Redemption options for the Platinum Rewards card are the same as the Premium Rewards card because both cards earn Flex Rewards.
In favor of the Platinum Rewards card, its annual fee is also $0, and it has a good welcome offer: Get 25,000 bonus points when you spend $2,000 within 3 months of opening your account. It also gives cardholders a points bonus every account anniversary equal to 10% of the total points earned in the past year. The Cash Back card doesn’t award an annual bonus.
These are both decent options for cash back. But if you’d prefer a simple, high flat rate back on everything, without the need to keep track of bonus categories, you could consider a product like the Citi Double Cash® Card. It earns 2% cash back on every purchase: 1% back when you buy, 1% back when you pay it back.
The card has a $0 annual fee, and it also offers a 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 19.24%-29.24% Variable APR.
Who doesn’t want to be rewarded?
Create a NerdWallet account for personalized recommendations, and find the card that rewards you the most for your spending.
The information provided on this website does not, and is not intended to, act as legal, financial or credit advice.
To increase your credit score to 800, you’ll need a nearly flawless payment history, a credit utilization rate well below 30%, a healthy mix of credit types, and an extensive credit history.
The average American has a credit score of 716, well within the range of what is considered a good credit score. Many people may be content with that score, but there are benefits of working your way up to the exceptional range, which starts at 800 according to the FICO® scoring method. If you’re wondering how to increase your credit score to 800, focused and careful financial habits might help you get there.
Learn more about this prestigious credit score and how to work toward it so you can improve your financial situation.
What Is an 800 Credit Score?
A credit score between 800 and 850 is considered exceptional credit. Only 23.3% of consumers have reached this credit tier, which has significant perks, including better interest rates and access to better financial products.
Several different credit scores exist, but lenders most commonly use the FICO Score, which is a number ranging from 300 to 850. Credit scores fall into five categories using this scoring method:
Very Poor: 300 – 579
Fair: 580 – 669
Good: 670 – 739
Very Good: 740 – 799
Exceptional: 800 – 850
How to Get an 800 Credit Score
An 800 credit score is more attainable than it seems. The average number of people with this score has increased steadily since 2010.
Follow the steps below to start your journey to better credit.
1. Obtain Your Credit Report and Resolve Any Discrepancies
First, request a copy of your credit report. Look for any discrepancies. File a dispute for any issues so your credit report is accurate. Credit score companies, such as FICO, base your credit score on the information in your credit report, so accuracy is essential.
If you notice errors on your report, you aren’t alone—according to an FTC study, roughly 25% of people reported errors on their credit report. Fortunately, you can challenge mistakes under the Fair Credit Reporting Act. Gather evidence to support your case and write a dispute letter to the reporting bureau. They have 30 days to investigate your claim and five days to notify you of their findings in writing.
2. Analyze Your Credit Report for Areas of Improvement
Once you’ve resolved any issues, analyze your report to determine why your score is lower than 800. Your FICO score looks at the following to determine your credit score:
Payment history: Whether you pay your bills on time and in full is the most important factor, accounting for 35% of your overall score.
Amounts owed: This refers to how much credit you’re using compared to your total credit limit, and it makes up 30% of your overall score. The less of a balance you carry from month to month, the better it is for your credit health.
Length of credit history: Credit history looks at the following and accounts for 15% of your credit score:
Age of oldest account
Age of newest account
Average age of accounts
How frequently you use revolving credit
Credit mix: FICO considers the types of credit accounts you have, such as revolving and installment credit. This factors into 10% of your score.
New credit: FICO bases 10% of your score on whether you’ve applied for several new lines of credit in a short time frame, indicating you may be overextending yourself.
Analyze your report with those factors in mind. Look for areas that need improvement:
Are you paying your bills on time?
Do you owe more than 30% of your available credit?
Is your credit history too short?
Do you only have one type of credit?
Have you opened too many lines of credit at once?
Based on the answers to those questions, you can determine what to focus on as you raise your credit score to 800.
3. Establish a Strong Payment History
The most significant factor in your credit score is a strong payment history, and Lending Tree found that 100% of people they surveyed with an 800 credit score pay all their bills on time and in full. If your credit report shows you have late payments, focus on improving your payment history.
Enroll in auto pay to ensure debts are paid promptly (but ensure you always have enough in your account to avoid overdraft fees). If you prefer to pay bills manually, add due dates to your calendar and set reminders to pay them.
4. Manage Your Credit Utilization
The second largest impact on your credit score is credit utilization, so you should prioritize lowering it. Total all your revolving credit debts (usually credit cards and home equity lines of credit) and divide that number by your total available credit. Then, multiply that number by 100 to get a percentage.
For example, if you have one credit card with a balance of $3,000 and a second one with a balance of $2,000, your total revolving credit debt is $5,000. If each card has a credit limit of $7,000, your total available credit would be $14,000. A balance of $5,000 in debt divided by available credit of $14,000 would be 0.357. Multiplied by 100, you’d get a credit utilization rate of 35.7%.
People with good credit scores tend to have a credit utilization rate below 30%. But if you’re working to earn an 800 credit score, you’ll want to keep that number even lower: The average credit utilization rate for people with 800 credit scores is 6.1%.
If your credit utilization rate is too high, start paying down your debt. Several strategies can help you tackle this effectively:
Debt snowball method: Use extra money in your monthly budget to pay off your smallest debt. Once you’ve paid that debt off, apply the minimum payment of that debt plus the extra money in your budget toward the next smallest debt. Over time, the money you put toward your debts becomes larger, like a snowball.
Debt avalanche method: Use extra money in your monthly budget to gradually pay off the debt with the highest interest rate. Then, apply that debt’s minimum monthly payment and extra money in your monthly budget to the debt with the next highest interest rate. With this strategy, you’ll save a significant amount of money on interest.
It’s also important to avoid taking on new debt while you pay down the balances of your existing debt. Establish a budget, stick to it, and avoid making large purchases unless absolutely necessary.
5. Maintain a Mix of Credit Types
Lenders want to see a mix of credit types on your credit report. These can include:
Finance company accounts
You don’t need all of these account types on your credit report, but you should aim to have more than one since a person with an 800 credit score has an average of 8.3 open accounts.
But don’t take out an installment loan just to raise your credit score. Instead, consider a credit builder loan, which involves a lender depositing the loan amount into a savings account or a certificate of deposit (CD). You’ll receive the total amount once you repay the loan, which will appear as a personal loan on your credit report.
If you have loans but no credit card, consider opening one with a low credit limit and use it for one type of purchase, such as gas or groceries. Apply for a secured credit card if you can’t get approved for a traditional credit card. This type of credit card requires a cash deposit in the amount of the credit limit that operates as collateral.
6. Lengthen Your Credit History
Lenders want to see a long history of responsible credit, so lengthening your credit history can help you raise your credit score to 800. The average age of the oldest active account for those with an 800+ credit score is 21.7 years.
Improving this area of your credit often requires patience, but you can have someone with a long credit history, such as a parent or spouse, add you as an authorized user to their credit card. For example, if your parents have had the same credit card for 10 years and they add you as an authorized user, you’ll lengthen your credit history by 10 years.
Also, don’t stop using credit cards with a longer account history, or you risk decreasing your credit history. Instead, keep them active by making small monthly purchases and paying them off immediately.
7. Monitor Your Credit Report and Credit Score
As you work through the various strategies, monitor your credit report regularly. Report any errors, monitor your report for areas of improvement, and adjust your plan as needed.
You can check your credit report for free annually using sites like annualcreditreport.com. You can also prevent hard inquiries by placing a security freeze on your credit report. This helps prevent identity theft but can also help avoid unnecessary hard credit pulls that may harm your credit.
Some credit cards may allow you to see your credit score every month as part of your monthly billing statement. (Some issuers may offer this feature for free, while others may do it for a small fee.) Ask if your credit card issuer offers this benefit and use it to track your credit score regularly.
8. Be Patient and Persistent
Working to raise your credit score is a long-term commitment. Predicting how long it will take to improve your credit depends on several factors, such as:
Your current score
Your overall credit history
How much debt you owe
How quickly you can pay the debt down
Even if you don’t see gains right away, or they’re smaller than you’d like, stick with your responsible habits. Over time, your score should improve, and even if you don’t make it to the esteemed 800, you’ll still see the benefits of a higher credit score.
Benefits of an 800 Credit Score
Raising your credit score to 800 isn’t easy, but several benefits make it worthwhile.
Easier approval for credit applications. An applicant with an 800 credit score is a low-risk investment for lenders, so they’ll quickly approve you for credit as long as the debt fits your income level.
Lower interest rates on loans and credit cards. Lenders base the interest they charge partially on borrowers’ credit scores, so the higher your credit score, the lower your rate. Once you reach 800, you’ll be able to access the best interest rates on the market, often lower than the national average, saving you money over the life of the loan.
Higher credit limits on credit cards. Credit card issuers often reward people with good credit with higher credit limits—the average credit limit of someone with an 800 credit score is $69,346, much higher than the of $28,930. While this gives you more purchasing power, its biggest benefit is that it makes it easier to maintain a lower credit utilization rate.
Access to better credit card products. With a higher credit score, you’ll qualify for credit cards with better rewards. For example, you may get access to airport lounges or earn a higher rate of return on your cash back or airline miles.
Lower insurance premiums. Insurance companies often pull your credit before determining your rate. Increasing your credit score to 800 may result in a lower rate on your home or auto insurance when you apply for a new policy.
Improved rental prospects. If you want to rent, boosting your credit score to over 800 can give you access to more rental options. Landlords use credit scores to determine how reliable you’ll be at paying your rent, and with an 800 credit score, nearly every landlord will find you a favorable tenant.
Peace of mind. With an 800 credit score, you can access loans or utilize your higher credit limits on credit cards when hard times happen.
Improve Your Financial Habits With Credit.com
Improving your credit score comes with substantial benefits, especially when you reach the exceptional credit level. While raising your credit score to 800 can take a while, the financial peace of mind, lower interest rates, and other benefits are worth it.
Start your journey to an 800 credit score by addressing any discrepancies. Then, work toward improving financial behaviors that impact your credit, such as making on-time payments and minimizing your credit utilization rate.
Are you looking for the best game apps to win money? Yes, you can actually play games to win real money on your phone and make extra money. There are lots of apps for both iPhones and Androids that let you do this. If you already spend a lot of time playing games on your…
Are you looking for the best game apps to win money?
Yes, you can actually play games to win real money on your phone and make extra money.
There are lots of apps for both iPhones and Androids that let you do this. If you already spend a lot of time playing games on your phone, then you might as well get paid for it, right?
In this article, I’m going to talk about some really good game apps that let you win actual money prizes. These games include ones like those you might find in a casino as well as easier puzzle games and even arcade style games. So, there’s something for everyone. When you play and collect points or coins, you can get your winnings through easy ways like PayPal and Apple Pay.
Playing game apps can be fun and you can even win real money.
The best game apps that pay real money include KashKick, Swagbucks, and InboxDollars.
Popular payout methods include PayPal, Apple Pay, and gift cards.
Game apps pay real money rewards because they make their money from ads and in-app purchases. They give you a portion of their earnings to encourage you to continue playing their games.
Do any game apps actually pay real money?
Yes, some game apps do pay real money or in gift cards. They most likely will never be a main source of income or a full-time job, though – simply just a way to make some extra money.
Why do game apps pay you real money?
Game apps that give out real money usually make money through ads, things you buy in the app, and paid gaming competitions/tournaments. They share a little of what they earn with you to get you to keep playing their games.
Sometimes, game apps have partnered with different game developers and companies so that people will try new games and earn rewards for them. Since the game app is being paid and they want more people to play the game, they then will share some of their earnings with you to get you to keep playing the games in their app.
It’s a win-win! You get to enjoy yourself and make some extra money, and businesses get to showcase their ads and games to a wider audience.
Recommended reading: 30 Best Money Making Apps
Best Game Apps To Win Real Money
Here’s a quick list of the top game apps that pay real cash:
Below, I dive further into the best game apps to win real money.
I think the best game app to win real money is KashKick.
KashKick allows you to earn $100 or more by playing popular mobile games like Yahtzee and Monopoly GO. You can also make money by trying new products and services, watching videos, answering surveys, and reading emails.
There are many different games you can play on KashKick such as:
For example, here’s how you can make money playing Monopoly Go on KashKick: “Install (make sure to accept tracking requirements on your device!) and reach Board 27 within 8 days from the install date to get $30, reach Board 42 within 12 days for $40 more and reach Board 71 within 24 days for another $50 – for a total of $120!”
Please click here to sign up for KashKick for free.
Recommended reading: KashKick Review
Another favorite game app to win real cash is Swagbucks.
Swagbucks is a very popular rewards site where you can earn money by playing games, taking surveys, watching videos, and shopping online, and you can cash out what you earn with PayPal cash or gift cards.
Swagbucks is a company that I started using years ago, and it has helped me easily earn some extra cash on the side, all from home or while traveling. I have personally earned over 100 free gift cards through Swagbucks, so I know that they are a legit game app that pays you real money!
To play games on Swagbucks, you simply head to the “Play” tab when you are logged in. When I logged in, I had over 20 available games that I could get paid to play, with a total rewards value of $2,264.02 or 226,402 SB points.
Some of the games you can play on Swagbucks include:
Wizard of Oz Slots
If you join Swagbucks through my referral link, you can receive a $10 bonus.
Recommended reading: Swagbucks Review
InboxDollars is another good rewards site that pays you cash for taking surveys, shopping online, playing games, and reading certain emails. In fact, InboxDollars has been around since 2000, and they have paid over $80 million in cash and gift cards.
They pay via PayPal cash as well as gift cards to places such as Amazon, Apple, Target, Dunkin’ Donuts, Lowe’s, Barnes & Noble, and Gap.
To play games on InboxDollars, simply head to the tab that says “Games.”
When I log in, I have 8 games available for me to currently play, such as Mahjong Dimensions, Solitaire, Word Wipe, Monkey Bubble Shooter, Pyramid Solitaire, Candy Jam, Pet Hop, and Giant Hamster Run.
Sign up for InboxDollars here and get a free $5 bonus.
PrizeRebel is a popular rewards site where you can play games (as well as take surveys that pay instantly and more). You can redeem your rewards points for PayPal cash, gift cards, and even cryptocurrency.
Some of the games on PrizeRebel include Bingo Blitz, Solitaire Grand Harvest, Age of Apes, Kingdom Guard, Yahtzee, Woody Sort, Viking Rise, and more.
You can sign up for PrizeRebel here.
MyPoints is a rewards platform where you can earn money by playing games, watching videos, and participating in surveys. Your earnings can be redeemed as gift cards or PayPal cash.
To get paid to play games on MyPoints, you log in and head to the “Games” tab, and there you will see games such as Bejeweled, Bingo, Catch 21, Puzzle Match, Wheel of Fortune, and more.
Sign up for MyPoints by clicking here.
6. Blackout Bingo
Blackout Bingo is a highly-rated bingo game app that allows you to win real cash. In fact, there are nearly 90,000 reviews on the App Store alone, with an average of 4.5 out of a 5 star rating.
Over 5,000,000 people have played this bingo app where you can win rewards and cash prizes too.
You play against other players in real time and can cash out your winnings via PayPal.
7. Bingo Cash
Bingo Cash is a fun game of Bingo that you can play for free, and you can play against other people no matter where you are in the world. You get to “travel” to different places in the game and practice your Bingo skills. Plus, you can win really big prizes!
Bingo Cash is a free game that you can play on the popular gaming platform called Papaya.
It’s easy and safe to get your prize money through PayPal. You can choose from lots of cool prizes like Airpods Pro, iPads, and coffee makers!
Note: If you live in AZ, AR, CT, DE, LA, MT, SC, SD, or TN, you can’t join prize tournaments. But don’t worry, you can still play for fun with the game app’s virtual currency.
8. Solitaire Cube
If you like to play solitaire, then this is the game app for you as you can get rewarded for playing just like how you normally do.
Solitaire Cube is a card game app that allows you to test your card skills and win real money. The game is available for free on iOS and Android and is perfect for solitaire fans who want to put their skills to the test.
With this game app, you play against other real players all from your phone. Your rewards can be cashed out for PayPal cash or Apple Pay.
Mistplay is one of the most popular game apps to win money, with over 400,000 reviews and an average rating of over 4.1 stars out of 5. There have been over 10,000,000 downloads of this app too!
Mistplay is an app where you can earn money by playing and testing new games on your smartphone. It’s a great option if you enjoy discovering new games and want to make some extra cash.
Mistplay has given away $60,000,000 in rewards for playing games since the site was created too.
You can redeem your points for PayPal cash or gift cards to Visa, Amazon, and more.
Note: This app is currently only available for Android phones on Google Play.
10. Fanduel Fantasy Sports
If you like football, soccer, hockey, baseball, basketball, golf, and other sports, then this is the app for you.
Fanduel Fantasy Sports is a sports betting site where you create your fantasy sports lineup and compete with other players for cash prizes.
With this app, you have a chance to win real money. You simply create your fantasy team, keep an eye on your scores, and compete every day for prizes in lots of different fantasy contests.
Note: Fanduel Fantasy Sports is only open to U.S. residents and users must be 18 or older (19 or older in AL, 21 or older in AZ, IA, LA, MA). Users physically located in DE, ID, HI, MT, NV, and WA are not eligible to participate in paid contests.
11. Cash’em All
If you’re a casual gamer and want to play games in your spare time for a chance to win real cash, give Cash’em All a try.
This app doesn’t bother you with in-app purchases or ad walls. Instead, you earn points, or “coins” as the app calls them, for each second you play their games.
There are many different games that you can play on Cash’em All, such as Candy Crush, Match Masters, Bingo Blitz, Coin Master, and more.
You earn points which then can be exchanged into PayPal cash or gift cards to places such as Netflix, Amazon, and more.
Note: This app is currently only available for Android phones on Google Play.
12. 21 Blitz
21 Blitz is a blackjack and solitaire hybrid card game where you can win real money, and it’s a fun choice for people who like card games. Also, it’s great for practicing blackjack, exercising your brain, or simply having fun.
You can play against real people for free. When you feel ready, you can switch to cash games and have a chance to win real money.
This game is a part of the Skillz platform, which is a popular game app platform where people can win real money through their collection of different games that they have (they have some of the best games to win real money).
13. Pool Payday
Pool Payday is the top pool game app where you can play 1-on-1 pool games and win real cash prizes.
This is a free game app where you can win real money taking pool shots and winning points.
The app is available on iOS devices through the App Store, and you can withdraw your winnings via PayPal cash or Apple Pay.
Note: You can join cash tournaments in most places around the world. However, if you live in AZ, AR, CT, DE, IL, IN, LA, ME, MT, SC, SD, or TN, cash tournaments are not available. But, you can still play for free if you live in these states.
14. Bubble Cash
If you like bubble shooter games, then this is the best bubble shooter game app.
Bubble Cash lets you play against other players in real-time bubble shooter games, with the chance to win cash prizes. Bubble Cash is a bubble shooter game where the more bubbles you pop, the higher your chances of winning.
I know people who spend hours playing these types of games, so this can be a fun way to get rewarded to play a favorite game.
Here’s how to play:
Match three bubbles of the same color to pop and clear the board.
Tap the screen to aim the laser, then lift your finger to shoot the ball.
You can download the app on iOS and Android devices.
15. Solitaire Cash
Solitaire Cash is a card game app where you can play solitaire games for real money.
Once you download the game for free, you can play regular or cash tournaments and have a chance to win real money.
You’ll play against players of similar skill levels, and everyone gets the same deck. So, the game is fair and based on your skills.
The app is available on iOS and Android devices.
16. Rewarded Play
Rewarded Play is an app that pays you for playing games on your phone. If you want to play a variety of games, then this is the app for you.
You can play games such as Scrabble, Yahtzee, Bingo Blitz, Wheel of Fortune, and more.
The way the app works is that they introduce you to new games. Then, the more time you spend playing their games, the more points you can earn. Your points can be redeemed for gift cards to places such as Amazon, Walmart, Target, Nordstrom, and more.
17. Dominoes Gold
Dominoes Gold is one of the best dominoes game apps where you can put your domino skills to the test and win cash prizes.
You play by challenging your opponent in the same games against the computer and see who can win with more points.
The app is available for iOS devices, and you can cash out your winnings via PayPal.
AppStation is an app that pays you for playing new games on your phone. You can earn coins by trying different games and then redeem them for PayPal cash or gift cards. Games include Fishdom and Match Royal.
Note: Only available for Android users.
Jackpocket is an app that lets you play lottery games and potentially win real cash prizes. You can buy lottery tickets through the app and even be notified if you win. This can be an easy way to play your local lottery games right from your phone.
You can have Powerball, Mega Millions, Cash4Life, and other lottery tickets from NY, NJ, and NH sent directly to your phone.
Just pick your game and numbers (or use Quick Pick), and the app will safely get your ticket from a licensed lottery seller.
If you win less than $600, the money goes directly to your Jackpocket account. For big wins, they make sure to safely deliver you your ticket so that you can redeem your winnings yourself.
20. Cookie Cash
Cookie Cash is a Match 3 puzzle skill game from Papaya Gaming that is for the iPad and iPhone.
With Cookie Cash, you can play as much as you want for free. Then, once you’re ready, you can compete against other players for prizes and real money, such as PayPal cash and Apple Pay.
Note: Cash tournaments are not available in the states of AZ, IA, LA, and SC.
21. Money Well
Money Well has many arcade-style games that you can play to win real money, and this is a very popular game app with over 10,000,000 downloads and an average rating of 4.3 stars out of 5 stars (with over 528,000 reviews!).
You can simply play the games, collect coins, and cash out your earnings for PayPal cash and gift cards to places such as Grubhub and Apple.
22. Bingo Clash
Bingo Clash is a bingo game app from AviaGames with high ratings, and they give real money payouts through PayPal, Apple Pay, Visa, Mastercard, American Express, and Venmo. You can play this game for free and enjoy the competitive nature of real-time bingo.
You’ll play against real players who have similar skills and compete in classic, fun, and fair cash games based on your skills. You can also take part in tournaments with different match styles, and the higher you place, the bigger your prize.
Note: Cash games are not available in the following states of AZ, AR, CT, DE, LA, MT, SC, SD, TN, and VT. But, if you live in one of these states you can still play the game for free.
23. Spades Blitz
Spades Blitz is a card game app where you can win cash earnings by playing and mastering the popular card game of spades.
With Spades Blitz, you compete against real people from around the world in tournaments, where you pay an entry fee to take part.
You can get paid via PayPal cash or check.
Note: The app is available on the App Store and the Galaxy Store. Currently, Spades Blitz is only available for iPhones and Samsung devices.
More Ways To Get Paid To Play Games
There are more ways to get paid to play, other than the game apps listed above. If you like to play games and want to make money, some other ideas to look into include:
Become a Twitch streamer
Twitch is a site where you can make money playing video games, talking, and more.
If you like playing video games, live streaming yourself playing can be a way to make money doing what you love. As you gain followers and subscribers on Twitch, you can earn income through ads shown on your stream, donations from viewers, and monthly subscription fees.
Most Twitch streamers don’t earn a full-time income, but there are some who make well over $100,000 annually. In fact, a few even bring in millions of dollars each year.
To see success on Twitch, I recommend finding ways to keep your audience interested, playing the games that you actually enjoy, and sticking to a regular streaming schedule (because your followers will want to see you consistently!).
You can learn more at How Much Do Twitch Streamers Make?
Play in game tournaments
Playing in gaming tournaments can be a way to make money if you’re really good at a certain game.
Many popular competitive games like Fortnite, League of Legends, and Call of Duty host large-scale tournaments with large prize money.
You’ll need to practice a lot, though, as there are many good players in all games – and you want to be the best in order to actually make some money.
Start a gaming blog
If you love games, then you may be interested in starting a gaming blog.
Starting a gaming blog gives you a platform to share what you know about games, your thoughts on games, and your experiences with other gamers. You can make money from your blog through ways such as affiliate marketing, sponsored content, display ads, or even by selling merchandise.
You can learn more about how to start a blog here.
Become a game creator
If you love gaming and have an interest in design or programming, think about making your own games. Independent game creators can build games for different platforms like PCs, consoles, or even phones.
While a college degree isn’t always required, it can be very helpful. You may want to get a degree in fields like game design, computer science, or graphic design, and also look for courses specific to game design.
First, try finding internships, co-op programs, or beginner-level jobs at companies that make video games. This will give you important experience in the field and let you learn from people who have been doing this for a while.
Sell game merchandise
If there’s a popular game out there, then you may be able to sell merchandise to earn some extra cash.
Some examples of merchandise include T-shirts, posters, or accessories based on popular games.
Of course, you will want to make sure that you can legally do this, as you don’t want to get in trouble for pretending to be a certain game app or anything like that.
My Tips For Playing Game Apps That Pay Real Money
Below are my tips for getting paid to play game apps from your phone.
Be smart about how much time you are spending.
When playing game apps, it can be really, really easy to let time get away from you and play too much (especially if you are a winner!). After all, you are probably having fun and it’s something that you can easily do from your phone.
But, you don’t want to forget about everything else in your life.
You don’t want your game app playing to turn into an obsession (such as with arcade games or trivia games) or into a gambling addiction (as many of the above are similar to casino games).
So, I recommend being careful with any games that require you to pay money (such as to join tournaments) and know your limit. You may want to set a timer for playing and a budget.
You may have to pay taxes.
If you’re winning money from these game apps, then you will need to pay taxes. This means that you will want to save money from any of your winnings for taxes so that you are not surprised at the end of the year with a huge tax bill.
Read real reviews and experience with game apps that pay money.
When you’re trying out different game apps where you win real money, it’s important to read real reviews and experiences. This helps you make a smart choice as reading honest thoughts from other players can give you a clear picture of the app’s pros and cons, how they pay out, how easy they are to play, and if people actually enjoy them.
Some things in game app reviews to look out for include:
If the customer service support is helpful (do they actually answer emails if you have an issue?)
If payments are actually being made and if they are on time (if many people are leaving reviews saying that they are not getting their payments, then you may want to do more research before you start playing games on that specific app)
If the game is fun (of course, this is just an opinion and everyone is different, though)
Keep in mind, while winning real money in gaming apps can be exciting, it’s important to remember that it’s not a full-time job with a full-time income. Always focus on having fun first.
Frequently Asked Questions About Playing Game Apps To Win Money
Below are answers to common questions about playing game apps to win real money.
Which games are best for earning real money? What are some popular real cash games?
There are many game apps that can help you earn real money and some of the top game apps are KashKick, Bingo Cash, Blackout Bingo, Solitaire Cash, and Mistplay. You may want to test a few and see which one is a game that you actually like.
How can I find legit cash games?
To find real cash games that you can trust, you should look for ones that are popular and have good reviews by looking at the Apple Store or Google Play Store to read user ratings and reviews. This can give you a good sense of the game’s legitimacy and whether or not they actually pay out the rewards you earn.
Do any game apps offer instant payouts?
Even if some game apps claim to have instant payouts, the actual time it takes can still vary. Usually, it might range from a few minutes to a couple of days for your rewards to show up in your account.
Are there money-making game apps for iPhones?
Yes, there are several money-making game apps available for iPhone users. Some of the popular ones include Solitaire Cube, 21 Blitz, and Blackout Bingo.
Can I earn money directly to my bank account with game apps?
Certain game apps let you transfer your earnings directly to your bank through direct deposits, while others pay through PayPal, Apple Pay, Amazon gift cards, or other cash rewards.
Game Apps To Win Money – Summary
I hope you enjoyed this article on how to play game apps to win money. As you can see, you have many options!
To sum it up, there are game apps that give real money rewards, and they can be a fun way to spend your time. But remember, they shouldn’t be your main source of income. Think of them as a fun way to make a bit of extra money.
Do you play any game apps to win money? Which one is your favorite?
The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.
Bankruptcy is a legal process that individuals and businesses can undertake to eliminate their debts under the oversight of a bankruptcy court.
Bankruptcy is a legal process that individuals and businesses can undertake to eliminate all or part of their debts under the oversight of a bankruptcy court. For individuals who have amassed debt beyond what they can reasonably pay, bankruptcy is a potential path toward a clean slate.
There are different types of bankruptcy, important terms to know and significant consequences to watch out for. If you’re wondering, “What is bankruptcy?” or you’re considering it for yourself, read on to get an overview, or you can use the links below to jump to a specific question.
How does bankruptcy work?
Bankruptcy is a complicated legal process that involves several steps:
A debtor files a legal petition for bankruptcy in federal bankruptcy court.
The court appoints a trustee to oversee the case.
The trustee examines the debtor’s assets and liabilities and determines if they have any assets which can be administered by the trustee.
While it’s technically possible to file for bankruptcy on your own, working with a qualified attorney is recommended, as the amount of legal knowledge required is beyond what the average person possesses.
During the creditor’s meeting the trustee will examine the debtor and the case and file a report. What happens next depends on whether you filed for Chapter 7 or Chapter 13. In both cases, your debt can be discharged, but the process for achieving that end varies.
What are the different types of bankruptcy?
For individuals, the two most common forms of bankruptcy are Chapter 7 and Chapter 13. Businesses and local governments can also file for bankruptcy, but we won’t cover those types of bankruptcy in detail in this article.
Chapter 7 bankruptcy is the most straightforward approach to filing for bankruptcy. Chapter 7 bankruptcy, also called liquidation bankruptcy or fresh start bankruptcy, sometimes involves the sale of assets to pay off debt. In most cases a debtor’s assets are exempt and no assets need be sold. This is best for debtors who have no way to repay their debt.
When a debtor files for Chapter 7 bankruptcy, the following process takes place:
The debtor provides the trustee with tax returns and other financial documents relevant to the case, plus a list of all their assets.
The trustee evaluates the assets to determine which assets, if any, are nonexempt.
The trustee sells all nonexempt assets to pay off creditors. Debtors can keep exempt property, which varies by state law. For example, in New York, a debtor can keep their car if they own it outright and it is worth $4,000 or less.
The debtor meets with their trustee and creditors at a Meeting of Creditors, also called a 341 Hearing, to verify the information they’ve filed in their bankruptcy petition is accurate.
The trustee might pay some of the debt using the proceeds from liquidating the debtor’s nonexempt assets. However, this is rare.
Any remaining debt is discharged. However, Chapter 7 does not eliminate all debt—debtors are still responsible for paying court-order alimony and child support, student loans and certain taxes.
The Chapter 7 process typically takes about four to five months from filing to final discharge of debt.
While Chapter 7 bankruptcy has powerful effects on debt, it also has consequences. The negative item from bankruptcy can remain on a credit report for 10 years.
A debtor can only file for this kind of bankruptcy once every eight years. For that reason, a condition of bankruptcy is always credit counseling and personal finance courses, which are aimed at supporting people to prevent them from ending up in the same financial situation again.
Chapter 13 bankruptcy still leads to debt elimination, but it involves a debt payment plan. In Chapter 13 bankruptcy, debtors keep their property and pay debts over an agreed-upon period, usually three to five years. To qualify, a debtor must prove they have regular income. During the payment period, creditors are legally prohibited from collection efforts against the debtor. This type of bankruptcy is best for debtors who have steady income but still can’t afford to pay their debts in full.
If a debtor files a petition for Chapter 13 bankruptcy, the following will occur:
The court reviews the repayment plan. Typically, repayment plans last three to five years and may repay some or all of the debt owed. The debtor prepares and files the plan and creditors have a chance to comment on it, the trustee comments on it and the court makes a final determination as to whether to approve the plan.
A court-appointed trustee collects your payments. Over the course of repayment, a trustee will collect funds and disburse them to creditors.
After repayment, the bankruptcy is discharged. After the specified repayment period, the debtor becomes eligible for a discharge. If the debtor has complied with the trustee’s requests, has paid all required payments and takes a financial management course, then the remaining balance on debt (if any) is forgiven.
The entire Chapter 13 bankruptcy process can take up to five years from the filing date to the end of repayment.
While Chapter 13 bankruptcy also has detrimental consequences for credit and general financial health, it tends to be less detrimental than Chapter 7 bankruptcy.
Additionally, Chapter 13 bankruptcy remains on a credit report for just seven years, and the process can be repeated more often if necessary. Having debt discharged or reorganized can be a vital financial tool.
Other types of bankruptcy
While individuals file Chapter 7 and Chapter 13 depending on their circumstances, there are other types of bankruptcy that farmers and fishermen, businesses and city governments can use in difficult financial situations.
Here’s a quick overview of other forms of bankruptcy:
Chapter 9 focuses on local governments and school districts that need to restructure debt in the wake of financial troubles. Similarly to Chapter 13, Chapter 9 utilizes a debt repayment plan.
Chapter 11 enables businesses to create a debt repayment plan in conjunction with a revised business plan that is aimed at increasing profitability.
Chapter 12 is a narrowly focused form of bankruptcy that is exclusive to family farmers and fishers hoping to avoid liquidation.
Chapter 15 is an international provision that helps mediate bankruptcy proceedings that involve the United States and at least one other country.
While all of these forms of bankruptcy are useful, only Chapter 7, Chapter 11 and Chapter 13 typically directly affect individuals in financial distress.
What does it mean when bankruptcy is discharged?
A bankruptcy discharge means a debtor is no longer personally responsible for certain debts. Regardless of the remaining balance of a previous debt, once a bankruptcy discharge is entered, creditors can no longer collect on the debt.
With Chapter 7 bankruptcy, discharge usually occurs after the creditor’s meeting. There is typically a 60-day window after the meeting of creditors for creditors to file complaints, after which the discharge may take effect.
With Chapter 13 bankruptcy, discharge typically takes place after the repayment plan is completed.
However, not all debts are eligible for bankruptcy discharge. Depending on the type of bankruptcy filed, the following debts may not be discharged:
Some federal, state and local taxes (depending on the age of the debt)
Debts for willful and malicious injury to a person or property
Debts for death or personal injury caused by the debtor driving while under the influence of alcohol or drugs
Any debt not listed in the bankruptcy filing
In general, a discharged bankruptcy is permanent, meaning creditors no longer have any claim to previous debt. In some cases, however, a bankruptcy discharge could be revoked if the party proves to the court that the initial petition was made fraudulently. The time period for taking an action in this way is limited to one year after discharge.
What is the benefit of filing for bankruptcy?
There are advantages to filing for bankruptcy for individuals who can no longer deal with overwhelming debt.
Some of the most important benefits of bankruptcy include:
The elimination of many types of debt
A fresh start with finances
An end to calls and letters from collection agencies
Relief from wage garnishment, foreclosure or repossession
Protection of certain kinds of property
Bankruptcy courts exist for a reason, and bankruptcy serves an important financial function for many individuals whose debts significantly exceed their ability to repay. For those who have no other good options, bankruptcy provides important benefits and the chance for relief and a second chance at financial security.
How does bankruptcy affect your credit score?
Bankruptcy has a serious detrimental effect on your credit, though it is possible to rebuild credit after bankruptcy.
The negative item from bankruptcy will remain on your report for seven to ten years, depending on the type of bankruptcy. Any time you apply for credit, that negative item will be visible to creditors, who will factor it in when deciding whether to approve your application.
For those looking to rebuild credit after bankruptcy, a secured credit card is often the best starting point. A secured credit card is backed by a deposit, so creditors are usually willing to provide it even to those who have a bankruptcy on their record. Responsibly using the card and making payments on time can slowly lead to improved credit in the future.
Additionally, many people who have gone through bankruptcy choose to work with a credit repair company, which may be able to support the process of rebuilding credit.
What is bankruptcy fraud?
Bankruptcy fraud occurs when an individual withholds information about debts or assets from the federal bankruptcy court. In both Chapter 7 and Chapter 13 bankruptcy, information about your finances determines how your debt is handled, so providing false or misleading information could lead to a revocation of your bankruptcy discharge or criminal charges.
Here are some examples of bankruptcy fraud:
Hiding assets. During bankruptcy, you are forced to disclose all of your assets, which may be sold in order to pay creditors. Withholding information about your assets to try to protect them is not allowed.
Running up debt prior to discharge. If you use credit to purchase property or items with no intention of repayment simply because you believe the debt will be discharged, you are likely committing bankruptcy fraud.
Falsifying documents. Providing false information about property transfers, debts, assets or any other necessary information is forbidden during bankruptcy proceedings.
The consequences of bankruptcy fraud can be serious, especially if a party proves to the court that your efforts were intended to deceive creditors and prevent them from receiving their just payment. You could be denied a bankruptcy discharge. Fines and even prison time are possible outcomes for bankruptcy fraud, so it’s important to be truthful throughout the entire process.
Bankruptcy terms you should know
A bankruptcy score is used by financial institutions to predict the likelihood that an individual will file for bankruptcy within a certain period of time. Similar to credit scores, bankruptcy scores are calculated using a wide variety of factors. Unlike credit scores, however, bankruptcy scores are not available to consumers, so you can’t know your own score or make efforts to improve it directly.
Still, regardless of your bankruptcy score, the same financial habits that support a strong credit score are also likely to help prevent you from needing to file for bankruptcy:
Create and maintain a budget. Spending within your means and prioritizing essential expenses is an excellent way to maintain financial health.
Make full and on-time debt payments. Make timely payments for loans and credit cards, and avoid keeping a credit card balance from month to month.
Avoid unnecessary lines of credit. While credit is a valuable tool, it’s important to avoid opening too many lines of credit and letting debt become overwhelming.
Bankruptcy scores are important tools for financial institutions making lending decisions, but they are largely unimportant to consumers. As long as you are making wise financial decisions over time, creditors will continue to recognize your efforts and your risk of bankruptcy will remain low.
Bankruptcy terms you should know
As you navigate bankruptcy, you’ll come across a variety of terms that may be unfamiliar. Understanding all of these terms makes navigating the process of bankruptcy much easier, and fortunately, none of them are difficult to understand.
Here’s a list of terms that you should know if you’re trying to understand bankruptcy better.
Assets and liabilities: An asset is anything you own, whereas a liability is anything you owe.
Chapter: A chapter is simply the specific type of bankruptcy being declared under Title 11 of the United States Federal Bankruptcy Code.
Discharge: A discharge means the associated dischargeable debts no longer need to be paid.
Lien: A lien is a claim against a piece of property from a creditor who is owed a debt, such as a mortgage lender or a car creditor.
Liquidation: Liquidation is the process of selling assets, usually to pay debts—for instance after filing Chapter 7.
Means test: The means test is used to determine who is eligible to file for Chapter 7 by accounting for income and debt.
Repayment plan: An approved repayment plan is a court-authorized plan to give creditors back some or all of what they are owed. At the completion of a repayment plan under Chapter 13, remaining dischargeable debt is typically forgiven.
Secured and unsecured debt: A secured debt has some sort of valuable property as collateral—for instance, an auto loan is secured by the car itself. An unsecured debt has no associated collateral—for instance, a credit card is unsecured.
Trustee: Appointed by the court, the trustee is responsible for reviewing the debtor’s financial situation and documentation relation thereto, conducting the meeting of creditors and collecting and liquidating non-exempt assets or ensuring payments are made according to the repayment plan.
Armed with knowledge of these terms, you’ll have a much greater understanding of bankruptcy moving forward.
What does it cost to file for bankruptcy?
The cost to file bankruptcy can be broken down into two parts: court fees and attorney fees. According to the U.S. Court, you’ll pay a $78 administrative fee and a $15 trustee fee to file for Chapter 7 or Chapter 13 bankruptcy, plus any additional relevant fees. The total filing cost is generally under $500.
If a debtor cannot pay the fees associated with filing for bankruptcy, the court may break the fee payment into up to four installments or waive them altogether. Debtors who wish to have the fee waived must submit Form 103B. Bankruptcy filing fees are not typically waived, even for the most destitute.
That said, most people will also require an attorney for bankruptcy proceedings, and fees can vary significantly. According to All Law, fees for Chapter 7 typically range from $1,000 to $3,500, whereas fees for Chapter 13 are a bit higher, ranging from $2,500 to $6,000. Depending on your location, fees may be lower or higher, so you’ll want to consult a local lawyer to determine a more accurate cost before proceeding.
Should you declare bankruptcy?
Deciding whether or not to declare bankruptcy can be difficult, so make sure you think about all of the alternatives first. People often consider bankruptcy due to unexpected or overwhelming debt—like a medical bill that has ballooned through interest or a handful of loans that have become unmanageable.
There may be ways to deal with these debts before resorting to bankruptcy. For example:
Negotiate with your creditors. Ultimately, creditors are looking for you to repay your debt. By contacting your creditors, you may be able to work out a favorable payment plan or have some of your debt erased in order to make it more manageable.
Get a debt consolidation loan. A debt consolidation loan enables you to simplify and often reduce your debt payments by lowering your interest rate or extending your payment timeline.
Work with a credit counselor. A credit counselor may be able to help you evaluate your entire financial picture and create an action plan to make debt more approachable.
Still, even after these alternatives, there are some people for whom bankruptcy is the best available option. If you have no means to pay back your debts and you’ve exhausted other options, contact a bankruptcy attorney to determine your best next steps.
Overall, bankruptcy exists to protect individuals from long-term financial ruin. Though the credit consequences of bankruptcy are long-lasting, the benefits of freedom from debt are absolutely essential in some cases.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.
Vince R. Mayr
Supervising Attorney of Bankruptcies
Vince has considerable expertise in the field of bankruptcy law.
He has represented clients in more than 3,000 bankruptcy matters under chapters 7, 11, 12, and 13 of the U.S. Bankruptcy Code. Vince earned his Bachelor of Science Degree in Government from the University of Maryland. His Masters of Public Administration degree was earned from Golden Gate University School of Public Administration. His Juris Doctor was earned at Golden Gate University School of Law, San Francisco, California. Vince is licensed to practice law in Arizona, Nevada, and Colorado. He is located in the Phoenix office.
Veterans who are unable to work because of a service-related disability may qualify for Total Disability Based on Individual Unemployability (TDIU) benefits from the Department of Veterans Affairs. They receive the same benefits as veterans with a 100% disability rating (even if they don’t have that rating)
To qualify for TDIU, you must be unable to work and have a minimum level of service-related disability rating.
The Department of Veterans Affairs (VA) reviews claims and provides benefits for TDIU.
How much is TDIU?
In 2024, TDIU benefits range from $3,737.85 to $4,433.39
. Monthly compensation might be higher for eligible veterans with multiple children.
Veterans who qualify for TDIU are eligible for the same benefits as someone who has a 100% disability rating with VA disability benefits. The VA adjusts the rates based on the SSA’s annual cost-of-living adjustment
Receiving TDIU comes with enhanced eligibility status for VA health care benefits. That isn’t a guarantee that you’ll receive them, but the VA says you are more likely to be approved for them if you receive TDIU.
How to qualify for TDIU
To qualify for TDIU, a veteran must:
Have a service-related disability rating of 60% or higher, or two service-related disabilities: one with a rating off 40% or higher, and a combined disability rating of at least 70%
Be unable to work in a job that supports them consistently because of the service-related disability.
If you have one service-related disability, it must have a rating of at least 60%.
If you have two service-related disabilities, at least one must be rated 40% or higher — but together, they must have a combined rating of at least 70%.
The VA assigns the percentage ratings for disabilities.
You meet the unemployed requirement if you are unable to earn enough to support yourself, also known as substantial gainful activity (SGA). Generally, this means you are unable to work consistently and pay for necessities such as food and shelter.
The Social Security Administration (SSA) determines the monthly income limit to qualify for TDIU. The substantial gainful activity limit for 2023 is $1,470 per month ($2,460 if you’re blind). In 2024, the limit is $1,550 per month ($2,590 if blind).If you earn more than the monthly income limit, you are unlikely to qualify for TDIU.
You don’t have to be unemployable in every field to qualify for TDIU
. You can still qualify for TDIU if you have marginal employment, which is a job that provides earnings below the current poverty threshold for an individual. Marginal employment can also include work in a “protected environment,” such as family business where you receive accommodations that other jobs cannot provide. In that case, you might still qualify for TDIU even if you earn more than the annual poverty threshold.
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TDIU qualification examples
Here are several examples of how people might qualify or not qualify for TDIU.
Single disability approved for TDIU
Haley has a service-related disability that affects her shoulder and is rated at 70%. She is a truck driver and struggles to drive for long periods of time. She has had to take more time off recently because of her disability, and it has dropped her income to $1,245 a month.
Haley is approved for TDIU because:
Her single disability is rated above 60%.
Her disability keeps her from earning more than the SGA limit.
Single disability not approved for TDIU
Manuel has a service-related disability that is rated 90% and affects his digestive system. He is a teacher. His disability requires him to use the restroom every hour or so and keeps him from sitting through long meetings or participating in outdoor activities where a restroom isn’t nearby. He currently earns $3,400 a month.
Even though Manuel’s single disability is higher than 60%, the VA doesn’t approve him for TDIU because he is still able to earn more than the monthly income limit. An alternative is for him to speak with his employer about accommodations for certain situations.
Two disabilities approved for TDIU
Aisha has two service-related disabilities. One affects her neck and is rated 60%, and the other affects her grip strength and is rated 90%. Together they have a disability rating of 70%. She works as a contract architect for a construction company and is only paid for the projects she completes. Because she can only sit for so long and must take frequent breaks to rest her neck and hands, her income has dropped to $1,360 a month.
Aisha is approved for TDIU because:
Of her two service-related disabilities, one is rated at least 40%.
Her combined rating for her disabilities is at least 70%.
Her disabilities are affecting her ability to earn more than the monthly income limit.
Two disabilities not approved for TDIU
Deidra has two service-related disabilities. One affects their lung capacity and is rated at 70%, and the other affects their sinus cavity and is rated 30%. Together they have a disability rating of 50%. They work as wait staff at a cafe and depend on hourly wages plus tips to earn a living. Because they have limited lung capacity, they must go a little slower at work than their colleagues and take breaks if they get out of breath. They also have to limit how long they are in the kitchen because any smoke can bother their lungs and sinuses. Despite not cutting their hours, they are serving fewer tables and working more slowly than other wait staff because of their disabilities. This has affected their tips and dropped their income to $1,480 a month.
Even though Deidra’s income is below the monthly income limit, the VA doesn’t approve them for TDIU because their combined disability rating is below 70%. An alternative is for them to speak with their employer about accommodations for certain situations and apply for Social Security disability insurance (SSDI).
When determining TDIU benefits, the VA doesn’t consider the following information:
The applicant’s age
How non-service-related disabilities affect the applicant’s ability to keep substantial gainful employment.
Reasons (other than the applicant’s service-related disability) the applicant left a job.
TDIU vs. Social Security Disability Insurance (SSDI)
The main difference between TDIU and Social Security Disability Insurance (SSDI) is that TDIU is for disabled veterans who are unable to work in a job that supports them consistently, and SSDI is for disabled people who are not able to work at all. Although the two programs have the same goal, they have several differences.
Social Security Administration
Doesn’t require the beneficiary to contribute financially to the program.
Requires beneficiaries to have contributed financially to the program.
Considers only service-related disabilities that prevent someone from working.
Doesn’t restrict disabilities to those related to military service.
Doesn’t require someone to have a VA rating of 100%.
Requires someone to be completely disabled (the equivalent of a VA rating of 100%).
Only requires that an applicant be unable to work a job that meets the definition of substantial gainful employment.
Requires that an applicant be unable to work any type of job.
Veterans may qualify for both TDIU and SSDI, but the programs are from different federal agencies, which means you’ll have to apply to each program separately if you want to receive benefits for both
The SSA expedites veterans’ claims for SSDI benefits. You might need to self-identify as a veteran when you apply for SSDI and provide proof of VA-rated disability.
How to apply for TDIU
To receive TDIU benefits, you’ll apply for VA disability benefits and provide documentation such as medical records to show that you are unable to keep steady employment. You’ll also submit records of your work history and education so the VA understands what work you’ve done in the past and what you’re trained to do.
When filing a disability claim for TDIU, you’ll submit two forms that are unique to these types of benefits:
A Veteran’s Application for Increased Compensation Based on Unemployability (VA Form 21-8940).
A Request for Employment Information in Connection with Claim for Disability Benefits (VA Form 21-4192).
The first form requires information about your disability and medical treatment, employment history and education
. You’ll need to provide dates that you were in the hospital within the last 12 months, the dates you last worked full-time and became unable to work because of your disability, the highest annual income you earned during your career and the time lost at each job you’ve held during the past five years due to your service-related disability.
Your most recent employer will fill out and submit the second form
. They will send it directly to the VA after they’ve filled it out, so you only need to provide them with the form.
3 things to know about TDIU
The forms require a lot of information. Because TDIU requires two additional forms, you’ll have to provide a lot of information about your disability and work history. It might take you a while to collect all of this information, so be prepared to gather everything in advance.
Your most recent employer needs to submit a form. Your employer must fill out the Request for Employment Information in Connection with Claim for Disability Benefits — you can’t do it. The employer’s HR department should know how to handle the form. Once you’ve provided the form, ask for an estimate of when they’ll submit the form to the VA, and ask for an email confirming that they’ve submitted it.
You can also receive additional government assistance. Because VA benefits are separate from SSA benefits and those offered through individual states, such as Medicaid, you can also apply for other assistance programs. However, qualifying for TDIU does not guarantee that you are eligible for other benefit programs.
To the native Wintu people it was Bohem Puyuik, the “Big Rise,” and no wonder. Mt. Shasta towered above everything else, her loins delivering the natural springs and snowmelt that birthed a great river.
The Sacramento River provided such an abundance of food that the Wintu and many neighboring tribes — the Pit River, Yana, Nomlaki and others — had little to fight over. They thrived in pre-colonial times, on waters that ran silver with salmon, forests thick with game and oaks heavy with acorns.
But centuries of disease, virtual enslavement and murder wrought by European and American invaders scrambled the harmony that once reigned along the Upper Sacramento River.
Today, three tribes here are locked in a bloodless war. At issue is a proposal by one Indigenous group to expand and relocate its casino and whether the flashy new gambling hall, hotel and entertainment center would honor — or desecrate — the past.
The casino envisioned by the Redding Rancheria and its 422 members would rise nine stories on 232 acresalong Interstate 5. The rancheria — home to descendants from three historic tribes — began planning the development nearly two decades ago, envisioning a regional magnet for tourists and gamblers.
But the proposal has been buffeted by influential opponents, including the city of Redding, neighborhood groups and the billionaire next door — who happens to be the largest private landowner in America. The naysayers list a cavalcade of complaints against the new Win-River casino complex, saying it would despoil prime farmland, exacerbate traffic, increase police and fire protection costs and threaten native fish in the Sacramento River.
Those complaints have helped stall, but not kill, the project, whose fate rests almost solely in the hands of the Bureau of Indian Affairs in Washington, D.C. And now the BIA’s obscure bureaucrats have been confronted with an explosive new charge from two neighboring tribes: that construction of the casino would desecrate what the tribes say should be hallowed ground — the site of an 1846 rampage by the U.S. Cavalry that historians say probably killed hundreds of Native people.
The Sacramento River massacre has not received the attention of other atrocities of America’s westward expansion, such as the one in 1890 at Wounded Knee, S.D., where U.S. troops killed as many as 300 Lakota people. Estimates of the carnage, recorded over the decades from witness accounts and oral tradition, range from 150 to 1,000 men, women and children slaughtered along the banks of the Sacramento River.
If the higher estimates of the death toll are correct, it would rank as one of the largest single mass killings of Indigenous people in American history.
“In my heart, I find it hard to believe that there are Wintu people that are willing to build a casino on … the blood-soaked dirt of the massacre site,” Gary Rickard, chair of the Wintu Tribe of Northern California, told a state Assembly committee in August. “There are dozens of other places along the I-5 corridor and the Sacramento River.”
Redding Rancheria Chair Jack Potter Jr., himself part Wintu, called the claim that his tribe would build its casino on the massacre grounds “a slander that will not be easily forgotten.” He told state lawmakers that the real massacre site is miles away. Rancheria leaders said their opponents have manufactured the controversy for a less honorable reason: to block what would be a sparkling new competitor.
“Gaming in Indian country can be a tide that raises all of our canoes,” insisted Potter, who appeared at times to fight back tears as he spoke at the Sacramento hearing. “We should not battle against one another, in that spirit.”
A showcase for compelling storytelling from the Los Angeles Times.
Friendships that go back decades and tribal ties of a century or more have been imperiled by the casino furor. Native people normally aligned against a hostile or indifferent U.S. government — “We’re all the children of genocide,” as one elder put it — have watched sadly as their conflicts turn inward.
It’s a dynamic that has played out before. Robbed of their ancestral lands, tribes now sometimes fight when one tries to claim new territory, often as a base for a lucrative modern endeavor: gambling.
The friction is exacerbated by the peculiar history of the Redding Rancheria — and by opponents’ eleventh-hour invocation of the Sacramento River massacre, 19 years after the rancheria began to assemble parcels for the project.
The Redding Rancheria refers to a nearly 31-acre stretch of land near the south end of Redding that the federal government bought in 1922 for “homeless Indians” who came to the area as seasonal workers for ranches and orchards. The rancheria sits in a relatively obscure location compared with the interstate-adjacent site of the proposed casino, more than three miles by car to the northeast.
In 1939, the Wintu, Pit River, Yana and other Indigenous peoples formed a rancheria government. It was recognized by the United States. But in 1958, an act of Congress “terminated” recognition of multiple California groups, including the Redding Rancheria, in an attempt to force Indians to disperse into the general population. It took a landmark 1983 court settlement to formally restore recognition of 17 rancherias, including the one in Redding.
The result is that there are Redding Rancheria members with Wintu blood, like Potter, 52, who firmly support the casino, while other Wintu descendants who are not descended from the original rancheria families, like Rickard, 78, adamantly oppose it. Rickard grew up with Jack Potter Sr. and has known his son since he was a boy.
Cordiality prevails, at least outwardly, when Rickard and Potter meet today. But the bad blood between their groups has become fierce, exacerbated by the yawning wealth disparity between the rancheria and the Northern Wintu.
Rancheria members have thrived largely because of the success of their existing Win-River Resort & Casino, which operates 550 slot machines, a dozen table games, an 84-room hotel and an RV park.
The complex is the biggest income producer for the rancheria, which also owns a Hilton Garden Inn and a marijuana dispensary in Shasta County. Sources familiar with the tribe said each enrolled member receives a monthly “per capita” payment of at least $4,000 and perhaps as high as $6,000.
The rancheria’s chief executive, Pitt River descendant Tracy Edwards, 54, declined to discuss the amount of the payments.
That income, along with health clinics and other benefits, makes the Redding Rancheria members the envy of Indigenous groups with comparatively paltry assets. Rickard’s Northern Wintu claims roughly 560 certified members, but like many groups across America, the tribe has been laboring for years and still has not received formal recognition from the U.S. government. That means the tribe can’t put land into trust, a prerequisite to casino development and also a shield against federal, state and local taxes.
“We don’t have the resources in order to obtain the things we need,” said Shawna Garcia, the Northern Wintu’s cultural resources administrator. “We don’t have the revenue to assist our members with things like college, housing and other assistance.”
Historians and ethnographers say the Wintu were the predominant tribe around the site proposed for the casino complex, an expanse of meadow and scrubland that locals dub the Strawberry Fields because of its agricultural history. And Rickard questioned why the “pure-blood Wintu people” he represents have been left to struggle, while the rancheria — representing an amalgamation of tribal groups — stands poised to create an even bigger cash cow with its new casino.
Rancheria leaders like Edwards, a UC Davis-trained lawyer, have emphasized how the tribal group has supported Native and non-Native people, both as one of the largest employers in Shasta County and through its charitable foundation.
In just one year, 2018, the rancheria said it gave more than $1.2 million to community organizations, helping serve the homeless and victims of the Carr fire. During the early phase of the COVID-19 pandemic, the rancheria donated $5,000 each to 60 businesses struggling to stay afloat.
At a cost of $150 million, the rancheria’s new casino would feature 1,200 slot machines — more than double the number at its current casino — and with 250 rooms, the new casino hotel would be more than triple the size of the existing hotel. The tribal group has pledged to close its current Win-River casino when the new one opens.
The rancheria’s outsized community presence has created substantial goodwill around Redding, but a portion of residents have stepped forward — via petitions and ballot measures — to express disdain for large developments they feel could harm the rural character of their community.
Among the more powerful opponents is Archie Aldis “Red” Emmerson, president of logging giant Sierra Pacific Industries, whose sprawling estate looms along the Sacramento River, just south of the casino site.
In 2020, an Emmerson-allied company purchased property from the city of Redding that included a portion of a road that would be the north entry to the casino site and created an easement that would have barred access to the rancheria land for all but agricultural purposes. The easement effectively would have thwarted the casino by blocking vehicle access to the development.
But in 2022, a Shasta County Superior Court judge voided the deal, saying that in selling the land (for just $3,000 to the billionaire) the city had violated its “own processes, procedures and the relevant law.” The ruling nullified the easement, preserving the rancheria’s unrestricted access to the property.
The Redding City Council and neighboring homeowners have maintained their opposition to the project for years, while a new conservative majority on the Shasta County Board of Supervisors recently reversed the county’s earlier objections. The supervisors supported the casino, despite admonitions from the sheriff, fire chief and county counsel that the agreement with the rancheria did not provide sufficient compensation to cover the increased costs of serving the big development.
The rancheria agreed to make one-time payments totaling $3.6 million to support Shasta County, the Sheriff’s Department and fire and emergency services. That initial infusion would be supplemented by recurring payments: $1,000 for each police service call and $10,000 for each fire/emergency service call.
No issue has unsettled intra-tribal relations, though, like the debate flowing out of the terrible events along the Sacramento River 177 years ago.
Oral histories of the Wintu and neighboring tribes recall how Native families and elders had gathered along the river known as the Big Water each year in early April for the spring salmon run. Traditionally, the season signaled rebirth.
But Capt. John C. Fremont had other ideas.
Fremont diverted his men from their ordered assignment: completing land surveys in the Rocky Mountains. The Americans instead went adventuring to California, where, in the spring of 1846, they responded to sketchy claims from settlers that they were endangered.
About 70 buckskin-clad white men set upon the Native people, the locals far outgunned by the invaders, each toting a Hawken rifle, two pistols and a butcher knife, according to UCLA historian Benjamin Madley‘s detailed account of the massacre.
The horsemen completed their grisly work with such evident pride that legendary frontiersman Kit Carson later bragged that the coordinated assault had been “a perfect butchery.”
The massacre marked the beginning of “a transitional period between the Hispanic tradition of assimilating and exploiting Indigenous peoples and the Anglo-American pattern of killing or removing them,” according to Madley’s “An American Genocide: The United States and the California Indian Catastrophe.”
Fremont (later a U.S. senator from California and a Republican presidential candidate) would say that his party attacked the natives because of reports of an “imminent attack” upon settlers. But the “battle” was one-sided, with the federal troops suffering no known casualties. Afterward, according to Madley’s account, Fremont’s men feasted on the Native people’s larder of fresh salmon.
In the nearly two centuries since, the tragedy would be more forgotten than remembered. There is no historical marker around Redding noting the event.
The Wintu people believed to have been the principal victims have preserved memories of the mass killing in their oral history. But no ceremony marks the atrocity. And at the Wintu cultural resource center in Shasta Lake City, a wall-size timeline of the group’s history makes no mention of the 1846 bloodshed.
There’s also the now-pressing question — pushed to the fore by the casino feud — about precisely where the massacre occurred. The Northern Wintu and another outspoken opponent, the Paskenta Band of Nomlaki Indians, insist that the Strawberry Fields property was a key location in the atrocity.
The Paskenta commissioned a study by a retired anthropologist from Cal State Sacramento that drew on research from the late 1800s by a linguist from the Smithsonian Institution who, in turn, got much of his information from a Wintu elder who survived the massacre. The report, by Dorothea Theodoratus and a colleague, said that the “center” of the massacre was “opposite the mouth of Clear Creek” in the Sacramento River, a point roughly two miles south of the proposed casino location.
But other accounts from participants and witnesses said Fremont’s soldiers chased down victims after the initial assault, leaving the exact range of the bloodshed unknown. The Theodoratus report says that six villages, including two on the proposed casino property, were so thoroughly intermingled that all “would have had some direct involvement with that massacre.”
Andrew Alejandre, chair of the Paskenta Band, told the Assembly Governmental Organization Committee in August that his tribe is seeking to have the state and federal governments designate the Strawberry Fields a sacred site, off-limits to development. Alejandre, 35, said his tribe vehemently opposes building a casino “on top of men, women, children and elders. The spirit of these ancestors … Let them rest!”
In rebuttal, Potter and rancheria CEO Edwards note that during the many years that they and others have pursued developments in the region, the rival tribes never mentioned the massacre. Divisive fights over a proposed auto mall and a sports complex (both scrapped) came and went without any discussion about desecration of a mass grave site.
“I would never disrespect the remains of my ancestors,” Potter said.
Fifty miles south of Redding in rural Corning, the 288-member Paskenta Band opened the Rolling Hills Casino and Resort two decades ago. The luxe gaming hall is just one part of an economic surge by the tribe, which has also opened an equestrian complex, an 18–hole golf course, a 1,400-acre gun and hunting center and a 3,000-person amphitheater, where Snoop Dogg performed in May.
Potter charged that the fight over the historic massacre is really a ploy by the flourishing Paskenta to squelch the Redding Rancheria’s hopes for a shimmering destination casino “because of the mistaken belief that it … will cut into the profits of their gaming facilities.”
Paskenta’s Alejandre, a designer who once ran a clothing company, denied that is the case.
While representatives for the Paskenta and Northern Wintu tribes bashed the casino proposal at the August hearing, representatives of at least eightother California tribes argued in support of the Redding Rancheria. One said the Redding group had proved itself a good steward of cultural resources.
Another speaker at the hearing was Miranda Edwards, the 28-year-old daughter of the rancheria CEO. The Stanford-educated Edwards and her mother spoke about the importance of moving the tribal group forward for the “Seventh Generation,” future descendants whose livelihoods must be planned for today.
“We work hard every day to provide for this rural community and make it the best that we can for everyone that lives there,” Miranda Edwards told legislators. “It’s disheartening to hear from those that choose not to see that. But it will not stop our work.”
Potter, the rancheria’s chairman, had a sardonic take on the dispute.
“We always talk about crabs in a pot,” Potter said. “We are like all these crabs, stuck in a pot. When one tries to get out of the pot, all the others reach up and pull him back in.”
Will arguments about the Sacramento River massacre sway the final outcome of the Redding Rancheria’s casino quest? A BIA spokesman said only that “these issues are under review.” Nearly two centuries after representatives of the U.S. military decimated a civilization here, the federal government still retains ultimate authority over the fate of Native people.
Watch L.A. Times Today at 7 p.m. on Spectrum News 1 on Channel 1 or live stream on the Spectrum News App. Palos Verdes Peninsula and Orange County viewers can watch on Cox Systems on channel 99.
Most of us have experienced getting fired from our jobs at some point in our lives. Some were for petty and weird reasons, others were valid—whichever it is, here are the 18 reasons people get fired!
Caution! Some were so crazy and hilarious that you won’t believe they really happened.
1. Exchanging Alcohol for Shrimp
One person shared, “I gave the fry guy an alcoholic beverage from the bar in a kids cup. He used to hook me up with coconut shrimp and fiesta rolls. They fired both of us lol. I wonder how Jamaar is doing nowadays.”
The second person replied, “I drank alcohol from a kid’s cup and got fired. I just wanted to try Angry Orchard. It wasn’t even good. I made the mistake of leaving the cup amongst other employee cups and a manager found it. I don’t even like drinking and it was just extra. But I am glad I am not the only person let go for drinking alcohol from a kid’s cup out there! Lol.”
2. Manager Scheduled Me During Class
Somebody commented, “My manager kept losing my class schedule. Worked at a subway. I had class two days a week. Several times he put me on those days anyway. I gave him multiple copies every time. Owner took me off the schedule for ‘Calling out too much’. When I showed the owner proof he said it was too late and they already hired someone else. This was 12 years ago. I’m still mad.”
Another Redditor replied, “I always hated the ‘taken off the schedule’ bull. Just fire me officially instead of taking the cowards route. This happened to me as well when I did not tell the general manager about a floor manager switching a product display TV to football one day. To be clear, she asked me, ‘Why did you not tell me?’ So she already knew it happened and was mad that I did not say anything. So I got ‘taken off the schedule’ because the other manager did something against policy and I did not narc.”
3. They Fired Me Before I Started
“A business I went to long ago was hiring, and I got the job. Right after I signed all the paperwork, the department manager comes in and asked who I am. I tell him I was just hired as a temp. Manager says he never authorized any hiring and fired both me and my boss on the spot. I did not work for this company at all, and they fired me,” said one.
The second person replied, “I had a similar experience. I was interviewing for a sales position and I made it all the way up the ladder through three different managers, to the advertising director. Had a great interview. He told me I would be the future of this industry shook my hand, led me to the HR manager’s office, clapped me on the back, and said to her, ‘We’re hiring him. Start the paperwork and I’ll see you Monday.’
“She was pregnant, tired, and annoyed. She looked at me with disgust and said, ‘We eliminated that position yesterday. We’re not hiring anyone.’ I asked if the director or managers knew that. She said they should. What followed was an embarrassing two weeks of promises that they would make a spot for me and weak apologies from the hiring managers. Ooof. Hired and fired within seconds.”
Finally, the third added, “They did you a favor. Working for a company that is broken and dysfunctional would be a nightmare.”
4. I Requested a Raise
One user commented, “I was denied a raise by HR after consistently working 60-70 hours weeks, and my VP (who had supported and requested the raise for me) told me to stop putting in the extra time, work my 40, and spend that extra time applying to new jobs. Within a month, a meeting was called to ‘mutually part ways’ because my work wasn’t getting done. I was gratified to learn that they had to hire two people to do my job after I left.”
Somebody else added, “Bet that felt good knowing they had to pay two people for what you did all by yourself. Glad you got outta there though!”
5. Fired for Putting in My Two-Week Notice
Somebody shared, “I got fired once for putting in my 2-week notice. The only other time I’ve gotten fired was working for a trade company during the first week. I was a supervisor, and there was a second supervisor on site. I got a call that my wife had been rushed to the hospital, which was literally less than a mile away. I asked the other supervisor if I could go to attend to her, and he said, ‘Sure, no problem, I’ve got things here. Go.’
“I returned to the job site later to find the boss there, and he let me go on the spot for leaving the team ‘Without a supervisor’. He knew what had happened, and still fired me. I won’t lie, that one kind of [made me mad].”
Then somebody else added with a similar experience with their wife, “Happened to my wife. She was due her first commission check, but they fired her on the spot when she gave notice. Literally about 100 bucks too.”
6. Fired for Sitting Down
One user said, “For doing my job too quickly and sitting down the rest of the time. Gas station cashier 3rd shift.
“Me: ‘Why should I stand when I’m the only person in the store?’
“Manager: ‘It’s more professional to stand than sit.’
“Me: ‘Then why do you sit in your office?’”
Another one replied, “I never understood that. Not once have I walked into an establishment, seen an employee sitting, and gone, ‘Wow. He’s unprofessional.’ I literally don’t give a f-, as long as you do your job.”
“Especially gas stations. If anything, they’re the kind of jobs I would expect to see someone sitting,” added another.
7. “I’m Only Here Until Something Better Comes Along…”
Somebody shared their hilarious job-related experience during the interview, “This isn’t why I got fired, but this is why I didn’t get a job. I was 16 and looking to work at a Dairy Queen as my first job. My mom drove me to the interview and I was super nervous.
“She looked me in the eye and said, ‘Just be honest and be yourself, and you’ll do fine.’ I walked into that interview, and when he asked me, ‘How long do you think you’ll work here?’ I responded, ‘Until something better comes along…’”
“OMG. My parents had to coach me on how to get a job when I started hunting. They were wondering why none of the jobs I had applied to had called me back so they started asking questions about the application process. Turns out you shouldn’t be honest on those personality assessments, at least not to the extent I was. They basically told me to answer as if I were another person,” added the second person with a similar experience.
Then somebody else added, “Amazing! Around the same age I was asked, ‘How would your friends describe you?’ and honestly answered. ‘They say I’m the crazy one.’ Weirdly did not get that job.”
8. They Handed Me a Check and Walked Me Outside
“I talked my way into a job at a software company when they put a hiring notice in a local paper. I had no idea what the software did. I still don’t. They hired me as a trainer and no one ever explained what the product was. I did a few weeks where I was trained on the software but literally none of it ever made sense to me. It was like they were speaking gibberish.
“One day I showed up, a lady I had never seen before gave me a check, and walked me out to the parking lot. No one even ever said ‘you’re fired’ or anything. It’s one of the strangest things that ever happened to me,” shared somebody.
“That reminds me of a time that I got escorted out early from a group interview. The company was a little suspicious altogether, and the interviewer was even more sus because he was just wearing all black (polo and jeans) and was absolutely decked out in gold jewelry. Looked like he stepped out of a mob movie or something,” the second person replied.
9. Because My Wife Was Ill
One user said, “I missed a lot of work because my wife got brain cancer. They called me in for a meeting and said, ‘Sorry, we are downsizing and letting a lot of people go’. They didn’t fire anyone else, including a co-worker who was caught fabricating reports.”
Then another one added with a question: “They didn’t announce the layoffs over the intercom in alphabetical order, did they?”
10. Job Abandonment; But I Was at the ER
Somebody stated, “I went to the emergency room instead of work. Came back with an ER note and they said, ‘We won’t be needing that. Can you come with us?’ I was 18 and it was my first full-time job.”
“I had pneumonia and a doctor’s note. Came back to work a week later wheezing and puffing an inhaler. Got fired the next week. Jokes on them. I still got unemployment benefits when they tried to fight it. Doctor’s notes are good things,” added another person.
Finally, the third added, “I went to a funeral and took the three paid days off and called off a fourth because it was my grandmother and we were very close. They called it job abandonment.”
11. Working With a Felony
Somebody commented, “My parole officer wanted to make sure I actually had a job, so he went to my employer listed on my file to surprise visit me on the job. I did home wiring so I worked at different job sites and rarely in the office. He called me to say he was going to charge me with a violation for lying to him about my whereabouts (this could’ve landed me back in prison for my remaining 10.5 years sentence).
“The owner of the company had to speak with him and vouch for me. My parole office didn’t charge me, but the owner sure did fire me that day. Finding a job with a felony isn’t an easy thing, and it wasn’t long before my PO threatened to charge me with a violation if I didn’t find a job soon.”
The second person replied, “What a f- clown process. I’m sorry you went through that.”
12. Let Go to Hire the Manager’s Girlfriend
Somebody said, “I was a kid and just started at a local pizza place. I was let go couple weeks later because a pizza chef from Chicago had moved into the area and needed a job so it was a business decision that I totally understood. Week later, went to go get my last check and asked how he was doing, the girl up front was like, ‘pizza chef from Chicago? The only new hire was the manager’s new gf.’”
Somebody else replied, “I got let go in favor of hiring the manager’s gf once too. Very irritating.”
13. Fired for Being 10 Minutes Early Instead of 20
“I refused to come in 15-20 mins early unpaid for my shift. I was always 5-10 min early but they decided they wanted me there earlier. I carried on as normal as I’m not coming in if I’m not being paid. Turned up for a 12pm shift at 11:49, no one would look at me when I arrived, then was thrown in a meeting and fired for being ‘late’. Was out the door before it even hit 12. It was the only time I’ve ever been fired,” shared somebody.
14. Building a Snow Sculpture
“I built a snow scorpion sculpture (I used ketchup for the red glowing eyes and everything) on a particularly miserable day at a ski resort. The guests enjoyed my sculpture very much, management weren’t so happy,” said one.
“Sounds like crap management. Sad. I’m glad to hear you made the guests happy, though,” the second person added.
15. For Sneezing
One person stated, “They sent me home because I sneezed and I was forced to get tested for Covid. Then, when I tested negative, I was terminated for ‘Abusing pandemic policies to stay home.’”
“That has to be illegal in some form,” replied somebody.
16. The CNA Lied About What Happened
“I asked the CNA I was working with to stay with a confused patient, while I went and put a new IV in another patient. The CNA left the patient alone. She fell out of bed and got a big bloody skin tear on her arm. After I took care of that, I went and found the CNA and told her the patient was injured because of her insubordination. The CNA cussed at me, and left the unit. I did not see her again that shift. She and another CNA decided on their own to trade assignments.
“I wrote the CNA up. The CNA went to mgmt and lied about me. She said I called her by a racial slur and yelled at her. I did neither. Mgmt fired me rather than deal with a false claim of racism. I collected unemployment.
“The CNA did something similar with another nurse a couple of weeks later, and was fired. My mgr asked if I could be rehired. HR said no. When my mgr quit to start her own nursing agency a year later, she hired me,” one person stated.
“You can’t pay me enough to go back to work in a nursing home. I have so many stories of problems between nurses and CNA’s getting each other in trouble and the residents caught in the middle,” replied another.
17. They Lowered My Pay So I Slept During My Shift
“They lowered my pay, so I started sleeping at work and did only half the task they wanted me to do. Took them 3 years to fire me,” shared one Redditor.
“I’m amazed at how long it can take sometimes to fire a person. I had a boss who got shoulder surgery and was wildly add*cted to pain meds. Dude would show up to work high as a kite and started at the ceiling for hours. He got away with it for about 2 years before anyone said anything,” the second person replied.
18. I Gave My Employee Meal to My Mother
Somebody commented, “I gave my employee meal to my mother. That’s literally it. I didn’t like eating the food there, so I had my mom bring me lunch, and I just gave my employee meal to her. Apparently, that was considered theft, so I was fired.”
Wow, some of the reasons above for getting fired were just crazy! Did you experience the same? Let us know in the comments!
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When your pet faces a medical issue, your vet may prescribe a special diet to help manage the condition. While prescription pet food can be a critical part of your furry friend’s treatment plan, it can also come with a hefty price tag. If you’re wondering whether pet insurance covers the cost of prescription pet food, the answer is: It depends on the provider.
What is prescription food for pets?
Prescription diets are formulated to address specific health conditions in pets, ranging from allergies to kidney disease. Unlike regular pet food, these generally require a vet’s prescription, ensuring they’re fed to pets who genuinely need them.
Why might my pet need prescription food?
Your vet might recommend a prescription diet if your pet has conditions like:
These diets cater to the pet’s unique nutritional needs and can help manage or treat their condition. They usually come with a higher price tag than standard pet food.
Does pet insurance cover prescription pet food?
Some pet insurance plans cover prescription food, but it’s important to read the fine print. Your policy might cover prescription diets under certain conditions or up to a specific limit.
Pet insurance company
Covers prescription food in standard plan?
Covers prescription food through add-on?
AKC’s prescription food coverage
AKC won’t cover most pet food, but it makes an exception for prescription diets used as the sole treatment for a covered condition. So if your veterinarian prescribes a special diet to manage your pet’s condition, AKC will consider covering the cost.
Embrace’s prescription food coverage
Embrace generally doesn’t include prescription food coverage in its standard insurance plans. One exception may be if your vet prescribes a certain type of diet for hyperthyroidism in cats. But if you enroll in the optional Wellness Rewards program, you can get reimbursed for prescription diets purchased through your vet. The Wellness Rewards program also covers other routine expenses like wellness exam fees and vaccines.
Figo’s prescription food coverage
Figo offers optional “Powerups” that you can add to its standard accident and illness plan. One of them reimburses you for vet exam fees and will pay up to $250 per policy term for food prescribed as the sole treatment for a covered illness. So if your dog is diagnosed with an ailment that requires a special diet and your vet prescribes a therapeutic food as the only treatment, this rider can help offset the cost.
MetLife’s prescription food coverage
MetLife covers prescription pet food from a veterinary provider under its standard accident and illness plan in most states.
Nationwide’s prescription food coverage
Nationwide may cover prescription food under certain plans or with an extra rider. If it’s included, the food must be a therapeutic diet prescribed by a veterinarian to treat a covered medical condition. Your vet may need to provide Nationwide with details about the type of food, which condition it’s treating and how much you should feed your pet.
Pets Best’s prescription food coverage
Pets Best doesn’t cover prescription pet food or supplements.
Spot’s prescription food coverage
Spot’s core pet insurance plan includes coverage for prescription food and supplements when they’re prescribed by a licensed veterinarian to treat covered conditions. The policy reimburses actual costs for these prescription foods, up to the limits specified in your policy.
However, Spot doesn’t cover prescription food used for general maintenance or weight management, or any food you can buy without a vet’s prescription.
Trupanion’s prescription food coverage
Trupanion covers prescription pet foods for dogs and cats when they’re prescribed by a licensed veterinarian for the treatment of a covered illness or injury. This coverage reimburses 50% of the cost, minus any deductible. But the policy covers only the first two months of the prescribed diet. After that, you’ll pay the full cost out of pocket.
Pet insurance often excludes pre-existing conditions. So if your pet was already on a prescription diet before you bought your policy, it probably won’t be covered.
How does coverage for prescription food work?
First, check your policy details to make sure prescription food is covered and see what restrictions apply. To find this information, look in the fine print and read through your plan’s endorsements.
Typically, your vet must prescribe the food for a specific medical condition affecting your pet. It usually can’t be for general health or weight management.
If it’s covered, you’ll generally pay upfront for the food and then submit a claim to your insurance company. The insurer would reimburse you according to your plan’s terms.
For example, if your dog develops kidney disease, your veterinarian may prescribe a special low-protein diet. After buying the prescribed food, you’d submit the receipt and any other requested documentation to your insurer. Depending on your plan, you might be reimbursed for a percentage or up to a certain limit of the food’s cost. If you haven’t met your deductible, the insurer may subtract that amount from your claim payout.
Other ways to save on prescription food
Prescription pet food can be a game changer for pets with certain health issues. But if your policy doesn’t offer coverage, there are other ways to make these diets more affordable. Consider:
Buying in bulk or during sales.
Joining loyalty programs or subscribing to regular deliveries for discounts.
Exploring homemade diet options (with guidance from your vet).