Navigation Facing a physical impairment can be uncomfortable. You suffer from the pain daily, reducing your abilities and preventing you from working. As a result, the loss of income becomes a significant concern. Fortunately, you may be eligible to receive disability benefits by applying to either Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). […]
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Fast Facts About Social Security
Social Security programs are of vital importance to many Americans. In fact the number of people receiving benefits is in the millions. The Social Security Administration has released data showing that approximately 72.9 million people receive benefits from programs administered by the Social Security Administration (SSA) in 2024. Six million people were newly awarded Social […]
A New Safety Net for VA Borrowers: Inside the 2025 Partial-Claim Law
On July 30, 2025, the VA Home Loan Program Reform Act (H.R. 1815) became law, creating a statutory Partial Claim under 38 U.S.C. § 3737 to help Veterans keep their homes. In practical terms, when a Veteran’s VA-backed mortgage on their primary residence is in default or at imminent risk, the VA can advance funds […]
Cost-of-Living Adjustment for 2026
On October 24, 2025, the Social Security Administration announced a 2.8% benefit increase for 2026. This cost-of-living adjustment (COLA) is a little bigger than last year’s COLA which saw a benefit increase of 2.5%. Over the last decade, the COLA increase has averaged about 3.1% per year. Beginning in January of 2026, approximately 71 million […]
Gardberg & Kemmerly Supports Making Strides Against Breast Cancer 2025
October is Breast Cancer Awareness Month. Every year, the attorneys and staff at Gardberg and Kemmerly, P.C. have a team for the Making Strides Against Breast Cancer walk. The Making Strides Against Breast Cancer walks raise funds to support breast cancer patients, survivors, and caregivers. According to the American Cancer Society, approximately 319,000 women will […]