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Accountants are employed by private individuals, corporations, and the government to advise their clients about financial obligations and opportunities. Accountants examine financial documents and "translate" complex data into ordinary language. Accountants also provide information that protects the financial interests of people who contend with medical illness and disabilities. The terms of disability insurance policies illustrate the accountant's role. A restrictive definition of partial disability or total disability may prevent a policy holder from making a successful claim after years of faithfully paid premiums. Should a claim be rejected, accountants can assist in the appeal. Certified Public Accountants (CPAs) represent one of the four areas of specialization within accounting. In the United States, CPAs are licensed after they complete college and professional studies, gain professional experience, and receive a passing grade on the national Uniform Certified Public Accounting Examination. CPAs can be helpful in the personal, professional and business lives of people with disabilities.They offer the information and perspective that encourages people to make sound decisions in their daily lives and to anticipate estate issues. Accountants assist their clients in financial planning, including the tax consequences of decisions. Accountants advise clients about tax-deferred or tax free-savings for retirement through Individual Retirement Accounts (IRAs) and other vehicles. CPAs are also experienced with the documentation necessary to receive disability income tax credits from the Internal Revenue Service (IRS) and disability benefits from private insurers, employers and the government.Accurate documentation is the foundation of all successful claims for benefits, and is especially important to people with health-related disabilities. In 2013, the Pew Research Center documented an "explosion" in costs that are associated with chronic medical conditions.Approximately 45% of the American population has a chronic medical illness. Accountants protect the lawful financial interests of their clients in all aspects of their lives.
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