Discussion Board Forums Insurance Social Security Disability You can apply on line or local office

Viewing 15 posts - 1 through 15 (of 29 total)
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  • #18066
    just_jill
    Member

    Yes Rick there is a waiting period. My last day of work was Sept 6, and they ruled out that entire month. My first payment was in April. That was for the month of March. Did they rule out getting SSI in the meantime for you? I did not qualify for that, they use household income for those guidelines.

    #18065
    rick-kamp
    Member

    Update: I was approved for SSDI but told that I must wait 6 months before I start getting paid. I asked the clerk about that and stated that I was under the impression for this illness that there was no waiting period and she responded that the only illness without a waiting period was A.L.S.

    Can any of you share your experience? Was there a waiting period? If not, do you know how you managed to avoid the waiting period and what the policy that was used was?

    This is a bit of a bummer for me. I was hoping that this was immediate (after all I am NOT working!). Any help would be appreciated.

    Rick

    #18064
    just_jill
    Member

    Very glad you were approved, Rick!

    Yes, I am aware of the amount you can earn. However, I am also weary of trying to work in the first year, and triggering a review. There are work at home forums, and many disabled are members, these are the stories I hear of trying to better their situation by working small jobs, and end up loosing their disability over a few hundred per month. There are companies that will take the ticket to work, and try their hardest to get you to work more hours than allowed. Its just a mess to try and deal with.

    I want to work, don’t get me wrong, however, my digestive system, does not allow me to be out of the house for more than a few hours at a time. We are working on this, with some enzymes, and progress is being made!

    #18063
    lalupes
    Participant

    That’s great news, Rick!! :)

    #18062
    lainy
    Participant

    YEAH!!!! A good news day. Keep that good news coming.

    #18061
    rick-kamp
    Member

    I just got the call that I was approved! They just need to get some information to get my daughter added which will pay a little bit more for disability benefit. Thank God that this did come through fairly quickly!

    Rick

    #18060
    rick-kamp
    Member

    Jill,

    The publication (cited below) states that for up to 9 months you can go back to work and still collect benefits. After those 9 months, it would be determine based on your earnings whether you continue to get some, all, or none of your beneifts. In 2009, you can earn up to $980 per month for up to 36 months and keep your full SSDI benefits. At least, this is how I read it!

    If I am able to work a few days a month and earn maybe $500 per month then I very happy with that!

    http://www.ssa.gov/pubs/10095.html

    Hope this helps. And I hope that mine gets approved soon!

    Rick

    #18059
    just_jill
    Member

    Rick, I have heard if you start working even part time, the first year, you can trigger a review, and loose it. I just started getting mine in April of 09 and would love to test the waters. Being home 24/7, mostly, is just not all its cracked up to be.

    #18058
    rick-kamp
    Member

    I also applied for SSDI a few weeks ago. I haven’t heard anything yet but keeping my fingers crossed. Had about 2 months of vacation pay to take, hope that doesn’t slow it down. It’s also complicated because I’m a shareholder employee of a corporation. I haven’t worked in about a month and only very lightly before that. I hope that being an officer in the company doesn’t make SSDI approval impossible. The way I see it now, my investment in the company is just like owning any other stock – an investment only and not emlployment. Anyone have experience with this?

    I also see that you CAN work a little after approved for SSDI – up to $980 per month. That would be great to be able to go back a day a week or so and help out when chemo is done or feeling better. Anyone have experience with that – and did it cause any problems with your SSDI?

    We really need this money to come in since I am not working. Keeping my fingers crossed..

    Rick

    #18057
    allicat859
    Participant

    Hi, just wanted to add our experiences with the medicaid spend down that they put you on for the first two years. You might think it pays for everything but it doesn’t. The patient has to qualify every three months. And the approval process usually takes another three months. So you automatically run three months late on all you doctor and hospital bills. In order to quallify your bills for a one month period must be three times what your household income is for that month. With our medical bills and our lack of income thankfully John has qualified for every quarter. Another potential problem is medicaid has limits on how often they will pay for a procedure and a limit on howoften they will pay for ceritan blood work. unfortunatly, John has to have blood work done once a week. Medicaid won’t pay for the last two months of last year. Also you must be vigilant about how the hospital processes the claims. If it is not processed properly medicaid will denie it. And if the billing department doesn’t resubmit within the alloted time it becomes your responsibilaty. There are many more loopholes we’ve run into but this is getting long winded. Best of luck to all.
    Alice

    #18056
    pattib
    Participant

    Just a quick note to anyone dealing with SSDI and insurance. There are many twists and turns to this thing! You CAN work on SSDI up to a small limit of income. I had lost my medical insurance and was on Medicaid for a while, but when my SSDI started i was cut off that too. Just today I was put back on BECAUSE I work! Pretty unbelievable! The government programs that cover people like us are very convoluted. I just found one, “Freedom to Work” that allows me to work and still covers me with Medicaid insurance – I am in the two year waiting period to get MediCARE. I’m happy to tell anyone interested more about it if you email me.

    #18055
    carol58
    Participant

    Hi, I know all states have different rules. We’re in NC. Charlie’s year since being disabled is almost upon us. His company will quit paying our family’s health insurance and we’ll be offered COBRA, which is about $1,000 a month to cover Charlie, me and our daughter who is in college (Sideline to Kris: I did find some “special circumstances” money at the college to pay for Sarah to continue). Our son is covered by a state program until he turns 18 next March. I don’t know how it’s all going to work out. We end up short already every month from Charlie’s disability money. It’s impossible to stretch it for 2 adults and 2 teenagers. Savings is gone. Our church and family’s help out when they can. Sorry cdr to go off on a tangent. You MUST not let your insurance lapse whatever you do. That’s how it is here. I’ve got to figure out how to come up with that extra money for ours. I lost my job last June right after we found out about Charlie’s cancer. It’s been a crazy year. I’m scheduled for a hysterectomy in May. HA, guess Charlie can take care of me for a while this time. Don’t let it lapse – something about insurability and you won’t be insurable with your history. Hope this helps a little. I hope things are going well for you and your family.

    Carol

    #18054
    thecdr
    Member

    I have been reading this thread with great interest as I think I am at the point where I need to quit work. I work from home which certainly takes the commuting strain off, but I find myself unable to do what I should be doiing. My question to you smart people is what about medical insurance? what did you do about that?

    #18053
    jeffg
    Member

    Hi Cathy…. I just wanted to say, that is basically what we did is build up the litte nest egg abd then I Resigned stating health reasons. Also, I don’t know if you saw my previous post, but with this DX you will go to the head of the line. I was approved with 12 months max retroactive from date of stopping work, All was done within 3 weeks and it only had to go in front of the disability and determination office , no judge or appeals involved. I’m sure the Judge signed off in the already determined approved pile of applications. There is such a shortage of judges for the long drawn out type of applicants. Also the hiring of more judges is tied up in congressional bill that the president refused to sign due to so many little other things trying to be stuck in with the Main Bill to be passed. Politics don’t you just love it???
    Bless Ya!
    Jeff G.

    #18052
    cjfrancis
    Participant

    Thank you for the information and advise. We didn’t even apply for SSI just SSDI. We’ve been trying to save as much as possible anticipating the day he won’t be able to work. CT scan came out good yesterday! Calcium and platelets are low and he now has irregular heartbeat. I know I have to give him time to know when its the time when he feels he can’t work. Thank you again. Cathy

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