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Tertle
Regular Member


Date Joined Jul 2007
Total Posts : 108
   Posted 1/30/2008 12:22 PM (GMT -7)   
Just wondering, do you have to be out of work to apply, or do you think it would be smart to apply now, before I can't work anymore??

If it takes so long I'd rather get the ball rolling now, you know what I mean....



-Tertle
-Tertle


uppitycats
Veteran Member


Date Joined Jun 2005
Total Posts : 2135
   Posted 1/30/2008 12:44 PM (GMT -7)   

You should not apply for SSDI while working, or while looking for work.  They make it very clear that your application won't even be considered if you can work!  NO meaningful, gainful employment, even employment for which you might not be trained to do, or for example a low-skilled job when you have advanced training and skill.

If you are considering now that you believe you can't work anymore due to disability, start NOW to be sure to talk with your doctor about it. If he doesn't agree, your application won't go anywhere.  Make sure any additional doctors also know, and agree (like neuros, ophthamologists, chiropractors, any other medical people you might see).  They'll ALL be asked by the social security department, and they'll all have paperwork to fill out on your behalf. 

Make sure that you've done what you can to retain your present job: have you informed your employer of your disability?  Have you asked for "reasonable accommodation" under the Americans with Disabilities Act, and has it been granted (or denied), and if so, why or how?  Have you thought about other ways you could do your job, or move to another job within the company (even if it pays less, or has fewer benefits)?

The reason that the applications for SSDI take so long are many: 1) they are way understaffed and overworked; 2) many more people apply for benefits who really aren't eligible to get them, so there are lots of applications that are automatically rejected; 3) the social security people are very skeptical of applications, primarily because many more people apply who really aren't eligible; 4) money is tight..everywhere, even in government...and they want to try to make sure that people that REALLY can't work because of disability are getting the benefits; 5) once you do apply, you'll have lots of paperwork to complete, as will your doctor(s), employer, sometimes friends and neighbors, sometimes spouse; there'll be doctor appointments you'll have to go to (at their expense, but your inconvenience), there may be interviews, and second interviews, and so on.

Presumably you know for certain that you're even eligible to apply? That you've worked for more than 10 years in jobs where you've paid into the social security system?

I don't mean that you should provide me answers to these questions...more that these are questions you'll be asked by the SSDI examiners, so it's good to start thinking about them now, and figuring out how you're going to answer, should you decide (or should it become quite necessary) to apply for SSDI.

 

Good luck!

 


...I am not a doctor, nor health professional, and don't pretend to be one, here.....


Tertle
Regular Member


Date Joined Jul 2007
Total Posts : 108
   Posted 1/30/2008 4:38 PM (GMT -7)   
Thanks for the info uppity..

I don't like the thought of having to stop working and not get any money for however long SSDI takes. I suppose unemployment is an option.

Maybe I should just wait till that time comes to worry about it....

Thanks again

-Tertle
-Tertle


uppitycats
Veteran Member


Date Joined Jun 2005
Total Posts : 2135
   Posted 1/30/2008 6:41 PM (GMT -7)   
Tertle said...
Thanks for the info uppity..

I don't like the thought of having to stop working and not get any money for however long SSDI takes. I suppose unemployment is an option.

Maybe I should just wait till that time comes to worry about it....

Thanks again

-Tertle

Now would be a good time, too, to see what benefits you might already have coming to you. Like short- or long-term disability, length of sick leave, length of paid vacation...any of these that might pay the bills for awhile until you can apply for SSDI. When you DO quit, make sure it's clear that you're quitting because you can no longer work because of disability.  That'll make some difference in your application, too.
 
 
...I am not a doctor, nor health professional, and don't pretend to be one, here.....


rhondab
Veteran Member


Date Joined Mar 2006
Total Posts : 2146
   Posted 1/31/2008 10:01 AM (GMT -7)   
Hey Tertle

Just sticking my head in to say best wishes with this. I know it can and likely will be a struggle to get this done, but if u need it then u just have to go at it. Uppity's given u such good info here! She's right...see what's avail to u now and take advantage of what u may need. My bro in law had to apply for this sometime back and it took him two years to be approved...and lots of persistence...but he got approved and is going along fine now. Take care friend and i'll keep u in my thoughts on this.
rhonda
Co-Moderator, MS Forum
 
*~*Sometimes the Lord calms the storm. Sometimes He lets the storm rage and calms His child.*~*
 
Things that make u go hummmm......
*I wonder how much deeper the ocean would be without sponges.*
*One day without sunshine is like...um..well...night?*


Tertle
Regular Member


Date Joined Jul 2007
Total Posts : 108
   Posted 1/31/2008 11:31 AM (GMT -7)   
Thanks Rhonda and Uppity, I did check today and I have both short and long term dis. I guess I didn't even think about that.... oh well welcome to my brain, ha ha..

Well that answers my questions about how people survive waiting years for it to be approved.

One more question, If you quit your job, how long does long term last?


-Tertle
-Tertle


uppitycats
Veteran Member


Date Joined Jun 2005
Total Posts : 2135
   Posted 1/31/2008 1:14 PM (GMT -7)   
Tertle said...
Thanks Rhonda and Uppity, I did check today and I have both short and long term dis. I guess I didn't even think about that.... oh well welcome to my brain, ha ha..

Well that answers my questions about how people survive waiting years for it to be approved.

One more question, If you quit your job, how long does long term last?


-Tertle

We can't answer that question -- it depends entirely on how the policy your company has, is written.  Be sure to READ CAREFULLY the policies and procedures for going on short- or long-term disability. There are lots of pitfalls you could encounter, and if you don't follow the steps that should be outlined either in the policy or in your personnel manual, they can deny you coverage.
...I am not a doctor, nor health professional, and don't pretend to be one, here.....


Tertle
Regular Member


Date Joined Jul 2007
Total Posts : 108
   Posted 1/31/2008 3:09 PM (GMT -7)   
Thanks again, I'll look into that.
-Tertle


Sunnycitrus
Regular Member


Date Joined Apr 2007
Total Posts : 334
   Posted 1/31/2008 4:43 PM (GMT -7)   

Hey Tertle,

 

I just want second Uppity’s point of checking into your short/longterm disability policy carefully before you go that route. While I am now undxed, at the time I went through the disability process, I “had” MS. I was able to get short-term disability with little problem, but I was turned down for long-term disability due to a pre-existing condition clause. I don’t know how long you’ve been at your job, but thought I’d mention what happened to me.

 

I was not dxed with MS until about a year after I began my last job. MS was not even brought up as a possibility until after I had been working at my previous job for months. However, the disability insurance company determined that my MS was a pre-existing condition anyhow.  They were able to make such a ruling because I’d gone to a doc before my date of hire, for symptoms they later attributed to the MS.

 

 I hope you don’t encounter anything like this, but thought I’d bring it up.

 

Best of luck to you!

 

Sunny

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