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Momof3boys
LIF Infant
Member since 6/15 306 total posts
Name:
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Perm Disability Q
Has anyone gone through this process? How long does it take? Any tips? Thanks
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Posted 10/22/15 11:17 PM  |
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sometimesmommy
Always in my heart.....
Member since 11/06 6686 total posts
Name:
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Re: Perm Disability Q
As in Long term? via Social Security or employer?
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| Posted 10/22/15 11:20 PM |
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Momof3boys
LIF Infant
Member since 6/15 306 total posts
Name:
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Re: Perm Disability Q
Just learning the process now! I think Ss. Which one is better ?
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| Posted 10/22/15 11:31 PM |
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sometimesmommy
Always in my heart.....
Member since 11/06 6686 total posts
Name:
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Re: Perm Disability Q
Posted by Momof3boys
Just learning the process now! I think Ss. Which one is better ?
If you have an employer LTD plan most from what Ive seen will require you to apply for both as payment from SSDI will offset what you get from LTD carrier.
How long it takes for LTD-depends on if you are approved the first time around or denied and have to appeal. SSDI can take years and multiple tries. There's not a set amount of time. Its based on the type of disability and how detailed your doctors have kept your medical history. So make sure your medical records are up to date. Have them write letters as to why your disability does indeed make you unfit for work--even sedentary work. Make sure you also have tests etc to back up the physical limitations.
Message edited 10/22/2015 11:49:12 PM.
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| Posted 10/22/15 11:42 PM |
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Momof3boys
LIF Infant
Member since 6/15 306 total posts
Name:
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Re: Perm Disability Q
Posted by sometimesmommy
Posted by Momof3boys
Just learning the process now! I think Ss. Which one is better ?
If you have an employer LTD plan most from what Ive seen will require you to apply for both as payment from SSDI will offset what you get from LTD carrier.
How long it takes for LTD-depends on if you are approved the first time around or denied and have to appeal. SSDI can take years and multiple tries. There's not a set amount of time. Its based on the type of disability and how detailed your doctors have kept your medical history. So make sure your medical records are up to date. Have them write letters as to why your disability does indeed make you unfit for work--even sedentary work. Make sure you also have tests etc to back up the physical limitations.
Thanks for the info! Can you still work during the application?
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| Posted 10/23/15 12:07 AM |
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sometimesmommy
Always in my heart.....
Member since 11/06 6686 total posts
Name:
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Perm Disability Q
Not sure.
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| Posted 10/23/15 12:36 AM |
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LIRascal
drama. daily.
Member since 3/11 7287 total posts
Name:
Michelle
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Perm Disability Q
I spoke to a lawyer about this recently. Some advice is to create an account on the social security website so you can answer some basic questions like when was your last insured date (this date will be a future date to ensure you're eligible for ssdi benefits), how many credits you earned each quarter, and your earnings year by year.
I did this and called 2 lawyers for more info and advice. The one in the city gave me so much info and a projection.
he explained that since I'm under 50, I will probably be denied the first time. For me and my condition, 3-5 years. Payments are retroactive to your initial filing date.
PM me if you want more information.
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| Posted 10/23/15 11:06 PM |
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