Qualify for Disability Benefits – My Story and Advice
If you’re age 30-65 and have been unemployed for more than 12 months, find out if you qualify for benefits. Click the red “Apply Now” button above to get started, and get an answer in 5 minutes. It doesn’t cost anything to find out.
If you’re familiar with my story, a few years ago my husband became very ill and despite many medical tests they could NOT find what the problem was. I learned that doctors don’t always follow through as they should, and that in order to get the best care for my family I had to stand up, study up and MAKE THINGS HAPPEN. We insisted on getting a new doctor, and then insisted on going through his chart line by line. It was then that *I* noticed that he’d tested positive to an initial Hepatitis-C test and demanded the second test be done immediately. It was done, and he did in fact have Hep-C! Thankfully the strain he had was the easiest to cure. He did chemo for 6 months and he’s now Hep-C free! Don’t get me wrong, it was the most likely to respond to treatment but there was nothing EASY about it! Now, a few years later, he’s just finally getting to where he feels a little better. And now we must deal with the second pressing issue, crippling back pain caused by two back surgeries — one gone horribly wrong, and subsequent scarring and degeneration.
So, it is with a few years of Social Security Disability application experience that I share some real-life tips:
- Find out if you qualify. It’s quick and easy to find out if you qualify for Social Security Disability!
- Do it NOW! Don’t wait because it takes a LONG time! We’re still working on it, but there’s a light at the end of this very long tunnel for us. Finding out if you qualify is quick and easy, but the road ahead will be much, much longer if you make all the mistakes we did!
- Be thorough with your doctor. My husband goes to the doctor many times each month. There were times he’d go every single day when he was doing various treatments. Don’t wait, get in to see your doctor and insist that they help you! Do your homework and make sure they’re addressing and documenting your issues. Once when I was seeing a company doctor for a work-related injury, he said “Good morning, how are you?” to which I replied, “I’m fine, how are you?” He closed my case because I said I was fine! Having medical records is an absolute must when filing for benefits, and of course it’s part of the path to resolving your health problems!
- Be thorough with your application. When we filed for Social Security Disability we not only sent the application and related paperwork, we actually sent more than a ream of paper that was his medical records. I had gone through and put flags (post-its) and highlighter on pertinent info. The SSD clerk who processed it said she’d never seen such a complete application!
- Document everything! My husband has a folder sleeve with all his paperwork. Stapled on it are sheets of paper where he writes when he talks to someone at SSD. He dates it, gets a name, and summarizes the conversation every time.
- Follow up and follow through. Get a phone number of someone you can talk to at SSD. Then, check back often! But also, be careful to avoid a big mistake we made. We were calling one department that was telling us the application was still being processed when in fact they had reached a determination!! We weren’t notified by mail (letter was sent first class and was probably lost), and didn’t know until almost 9 months later when we finally went in to our local SS office to see what was up. They recognized that we’d called this other department and acknowledged that the department informed us incorrectly. If we hadn’t had dates and names of all the phone calls, and called regularly, our case would have ended there and we would have had to reapply (you have only a limited time to respond). This would have meant losing 2.5 years of wages!!
- Get a lawyer. This is probably one of the only times I’d say something like this. But in this case find a good Social Security Disability lawyer. We didn’t at first, but I sure wish we would have!! My husband hasn’t worked in years and it’s changed our lives drastically. So, as soon as you can, I’d recommend getting the wheels in motion!