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Oct 19, 2016 08:47AM
I think you were misinformed about the no wait period for SSDI award for folks with MBC. If you know different, please provide those resources. The sources I check are all in agreement.
Though our applications are fast tracked through the Social Security Administration's Compassionate Allowances Initiative, our income doesn't start until after the mandated wait period:
For instance, the five-month waiting period for SSDI claims is not waived by having a compassionate allowance. The waiting period is established by federal law and cannot be reversed by SSA's compassionate allowance initiative. http://www.disabilitysecrets.com/five-month-waitin...
For those without short or long term disability coverage through work (or accumulated sick & vacation pay) or a state disability program (availability varies by state), the wait time can be daunting!
The five months wait for income is actually six months as you don't get paid until the first of the month - for the previous month!
For instance, I'm at end-of-life and if I die before month's end, no payment on the first of the following month. No pro-rating or adjustments to the income. Yes, there are still rent and bills to be paid for the coming month, but tough luck!
Many people die before receiving SSDI income. And, there's another 24 month wait period for Medicare coverage for those receiving SSDI - many more die without getting Medicare coverage, so check with COBRA before quitting your job (get that extension) and use the ACA mandated programs (availability varies by state)
The SSI program for those with very low income and resources is a different story, but if you've worked for properly recorded pay and hours, then SSDI rules will govern the day.
People who have disabled family members who've never worked or only in sheltered workshops will often confuse the SSDI and SSI programs.
It's good to consult financial, legal, estate planning and/or disability advocates when filing for SSDI.
If you have limited resources, here's one for you: http://www.ilru.org/projects/cil-net/cil-center-an...
Financial bleeding can be every bit as life-threatening as MBC - for the patient and her/his survivors!
Lots to untangle and my best non-professional advice is to prepare, prepare, prepare!
good healing regards for all, Stephanie
PS, Disability Protective Filing Date information
PSS, those with unreported earnings, working for many school and government organizations, homemakers and those with inadequate savings to tide them over all have different and special needs. Prepare and consult!
Grateful to be here. Advanced breast cancer for 25 years, engage holistic approaches. Am dealing with ascites and many mets. Am on hospice.