Re: Message #87522 DISABILITY

[Guest guest]

I can not remember the web sites that I read, but there are sites that

give you helpful info about things to do before you apply for Social

Security Disability. My only advise to you is this.....BE PREPARED

FINANCIALLY for the wait before you receive Social Security. I had to

quit work when I was not prepared to. My works Insurance gaveme a

difficult time. They 1st denied me my Short Term Disability, they said

I could work...I appealed their decision..then they said I was TOTALLY

DISABLED...after they denied me the Long Term Disability they said my

illness was a pre-existing condition. I went some months without any

income...thank god I had begun to save (just not long enough). I

finally got my back pay from Short term, had to use it to pay off all

the credit cards I maxed out....etc etc.......

I am currently broke and fear April because of the bills I will not be

able to pay, scared and live alone with no one to help me.

PLEASE.....be prepared!!!! Social Security Can take a long time...for

me it will be 1 yr. this April since I applied and I am still waiting

for a hearing.

MY ADVICE .............PREPARE YOURSELF!!!! Start Today!

[Guest guest]

>

> I can not remember the web sites that I read, but there are sites that

> give you helpful info about things to do before you apply for Social

> Security Disability. My only advise to you is this.....BE PREPARED

> FINANCIALLY for the wait before you receive Social Security. I had to

> quit work when I was not prepared to. My works Insurance gaveme a

> difficult time. They 1st denied me my Short Term Disability, they said

> I could work...I appealed their decision..then they said I was TOTALLY

> DISABLED...after they denied me the Long Term Disability they said my

> illness was a pre-existing condition. I went some months without any

> income...thank god I had begun to save (just not long enough). I

> finally got my back pay from Short term, had to use it to pay off all

> the credit cards I maxed out....etc etc.......

> I am currently broke and fear April because of the bills I will not be

> able to pay, scared and live alone with no one to help me.

> PLEASE.....be prepared!!!! Social Security Can take a long time...for

> me it will be 1 yr. this April since I applied and I am still waiting

> for a hearing.

> MY ADVICE .............PREPARE YOURSELF!!!! Start Today!

>

[Guest guest]

That was great advice. Another thing they suggest is to know what

EXACTLY is in your medical records. They said to make sure the doctor

in fact wrote down Diagnosis Fibromyalgia. They said it does help to get

DXed by a Rheumatologist. I have 3 doctors who all agreed that I do

have fibro. What's stopped me from applying is I have Major Depressive

Disorder, then Fibro. The MOST I would get right now is $300/month. I

have 3 kids. My hubby is the bread winner. It would put a cap on his

earnings too. I don't want that. I work at home and am in training to

be a life coach. That's my answer. I don't want to depend on a flimsy

government structure. I think it's wonderful we can apply and win

though. If they would give it to me, It would be for the Depression a

mental health check. I don't want that. Plus, I don't qualify because

I pay child support, and owe some student loans.

[Guest guest]

>

> That was great advice. Another thing they suggest is to know what

> EXACTLY is in your medical records. They said to make sure the doctor

> in fact wrote down Diagnosis Fibromyalgia. They said it does help to

get

> DXed by a Rheumatologist. I have 3 doctors who all agreed that I do

> have fibro. What's stopped me from applying is I have Major

Depressive

> Disorder, then Fibro. The MOST I would get right now is $300/month. I

> have 3 kids. My hubby is the bread winner. It would put a cap on his

> earnings too. I don't want that. I work at home and am in training to

> be a life coach. That's my answer. I don't want to depend on a flimsy

> government structure. I think it's wonderful we can apply and win

> though. If they would give it to me, It would be for the Depression a

> mental health check. I don't want that. Plus, I don't qualify because

> I pay child support, and owe some student loans.

>

I did find it interesting that when my primary care doctor got the

paper work to fill out, she asked me to come to her office and we went

over the form together. She had been one of the doctors I had gone to

for 4 or 5 years after we moved to where we are now and then they

closed the office and she took time to spend with her children, so I

then saw two other docs in another office, and basically Katharine and

I just reviewed my history. It was very funny when the SSD doctor

read her report, he said " it looks like she used the form they sent

her! " Duh????

But as I said in another post, I got cut, smart mouth with the

psychologist --- I have seen so many of them that it's beyond being

funny when they start their little tests --- count back from a 100

using 7 each time! Well, gee! the first time it is 93, the second

time, you subtract mentally 3 from 93 and get 90 so then you subtract

4 from 90 and the 2nd number is 86. Quite frankly, I found it all so

farcial and thought the docs were working for the SS dept because they

really didn't have that many patients!!

But despite my smart answers, it was determined that I really was

disable. And for me that's all that counted.

I know that most people do it on their own the first time, but I had

heard of so many people going through it 2 times and then getting a

lawyer, I didn't think it was worth wasting the time. So I only spoke

to the adjudicator twice, the rest of the time he had to call Allsup

in Belleville, Illinois and get his answers.

[Guest guest]

I was in the medical field when I became disabled, I made sure I had

every record of any doctors I ever seen and the regression I was

going through. I was lucky I got the son of the guy who wrote the

guidelines for social security guidelines. When I went to him he said

I had all the information he need the first time. He had never seen

anyone who had it. I have also been told that Fibro is a disablity

diagnosis. If you need anything, you can IM me.

Robin

>

> I can not remember the web sites that I read, but there are sites

that

> give you helpful info about things to do before you apply for

Social

> Security Disability. My only advise to you is this.....BE PREPARED

> FINANCIALLY for the wait before you receive Social Security. I had

to

> quit work when I was not prepared to. My works Insurance gaveme a

> difficult time. They 1st denied me my Short Term Disability, they

said

> I could work...I appealed their decision..then they said I was

TOTALLY

> DISABLED...after they denied me the Long Term Disability they said

my

> illness was a pre-existing condition. I went some months without

any

> income...thank god I had begun to save (just not long enough). I

> finally got my back pay from Short term, had to use it to pay off

all

> the credit cards I maxed out....etc etc.......

> I am currently broke and fear April because of the bills I will not

be

> able to pay, scared and live alone with no one to help me.

> PLEASE.....be prepared!!!! Social Security Can take a long

time...for

> me it will be 1 yr. this April since I applied and I am still

waiting

> for a hearing.

> MY ADVICE .............PREPARE YOURSELF!!!! Start Today!

>

[Guest guest]

>

I My hubby is the bread winner. It would put a cap on his

> earnings too. I don't want that. I work at home and am in training to

> be a life coach. That's my answer. I don't want to depend on a flimsy

> government structure. I think it's wonderful we can apply and win

> though. If they would give it to me, It would be for the Depression a

> mental health check. I don't want that. Plus, I don't qualify because

> I pay child support, and owe some student loans.

>

I don't understand why you getting disability would put a cap on what

your husband earns! My husband is a state employee and what I am

getting has nothing to do with what he can or cannot earn, I have never

heard of anyone's spouse having a cap on their income!!! I have

several friends who receive disability and THAT has no effect on their

spouses earnings!

[Guest guest]

Owing student loans and paying child support have nothing to do with ssd or ssi

for that matter. Ssi would cap your husbands income because that is for

disability but has income guidelines. Ssd is insuranace based on your earnings.

If you have not met the earnings eligiblity you would not be eligible for it but

would be eligible for ssi. I am not eligable for ssi because of the proacyive

retirement options my husband and I have.

JudyMrt

---- wrote:

>

> >

> I My hubby is the bread winner. It would put a cap on his

> > earnings too. I don't want that. I work at home and am in training to

> > be a life coach. That's my answer. I don't want to depend on a flimsy

> > government structure. I think it's wonderful we can apply and win

> > though. If they would give it to me, It would be for the Depression a

> > mental health check. I don't want that. Plus, I don't qualify because

> > I pay child support, and owe some student loans.

> >

>

>

> I don't understand why you getting disability would put a cap on what

> your husband earns! My husband is a state employee and what I am

> getting has nothing to do with what he can or cannot earn, I have never

> heard of anyone's spouse having a cap on their income!!! I have

> several friends who receive disability and THAT has no effect on their

> spouses earnings!

>

>