Your monthly SSDI benefits will be half of what you're making. And your children will be eligible for half of that until they graduate from high school, then it will stop, unless SSA finds them disabled. You need to start changint your life style now because it doesn't happen over night.
Very few drs know what SSA needs for disability. And many of them will tell you flat out that they don't do anything that has to do with disability. Basically all the dr has to do is keep good detailed notes of your visits. Any forms or letters a dr may do must be backed up by medical records. You will have to do a lot of the work. Even if/when you get an attorney, it will still be up to you ro be sure that your dr keeps good notes. You also have to tell your dr the details, at every visit. For example, if you have medication side effects and you only mention them one time and/or the dr only writes them down one time, there is no proof that they continue. Know what mean ? That is why yo uneed to get copies of your medical records before you file to see exactly what they say. SSA makes their decision based on medical and non medical evidence. Your word alone isn't enough. If you say that one of the side effects of medication is that you can't drive, but you don't say anything about
who helps you with your errands and your children, it can be viewed as being inconsistent. After you submit your application, you will be sent forms to fill ouy. For example, Activities if daily living, things like bathing, dressing, preparing quick meals, etc. You need to be sure that what you tell your dr and what he writes down is consistent with what you put on your application and the forms.
Once approved for SSDI, there is a 5 months waiting period for benefits. Although for those who go to the ALJ level there is usually backpay for the 5 months isn't felt like it would be if approved at the initial stage. For Medicare, there is the 5 month waiting period + 24 months. Your premiums will automatically come out of your monthly benefits. By the way, your children Do Not receive any insurance coverage. Depending on your total household income, the children may be eligible for Medicaid. If the income is low enough, you may be able to receive help woth your Medicare Premiums through Medicaid also.
Post Edited (Mercy&Grace) : 12/26/2014 8:41:05 PM (GMT-7)