I would think your son with autism is receiving SSDI and that you are somewhat familiar with it.
Disclaimer: I am not on SSDI, although my state of health qualifies, for reasons that are my on.
Qualifying for SSDI has become much more restrictive since Susie’s/straydog’s initiation, so you would do well consulting with a long-term disability advising firm (such as Aflac) to provide you with real-time guidance. The numbers of individuals applying for SSDI (and SSI) has grown exponentially over the past 10-12 years. Simply put, the stream of applications is swamped.
Unless a person has a fast-track qualifying diagnosis (stage 4 cancer, ALS), a favorable ruling for SSDI needs to find a person unable to participate in ANY meaningful employment. A favorable SSDI ruling is not limited to a person’ s ability/inability to do their current job or line of work only. Ex. An appallet judge could rule that you have the capacity to answer a telephone as a receptionist as practical employment or that you can use voice activated computer transcript
ion in your current on-line education position.
MDJunction has an active Social Security Disability advice forum. There are posters there are wise and knowing. There are 2-3 separate Social Security Disability forums on MDJunction.
The “advice” forum would probably be the better fit for you in giving you technical and practical information.
Be aware that the process for SSDI is averaging 22-25 months in most parts of the country. SSDI is not something that is granted quickly unless you have a fast-track, immediate qualifying diagnosis (stage IV cancer, Lou Gehrig’s Disease as examples).
If I were you and seriously needing income, I would look for an outside long-term disability consulting firm (such as Aflac) or a disability attorney to give you initial vetting advice and guidance.
Do you have short term disability or long term disability options through your current on-line education employer? You mention that you have great medical insurance through the on-line education employer. What other benefits are you eligible for as an employee? As you have been with this employer for 20 years, coupled with your ongoing health issues, I would have thought that you would have signed for employer-provided STD and/or LTD. You would have signed on for STD/LTD during annual the
open enrollment period. Premiums would have then be deducted from your paycheck depending on the coverage you selected.
I think you will (unfortunately) find that the current SSDI process is more complicated and limited than you may be expecting. The system in the here-and-now is swamped and overwhelmed. My opinion: You will need real-time advice from a guidance LTD firm or disability attorney who is involved in the intricacies of the application and approval process as it exists today.
Post Edited ((Seashell)) : 11/5/2018 7:42:02 AM (GMT-7)