Social Security Disability Insurance (SSDI)

Welcome back! This blog provides financial resources and information for people living with cancer. In this post, I want to focus on Social Security Disability Insurance (SSDI) and how it can help during your cancer journey.

Before we get started, I want to point out that the application process for SSDI requires time. It may be a good long-term goal, but do not expect a rapid determination/income with this benefit. Claims often take 3-6 months for review. SSDI requires that you have been “disabled” for six months to be eligible for benefits, so you have a few months to decide if this benefit is right for you.

What is SSDI?

SSDI is part of the Social Security program, which offers protection to people who have paid Social Security taxes through their jobs. However, this program is different from other forms of Social Security benefits. SSDI provides financial assistance to people who are “totally disabled” and unable to continue working. To qualify for SSDI, you need to have worked for a certain period and paid Social Security taxes.

Unlike Supplemental Security Income (SSI), which is based on income and is available to people with disabilities and low income, SSDI benefits depend on your work history. The amount of money you receive monthly is based on the amount of taxes you paid into the system during your working years. The SSA uses a formula to determine your payment amount.

Am I Eligible for SSDI?

Eligibility for SSDI is determined by two factors: your work history and the severity of your disability. To be eligible, you must meet certain conditions outlined by the SSA. First, you must have worked in jobs where you paid Social Security taxes. This typically means you’ve worked for a certain number of years and earned a specific number of credits based on your earnings. Second, your disability must be considered “severe” under Social Security’s guidelines.

The SSA has strict rules when it comes to determining whether your disability qualifies. Generally, you must have a condition that is expected to last at least one year or result in death. The SSA does not cover temporary conditions like a broken leg or a short-term illness. They focus on long-term, life-altering disabilities that prevent you from working. If you meet both the work history and disability criteria, you may qualify for SSDI.

Are People Living with Cancer Eligible for SSDI?

Yes, people living with cancer can qualify for SSDI. Social Security pays benefits to individuals who cannot work “because they have a medical condition that is expected to last at least one year or result in death.” This applies to cancer patients, especially those dealing with metastatic cancer (cancer that has spread to other parts of the body). If you are undergoing long-term treatment or experiencing serious side effects, you may qualify for SSDI benefits.

However, cancer patients must provide medical evidence to show that their condition significantly limits their ability to work. If you are undergoing treatment that may last for more than one year, you may be eligible for benefits. Additionally, if you are dealing with long-term side effects from cancer treatment, such as fatigue, pain, or other complications, you may also qualify, though this can be harder to prove.

Before applying for SSDI, it’s important to talk to your cancer treatment team. They can help you understand how long your treatment is expected to last and whether it’s realistic for you to return to work. Having an open discussion about your condition is difficult but necessary. By being honest with your doctors, you can get the support you need to move forward.

Health Insurance and SSDI

One important thing to understand about SSDI is that while the name includes “insurance,” qualifying for SSDI does not automatically mean you will receive health insurance. When you start receiving SSDI benefits, you will not get health coverage immediately. You will qualify for Medicare coverage after you’ve been on disability benefits for two years.

In the meantime, you may need to find other options for health insurance. One possibility is paying for COBRA, which allows you to continue your employer’s health coverage for a limited time. If you qualify for SSDI, you may be eligible for an extension of your COBRA benefits. However, this can be expensive.

Other options include health insurance through a spouse’s plan or applying for state Medicaid. If you live in the United States, you may also want to explore the Health Insurance Marketplace. The Marketplace offers insurance plans that you can buy, and you might qualify for special enrollment based on your SSDI status.

Final Thoughts on SSDI

Applying for SSDI can be a complicated process, but it’s important to know that there are resources available to help. If you believe you qualify, the SSA provides clear guidelines on how to apply. Make sure to gather all necessary medical documents and work history information to support your application. It can be helpful to talk to a legal expert or financial advisor to guide you through the process.

Remember, SSDI is meant to provide a safety net for those who are severely disabled and can no longer work. While it does not replace full income, it can offer much-needed financial support. If you’re unsure about your eligibility, consider contacting the SSA directly or working with your healthcare team for assistance.

By staying informed and proactive, you can better navigate the SSDI process and access the benefits that may help you during a challenging time.

How to apply for SSDI?

You can apply for SSDI online at Apply Online for Disability Benefits (ssa.gov), by phone at 1-800-772-1213, or by visiting your local social security office. Many offices are operating on limited hours during this time of social distancing, so make an appointment before you go. You can find your local office at Field Office Locator | SSA

For More Information:

Benefits for People with Disabilities (ssa.gov)

Disability Benefits – EN-05-10029 (ssa.gov)

COBRA Continuation Coverage Questions and Answers | CMS

Planning For Your Survivors | SSA

 

I hope this information is helpful.  If you would like to continue this conversation, please click on the Subscribe button at the top of the Blog page. I would love to hear your comments as well as resources that have worked for you. Please share this information with your family and friends.

Keeping you in my prayers,

Jackie