In light of the recently proposed changes to the social security disabilities criteria for lung diseases and thus CF, I welcomed Molly's words in hopes to gather more information for myself and hopefully allow my readers to gain more knowledge. I've personally gone thru the process of qualifying for SSI and SSDI, so I understand how overwhelming the process the can seem. Having someone you know by name during the process rather than whomever ends up on the other end of the phone call can make this process slightly less daunting.
Below is Molly's contribution to Illness Inspired Words and the first guest blogger post to date!! Find out what Molly has to say.......
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Receiving Disability Benefits When Living With Cystic Fibrosis
Cystic fibrosis is often diagnosed at
an early age and, although it affects children, symptoms typically worsen over
time and cause more severe impairment later on in life. As your cystic fibrosis
progresses, you may find that you are no longer able to work. At that point,
lack of income and discontinued health insurance may cause significant
financial stress.
The Social Security Administration
(SSA) recognizes that certain health conditions and disabilities make it
impossible for people to continue to work. For this reason, the SSA offers
Social Security Disability benefits to provide financial support to sick or
disabled individuals who are unable to earn a living.
If you are interested in learning more
about Social Security Disability benefits, the following article will give you
a brief overview of the system and will provide you with a basic understanding
of everything you need to begin the application process.
Social Security Disability Benefit Programs
The Social Security Administration
(SSA) provides two different types of disability assistance. The first type is
called Social Security Disability Insurance—or SSDI. SSDI is funded by Social
Security income taxes that are paid into the system by workers across the
country. Eligibility for SSDI is determined by an applicant’s work history. The
SSA assigns a certain number of “work credits” to each applicant to determine
whether or not they qualify for SSDI. Learn more about SSDI and work credits
here: http://www.disability-benefits-help.org/ssdi/qualify-for-ssdi.
The second type of disability assistance
is known as Supplemental Security Income (SSI). This program provides financial
assistance to elderly or disabled individuals who have very little income. To qualify for SSI, only an
individual’s finances are analyzed.
Young applicants or applicants who have little work history often turn
to SSI if they do not have enough work credits to qualify for SSDI. Learn more
about qualifying for SSI here: http://www.disability-benefits-help.org/ssi/qualify-for-ssi.
It is important to note that in some
circumstances, applicants may be eligible to receive both SSI and SSDI.
Qualifying for Disability Benefits
In addition to meeting the technical
requirements mentioned above, you must also be able to prove to the SSA that
your cystic fibrosis symptoms are severe enough to keep you from working.
To determine whether or not an
applicant medically qualifies for disability benefits, the SSA consults an
official manual of disabling conditions known as the blue book.
Cystic fibrosis is listed is listed
under section 3.04 of the blue book. According to this listing, you must meet
the following criteria in order to qualify for benefits from either program:
· Trouble Breathing
– Breathing tests must show that you are experiencing
significant difficulty breathing for someone of your height.
· Lung Problems – Cystic fibrosis has caused you to repeatedly cough up blood, or
has resulted in recurrent episodes of pneumonia, bronchitis, or respiratory
failure that require medical treatment.
· Chronic
Infections – At least every six months you
experience lung infections that require antibacterial medical attention.
If you do not meet any of the specific
qualifications listed in the Blue Book, you can still be approved for disability
benefits if you provide medical evidence that demonstrates that cystic fibrosis
significantly limits your ability to function.
The Application Process
To begin the application process you
can visit the SSA’s website or make an appointment to fill out the necessary
paperwork in person at your local Social Security office.
It is important to note that you will
need to submit many different types of records along with your application.
These records include accurate financial information, a history of your
treatments and hospitalizations, lab reports and examination findings, letters
of recommendation from your physicians, as well as any other relevant
documentation. The more thorough and prepared you are before submitting your
application, the higher your chances will be of receiving an approval.
Even if you meet all of the medical
and technical eligibility criteria, the application process can be a long and
challenging experience. In fact, the SSA rejects the majority of the applications
they receive each year. If you are
feeling overwhelmed or intimidated by the application procedures, it may be in
your best interest to work with a qualified Social Security Disability
attorney. He or she will have a thorough understanding of the application
process and will make sure that your application contains all the necessary
information.
Remember, even if your initial
application is denied, it is important that you don’t give up on your pursuit
of disability benefits. Although the application process is often difficult,
Social Security Disability benefits exist to help you. Once you are awarded
benefits, you will be able to focus on your health, rather than your financial
struggles.
For more information about Social
Security Disability benefits, visit Social Security Disability Help or contact
Molly Clarke at mac@ssd-help.org.
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I always welcome questions and will offer as much advise from my personal journey with SSI & SSDI as I can, but for legal or technical questions you really should reach out to Molly. She'll know how to steer you in the right direction to get the help you need.
~Doodlin'