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Author Topic: What should I do?  (Read 900 times)

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Offline Trace67

  • Member
  • Posts: 37
  • Live, Love, Laugh!
What should I do?
« on: August 06, 2008, 11:13:53 AM »
Hi everyone-

I'm a new member here and have recently been faced with a dilemma. I was recently approved for SSDI and that will begin in December(the actual payments). I was very fortunate and was actually approved the first time in 2 1/2 months. I will also be receiving near the maximum you can receive for disability in Texas as I have been working since I was 15 and I am now almost 42.! I am currently waiting to hear from my private insurance company(AETNA) regarding the approval of my LTD claim.
I was terminated from my previous job (19 years) in May. I speculate due to sick call, etc as I have been ill for the last 5-6 months and decided that now may be the time to apply for some of these benefits as it might be helpful for me to take some "down time" to get better and feel better.
My question is: Should I actually go on SSDI in December: Also, if I am not awarded LTD, finances might be a little tight so what should I do then?Should I just looking for another full-time job even though I don't know if physically and mentally I can deal with it!
I do have a roommate that helps pay the mortgage, and I also have a small business that allows me to make up to the $900 SSDI cutoff. but I have never been in this position before so any advice would be greatly appreciated!

Thanks-

Tracy in Texas

Offline 100proofBrandy

  • Member
  • Posts: 71
Re: What should I do?
« Reply #1 on: August 06, 2008, 11:31:42 AM »
Tracy,
first welcome:) I understand you position I myself went on ssi for the first few years I was sick it helped allot that the time but now I'm well enough to work Ive been off ssi for 4 years and am back in school. so what I did was while I needed it I was on it and when I knew I could and able to go back to work I did. so what I'm saying is if you need it so you can get well and back on your feet then that's what you should do. you need to take care of yourself and get your self healthy again :) then worry about going back to work :)
Love Brandy
The person you educate today maybe the one you save tomorrow :)

Offline allopathicholistic

  • Member
  • Posts: 3,258
Re: What should I do?
« Reply #2 on: August 06, 2008, 11:47:42 AM »
Hi Trace. There's no way to delay the start of your first SSDI check. It starts 5 months after your "onset" date. Your onset date is determined by the Social Security Administration and is based on the "alleged" onset date initially given by you to the Social Security Administration. Most of the time the alleged onset date and the official onset date are exactly the same. There are exceptions. Using myself as an example, if I want to work while receiving SSDI, I am required to follow their many rules, which includes a set waiting period that begins after my onset date during which I can not work. If you're subject to the same rules (I don't know if you are or aren't), then you need to find out a bunch of things, e.g., how long (i.e., how many months) the waiting period is before you can earn even a single dollar. Remember to write down dates and times in your personal notes on each activity you are doing and each activity you are thinking of doing. And if I can be Captain Obvious for a minute, just a general reminder (not to you Trace, since your SSDI case already has approval) that an applicant is not allowed to work while his/her case is going through the SSDI decision process. If anyone sees anything erroneous in what I've written, please  jump in and correct it.

 


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