I applied for what
we call SSDI (not SSI) after my wife's injury in 1991. SSI is
means-tested and supplements low income. SSDI is like retirement
and is based on income. Most long-term disability plans require
you to apply. Karen had been employed for some time and had LTD;
we learned the importance of that coverage after her first TBI
in 1980. The criterion for permanance is that the disability has
lasted longer than six months and can reasonably be expected to
last beyond 12 months; yes, you can cease to be permanently disabled
if you get better after that first six months.
Stewart On Social Security
"To all who are in the acute phase
of their survivor's recovery I offer Stewart's Practical Rule
for Social Security: Apply on day one. It takes a lot of work
to start it; and if you're lucky enough not to need it, it is
effortless to stop it."
We applied within a
few weeks of the accident, and the state agency did its evaluation
about four months post-injury. They found Karen disabled without
any fuss, and we got a letter from Social Security that said she
would receive benefits beginning six months after the accident.
Stewart C. O'Dell
can be found from HDI Publishers who publish a helpful brochure
entitled Social Security Benefits for Persons with Traumatic
Copies of this pamphlet can be ordered
by calling 1-800-321-7037.
Below is the
link for the United States Government Page on Social Security.
For new users; clicking below will exit this site, to return,
Attorney Gordon S. Johnson, Jr.
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