Posts Tagged ‘social security income lottery’

It is sooo easy to play…and fun! …NOT!

Feeling lucky?

Feeling lucky?

First, become disabled as a result of sickness or injury.

The disability may be on the job or off, but must prevent you from being able to perform any substantially gainful ($33 dollars a day or more is considered gainful in 2009) employment. Your medical condition must significantly limit your ability to do basic work activities—such as walking, sitting and remembering—for at least one year. If it is determined that, due to your condition, you can no longer do work that you did before and Social Security determines that you cannot adjust to other work, including work that is not available in your locale, and your disability has lasted or is expected to last for at least one year or to result in death (although dying before being approved in most cases will disqualify you) then you may qualify for benefits.

Second, set an appointment with your local Social Security office to submit an application. The interview process, will take at least an hour. However, you may wait several hours to see a case manager, since in many locations they will not set appointments ahead of time. You will need to have a list of all doctors, clinics, etc. who have seen you. The SSA will request employment documentation for the last 10 years including the specific tasks you performed for each employer. If there are no delays requesting your medical records, or interviewing doctors or verifying employment information, or other required information, and if the local office does not require you to see another doctor, then your application may be processed within 3 to 5 months.

Once your application is considered complete and processed you will receive a notice of approval or denial (3 out of 4 applicants). If denied you may request a reconsideration at which time the process begins again but with a different reviewer assigned to your case. If denied again you may request to be heard by a Social Security Administrative law judge. Sixty-six percent of these cases are approved, but getting there is the long stretch. See Benefits Backlog Swells As Social Security Slims.

If you are fortunate enough to make it this far and get approved you are one of the few living recipients of the Social Security Disability Lottery. Actually to be more exact few in 2006 was over 6,630,000. Although I’m not sure if that number includes those who passed away before receiving their benefits. See He Died Before Disability Came.

That’s not to say the people at the Social Security Administration don’t work hard or that I or anyone else could do a better job than those in D.C., but just… maybe …we might want take our lunch to work one or two days a week and put a few dollars back for the 1 in 8 chance that we might become disabled before age 65.

If you never use the insurance consider yourself lucky! …and if you do use it, consider yourself lucky you had it!

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