posted
I am going on disability as soon as I sell my home but we are in a soft market and I have very little equity. I may just lose it all together bacause I am so incredibly tired!! Can one get Medicare at any age? I see a lot of people on Medicare here and just wondering if they are all over that golden age or if there is a way to get medicare if you are any age. I am 32. Please let me know.
-------------------- HopeandMe Posts: 61 | From Maryland | Registered: Feb 2006
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AZURE WISH
Frequent Contributor (1K+ posts)
Member # 804
posted
After you are on disability for about three years then you qualify for medicare.
You do still have to pay the 20% unless you qualify for medicaid.
When did you file. It usually takes awhile to get. I got a lawyer. I never could have done all the paperwork and gathering records as sick as I am. Some people can and do though.
Aniek
Frequent Contributor (1K+ posts)
Member # 5374
posted
Hope,
I noticed in your profile you live in Maryland. Below is a link to Maryland Medical Assistance, the state sponsored health programs. Look at the website and call them with any questions you have. You might be eligible for a state program.
I am not on disability yet but need to be. I feel like I am on my death bed today. The insurance company cut me off of my IV antibiotics. I have private disability which I will file for as soon as I sell my house if I do.
Thanks for the links in my state for medical assistance. In my state only the bad doctirs take medical assistance so I worry about my children.
Thanks again!
-------------------- HopeandMe Posts: 61 | From Maryland | Registered: Feb 2006
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Aniek
Frequent Contributor (1K+ posts)
Member # 5374
posted
Hope,
Check on medical assistance before selling your house. They might have some advice on financial assets, like transfering things into your children's names so it is not part of your income.
Also, the coverage for children is often better than for adults. So more doctors may accept that. Your LLMD may also have advice, since I know you are not alone in your situation.
-------------------- "When there is pain, there are no words." - Toni Morrison Posts: 4711 | From Washington, DC | Registered: Mar 2004
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bettyg
Unregistered
posted
my personal experience & a wonderful web site to help you win without a lawyer.....
IF YOU ARE TRYING TO GET SS DISABILITY INSURANCE BENEFITS
Hi! I know what you mean about memory & typing, etc....it's the pits!
I do suggest you join the FREE DISINISSUES and read thoroughly or just print it all off of the FEMALE MD with chronic fatigue, etc. she gives wonderful, detailed examples that DDS, disability reps, want to approve/deny you.
Also have you looked thru the ADULT APPROVED LIST OF IMPAIRMENTS? That's critical also!
note 1.04; look at the rest of the 14 other specific areas too....
I printed off 1-14 sections showing what brief guidelines were for each section. I used that against ALL my medical reocrds, 3" thick!! Then I went to their DETAILED specifics for the sections that applied to my illnesses!
TIMECONSUMING....TOOK ALL 7 WEEKS from my notice of my ALJ hearing date!
So you have NOT submitted your INITIAL APP TO SS OFFICE, correct? Good, you want this to be as complete as possible so they can NOT turn you down on the 1st step as they do us all!!
What I did with an online friend was this: prepared a chart noting the specific section of 1 - 14 that my diagnosed illnesses showed the wording, dr. seen & date.
Example, 14.09 LYME disease is mentioned in but doesn't give any examples. So I showed 14.09 with my drs. name & date plus specific details about each visit where lyme symptoms were stated..
I hope you have a copy of ALL MEDICAL REPORTS...drs., xrays, all blood labs.
It's critical that you KEEP A COPY FOR YOURSELF! ***********************************************
On mine, I showed the date mailed to ALJ & LAWYER PLUS I kept a copy. Then I went to copy center nearby & copied and mailed promptly to lawyer per his request.
WHY THIS IS IMPORTANT: if you have an ALJ hearing, request thru your local SS office to REVIEW your complete SSDI app at THEIR local office!
When you see things you submitted with your writing on, don't look at them!
Look & read only the secretative RFC & MFC done by the the in-staff DDS DRS/PSYCHOOGISTS! You want to make copies of ALL the stuff they have & other stuff you don't have so you can use that info against them!
ACTIVITY DAILY LOG, ADL link is: http://f4.grp.yahoofs.com/v1/oHfvQzZLYvcfvmUv V4L_ayW4_l5PFECbH9UA2BR_YfE66JZ0ZSxttbcO7NZqu HpjUfnUxG9wWuH7WPXAzrR7YqCnrsO80V5hSxJwduQ/ Activities%20of%20Daily%20Living%20questionnaire
At moment, can NOT find MFC questionnaire, but look at site on links/files. It is there but not visible to my eyes presently.
NOTE: I'D DO THIS DIFFERENTLY NOW! SEND 1 COPY TO ALJ and 1 to your lawyer! Lawyer did NOT SEND MY REPORTS TO DDS STAFF PROMPTLY; they didn't see many things when they denied me although I had good medical info!
Examples, 2 RFC, residual function capacity done by PCP dr. of 26 yrs. & rheumatologist;
plus 2 MFC, mental function capacity, done by psychiatrist & psychologist.... the 1st person was the one judge used in APPROVING my 2nd claim for severe depression/effective disorder & anxiety.
ALJ's don't like working with LYME, FIBRO, CHRONIC FATIGUE.
MENTAL is on approved list of adult approved impairment list! So don't fight it, go with it!
IF YOU ARE TRYING TO GET SS DISABILITY INSURANCE BENEFITS
This message is sent upon subscription, and again monthly. Please let the moderators know if any of the links have changed.
BETTY NOTE: Look at the female MD's DETAILED BACKGROUND right below this paragraph. Print off her detailed responses as to why she could NOT do her job, and then apply that to YOUR own job as to why you no longer can do any type of sustainable work now nor in the foreseeable future!
These links are a compilation of several areas of interest which are commonly requested and mentioned. They reflect the collected wisdom of this group. Check them out - you just might find the information you were looking for! Take a look at Files that are not specific to your situation, because they might be helpful anyway - what works for Social Security may work for LTD claims, what applies to CFS may apply to your medical condition.
The Welcome Message and Group Guidelines are also in Files, if you need a refresher on how this group works.
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An online friend of mine from disinissues web site posted this info today, so I have copied it over here.
Subject: fibro/CFS disability info [Disinissues] what does an Functional Capacity Exam entail?
Lyme, fibro, & CFS support group members who are/will be filing for SS Disability insurance benefits, please go to the web page shown below.
There were 9 pages of info I printed below area where you can order from fibro network a 70 page packet. I too plan on including this info when I send my FINAL packet of info to chief alj before my June 16, 05 hearing...my last chance!
Please read the site mentioned on: WHY DISABILITY TESTING FOR FMS IS OFTEN MISLEADING ADVICE FOR FM/CFS PATIENTS AND THEIR DISABILITY TEAM.....
Also after this article are the following articles:
WHAT COULD BE CAUSING DELAYED-PHASE FLARES?
BENNETT'S METHOD FOR ASSESSING FUNCTION IN FMS..
TECTONIC CHANGES IN DISABILITY LAW by lawyer Joshua Potter, CALIF.
MEDICALLY DETERMINABLE IMPAIRMENT REQUIREMENTS FOR CFS & FMS
DOCUMENTIONATION...VIEW IT AS AN INSURANCE POLICY
I printed this out in larger print for my eyes....9 pages! Will read it thoroughly
and mark up 2nd copy to go to ALJudge for my 2nd hearing as medical evidence also.
posted
Wow BettyG- The process seems quite overwhelming and a little scary. I am applying with private disability before social security. I hope they won't be as tough. I will use all of your advice to apply. There is so much to fill out. How do they expect one with no energy to fill this out? I guess it is good for them because they wont have to pay if it is not done or not done correctly.
Thanks again! Hope
-------------------- HopeandMe Posts: 61 | From Maryland | Registered: Feb 2006
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bettyg
Unregistered
posted
Hope, may I suggest you edit/pencil icon your topic line to: SSDI, LTD help needed. Then with ALL the info various members like me have included, when someone does a SEARCH on those topics, this post will show up for them to read. Otherwise, with the title as is; it will NOT show up for SSDI or LTD purposes.
Thanks for changing. You also get more replies the more SPECIFIC you are on topic lines too.
Hope, it IS overwhelming; SS hopes you will quit early on and sends redundant paper over & over to you!
LTD is worse from what I've read online at disinissues; there is a lot of spying that goes on with that program.
Not trying to scare you ... these are just the facts mam... You've got to be really mad to go ahead & thru all this BS.
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