Finally !!! I will be getting some $$$ help.

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GotOldEarly

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After filing for Social Security Disability nearly 3.5 years ago I have had my 2nd and final hearing.  The Judge decided in my favor (YEA !!!   :) :D :p ) and I should see my first payment in about 2 months.  Unfortunately, the Judge would not recognize the entire period of 3.5 years, since I originally filed, when determining my back pay.  He approved onset date (start date) of Jan. 1st 2018.  Then 5 months is subtracted from that for the "Standard Wait Period".  The net outcome of the whole, way too long, big mess is that my back pay will very nearly all be consumed to settle all my attorney commission and fees leaving little back pay money for me.  That really does not bother me to much as I will have income going forward that I have been surviving without for the past 3.5 years.

Unfortunately, I will not have medical insurance provided by Medicare/Medicaid because I did have health insurance coverage 3.5 years ago when the original filing was made.  I can get it in the future but there is a 30 month waiting period before I can apply for that.  So, if I am still around on July 1st, 2020 I will then be able to get it.  I've been doing without medical insurance for approx. the past 3 years, so what's another 20 months?  At least I will have some income to help cover expenses in the meantime.

There are so many twists and turns involved in this process, many are by design, it ends up being so much more complicated than it really seems it should be.

I do have some advice for others seeking SSDI or considering it.
  1)  Get a good solid law firm working for you.  Mine specialized in Social Security claims.
  2)  Be sure you have no health insurance coverage when you file so you have a shot at Medicare/Medicaid also.
  3)  Talk to as many people as you can that have successfully completed the process.  Learn from their mistakes.
  4)  Get your documentation straight.  Work history, conversation notes, copy all documentation submitted and date everything.
           (Remember the details of things that were said and done, sometimes years ago, can be a challenge).
  5)  Stay positive and try to do something each day to keep the very slow federal ball moving forward.
  5)  Hope and pray that you get a good Judge assigned to your claim.
            (My lawyer told me there was little to no hope when the 2nd to the worst possible Judges was assigned to mine.)

It is not an easy process.  It is not intended to be an easy process.

I hope that anyone filling for SSDI or planning to has a better experience than I did and that they are victorious as well.
 
Congratulations!!! Even though it took too long and you're not getting everything you should. There's still some relief in knowing you'll have an income in the future.
 
I'm so glad to hear you've gotten through it.

I went through it recently myself, though on the SSI side.

Anyway, Congratulations!
 
Congrats.

I did not get an attorney and was approved in four months. Every claim is different. Personally I wouldn’t get an attorney until the first denial. I was meticulous about my paperwork. I got copies of all my medical records and submitted it to SS. I got letters from my doctor and former boss about my impairments. I dotted the i’s and crossed the t’s. And I got it done all by myself.

I would have, however, gotten an attorney if I had been denied.

Again, congrats.


Oh, and while I was waiting for Medicare to kick in I had a tiny heart attack of some sort. $40k hospital bill put me into bankruptcy. Life sure has twists and turns. Take good care of yourself while uninsured. I wish you all the best!


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GotOldEarly said:
After filing for Social Security Disability nearly 3.5 years ago I have had my 2nd and final hearing.  The Judge decided in my favor (YEA !!!   :) :D :p )

Unfortunately, I will not have medical insurance provided by Medicare/Medicaid because I did have health insurance coverage 3.5 years ago when the original filing was made.  I can get it in the future but there is a 30 month waiting period before I can apply for that.  So, if I am still around on July 1st, 2020 I will then be able to get it.  I've been doing without medical insurance for approx. the past 3 years, so what's another 20 months?  At least I will have some income to help cover expenses in the meantime.
Not sure who gave you that info on Medicare, but you should be eligible next year simply because you will be on SSDI. I believe it is an automatic. At least it was for me and I had insurance thru my previous employer.  I did not use an attorney, I went with Allsup.com. I was referred by a friend. They do everything! I didn't have to provide a thing. They worked closely with social security and just let me know how things were going. They got all my medical records, made calls, etc.  I got denied the first time, which is common, they appealed and all was completed in 1 1/2 yrs.
 
Thanks to everyone for your input ands support.  It is much appreciated.

Granted everyone's situation is a bit different.  Mine was fairly complicated mostly because there was not one specific health condition that would drive the claim through but it really required a look at all issues combined.  I am in Florida and it took me nearly 3 years to get the 1st hearing.  Guess there are to many old farts down here.  Not sure if my age was a factor.  I am now 59.

The info. on Medicare came directly from the Judge
 
I just looked it up and it states:   "[font=Roboto, arial, sans-serif]The first [/font][font=Roboto, arial, sans-serif]24 months[/font][font=Roboto, arial, sans-serif] of disability benefit entitlement is the waiting period for Medicare coverage."[/font]
[font=Roboto, arial, sans-serif]So, 01/01/2020 is my date for Medicare.  Thanks for making look into it.  That is 6 months earlier than what I was told.[/font]
 
I find it aggravating that you had to wait so long and were denied a good back payment. Glad you're getting an income going forward, but so disappointed that our country didn't do more to help you, sooner.

What about Medicaid? For a few months I got Medicaid and it was easy to get on and paid my Medicare premium.

Some states didn't expand the Medicaid program to help people your age, but about half the states did.

Since I no longer qualify for Medicaid I'm back to paying the mandatory $134/mo for Medicare out of my Social Security check. Will they make you pay that from your SSDI? If you're on Medicaid they'll pay it for you.
 
Yes, 3 years is a long time to not be able to see the specialist I have been referred to. But it was all I could do to afford the Rx that have kept me alive since 2007.  The family has grow tired of my being dependent upon them.  It caused many problems.  

I'm not certain but my understanding is that SSDI = Medicare and SSI = Medicaid.

My plan is, once I receive the letter stating the Judge's decision I am going to take it to the Social Security Office, grab a number, and visit with until I have solid answer to several questions I am formulating.
 
Medicaid comes from the county welfare department. If your state doesn't provide it for someone your age, move to a different state, as about half of them will.

Do some research... if you're low income it is a very helpful program.
 
GotOldEarly said:
My plan is, once I receive the letter stating the Judge's decision I am going to take it to the Social Security Office, grab a number, and visit with until I have solid answer to several questions I am formulating.

It is a good idea to setup an appointment with them.  You won't have to wait nearly as long.  I setup one for my wife and we were seated within 10 minutes.
 
I make about $500 a year too much to qualify for Medicaid (MediCal here in California). I wish I could get it. SS has a program called “extra help” to assist with paying for prescriptions. I was on that for a while, but got kicked off for selling my house and buying a travel trailer to live in. I had $26,000 in my bank for two days, from the proceeds of selling my house. I used that money to buy my TT. SS kicked me off of the program because I didn’t declare my “windfall” from the house sale. So if you get on a program, know all the rules, or get burned.




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Thanks again everyone for all the good info.  Why must it all be so complicated?

Must be careful what we do, they are always watching  ;) .
 
Congratulations! I also went through that painful and arduous process. At that time, I had to be rejected from regular insurance in order to get Medicare. That was pre-Obamacare. Had no trouble being rejected as I have a bunch of expensive medical conditions. I'm shocked that they handed you such a long wait period! Is it possible to appeal that decision? Seems ridiculous to approve you for disability and then not give you insurance.

The Dire Wolfess
 
Thank you, Dire Wolfess, I’ve been thinking the same thing.

I’ve never heard of that kind of wait period, but with a personal attorney involved one would hope that decisions made are in compliance with laws and individual rights.

I would scout out free or low cost clinics in your area, and a hospital that has Hill-Burton funding in the event you have an emergency that requires hospitalization.

https://www.hrsa.gov/get-health-care/affordable/hill-burton/index.html

I also second the suggestion by travelaround to look into Medicaid.

Good luck.
 
It was 18 months from when I stopped working, and was approved for SSDI, until I got Medicare. That’s how it works. Don’t like it? Vote the bastards out! It is our money, we pay into social security and Medicare. They aren’t entitlements.

During the time I had no job and no insurance I ended up in the hospital for a tiny heart attack. $40k hospital bill put me into bankruptcy. It sucked.




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The insurance/medical/health coverage is on the top of my list of things to get specific answers to.  When I find out I will share the info. for my particular situation and location.

The communications on this is awesome and may be very useful to others out there trying to navigate all the twists and turns involved in getting help.  It is shameful that our government does not have a One-Stop resource for its citizens to go to where their specific situation can be considered and their options be provided.  (If one exists I have not found it yet.)  Some of the fault is federal, some of it is state, and some of it is local government.  God forbid the 3 should work together to provide viable assistance to their citizens in need that have paid into the system (heavily) for many, many years.  I have worked solid from the age of 14.5 and paid into the system for over 40 years.  When I could not work any longer I had no clue where to look for help and no one that could advise me.

I have plenty of time on my hands these days and am on a mission to get the answers.  Its just not something I ever thought about in my earlier years.  I always been a work harder and smarter to get what you needed kind of guy until I was no longer able.  I spent some time in denial not wanting to believe that I could no longer provide.  Now it is what it is and I plan to make the best of the time I have left.

Does the forum have a section specifically for Disability and Social Security stuff?  If not, it should.  We likely have others out there with similar circumstances that may not see this thread.

Thanks for all the discussion.  Wish you all the best ....
 
I did a disabled Nomad meet and greet last year in my camp during the RTR. I juggle my disability benefits, medical appointments and medications , while a full time Nomad. I passed along all I knew to those that attended. Those who attended also shared what they knew. We all brainstormed problems folks had or were concerned about. I thought it was very beneficial.

No idea if it will happen for the 2019 RTR.


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Sounds great. Well done.  I'm still trying to figure out what I will do re. the RTR this year.  I'd love to go but am having difficulties getting a setup that will work for me.  I was planning to start by camping in my 4Runner but I am not flexible enough to make that work well.  Will likely being using the 4Runner and tent camping.  I am 6'1" and being able to stand is a necessity for me.  I wanted to attend the Van Build also but there is just no way I can have things settled and the vehicle ready in time.
 
Happy this is over and in your favor. Time to move forward now for you :)
 
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