This is a guest posting from Molly Clarke who writes for the U.S.A.
Social Security Disability Help blog.
John
Brain
Tumors and Social Security Disability Benefits
A brain tumor, like any serious
medical condition, can severely impact a person’s life. Because brain tumors
vary in size, shape, and location, people with brain tumors can be affected in
very different ways. Individuals with benign brain tumors may find that they
can continue to live as they always have, with little interference.
Unfortunately, more serious or malignant brain tumors can stop people in their
tracks and force them to put their lives on hold while they seek medical
treatment.
Patients who cannot work due to the
effects of a brain tumor may find that the resulting loss of income and lack of
medical insurance cause a significant financial burden. If you or a loved one
is facing these circumstances, you may qualify for assistance in the form of
Social Security Disability (SSD) benefits. The following article will provide
you with a general overview of the SSD program and will prepare you to begin
the application process.
What is a
Disability?
To qualify for SSD benefits, all
applicants must first meet the Social Security Administration’s (SSA)
definition of disabled. This includes meeting the following criteria:
·
Your condition prevents you from performing the job
that you typically do.
·
Your condition prevents you from adjusting to a
different job.
·
Your condition has lasted or is expected to last at
least one year or result in death.
If you do not meet these basic
requirements, you will not be approved for disability benefits. If you do meet
these requirements, you will also have to meet additional technical and medical
eligibility requirements.
Social
Security Disability Technical Eligibility Requirements
The SSA governs two separate
programs that offer SSD benefits—SSDI and SSI. As previously mentioned, all
applicants must meet certain technical requirements to qualify for disability
benefits. These technical requirements will depend on which disability program
you apply for.
·
SSDI stands for Social Security Disability Insurance.
This program is funded by the FICA
taxes that are deducted from most workers’ paychecks. Eligibility for SSDI is
based on an applicant’s work history. The SSA assigns “work credits” to each
quarter that an individual works and pays taxes. To qualify for SSDI, the SSA
requires a certain amount of work credits. Learn more about work credits and
qualifying for SSDI, here: http://www.disability-benefits-help.org/ssdi/qualify-for-ssdi.
·
SSI stands for Supplemental Security Income. SSI is
different from SSDI in that it does not require work credits to qualify.
Instead, SSI is a needs-based program, meaning that eligibility is determined
by strict financial limitations. SSI is often a good fit for disabled children
or adults with little income who do not meet the work credit requirements to
qualify for SSDI. Learn more about qualifying for SSI, here: http://www.disability-benefits-help.org/ssi/qualify-for-ssi.
It is important to note that SSI
and SSDI are not health insurance programs. After a two year waiting period,
SSDI recipients become eligible for Medicare and SSI recipients automatically
qualify for Medicaid. In some cases, an applicant may be eligible to receive
both SSI and SSDI.
Social
Security Administration’s Blue Book
In addition to meeting these
technical criteria, applicants must also meet certain medical criteria. To
determine the severity of an applicant’s condition, the SSA consults their
guidebook of disabling conditions commonly referred to as the blue book.
Although, benign brain tumors are
listed under section 11.05 of the blue book, this section states that benign
brain tumors are to be evaluated under listings of epilepsy, stroke, or other
affected body systems. This is because, depending on their size and location,
benign brain tumors can affect each person differently. It is important that
you meet with your doctor to discuss how your brain tumor affects you and which
blue book listing best covers your impairments.
Malignant brain tumors are
evaluated under section 13.13 of the SSA’s blue book. This section states that,
in order to qualify for SSD benefits, applicants with malignant brain tumors
must meet the following criteria:
·
The brain tumor must be classified as grade II or
higher under the World Health Organization classification of tumors of the
central nervous system.
·
The tumor is progressive or recurrent even after
receiving appropriate treatment.
·
The brain tumor has spread or metastasized to other
areas of the body.
The requirements listed above have
been summarized from the blue book listing. There are more specific
requirements based on the type of tumor you have. These can be found on the
SSA’s website.
More serious and life threatening
brain tumors may qualify an individual for processing under the Compassionate
Allowances (CAL) program. The CAL program allows individuals with particularly
severe disabilities to be approved for SSD in as little as ten days. Please
note that you do not have to fill out additional paperwork to receive CAL
processing. The SSA will evaluate your application and if you qualify, they
will expedite your claim accordingly.
Social
Security Disability Application Process
It is vital that you go into the
application process prepared with the necessary records and documentation.
These records include thorough medical documentation of your brain
tumor—records of your diagnosis, medical test results, hospitalizations,
treatments, and personal notes from your doctor. You should also be prepared to
provide records of your work history and financial standing.
Once you decide to begin the
application process, you can do so online at the SSA’s website or in person at
your local Social Security office. It is
important that you realize how long and stressful the SSD application process
may be. In fact, many initial applications are denied. If you yours is denied,
do not panic. You have the right to appeal the SSA’s decision.
Remember, SSD benefits exist to
help you. It is important to be persistent. Although it may not be easy to get
approved, it will be worth the hassle once you can focus on your health rather
than your financial distress.
Image credit: <a
href='http://www.123rf.com/photo_14055027_social-security-claim-approved-stamp-showing-social-unemployment-benefit-agreed.html'>stuartphoto
/ 123RF Stock Photo</a>