Social Security Questions and Answers
Comments
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Steven - regarding AC, I just finished DD x 4 (along with 3 of 4 DD Taxols...1 to go). A word of caution about constipation...I never had it one time. As a matter of fact, my stools have remained "loose" throughout treatment. So I would caution your wife to "test the waters" before taking an anti-constipation med that might turn things in the other direction. Diarrhea can cause dehydration which would be another whole can of ugly worms.
I had Neulasta after each treatment and never got bone pain. Not once did I need to take even a Tylenol during AC. I used Claritin the morning of the shot and for 4 days afterwards. I have osteoarthritis and take a daily anti-inflammatory, which may explain why I never needed any additional pain management. Again, she may have to experiment with what works for her.
After the first AC treatment I started getting cold sores (herpes simplex) on my lips and in my mouth. My oncologist immediately prescribed generic Valtrex 2x daily and I never had a problem again. I will stay on this med for a few months after chemo as I have a tendency toward outbreaks any time my body is under stress.
My anti-nausea meds were Aloxi, Emend, a minimal dose of Decadron (6 mg) and a scopolamine patch. I had compazine and ativan for breakthrough nausea and I may have taken a total of 10 pills throughout all of AC. Small, frequent meals seemed to work the best for me. If I got too hungry, I felt nauseous. Kinda like morning sickness, to be honest.
I developed heartburn/reflux pretty soon after starting chemo. I started taking generic Prilosec 20 mg each evening and that kept it at bay, along with avoiding the foods that seemed to trigger discomfort. I have had to cut way back on carbonated beverages, which I normally love, because it just doesn't sit well. I'm looking forward to actually "enjoying" a Diet Coke!
And most importantly, I drank at least 96 ounces every single day. It doesn't matter what it is, and it can include juicy foods - watermelon, grapes, soups, you name it. Whatever tastes good is what I eat or drink. I was also administered an hour of hydration along with my pre-meds prior to infusions.
So, in case you haven't figured it out yet, there is a pill for everything except hair loss and fatigue! I am feeling like a chemical waste dump right at the moment. But I know it's temporary and I look forward to not ingesting all these things to offset chemo SEs.
Best of luck to you and your wife,
Michelle
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Hi Steven ,
I didn't get the opportunity to thank you for your reply to my post , i really appreciate , i just read the post about your wife , hope she is doing better , I really pray you will get a good respond , just wanted to ask you one more question , if i am not eligible for SSI because i am not a citizen etc and if i apply for CAPI , does my husbands income also count as "income" ? I am a greencard holder and it was through employment sponsorship , i looked up online and i read that your sponsors resources and income also deems , what do you think? i dunno what type of affidavit of support did we have, i will appreciate any info,
thanks
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I have been very busy soaking in all this info and I must also say how deeply touching it is that you are doing this Steve. I will add and keep your family in my prayers, and what a long list it has become.
In 2006 at 40 yo I was dx Stage4 mets to liver. A soc. worker helped me get ssdi. It was a Godsend to get medicare in 2008 bc my hubby was self employed and w our 3 children our health care bill was equal to our mortgage.(We live in NJ.) After many many tx and surgeries I am NED yet still on hormonal tx (at least 3 more yrs)and experiencing cripling side effects from that tx. Last month I got my ssdi review in the mail.....BIG freakout.....filled it out, sent it in. Questions...............
My husband is now unemployed. If I do not get approved, will I lose Medicare? Who will insure me? If I do not get tx the cancer will probably start up again. Joint pain, fatigue and other side effects most definitely keep me from working.Do they take side effects into account? How long is the wait for an answer? I got one letter a week after filing asking what work I've done since 7/29/08??? None was my answer. I called SSA. Where'd they get that specific date? The answer was no good reason at all. hmmm That's scary. Like everyone, I hope my chances are good. I fear the financial burden I would be on my family. I wish you all the best and peace as we all wait the wait.
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I am new to this thread and am still reading it, so I apologize if this has already been asked.
1) What is the most in savings that a person can have while on SSDI?
2) And with SSDI, is it okay to get financial help from a family member?
3) I also think you said that SSA goes by net and not gross when it comes to income? So if I make a net of $720 per month then I do not enter into the trial work period?
Thanks,
Mindy
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Steve, I just read your last post. You talked about your wife. I am so sorry the tumors have increased. You guys are in my thoughts and prayers. Let us know how things go, okay?
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3boymom, if it helps, IMHO your health issues that qualified you for SSDI have not changed. You should not be dropped from SSDI. If you are, an attorney like Steve should be able to get you reinstated quickly.
Winterstorm, SSDI doesn't take savings or other income into account. SSI/Medicaid does.
Hopefully Steve will drop back in here and add his expertise to the questions.
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Sorry not individual replies just faster for me this way.
3boymomm: Chick is right. Fill the form out let them know where you are getting treatment. If something goes wrong and you get a denial letter make sure you file an appeal and also request to continue to get benefits pending appeal. And then look for an attorney in your area.
Winter: Chick is right. DIB money does not matter only SSI. As far as net vs. gross that applies to when you are self employed. When you are an employee they just look at W-2 and divide.
Melania: I am not to familiar with CAPI but here is the CAPI website for L.A. County.
http://www.ladpss.org/dpss/capi/default.cfm
Wife starts second AC dose tomorrow. Side effects were same as Taxol and Gemzar just more intense.
Funny thing is her hair is starting to grow back. Not sure if that is just the delay between last Gemzar/Taxol and the first AC but that woudl really perk her up if she could get her hair back while on AC.
We see oncologist today for the hey how you doing appointment and to draw blood to check counts. Hoping she recovered back to normal as we are neverous with cold season coming soon. We all have got flu shots.
Thanks for the thoughts
Steven
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reesie: Yeah they biopsied the liver. It went form biopsy of the breast -> to pre-surgery MRI for the lymph with a shodow on liver --> to PET scan confirming 8 lesions on liver --> to biopsy when they put the port a cath in.
Funny thing is all her markers are clear to this day and there was no lymph involvement on the MRI. So no telling on it showed up in her liver it just did.
Steven
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Erica35:
Sorry it took me so long to get back to you. Are you saying you applied for SS and were denied? If yes you can appeal, but a lawyer can help. Let me ask here at the office if we know anybody in MA.
Steven
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Carberry: Yeah that is more of an employment law quesiton. Ther are a lot of regulaitons that all depend on a lot fo factors like company size etc.
But in general, while state and federal law may not allow an employer to discriminate because of a medial conidtion itself, letting you go because you can't make it to work is a different thing.
I know that is a fine line but there si a difference between saying "you can't work here because you have BC" and "you can't work here because you missed too many days regardless of the reason."
But I would contact an attorney in your area that specilizes in employment law if you wanted to pursue it.
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Thank you! and Chick for the input! I was also informed on Inspire that you have to be 5 yrs NED to be taken off ssdi. Hair can come back during chemo (not sure about AC) but just going from every week to every 3rd week on Taxol gave my hair a chance to grow. Best wishes to you and yours,
barb
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I'm thinking the way this disease is destroying my back, it won't matter if I achieve NED. I'll still be unable to work.
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steven thank you. I was going to pursue it,,,but then thought, maybe this is my time to re-invent myself and do something different. i was working with violent adoslescents as a nurse and probably should not be in that environment anymore. Just thinking maybe it was a blessing in disguise that I lost my job.
God bless you and your wife.
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Steven, I am hoping your wife is holding up ok with the ac. AC always seemed just a tad easier for me than taxol, and now abraxane. Abraxane started out easier, then got worse as I did more treatments!
SSDI update-I was approved! I was diagnosed April 5, 2011, applied ssdi June 5, had my answer today October 11, 2011. Will get first payment fourth wednesday of November. I basically stopped working April 5th, but have put in a couple days a week this whole time. I have stage 3 with internal mammary nodes positive, but one of my ct scans says stage 4, so I don't know if that helped me get approved. My doc still says I am a stage 3, but technically stage 4 because im node protrudes a bit.
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Thank you for your advice, Steve! Much appreciated. Please know that my heart and thoughts are with you and and your wife.
Love and light,
Mindy
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Steve - so, here I am on vacation and I notice a very large deposit to my checking account, compliments of Social Security. I applied about 10 weeks ago, and have not received a confirmation that I was approved. I am on vacation and there is a chance that it's in the mail being held. The amount was for about a year's worth, which is more than I expected as I submitted my appication with a date of early April (when I found out I was at Stage 3b).
Is it possible that the lovely SSA folks determined that I was eligible from the date of my first diagnosis, back in June of 2010? I am 61 years old and if this deposit isn't a huge mistake, I am relieved beyond my wildest dreams. My DH will be able to retire earlier than we thought, because carrying Cobra for him will be far less expensive than carrying it for both of us.
I am going to check out the SS website and see if I can figure this out.
Michelle
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Steven,
My hair started to grow back in before my last treatment and it kept on going - which did make me feel a little better. I also had ordered some simple cotton caps, which were soft, warm and comfortable to wear over my head around the house as it upset my son to see me bald. I also wore one of these caps with a full scarf over it when I went out and used full larger scarfs with a fringe that I tied at the nape of my neck so I felt like I still had long hair and I think looked much softer than a skin tight bandana.
As to your concern with the flu season, being a nurse I am always trying to avoid germs and had my chemo during the winter 'flu' months also. I carried tissue hand wipes in my purse and a bottle of the liquid hands clean stuff for after touching things in public like faucets in bathrooms, door handles and the handle on the grocery cart. My son thought it a good idea and carried a small bottle of the liquid wash in his lunch box and used some before handling his lunch.
I luckily don't need your help but I applaud you for what you are doing. Please tell your wife that as a fellow Mom myself, I had to learn during these times to not punish myself for not being supermom and take it easy. Housework will wait - read a book or do simple art projects with the children. If you cook, do it simple and double up - throw one in the freezer. Soup is good and nourishing - use the slow cooker pot - a bunch of vegetables and fresh bakery bread with grated parmesan cheese is my son's favourite. Make a batch, freeze some and later in the week have it again.
My thoughts are with all of you........
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Hello Steven. Let me start by saying this, "You are an angel for doing this!" I hope your wife is handling AC well. I had 4 rounds of it and thank God for emmend!
I have read through all of the posts, and I have not found one similar to my question.
I lost my job in June of 2011. I worked 16 years in the IL school system, IMRF. I was diagnosed in March of 2010 with Stage I at 36 years young. Mets to sternum were found in July of 2011. I am currently receiving unemployment benefits while undergoing weekly chemotherapy treatments. According to onc, this will probably be my lifestyle from here on out. I want to apply for disability, but am hesitant to do so while receiving unemployment benefits. Should I go ahead and apply? Can I continue to receive my unemployment benefits during the waiting period? Also, is there a website that can give an estimate of how much I would receive on disability?
Again, thank you so much.
Hugs to wife! Amy
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Hi Amy, my thoughts are with you. I was on unemployment as well at the same time I applied for SSDI. I was told it was difficult to get disability and perhaps you don't get approved the first time. But I was approved the first time I applied. I received some legal advice because of the unemployment and it worked out. Steve can tell you more but I just wanted to tell you how it was for me.
Michelle, I was approved on the date that I was considered disabled as it relates to my ability to work. My disability date was the last day I worked. Then after 6 months (or however long that was), I was eligible to receive benefits. I received my first check before I got the letter. It was large, too, and thought it was a mistake but it wasn't. The check included backpay for the months I hadn't received benefits but was eligible for. Glad to hear you were approved!
I'm not Steve and am not a lawyer, just thought I'd share.
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bak94:
Be careful about working in the first 12 months form onset of disability date. SSA likes to see a continous 12 month period before you go back to work under trial work period.
Steven
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Luv:
Yes it is possible. SSA benefits under Title II DIB (NOT SSI) can be retroactive back one year form date of application.
Example: If someone gets sick/injured and stops working in June 2008 but does not apply until June 2010 and is found disabled in a decision dated June 2011 that disability started June 2008 they would be entitled to benefits starting in June 2009 as that was about one year before they applied.
So if you were first diagnosed in June 2010 but applied some time in August and were found disabled this month back to June 2010 (assuming any date but June 1st) you count five months after June (July to Nov) and benefits would start December 2010 and you would get back benefit form 12/10 to this month and then monthly check ongoing.
Also medicare would start on your 2 year anniversary so that would be be 6/2012 assuming onset of 6/10.
For those curious about SSI benefits cannot be paid before application date no matter when disability begins.
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Canchaser:
The non-technical answer is unemployment benefits do not kill an SSA disability application.
Easiest way to explain it without getting into the law is that in order to receive unemployment one must express a desire and willingness to work; which is different form stating that you can work.
I don't think anyone on this board would hesitate to go back to work in exchange for being cancer free.
But the reality is most cannot work.
So bottom line just think of it as the difference between desire/wanting and ability/reality
The expression of the desire to work is not inconsistent with a SSA disability applicaiton and once a person understands the trial work period SSA actual supports the attempt to work.
Steven
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NNM - thank you, that does explain it the size of the deposit. The math seems to indicate that they went back to the June 2010 first occurrence. I am sure I have a notification in my mail that I will see when I get home. Knowing that the waiting time for Medicare is less than we thought is really helpful. My DH will be able to retire a little earlier now. It's easier to carry one person on Cobra rather than both of us.
Thank you for your wisdom and input here...I wouldn't even have thought to apply until I read some of your advice to others. I didn't think the online application process was difficult at all. I applied on August 5th, in case anyone is wondering how long it took...about 10 weeks from submittal to Soc Sec deposit in my checking account.
I am now "officially" retired!
Michelle
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Hi Steven, Thanks for all your help here, my friend, is applying for SSDI. She has had two unsuccessfully attempts to go back to work.( she sure would like to work again) My question is can she get unemployment when her state disability runs out, until she gets (or if) she gets SSDI? Also her work has already replaced her job, does she have to be officially laid off or can she just quit. (or say nothing and apply for unemployment). Her work knows that she is on disability.
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Hi Steven and thanks for the info. My question is I was a stay at home mom and have applied for SSI, my husband works but we are still at or under the poverty level, we have a mortgage but own nothing else, no children at home, ( average income $21,000 a year) Am I qualified for SSI and if so about what would I draw or should I just give up? I really would just be happy to have the ins.
Thank you
Emmy
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Thank you so much! Hope u have a great weekend.
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I don't understand how people who are applying for SSDI can get unemployment benefits. To get unemployment benefits one usually has to show they are looking for jobs so doesn't this prove they aren't really disabled if they are looking for work to get their unemployment benefits. I am sooooo confused about how this SSDI procedure works and what one can and cannot do to be able to qualify for it.
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Medi:
You don't have to understand it just trust me...I am a lawyer...ha ha ha.
Looking for jobs does not mean you can do the job. Looking is an expression of desire to work not the ability to work.
Getting hired is not the test; being able to sustain work activity is.
example: person is on a 21 day cycle of chemo. Feeling ok On the 14 day they apply for work and get hired starting the 15th day. They work 4 days and then say "hey I have to take tomorrow off cuz of chemo..and then the next 3-5 working days off due to side effects. But I might make it back in on day 10 until day 21 and then it all starts again."
yeah i know that person might get hired but not kept for very long.
I don't have time to convince but just trust me getting unemployment is not a complete bar to getting SS disability. Not saying it makes it easier just not a bar.
Steven
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What about the reverse? What if I got diagnosed with stage IV while working full time, applied immediately but could not quit my job until I was completely incapacitated? Would they deny me until I quit or would they take my diagnosis into consideration? Or would they just keep my application on file and possibly approve me a few months later?
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Thanks Steven (our bestest lawyerman of all!). However, my relative has never applied for unemployment benefits because she can't work full time and if they hired her she would just get fired again. She also does not feel up to going around trying to apply for jobs at this point. Somehow I read that to be considered disabled, you had to have not worked for a year. It makes sense because if you were up to working regular jobs then how can you really be disabled?? She got fired from her former fulltime job because working all the shifts fulltime was too painful for her. She is in the Appeal process now since she got denied (as expected) first go round. Where she goes from here only the Great God of Social Security Disability knows! What a nightmare!
BTW, I do hope your wife is doing better these days. Please thank her for sharing your brains with us. And you know how grateful we are to have you help us this way when you can. Much appreciation.
Medigal
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