Question about Disibility

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PostPosted: Sun Jun 20, 2010 5:20 pm   Post subject: Question about Disibility  

Heres my situation. My husband in Oct.2009 tore his achilles heel. He has not seen a Dr. since. He is in alot of pain and is still working and walking. As good as you can. I am pretty sure it has ruptured by now just by the looks of it. He has no kind of medical Insurance at all that is why he wont go to the Dr. The company he works for says they may have it by the first of the year. I dont think he should wait that long b/c I am afraid he has permantly damaged his leg by not getting the surgery. My ? is can he sign up for disibility if he is not working any longer and how ling do you think it would take to recieve benefits? I dont know how long he would be out of work but Im pretty sure a while. We have tried to get Drs. to work with us on payments but they wont and always want a huge amount up front. He is the only one working and we depend on his income so we couldnt be without income long. We dont have savings and just live week to week. I could really use an answer or help on this Please! Thanks!

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PostPosted: Mon Jun 21, 2010 8:21 pm   Post subject:   

Did your husband get hurt while working? I understand he doesn't have 'health' coverage, but his employer likely has workers comp.



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PostPosted: Mon Jun 21, 2010 11:08 pm   Post subject:   

No he did not. He was at home when he got hurt.

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PostPosted: Mon Jun 21, 2010 11:10 pm   Post subject: Disability  

No he did not. He was a home.

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PostPosted: Tue Jun 22, 2010 3:24 am   Post subject:   

No you cannot sign up for disability insurance. Underwritten disability insurance will ask questions involving medical issues, if you lie and say there are none, and the insurance company discovers this, they will deny claim.



The insurance company would be very suspect of a newly issued policy that immediately goes on claim. So even if you could conceal the issue during underwriting, there would likely be an investigation after you submitted claim forms.



Unfortunately disability insurance should have been bought a long time ago to cover this sort of issue.



In terms of other options, there aren't a lot of likely comfortable ones. He's the bread winner, and he needs surgery, so you'll have to pay for it out of pocket, and also lose his income while he's in recovery. Potentially financially devastating, my apologies for your unfortunate situation.

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PostPosted: Tue Jun 22, 2010 12:13 pm   Post subject:   

It was in Oct. 2009, and now it's Jun 2010. So, it's been quite some time that your husband has neglected this injury. I guess it only makes things worse for you. You'd now have to bear it out-of-pocket!


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PostPosted: Thu Jul 01, 2010 10:00 pm   Post subject: Sscial Sucurity  

Do you think that filing for a short term if any for Social Sucurity, would be an option and I know in the state of Arizona if someone goes to the hospital and they don't have insurance they will continue to see someone and get an emergency insurance card on the spot you can see if that is an option as well

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PostPosted: Fri Jul 02, 2010 2:05 am   Post subject:   

Social security disability has a 5 months waiting period and the illness or injury must either be something that is expected to result in your death soon or be irrevocable. About 50% of all applications are denied when first submitted.



On top of that the definition of disaiblity is losing the ability to perform the material and substantial duties of any occupation for which you are appropriately licensed or trained.



It's most likely the case he would not qualify. But there are those who manage to make their way into the system.

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PostPosted: Fri Jul 02, 2010 11:11 am   Post subject:   

I'm certainly no SSDI expert, but have known many people thru the years who have applied for it. Most (that I know) have it coming..some, well I think they are lazy whiners...but I will say, I personally have known about 20 or so cases, and not one single one didn't end up having to get an attorney and fighting for it. Every single one of them got it too, but it took 1-2 years for this to happen...



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PostPosted: Thu Aug 05, 2010 11:41 pm   Post subject: Probably Ineligible for SSD  

I hate to burst your bubble but as your spouse can work gimping along as he can, it is highly unlikely he will qualify for Social Security Disability. As a former RN, I can tell you an injured Achilles Tendon isn't enough to put someone totally out of the job market, even if it means they end up sitting on a stool and greeting people at Walmart. (I'm not downing that job. It was an option I considered after having a neuro deficit from complicated migraine [i.e. stroke caused by migraine]).

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PostPosted: Fri Aug 20, 2010 11:38 am   Post subject:   

Hi,





No he did not. The insurance company would be very suspect of a newly issued policy that immediately goes on claim. So even if you could conceal the issue during underwriting, there would likely be an investigation after you submitted claim forms.







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PostPosted: Sat Sep 04, 2010 8:43 pm   Post subject: Disability  

If your husband is disabled to the point that he cannot work, he should be able to file for Social Security disability. They would date the disability back to the date of the injury and loss of work. However, with Social Security, there is a 2 year (from accident) wait for Medicare to kick in. If approved for disability, he would receive compensation back to the time of his disability. Can he not go to a hospital who accepts charity patients. I realize this is humbling, but if he needs care, you do what you have to do to get medical care. Then if his injury is disabling, he would qualify for disability. If not, he could get the medical care needed for his injury. I would certainly advise not putting off getting the medical care needed.

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PostPosted: Mon Sep 13, 2010 3:40 pm   Post subject:   

Quote:
If your husband is disabled to the point that he cannot work, he should be able to file for Social Security disability. They would date the disability back to the date of the injury and loss of work. However, with Social Security, there is a 2 year (from accident) wait for Medicare to kick in. If approved for disability, he would receive compensation back to the time of his disability.




Most of Doloras' information above is incorrect. Simply being "unable to work" is not Social Security's definition of disability. If one is not expected to (1) die as a direct result of their disability (such as being overdosed with radiation in a nuclear power plant) or (2) be disabled at least 12 months, forget it.



But even if death is not going to result, and the disability is expected to last longer than 12 months, the definition SS uses is "Unable to perform any substantial gainful activity" and in 2010 that means anything (and anywhere) in the American economy that would pay $1000 per month.



As for receiving compensation back to the time of his disability, that is entirely wrong, unless the application for SS Disability was made at that time. The most that can be received retroactively is five months prior to the date the claim was filed. So the person who didn't think they would be disabled for 12 months, and suddenly realizes they have been, now applies for the benefit, they will only receive a maximum of 5 months of retroactive payments, not an entire year.



And the two year wait for Medicare is not from the time of accident, it is defined as having received SS Disability benefits for 24 consecutive months. That is VERY DIFFERENT than two years from the date of accident.



So take it from someone who knows how the system works, in all those respects, Doloras is wrong.



Quote:
I would certainly advise not putting off getting the medical care needed.




That, on the other hand, is good advice. But, based on the OP, the poster's husband injured himself in October 2009, first asked what to do in June 2010 -- 8 months after the fact.



Who voluntarily subjects himself to the pain of an Achilles tendon injury for that length of time without seeking medical care?


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Last edited by MaxHerr on Tue Dec 04, 2012 5:41 am
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PostPosted: Tue Dec 04, 2012 3:47 am   Post subject:   

apparently the person above has never had Achilles problems! I have the same problem, i had surgery on my left leg and was told that I later in life I may have to have it again. I have problems with both legs and I have no insurance. So where does one go when they have no insurance but in a lot of pain? I was told if I continue to wear steeled toed shoes I will have problems. Most jobs require steeled toed shoes. So where does one go for a job with no qualifications?


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PostPosted: Tue Dec 04, 2012 5:52 am   Post subject:   

Quote:
I have problems with both legs and I have no insurance. So where does one go when they have no insurance but in a lot of pain?


You go to the county welfare hospital, where they might be able to qualify you for Medicaid.



Quote:
I was told if I continue to wear steeled toed shoes I will have problems. Most jobs require steeled toed shoes.


That's not true. What you are talking about is a requirement in many manufacturing or heavy industrial occupations. It's not true at McDonalds, Walmart, or the neighborhood grocery store, and the vast majority of other businesses in America.



Quote:
So where does one go for a job with no qualifications?


You do like millions of other folks do, you go to school to learn a trade. Or you go to places like McDonald's, Walmart and the neighborhood grocery store, where they will take just about anyone willing to work.



If you're not willing to work, then go to the local welfare office and see what they can do for you. In another year, Obamacare will arrive and maybe you'll be one of the lucky ones who gets free health insurance. Be sure to get your number before the end of 2012.


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