This column was contributed by a association member.
If you accept been diagnosed with a affliction that makes you clumsy to work, you may authorize for banking abetment through the Social Security Administration (SSA). These allowances can advice awning the costs of your medical bills, as able-bodied as your accustomed active expenses. If you were diagnosed with cancer, you could be acceptable for Social Security affliction benefits.
Types of Affliction Benefits
The SSA offers two altered types of affliction benefits: Social Security Affliction Allowance (SSDI) and Supplemental Security Income (SSI).
SSDI allowances are based on the bulk of money you accept paid in taxes through your abode of appliance and alone accessible if you accept some blazon of assignment history. To authorize for SSDI benefits, there are a few accommodation factors:
· You charge be amid 18 and 66 years old
· You charge accept formed abundant to acquire a assertive bulk of “work credits”
· You are not earning added than $1090 per month
If you accept formed at archetypal jobs that pay Social Security taxes throughout your life, you will acceptable accept abundant assignment credits to authorize for affliction benefits.
SSI benefits, on the added hand, are not afflicted by your assignment history. They are charge based and meant for bodies afterwards abundant of an appliance history. To accept SSI benefits, there are additionally program-specific qualifications:
· You charge not own added than $2,000 in assets, or $3,000 if married
· You are not earning added than $733 per month
Assets accommodate a additional home or additional car, cash, stocks, bonds, and activity insurance. Your primary home and agent will NOT calculation as an asset, nor will claimed affects such as a bells ring.
To actuate whether or not you are acceptable to accept affliction allowances for a disability, the SSA turns to the Blue Book, a absolute annual of diseases that may anticipate addition from actuality able to work, thereby condoning them for benefits. Blight is a austere analysis that comes in abounding forms, some of which
vary in levels of severity. Currently, all forms of blight listed in the Blue Book are amid beneath Section 13–Cancer, Adult.
Each anatomy of blight qualifies differently. A analysis of esophageal blight will automatically medically authorize for affliction benefits. Breast blight on the added duke charge accept advance to abroad regions of the or acknowledgment admitting treatment.
To be accustomed for affliction benefits, you charge accommodate specific medical affirmation to the SSA, including:
· The abode of agent of the cancer
· Details about the tumor, including how it formed and grew
· How able-bodied you responded to treatment
· Medical addendum and letters from any claret work, operations, biopsies, or tests
· A almanac of any affection you accept accomplished afterwards treatment
· A medical summarization of any hospital stays and all accompanying treatment
Check with your doctor to see if your blight meets a Blue Book listing.
The SSA offers a affairs alleged “Compassionate Allowances” that speeds up the affliction allowances approval action for added astringent conditions. Beneath this program, a action that usually takes weeks or months can booty as little as ten canicule from the date you aboriginal book your allowances application. Best astringent forms of blight abatement beneath the Compassionate Allowance program. Your blight could authorize for a Compassionate Allowance if:
· The blight has advance above its bounded point of origin, such as to abroad organs or regions of the body
· Your blight is inoperable
· Your blight has alternate admitting a abounding annular of antecedent treatment
Residual Functional Capacity Assessment
If you cannot accommodated a Blue Book advertisement or a Compassionate Allowance, you can still authorize for allowances with cancer. The SSA will appraise your Residual Functional Capacity (RFC), which shows how abundant assignment you can analytic be accepted to do with your condition, if any assignment at all. To actuate this, the SSA will analysis
your assignment history, age, and apprenticeship akin to see if there is any job you can perform, or learn, that would accredit you to assignment while accepting cancer.
For your RFC assessment, you should accommodate a absolute annual of any affection and ancillary furnishings that would accomplish it difficult for you to accomplish any job. For instance, if you accept been diagnosed with retinoblastoma and acquaintance eyes loss, but accept formed at a computer for best of your activity with little education, you will acceptable be accustomed for benefits. Another archetype would accommodate activity through chemotherapy and actuality clumsy to assignment due to your abhorrence and added affection of the treatment. You can download the RFC online.
Applying for Benefits
If you are applying for SSDI benefits, you can administer for affliction allowances through the Social Security Administration online, or in being at your bounded office. If you are applying for SSI benefits, you accept to administer with your bounded office. You can alarm the SSA toll-free at 1-800-772-1213.
posted by Lazarex Blight Foundation, www.lazarex.org
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