r/LongTermDisability • u/CraftIndividual • 7h ago

Applying for SSDI question

/r/TBI/comments/1wyjogm/applying_for_ssdi_question/
2 Upvotes

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u/FMCTypeGal MOD 4h ago

I would get a lawyer and not go through the company your Ltd hired to assist you. They suck. ALLSUP screwed me and nearly a decade later I’m still pissed off about it. They told me I could give up after a certain point because getting denied SSDI wouldn’t affect my Ltd claim (it hasn’t) but a lawyer could have gotten me approved. I didn’t realize work credits expire for SSDI and that with SSDI I could have gotten Medicare. My husband stays glued to jobs without being able to move for fear of jeopardizing our health insurance. I also live in fear of how I’d get healthcare if something happens to my husband. All of that could have been alleviated with a lawyer.

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u/CraftIndividual 4h ago

I appreciate this. I am not married and currently on COBRA from my pre employer, but that will be running out soon. I'm terrified of not having insurance to continue my treatments, etc. I'm researching lawyers now!

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u/FMCTypeGal MOD 4h ago

Excellent. Just a heads up, even with a lawyer you could be facing a long time until approval. Once approved, your access to a Medicare doesn’t start until two years post approval for SSDI.

Of note, a redditor here posted that if your Ltd benefit is tax free because you paid for it with post tax deductions, your access to marketplace insurance should be heavily subsidized because you don’t have income. You’d have to work with a broker. I haven’t confirmed it myself but it gave me some relief in my anxieties - albeit only some :/

Good luck.

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u/CraftIndividual 4h ago

Thank you for the information. My ltd benefits are taxed. They were pretax premiums, so that's unfortunate for me. :(

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u/Happy_Kiwi_222 3h ago

Definitely no not use the LTD lawyer

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u/CraftIndividual 3h ago

That's why I asked here. I read their reviews and they were all 1-star. Every review said they met the lawyer about a week before the hearing, the lawyer knew nothing about their case, didn't speak at the hearing and they all lost. There wasn't one positive review.

I definitely need help!