DISABILITY
i WAS WONDERING ABOUT APPLYING FOR DISABILITY, i HAVE NOT BEEN A REGULAR AT WORK FOR OVER TWO MONTHS AND FRANKLY I REALLY DON'T WANT TO GO BACK.
If i am able to work part time, can i still apply for disability?
My current job can be done a good bit from home, but it is harder to find and keep clients if you don't go into the office.
Money is a real issue right now and i am wearing out my parents help, I have applied to differnt agencies for help with co pays and small stuff but they just don't have much to give.
reluctantly i feel i will have to go to social services and apply for food stamps.
I hate cancer and being broke, school is starting up for the kids again and they want to go school shopping, just buying supplies is at least $100 each,
They need clothes and gas money to drive, my 18 yearold has one more year in school and can't get a job because of football and his school work he must maintain a b adverage if he wants to get his scholarships next year.
I am sure others have faced these questions,
Please advise me.
Also I was wondering how do you start a fund for yourself and what about fundraisers?
Thanks
Winney
Comments
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Agencies
Have you checked within your local county for support services, checked with your local church, goodwill, salvation army, etc.? Have you tried unemployment?
I lost my job in Oct 2008 and went through all our 401(k) monies and had no savings, but was able to find a contract / temp position in March 09. Making 1/2 of what I was, but we are scrapping by right now.
Have you tried applying for the Govenment Home Program for refinancing or modifying your current mortgage?
If you have a Wal-Mart near by or Dollar Store those are great places to get school supplies. Goodwill is good for clothes along with thirt stores.
I have always LOVED Wal-Mart, you could say I am a spokes person for them . I have been shopping with them for over 10 years. I save money on everything.
Yard sale is another way to get rid of a lot of unused stuff as well as making some extra monies. You could actually get the kids involved with this as well. Let them sell items of their own they no longer want and keep the monies.0 -
Disability
Hi Winnie
Where I work, that is not the case. You can apply and go out on disability for up to 6 months. The first 3 months they have to hold your current position...between months 3-6 they can replace your position but have to find somewhere else in the company for you to work.
FMLA, the Family Medical Leave Act can protect your job for 3 months, but in my case I would have 3 more months to stay inside the company.
After 6 months they consider you terminated...I've been out twice and had to fight real hard to get back to hold my current position no matter what - lose my job with my medical condition, who would want me and we would go down like the Titantic. So, that's the biggest fight of my life, not the Cancer itself, but keeping enough money to keep us afloat. It gets harder and harder.
I'm saddened by your story...I think it's wrong that we get Cancer, and then our whole lives turn upside down and we have a hard time making it - I read about it every day but hearing it again from someone who "you know" and we're getting to know you, is really wrong.
I feel for your kids as well. But it's not your fault that you got sick...and hopefully this is a tough chapter of your life, and you'll get better and things can ease up on you. This is what I hope for you.
Best Wishes
-Craig0 -
Financial Resources for Cancer PatientsSundanceh said:Disability
Hi Winnie
Where I work, that is not the case. You can apply and go out on disability for up to 6 months. The first 3 months they have to hold your current position...between months 3-6 they can replace your position but have to find somewhere else in the company for you to work.
FMLA, the Family Medical Leave Act can protect your job for 3 months, but in my case I would have 3 more months to stay inside the company.
After 6 months they consider you terminated...I've been out twice and had to fight real hard to get back to hold my current position no matter what - lose my job with my medical condition, who would want me and we would go down like the Titantic. So, that's the biggest fight of my life, not the Cancer itself, but keeping enough money to keep us afloat. It gets harder and harder.
I'm saddened by your story...I think it's wrong that we get Cancer, and then our whole lives turn upside down and we have a hard time making it - I read about it every day but hearing it again from someone who "you know" and we're getting to know you, is really wrong.
I feel for your kids as well. But it's not your fault that you got sick...and hopefully this is a tough chapter of your life, and you'll get better and things can ease up on you. This is what I hope for you.
Best Wishes
-Craig
Winney:
I'm so sorry your family faces not only serious illnesses but financial issues as well.
Here is the web address of a list of resources that might be useful to you: (You will have to copy this address and paste it into your web browser. I don't know how to make the link active on this board.)
http://www.cancer.gov/cancertopics/factsheet/Support/financial-resources
Hatshepsut0 -
disability
Hi Winney.
Depending on your stage of cancer you may qualify for social security disability. You would have to stop working and not be able to work at all. As soon as it was found my colon cancer had spread they immediately approved me for social security. You will automatically qualify for foodstamps and medicaid if you are approved for social security disability. I felt bad about having to get assistance at first, but you know, I worked my whole life and payed into the system, used up everything I had, and had to do it. Now I am in college, age 50, hitting my five year mark after stage 4 cc, looking forward to completing school and hope I can get a job and get back off the assistance. If you need it right now, there is nothing wrong about it. Good luck and hang in there.
Pam0 -
SS Disability
I found it extremely easy to get SS Disability. My husband filled out all the forms online, the next day I had to fax a signed form to them and in five days I was approved. The thing is in Arkansas you have to be out of work for five months before you can start receiving a check. My five months was over in June, so I'll get my July's SS check the 12th of August. And, if I needed it, I would be automatically approved for Medicare. My husband is retired military, though, and his insurance is covering all of our medical expenses right now. Starting in October, I'll have a $300 co-pay and have to start paying 20% of my doctor's bills. But as soon as I've paid $3,000, Champus will start paying it all again.
I have stage IV colon cancer and, according to the person at SS I talked to, that is an automatic approval for SS Disability. I can still work part time, but not make more than $900 a month and still receive all my SS Disability. Unfortunately, I can't work part time at my old job, even though they would love to have me, because of my chemo brain. I can't remember what I've accomplished even five minutes after I do it. I don't know of many places that would let you work like that.
I'm sorry you are having to go through this and I hope you can get some much needed help.
Debbie0 -
I applied for disability and
I applied for disability and got it in two months, they back payed me three mnths and will be getting a monthly check. I however, have not received a letter regarding medicade and the bills are stacking up. My husband had lost his job and we were in between ins. My husband and kids did get approved through Keiser by I was not because of pending test I did not complete with my other insurance company. I was under review, and was suppose to be approved by June. My dx. came on May 12th so, I had no insurance. I was always a stickler about coverage and this happened. Some of the ways I have made money is through Craigslist..you can take a picture of your artwork, old clothes, houshold goods etc. and post free, literally in an hour your phone will be ringing. I sold purses, furniture, jewelry, electronics and outdoor eqipt. and made a good bit of money. No yardsales for me after Craiglist. I am in the same boat as you with the school clothes and supplies, football, and cheerleading. My sis had to sign them up for me because we would not have been able to. Check it out and see what happens, super easy to use and fun! Look at Walmart for $4 prescriptions you may be on, it may be cheaper than even copays. There is also places you can apply to get food for about $30 bucks, it's about two week supply. Check you local area, I think it's angel food ministies. My community is doing a fundraiser for our family....they will be doing a dodgeball tournament with teenagers, powderpuff football game between parents, and a golf tournament with silent auction to follow. They are also going to be doing a yardsale as well. I have a wonderful community. I have another woman doing a Southern Living party with all proceeds going to my family! My Church did a fundraiser hamburgers, and hotdogs, baked beans, and coleslaw and raised 2300.00 for my family as well. There are all kinds of fundraisers you can do! If your not part of a sports league or Church. You could ask you local ballfield if you could sale maybe bbq at football games or chili, something cheap. Maybe cotton candy and facepainting. Kids will knock you down for this. You never know how kind people can be until you give them a chance to do so!! Good luck to you and God Bless, Patti (sorry this was so long.)0 -
disbility
If you've already completed your short term disability period, you can apply for long term disability benefits through social security. You can go to local office to get info and paperwork or go online to start the process. you will have to fill out lots of forms(IT'S A GOVET AGENCY!) AND GET YOUR MEDICAL RECORDS etc...0 -
I agree with Debbie andpluckey said:disbility
If you've already completed your short term disability period, you can apply for long term disability benefits through social security. You can go to local office to get info and paperwork or go online to start the process. you will have to fill out lots of forms(IT'S A GOVET AGENCY!) AND GET YOUR MEDICAL RECORDS etc...
I agree with Debbie and Pam..... VERY easy to get disability if you are stage IV. Automatic approval in 5 days. There is that 5 month waiting period though. Go for it... you paid it in.
Jennie0 -
I copied and pasted this foridlehunters said:I agree with Debbie and
I agree with Debbie and Pam..... VERY easy to get disability if you are stage IV. Automatic approval in 5 days. There is that 5 month waiting period though. Go for it... you paid it in.
Jennie
I copied and pasted this for you,you might want to look in to it.
The Disability Discrimination Act - U.K..................DEFINITION OF DISABILITY
By Terry Gallagher
You can find the Act in Word format at: DEFINITION OF DISABILITY
The Key section is:
"1.4 day-to-day activities
Day-to-day activities are normal activities carried out by most people on a regular basis, and must involve one of the following broad categories
· mobility - moving from place to place
· manual dexterity - for example, use of the hands
· physical co-ordination
· continence
· the ability to lift, carry or move ordinary objects
· speech, hearing or eyesight
· memory, or ability to concentrate, learn or understand
· being able to recognise physical danger"
'continence' is one of the automatically qualifying conditions. The three most common types of stoma, colostomy, ileostomy and urostomy, are all classified as 'incontinent stomas' since the person has not voluntary control over their 'working', whereas a catheterised stoma, such as a Koch pouch, modifies continence form normal, requiring the use of a catheter to empty the pouch. All of the above are covered by this definition and are legally classed as 'disabled' so enjoying protection under the act.
Further, those with reconnect surgery are also covered under this section because their continence is modified by the need to use the toilet more frequently. For once it seems, an act has been cleverly worded to include all of the people it is designed to protect - that includes us!
For the act to apply to you, you must inform either your manager or HR that you are covered by the act - best to give this in writing and ask that one copy of it be signed and dated by the person you give it to as proof that the firm/company or w.h.y? are aware and have been informed. Your letter should state that you are covered by the DDA as a result of a continence issue and say which sort of stoma you have - this can save problems later over the 'We weren't fully informed'. You should also include what allowances you require (and please note, this is a legal requirement on the company) to allow you to work for that company. These might include access to a disabled toilet with changing facilities for you to change your pouch and clothes in the case of a leak with a clinical waste bin in the toilet for you to dispose of soiled stoma products. You would also say that you require to be allowed to use the toilet whenever your stoma requires emptying or attention. This is particularly relevant for, say, a call centre, where leaving one's phone is frowned upon and toilet breaks are recorded. You should also state that your toilet breaks may require a longer time than a non-disabled person because of the difference in time required to attend to your stoma. Just to be complete, you also should state that you require time off during working hours to attend follow up appointments at the hospital for check ups on your stoma. In my case, this is every six months for each of my stomas. {I'm greedy - I have urostomy and ileostomy these days.}
It is best to 'set out your stall' with regard to what you need at the start of claiming coverage so that the management are fully aware of the consequences. They cannot sack you for this, by the way, as you are protected by the DDA and would have a right to go to an Industrial Tribunal where the company would be found to be in breech of the Act - that's why you need to be as up front about your needs as possible.
In summary, inform your company in writing and get a signed and dated copy. The Act is there to protect people with stomas.
By Terry Gallagher0 -
Disability
Hi Winney! Like the others have said, if you're a stage IV, you can get SSI very easily. If you're not...it's a whole other animal! I've been fighting them since i was first diagnosed, and they've kept finding excuses to deny me. The radiation damaged my bones so badly i can cough hard and break my tailbone, there is no diagnosis on their list for this. Plus, i'm young (under 50), and they claim i can heal from this. They don't care whether or not you're such a large liability you are unemployable, you have to be nearly dead (according to their list of terminal illnesses) to get SSI these days. It's been a real struggle. All i can say is go for it, and if they deny you, keep on trying. They give most people a hard time at first to weed out the people who will give up. I have an attorney who is working my case for me because it's gone to that point. This process will take up to four years, but at least i was able to get my medi-cal back which they took from me as soon as i finished treatment. That's the other benefit to SSI, you will automatically get medi-cal which has actually saved my life. Neither of my jobs before my diagnosis offered health insurance. Don't forget also, you are uninsurable as well!
I wish you much luck with it.
Many hugs,
Krista0
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