Stroke how do I apply for temporary SSDI benefits?
Recently on our disability forum a user asked, I had a stroke in December. I have not been able to work full-time since the stroke. How do I apply for temporary benefits for SSDI benefits, and how much income can I expect each month?
SSDI is not awarded for temporary health conditions
Although this seems to be a common misconception of workers, Social Security Disability Insurance (SSDI) is not offered to claimants who have a condition which is not expected to last for at least 12 continuous months. In fact, if your condition is not expected to last at least 12 continuous months or result in your death, the SSA does not care about the severity of your current health condition. In fact, if you apply for SSDI you will automatically be denied.
What do I do to make money while I am disabled?
The Social Security Administration suggests that the expenses related to short-term health conditions can be paid through other means: workers compensation, personal savings, certain state benefits offered to injured workers, and short-term compensation offered through an employer.
Unfortunately, what many injured workers soon find out is that they are wholly unprepared to be out of work for any length of time without an income.
Stroke conditions lasting for at least one year
Although the Social Security Administration (SSA) does not offer any type of short-term or temporary SSDI benefits, this does not mean that your condition has to last the rest of your life to qualify for SSDI benefits.
In fact, if you have a stroke and the conditions only last 12 continuous months and then you find your condition has improved to such a degree that you are able to return to work, you can apply for what the SSA calls closed period benefits.
Closed period benefits can be provided to claimants for a specific period of time- from the date of injury (less the five month waiting period) to the date the worker returns to work and is able to perform substantial gainful activity.
The good news is it can be much easier to win closed period benefits because the SSA incurs much less cost awarding them and does not have to pay them indefinitely to the injured worker.
What if I do not know how long my stroke symptoms will last?
One of the toughest issues regarding stroke symptoms is simply not knowing how long they may last or to what degree they may impair your ability to work. Some stroke victims show remarkable resilience, regaining much of their abilities to function in a matter of months. Other stroke victims, however, may never be able to return to their previous employment or any job at all.
If you are unsure about your symptoms and how long they are likely to last you can talk to your doctor. Another option, if you are still severely disabled after a few months, is to go ahead and apply for SSDI benefits. It takes so long for most claimants to be approved for SSDI its likely once you made it all the way through the process it could easily be a year anyway.
At that point if you had already gone back to work you would simply be denied, potentially receiving closed period benefits for the months you were out of work (assuming you did not work for at least 12 continuous months).
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