I’m seeking advice regarding my brother, who needs assistance in accessing his disability insurance. He worked for the government for about seven years and was vested in his retirement system after five. Things were going well until he developed significant sleep issues that no medication seemed to help. This struggle, I believe, contributed to his gradual descent into depression. He used to be punctual and meticulous, but he changed drastically and hasn’t been the same since.
Recently, over the past six months, he was diagnosed with major depressive disorder by two separate psychiatrists. Since then, he has become increasingly withdrawn, spending all day in his apartment, ordering takeout, and letting his laundry pile up. His sleep has worsened, and he struggles to get any rest.
He is eligible for disability benefits from his former job, which can be accessed for up to 72 months after leaving the position, even if he resigned. I accompanied him to his HR department, where a compassionate benefits representative explained the options available to him. They mentioned he could remain on the payroll and use his accrued sick leave to participate in various programs. However, my brother, showing the flat affect typical of his depression, simply stated, “I just want out. I can’t work anymore,” which led to him being marked as resigning. The benefits representative provided us with information about the short-term and long-term disability insurance he enrolled in seven years ago, which we will need to review.
I believe his best course of action now is to apply for both SSI and SSDI, as he has more than enough work credits to qualify for full disability benefits. Also, with about $10,000 saved in a low-cost living area, he risks depleting his funds quickly due to rising expenses—his rent is $1,500, and his car costs $600, among other bills. Securing SSI and/or SSDI is critical now, and I can look further into the disability plan he’s still eligible for after resigning.
Does anyone have insights on this situation? I wasn’t aware that major depressive disorder could qualify someone for full disability payments through both SSI and SSDI. From an insurance standpoint, should we pursue SSI/SSDI first, considering they may better assess his “disabled” status than an insurance company? I appreciate any guidance you can offer.
It sounds like you’re doing a great job supporting your brother during a challenging time. Navigating disability benefits can be complex, but there are definitely steps you can take to help him secure the support he needs.
Apply for SSI and SSDI: You’re correct that applying for both Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) is a good approach. Since your brother has enough work credits for SSDI, he should certainly apply. Major depressive disorder can qualify for both SSI and SSDI, especially if it significantly impacts his ability to function socially and at work.
Documentation: Make sure your brother has all necessary medical documentation to support his claims, including medical records, diagnoses from his psychiatrists, and any other relevant health information. This will be crucial in demonstrating his condition and its impact on his daily life.
Consult a Disability Advocate or Attorney: Sometimes having an experienced advocate or attorney on board can greatly improve the chances of a successful application. They can help navigate the application process and ensure that all necessary documentation is included.
Explore the Disability Insurance Options: After filing for SSI and SSDI, it would be wise to look into the short-term and long-term disability insurance options available through his former employer. Make sure to read the plan details carefully, as there may be specific criteria or processes he needs to follow to file a claim.
Financial Planning: Since your brother has limited savings, it’s important to act quickly to apply for benefits. If possible, consider speaking with a financial advisor, especially one with experience in disability benefits, to help manage his finances during this transition period.
Support for Daily Living: Given your brother’s current state, it might be beneficial to look into local resources that provide mental health support, community programs, or even temporary assistance while he gets back on his feet.
Stay Involved: Continue to be a supportive presence for him. Encouragement and understanding can go a long way, especially when he’s feeling overwhelmed.
Remember that the disability application process can often take time, so starting as soon as possible is key. Good luck to you and your brother—it’s great that he has you in his corner!