I’m reaching out for some guidance regarding my brother, who is in urgent need of accessing his disability insurance.
He worked for the government for about seven years and became vested in his retirement system after five. For a while, everything was going well, but he started experiencing severe sleep issues that persisted despite using strong sleep medications. I believe this struggle contributed to his growing depression. He was once punctual and tidy, but he has changed dramatically over the past year.
In the last six months, he has been diagnosed with major depressive disorder by two different psychiatrists. Since then, he spends most of his days just lying in his apartment, not working and relying on takeout for meals. His laundry has piled up, and he has increasingly struggled with sleep.
He is eligible for disability benefits from his previous job, even after resigning, for up to 72 months following his departure (which was about six months ago). I accompanied him to his HR department to explore his options, and the staff there were very supportive. They mentioned that there are benefit programs available that would allow him to remain on payroll and utilize his remaining sick leave while participating in these programs. However, my brother, who has developed a flat affect from his depression, expressed that he just wants to give up and can’t work anymore, leading him to be categorized as having resigned.
During our visit, the benefits representative provided us with information regarding the short-term and long-term disability insurance my brother has held since joining the department. We’ll need to review the details of that policy closely.
I believe applying for both SSI and SSDI is his best course of action since he has more than the 40 credits required for full disability benefits. Although he has around $10,000 saved in a low-cost living area, with rent at $1,500 and other expenses like his car costing $600, he will quickly deplete his savings. We need to secure SSI and/or SSDI benefits as soon as possible and then explore the disability coverage he can still access after resigning.
I’m seeking advice on this situation. I was unaware that major depressive disorder could qualify for full disability payments through both SSI and SSDI. Is approaching these programs the right strategy, or should we prioritize filing for the insurance benefits first, considering that the SSI/SSDI process may better recognize his disability status than an insurance company? Any guidance would be greatly appreciated.
It sounds like your brother is going through an incredibly tough time, and it’s great that you’re looking for ways to help him. Here are some thoughts on the situation:
Applying for SSI and SSDI: Given your brother’s diagnosis of major depressive disorder, he may very well qualify for both Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI). Since he has worked long enough to earn the necessary credits, SSDI might be the more advantageous option for him. Applying for both can give him a better chance of receiving support.
Documentation is Key: To strengthen his application for SSI/SSDI, gather all relevant medical documentation, including the diagnoses from both psychiatrists, treatment records, and any other pertinent medical history. Thorough documentation can significantly increase the chances of approval.
Disability Insurance Options: You mentioned that your brother has short-term and long-term disability insurance from his previous job. This could potentially provide financial support while he awaits approval for SSI/SSDI. It’s worth reviewing the policy details carefully to understand the criteria for claiming these benefits.
Navigating the Process: The application process for SSI and SSDI can be lengthy, often taking several months. It may be beneficial to consult with a disability attorney or advocate who can help navigate the process, ensuring all paperwork is correctly completed and submitted.
Ongoing Support: Besides applying for financial assistance, encourage your brother to seek ongoing support for his mental health. Therapy, medication management, or support groups can provide essential help during this challenging period.
Resources Available: Look for local resources in your area that provide assistance for individuals with disabilities. There may be support organizations or community programs that can help him in various ways, including financial planning and emotional support.
Avoiding Delays: While applying for SSI/SSDI, pursue the insurance options simultaneously, as this may provide quicker financial relief. Don’t hesitate to reach out to both the disability insurance provider and the Social Security Administration for guidance during the application process.
It’s commendable that you’re so involved in your brother’s well-being. Supporting him through this process can be incredibly beneficial, so continue encouraging him while also being patient as he navigates these challenges.