I need some guidance regarding my brother, who is trying to access his disability insurance benefits. He worked for the government for around seven years and became vested in his retirement system after five years. Everything was fine until he started experiencing severe sleep issues, which persisted despite trying strong sleep medications. I believe this contributed to his declining mental health, leading to major depression. He was once punctual and organized, but something changed drastically.
In the past six months, he has been diagnosed with major depressive disorder by two different psychiatrists. He now spends his days in his apartment, not working, and relies on takeout for meals. His laundry has piled up, and he struggles to sleep.
His former employer offers disability benefits for up to 72 months after separation, even if someone resigns or is terminated, which applies to my brother since he stopped working about six months ago. I accompanied him to meet with the HR and benefits staff, who were very supportive. They explained that there are programs he could use to stay on the payroll and utilize his remaining sick leave, but my brother, visibly affected by his depression, expressed that he couldn’t continue working. This led to him being marked as having resigned. The benefits representative provided us with information about short-term and long-term disability insurance that my brother had enrolled in seven years ago, which we need to review further.
I believe applying for both Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) might be his best option. He has accumulated over 40 work credits, making him eligible for full disability benefits. Additionally, he has about $10,000 saved, but with monthly expenses like $1,500 in rent and $600 for his car, his funds will deplete quickly. We need to get him set up with SSI and/or SSDI first, and then explore the disability insurance he may still qualify for despite his resignation.
I’m looking for advice on the best approach. I was surprised to learn that major depressive disorder can qualify someone for full disability benefits through SSI and SSDI. Is it better to pursue these options first, since they can provide a more accurate assessment of his disability than an insurance company might? Any thoughts or recommendations would be greatly appreciated.
It sounds like your brother is going through a really difficult time, and it’s great that you are looking for ways to help him navigate the disability benefits process. Here are some thoughts that might help you and your brother:
Apply for SSDI and SSI: You are correct in considering both Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI). Since your brother has worked long enough to qualify for SSDI, he should definitely pursue that route. SSI may also be beneficial if his income and resources are low, as it provides additional support for individuals with limited means.
Understand the Criteria for Disability: The Social Security Administration (SSA) recognizes major depressive disorder as a qualifying condition for disability benefits. It’s important that your brother collects all necessary medical documentation, including records, diagnoses, and treatment history from his psychiatrists and any other healthcare providers. This documentation will be crucial in proving the severity of his condition.
Disability Insurance from Employer: You mentioned that your brother has both short-term and long-term disability insurance through his former employer. It might be worthwhile to contact the insurance provider directly to understand the process of filing a claim. Sometimes, employer disability plans may provide benefits while waiting for SSDI approval or can even be coordinated with SSDI benefits.
Consult a Social Security Advocate or Attorney: Navigating the disability application process can be complex, and many applicants face initial denials. Consulting a disability advocate or attorney can be helpful. They can provide insights on how to strengthen the application and guide your brother through the appeals process if needed.
Financial Planning: Given your brother’s current financial situation, it’s important to create a budget to stretch his savings while waiting for benefits to kick in. Explore options for rent assistance or food support programs in your area that might help in the interim.
Mental Health Support: Ensure your brother receives ongoing support for his mental health. Therapy or counseling, along with medication management, can be beneficial in improving his overall well-being and functioning.
Stay Organized: Keep clear records of all communications, applications, and any documentation pertaining to his disability claims. This will be useful for both SSI/SSDI applications and any insurance claims.
Ultimately, the combination of applying for SSDI/SSI alongside exploring the employer’s disability benefits seems like a logical approach. The important thing is to act quickly, as the application and approval process for disability benefits can take time. Your brother’s health and well-being should remain the priority as you navigate these options.