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 became vested in the retirement system after five years. Everything was going well until he began experiencing severe sleep issues. Despite trying strong sleep medications, he couldn’t find relief, which I believe contributed to his depression. He used to be punctual and organized, but he changed dramatically.
Recently, in the last six months, he was diagnosed with major depressive disorder by two different psychiatrists. During this time, he has withdrawn from life, spending all day in his apartment, not working, and relying on takeout for meals. His laundry has piled up, and he struggles to get any sleep.
His former job offers disability benefits even if someone resigns or is terminated, extending for up to 72 months after separation—he left about six months ago. I accompanied him to his HR department, where both HR representatives and a benefits advisor were supportive and mentioned available programs that could keep him on the payroll and allow him to use his remaining sick leave. However, in response to their encouragement, my brother, with a flat affect due to his depression, expressed, “I just want out. I can’t work anymore.” As a result, he was marked as resigned. The benefits person provided us with information about both short-term and long-term disability insurance that my brother had enrolled in seven years ago, which we’ll need to review closely.
I believe his best option is to apply for both Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI). He qualifies for full disability with over 40 credits and has about $10,000 saved. However, with rent at $1,500 and car expenses around $600, his savings won’t last long. We are looking to secure SSI and/or SSDI benefits first and then explore the disability plan he’s still eligible for post-resignation.
I’m interested in your thoughts on this matter. I was unaware that major depressive disorder could lead to full disability benefits under both SSI and SSDI. Do you think it’s better to focus on SSI and SSDI first, given that they can more accurately classify his condition as “disabled,” rather than going through the insurance process first? Any guidance you could provide would be greatly appreciated.
I’m really sorry to hear about what your brother is going through. It sounds like you’re doing a great job looking out for him during this tough time. Here are some thoughts that might help guide you as you move forward with his disability applications and insurance options:
Understand the Application Process: Applying for Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) can be complex. It’s crucial to gather all necessary medical documentation that supports your brother’s diagnosis of major depressive disorder. This includes his treatment history, psychiatric evaluations, and any prescriptions he has received. It might also be beneficial for him to have supporting statements from his doctors about how his condition limits his ability to work.
SSI vs. SSDI: Since your brother has sufficient work credits, he can apply for SSDI, which is based on his work history. SSI is need-based and focuses on income and resources—if he has limited means, he might qualify for that as well. It’s often advisable to apply for both, as one may be approved faster than the other or they might provide different levels of financial assistance.
Consult with Professionals: Since navigating the application process can be tricky, consider consulting with a disability attorney or advocate who specializes in these cases. They can guide you through the paperwork, help gather evidence, and improve the chances of approval.
Short- and Long-Term Disability Insurance: In addition to pursuing SSI and SSDI, explore the short-term and long-term disability benefits offered through his former employer. These policies may provide crucial support while waiting for any government benefits to kick in. Be sure to carefully read through the insurance policy documents to understand the eligibility requirements and documentation needed for a claim.
Document Everything: Encourage your brother to keep detailed records of his medical visits, symptoms, and limitations. This documentation will be vital when applying for both government assistance and insurance benefits.
Mental Health Support: It’s essential for your brother to have ongoing mental health support. Look into therapy options, support groups, or community resources that can provide him with the help he needs during this challenging time.
Financial Assistance: While navigating these applications, consider looking into local resources that can help with immediate financial needs like food assistance, utility assistance, or temporary housing support. This can help ease the burden while he waits for his benefits to be approved.
Remember, the process can take time, so patience is key. It’s wonderful that you’re there to support your brother, and with the right steps, he can likely find the assistance he needs.