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SSI / SSDI Are Determined to be Confusing
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<blockquote data-quote="flutterby" data-source="post: 550039" data-attributes="member: 7083"><p>They have you apply for both because SSDI has that waiting period where they don't pay for 5 months after the date the person is found to be disabled. I don't know why they have that waiting period. It doesn't make sense - if you're disabled, you're disabled. In the event you were found disabled as soon as you applied, or your disability date wasn't back dated, SSI pays for the first 5 months then SSDI takes over. </p><p></p><p>The confusion comes in when they backdate the disability date prior to the date you filed. SSI doesn't go beyond the application date. So, in my case, even though I started getting SSI quickly, it was all deducted from my SSDI retro-pay. The letters were confusing as hell, but I didn't actually get both because SSI was essentially paid back by deducting it from my SSDI retro. SSDI found me disabled as of September 20, 2007, and SSDI benefits would have started March, 2008, so my retro pay went back almost 4 years by the time I received it. Since SSI doesn't go beyond the date of the application and only found me disabled as of the date I applied in 2009, what I received from SSI was deducted from SSDI retro. What was nice, however, is that I started getting money sooner because of SSI so I had cash on hand until I got the SSDI monthly and retro pay. It's confusing and hard to explain. It needs a powerpoint presentation or something. LOL!</p><p></p><p>One other thing, I think you have to be on SSDI for 2 years before you can get medicare. Since my disability date went back so long, I didn't have a waiting period, but Travis may have a waiting period (a year if they only took him back a year) before he can get medicare. Medicaid covers much better anyway.</p></blockquote><p></p>
[QUOTE="flutterby, post: 550039, member: 7083"] They have you apply for both because SSDI has that waiting period where they don't pay for 5 months after the date the person is found to be disabled. I don't know why they have that waiting period. It doesn't make sense - if you're disabled, you're disabled. In the event you were found disabled as soon as you applied, or your disability date wasn't back dated, SSI pays for the first 5 months then SSDI takes over. The confusion comes in when they backdate the disability date prior to the date you filed. SSI doesn't go beyond the application date. So, in my case, even though I started getting SSI quickly, it was all deducted from my SSDI retro-pay. The letters were confusing as hell, but I didn't actually get both because SSI was essentially paid back by deducting it from my SSDI retro. SSDI found me disabled as of September 20, 2007, and SSDI benefits would have started March, 2008, so my retro pay went back almost 4 years by the time I received it. Since SSI doesn't go beyond the date of the application and only found me disabled as of the date I applied in 2009, what I received from SSI was deducted from SSDI retro. What was nice, however, is that I started getting money sooner because of SSI so I had cash on hand until I got the SSDI monthly and retro pay. It's confusing and hard to explain. It needs a powerpoint presentation or something. LOL! One other thing, I think you have to be on SSDI for 2 years before you can get medicare. Since my disability date went back so long, I didn't have a waiting period, but Travis may have a waiting period (a year if they only took him back a year) before he can get medicare. Medicaid covers much better anyway. [/QUOTE]
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