Allsup Outlines Five Critical Issues for Caregivers Preparing to Take on Financial and Healthcare Respon... (s-by-Disability/General-Guidelines.aspx ...)

Allsup Outlines Five Critical Issues for Caregivers Preparing to Take on Financial and Healthcare Responsibilities

Date:8/19/2008

s-by-Disability/General-Guidelines.aspx" target="_blank">http://www.allsup.com/About-SSDI/SSDI-Guidelines-by-Disability/General-Guidelines.aspx [eligible for SSDI]. To qualify, a person must have worked and paid into the program for five of the last 10 years; been disabled before reaching full-retirement age (65-67) and meet Social Security's definition of disability. The Social Security Administration (SSA) uses a process called sequential evaluation to determine who receives benefits.

Any caregiver responsible http://www.allsup.com/About-SSDI/SSDI-Process.aspx [for securing SSDI benefits] should understand that it's a complex and time-consuming process and can take several years to complete. Organizations like Allsup, however, can http://www.allsup.com/Allsup-Representation/Who-We-Are.aspx [facilitate the SSDI application process] and ensure the individual begins receiving SSDI benefits as quickly as possible.

"Two-thirds of SSDI applications are rejected and the average time it now takes, from initial application through appeals, to get an award is two to four years. Given all the responsibilities a caregiver has, getting help from a representative reduces the burden substantially," said Gada.

Determine health insurance coverage

If the individual was employed immediately before becoming disabled, the caregiver may look into helping him or her secure http://www.allsup.com/Financial-Matters/Managing-Healthcare-Costs/COBRA-Coverage.aspx [COBRA] coverage. COBRA coverage can continue for up to 18 months after employment ends. This may be extended by an additional 11 months if an individual is awarded SSDI benefits.

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