Hello all! My husband is looking at going on disability. Are any of you on it? Did I read correctly- if you make over $25,000 household income- 85% of the disability is taxed! That is unbelievable!
Social Security Disability Question - Advanced Prostate...
Social Security Disability Question
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acuphealing
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54 Replies
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Assuming you are married, the threshold is 32k before taxes kick in. I'm assuming your husband didn't get LTD insurance through work....that I believe in not taxable if the premium is paid after tax.
If he did, he should pursue that avenue first and then apply for SSDI ( you can do both).
cesces in reply to
Almost all ltd insurance requires insureds to first apply for government disability before receiving ltd payments, from which the disability payments are deducted.
in reply to cesces
That is incorrect. They require you to apply for SSDI after some period of time while on LTD. They (LTD insurance) then subtracts the SSDI amount from the LTD amount.
Well, it is quite amazing that despite dolling out Trillions like it's candy, there has been no part of the discussion about pumping finding into the VA or SS administrations... No bump for retirees and I'm sure in another year or so you'll hear the drumbeats about how it's insolvent again! The entire Tax the retiree mentality is completely wrong, IMO of course! This is what you worked your whole life for and you should be able to enjoy it absent any additional obligation "TO" your Gov't! It should all be the other way.
Good Luck and Best Regards
Statistically, most of the retirees who need this money reliably vote for the very politicians most dedicated to defunding it.
Mostly these older voters suffer from what was refered to as "white rage" in a recent Congressional hearing by General Millie (sic?).
They prioritize xenophobic anger and resentment against benefits that might go to "undeserving" minorities instead of voting in the best economic interests of themselves and their families.
Strangely, Appalachia, which has an inordinate number of fraudulent disability claims by poor whites, also evidences high levels of this voting pattern.
Crazy lol
My understanding is that generally, government disability payments aren't large, typically on the lower end of $1k to $2k per month.
True- every little bit helps.. as a nurse- my salary is pretty good but we also rely on hubby’s salary, too
I believe taking that route will reduce your long term ssa payments.
Instead of the amount you would otherwise get by waiting untill 70 years old, you will get a much smaller early retirement amount.
Call SSA to confirm the details.
While this subject is a politically charged one, we are fortunate to live in a country that provides such generous benefits to those with disabilities and retirees with SS.Current recipients get favorable benefits.
Our children and grandchildren will not be so fortunate. While the system will endure our children will receive about 75% of the benefits we do or they will pay substantially higher taxes.
It's not so generous.
It's underfunded because of a successful long term campaign by one party to do so.
For instance just removing the $160k (or thereabouts) income cap on SSA tax would fix it just fine.
You want to protect SSA for your children. Real simple. Stop voting for the antidemocracy white rage party.
Solved.
Though I disagree with you, cesces, I applaud you for the way in which you articulated your opinion. Well done!
Thank you all for your comments- so appreciated!
I suggest that you register yourself on the SSA.Gov website. You will have access to all of your historical information, and you can figure out what your options are. I have a good deal of experience with the things being discussed on this thread. The helpful answers are incomplete.
Throughout my life, I needed to deal with many loved ones that had disabilities. My experience in Pennsylvania is there are numerous helpful resources and programs. My older brother had Down Syndrome and my Mom was actively involved as an advocate and lay leader in the community of individuals with developmental disabilities. I followed her example and continue to deal with it as an advocate for my 23-year-old autistic nephew.
My nephew is thriving, 10 months after his Dad passed away. There is nothing easy about it, but we have been successful in getting him targeted help that has improved his life.
If you want to reach out privately, I might be helpful to get you started.
Best
Philly
Thanks Philly! We may reach out! FYI - I am originally from Plymouth Meeting (left in 1987)!
in reply to acuphealing
What HS did you attend?
I live in West Norriton. Grew up in Audubon.
acuphealing in reply to
Wow- small world! Went to PW
in reply to acuphealing
What year did you graduate? I'm a Bishop Kendrick grad..1984
acuphealing in reply to
How neat! I graduated in 1981
in reply to acuphealing
A walk down memory lane...did you Senior week in Wildwood?
acuphealing in reply to
TomTom- I did go to Wildwood, also Avalon and grew up going to Ventnor and Margate! Great memories 🥰
in reply to acuphealing
I found this link for you. You never said if you husband has LTD thru work. If he does, here is some info. The nice thing about LTD is the payments are immediate and they'll help you with the SSDI.
Good luck.
in reply to acuphealing
Your husband will need to demonstrate thru medical records that he cannot work....that is a different animal than when someone is born with disabilities.
My wife went out on LTD back in 2003. She was required to apply for SSDI after 6 months....this is how I know the process and I'm sure it hasn't changed much. I know HD does provide LTD but not sure of its elected or part of the base benefits.
cesces in reply to
Cancer as a condition I believe will automatically qualify you.
in reply to cesces
No...its if you're disabled. Makes absolutely zero sense to apply ssdi first if one has LTD.
cesces in reply to
I could be wrong, but I distinctly remember there is a list of diseases and conditions that do not require the disability evaluation.
Having such a list makes sense.
Having cancer on that list may or may not make sense depending on your viewpoint.
But I am pretty certain cancer is on that list.
Though cancer is on the list, I had to prove that I was incapable of working, which required a lot of organized thinking on my part to prove, even though my TNM rating is 4TcN0M1
in reply to Scoofer33
My wife had oral cancer and was on LTD ands SSDI for 4-5 years. Those of us who have worked the SSDI system know..its why I advised the person to apply for LTD thru work. It's easier to get approved and they help with the SSDI approval process. People also don't understand that every 6 months there is a review to determine if the claimant is still disabled.
acuphealing in reply to
Thanks TomTom! We would except my husband’s work will make him pay LTD back- so we aren’t do that
in reply to acuphealing
I think you are misunderstanding what you are paying back. You are paying back the SSDI portion...which you will have when your husband is approved. Your first SSDI payment will include benefits from when your husband first went out on LTD.
By not applying for the LTD now. You will be waiting at least 5 months for SSDI to approve and you will have no money coming in.
But its your choice. Good luck.
in reply to cesces
Then it would qualify for LTD....but conditions are not reasons for disability. Its if your able to do your job. I'm done here. I know first hand what I'm talking about.
cesces in reply to
Tomtom, everyone gets their own opinions here but not their own facts.
Sorry
++++++++++
"If you have been diagnosed one of the following cancers, you should automatically, medically qualify for disability benefits:
Esophageal cancer
Gallbladder cancer
Brain cancer
Inflammatory breast cancer
Liver cancer
Pancreatic cancer
Salivary cancers
Sinonasal cancer
Any small cell cancer
Thyroid cancer
Other cancers will need additional medical evidence to be approved.
For example, non-small cell lung cancer will typically need to be inoperable, have spread to another organ, or have returned despite three months’ chemotherapy or other treatment to qualify.
All cancer listings can be found in Section 13.00 of the SSA’s Blue Book. Be sure to review the medical resource with your oncologist to get a good idea as to whether or not you’ll be approved."
cancersupportcommunity.org/...
in reply to cesces
Well..I can only assume you do not understand the difference between should and shall
cesces in reply to
Tom
You are grasping at straws.
1. "Cancers that are aggressive or historically hard to treat will qualify with just a diagnosis. "
2. My original statement was heavily qualified for a reason.
But it took me a 3 minute Google search to confirm that you were in error.
You said you were moving on. That was also untrue.
Me thinks you are beating a dead horse.
Please consider admitting error, and then move on.
Thank you
I was in Mt Airy until i was 13, then moved to the western suburbs. I went to Harriton. Class of '71.
in reply to Philly13
Those mainline schools confuse me..I know where Conestoga. Radnor, Lower Merion and Haverford are. Where does Harriton fit in? Are you further down Lancaster Ave/Rt30?
Philly13 in reply to
Hahaha. Harriton is on North Ithan Ave. The town is called Rosemont. The roads around the property are Old Gulph Rd. to the west. Rte 320 (Spring Mill Rd) to the North. Morris Avenue to East. The intersection of Old Gulph and North Ithan is a crossroad of 3 towns. Bryn Mawr, Villanova, and Rosemont. Gladwyne is a block away. Villanova University is probably about 1 mile away.
It was opened in 1958 as a campus-style school modeled on California schools. Baby-boomers bulge in population overwhelmed Lower Merion High School and Harriton was born. My graduating class was 256 students. A campus-style school meant we walked outside between buildings. That always seemed ridiculous in a mid-Atlantic location. We arrived at gym or the lunchroom wet or cold on days with bad weather.
The class of '71 included Andy Hertzfeld who was among the initial group of Apple geniuses and Larry Summers who became Treasury Secretary, dean of Harvard, etc. There were a few other prominent alumni in our small class. Andy is a good friend. I used to frequently travel internationally for work. I randomly ran into Larry Summers in South America and Eastern Europe when he was president of the world bank in the '90s.
Andy was featured in the Steve Jobs movie, and the actor who played him captured his speech patterns and body language perfectly. There is a famous scene in the film where Jobs shouts at Andy Hertzfeld that the universe was made in seven days. "Well," replies Hertzfeld, "someday you'll have to tell us how you did it."
Specific answer to your geography question is that Harriton is between Lower Merion and Radnor and a block or 2 east of Montgomery Ave.
Philly
in reply to Philly13
Knew Summers was from the Mainline..didn't know about the other fella. I prefer Milton Friedman for economics than Larry Summers.
Very cool! We lived in Mt Airy from 1963-1965! Small world!
We lived there until 1967. Upsal St near Stenton Avenue. Went to A B Day School. Then Leeds Junior High School for 1 year.
I have fond memories of the life we lived. It was like a Neil Simon play. I did not like moving to the suburbs. I was so independent in the neighborhood with row houses. I did not need Mom and Dad to organize activities or transport me. My bicycle got me everywhere I needed to go to play ball, visit a friend, etc. The suburbs made me dependent on a ride and organized sports. I got used to it, but thought independence was a better system.
Sounds like a fantastic upbringing! Hmm- since there are a few of us here from the Philly area (my hubby, too originally)- wonder if the prostate cancer rates are higher in that area? I know MS rates are!
I don’t know that area where you were at all, unfortunately but it does sound like it was a great place to grow up in!
SS and disability are somewhat 2 different systems and silos of funds, but SS itself is such a cinch to fix financially, but not with the public(represented by our politicians).It takes a little pain on all sides, but no one wants to give an inch.
Solution for the next generation is:
1) Slightly raise the age of eligibility for SS gradually for all those under the age of 55 right now.
2) Slightly raise the SS tax on employer and employed now.
Fixed, done.
Yet, this football will get kicked down the field because it is too difficult to touch until the SS fund is dangerously underfunded and then our kids and grandkids will get benefit cuts and or much higher taxes.
We are fine, they are not. Shame.
in reply to 1Ubspaine
Pay more for the same benefits..nice.
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