Posted 17 April 2008 - 08:32 AM
I've been laid off for two years now from a full time teaching job. I've been substituting and most days that's fine. (except for winter fire drills, recess duty and stairs!!!) Anyway, I haven't found a full time job, and I'm not sure I can even handle a full time classroom anymore. I'm only 50, and it saddens me that my work life is so hard, my physical life is so hard, and I feel like such a financial burden on my dear hubby. He works so hard, and I have two kids in college and two teenagers at home! We're struggling mightily, and things are becoming desperate with the bills food, and gas prices eating up our income.
I am seriously considering disability insurance. BUT, I'd like to leave the door open for some substituting or maybe a part-time desk job, just to get out of the house to go somewhere besides a doctors visit! I get really depressed when I'm home too much alone.
Can I do partial disability? Is there such a thing? Do I need a lawyer? What's the process? Thanks all..I know you guys "get it".
Posted 17 April 2008 - 08:53 AM
Best of luck to You!
Posted 17 April 2008 - 08:57 AM
It is my understanding that if you get disability you can make up to $800/mo if you decide to work additionally. You can start the process online or in person at your local SS office. You don't necessarily need a lawyer, some say you do. I got SSD the first time without one.
You can deprive the body but the soul needs chocolate
my HMO makes me wear a helmet...
Posted 17 April 2008 - 09:17 AM
Peanut said pretty much what I was going to say, I don't know about partial disability, but you can go on regular disability and are allowed to make a certain amount of money per month, I think the amount varies from state to state. I beleive in NY it is $600 but I could be wrong.
You don't need a lawyer unless you are denied benefits and want to contest the descision. I was thankfully approved on the first try, but I do have to have yearly reviews. Some have longer periods between reviews based on the illness and severity.
Good luck to you.
Posted 17 April 2008 - 09:07 PM
I'm with peanut and karenlee. Go for the full disability and I do believe you can work some hours with that.
I go Wednesday to meet with the State doctors and expect a decision in May. Apply now, because it takes anywhere from 4-6 months for a decision. They will pay you retro from date of disability. Apply on-line. It's a tedious and hours long application, but they do give you a re-entry number if you get tired and want to quit for the night.
When you submit, they usually call you the next day to confirm.
It is what it is...........
Posted 19 April 2008 - 12:05 PM
I've got a similar situation. I've recently gone down to working part-time, by mutual agreement with my employer. However, I need to research the partial disability issue, because there's no way that I can work full-time.
Posted 21 April 2008 - 11:38 PM
I have read your post with much interest because I find myself in a similar situation. I have been teaching for 30 years and 16 months ago had to come off work due to my health. I have not managed to return and have been dismissed on capability grounds due to ill health which has left me feeling a burden on my husband who now has to support me along with 1 daughter at university and the other who has started a new job but has also got engaged & wanting to find a house of her own so we would desperately like to help but since I can't work it has made things very difficult. I am looking at trying to get early retirement, I have the full support of my general practitioner and the OH doctor will support me but he is waiting for a report from my consultant(which I'm not hopeful about because he isn't very supportive & has done little for me). I did try doing some part time teaching before I came off work completely but found that too much.
I am in the UK so I can't help you with partial disability but I hope you find the answers you need soon. Do let me know how you get on.
Posted 22 April 2008 - 07:04 AM
I hope you are successful at getting full retirement... after 30 years, you very much should be entitled to it, if anyone is.
I wish you the very best as work on this... please keep us posted?
Posted 24 April 2008 - 01:08 AM
I have been on SSD for about two years now. I applied in January 2006 and was approved in July 2006 when I got my first check. There is a six-month waiting period and during that time you CANNOT work at all.... however once you are approved, you may work and earn a small amount, but if you start earning what they consider 'significant income' you start losing your benefits. Yes it varies from state to state. Here it's about $900 a month, and that's gross amount, not net. Not a whole lot but enough to keep you sane.
I did not work at all until about a year ago, when I went to work part time with an employer who was VERY understanding. Currently I am attempting a 'trial work period' which means that with the permission of the SS, I am going back to work almost full time again. They will let me work for nine months and earn however much I can without affecting my SSD benefit. If I can't do it, I lose nothing. If, at the end of nine months I find I can go back to work successfully, my benefits will end. I asked them if I did work for, say, a whole year and then couldn't any more what would happen, would I have to go through all the same application processes again, and they said it depends on the reason you went out on SSD in the first place. I imagine that because our disease is chronic and progressive, it's not like the disease will disappear and reapplying won't be the same ordeal.
I find that the local SS office has been very helpful and understanding. Maybe I just lucked out, you never can tell.
The process of applying varies from person to person but as a general rule I found that getting all your doctors to back you up is helpful. Mine were wonderful and cheerfully and quickly filled out their parts, and made sure I got copies of everything.
Good luck to all and enjoy the day. Love, Mary