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Partial Disability?


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8 replies to this topic

#1 KarenL

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Posted 17 April 2008 - 08:32 AM

Hi all,

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".

Peace,
Karen

#2 Guest_Sadie_*

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Posted 17 April 2008 - 08:53 AM

Karen, I'm sorry that I don't have any answers for you. Sounds like that would be good for you to do. I wish I could help you out someway. Maybe others will chime in.
Best of luck to You!
Sadie

#3 peanut

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Posted 17 April 2008 - 08:57 AM

Hey Karen,
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.

peanut

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#4 Karenlee

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Posted 17 April 2008 - 09:17 AM

Karen,

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.
Karen

#5 truman

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Posted 17 April 2008 - 09:07 PM

Karen:

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.

Linda
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#6 CraigR

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Posted 19 April 2008 - 12:05 PM

U.S. Social Security does not allow for partial disability - but I think that you can make a fairly small income and still qualify when taking full disability. You might try entering "social security disability" into a search engine. You will find the information. The states probably have different rules. Some employers have additional disability insurance.

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.

Craig

#7 Buttons

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Posted 21 April 2008 - 11:38 PM

Karen
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.

Jensue

#8 debonair susie

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Posted 22 April 2008 - 07:04 AM

Oh jensue,
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?

Hugs,
Susie
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#9 MaryFanPhilly

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Posted 24 April 2008 - 01:08 AM

Hi Folks,
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
Diffuse sclero; diabetes; hypertension; GERD with Barrett's