I was only diagnosed with TN 6 weeks ago... However it can be traced back almost 15 years.
This will sound kind of harsh I suppose, but I want to give it to you straight:
Apply immediately. It can take years to be approved. In the meantime you will be treated so differently; if you've had a fairly 'normal' life before, prepare to make peace with it, it's gone. I'm 52 and been on disability for 7 years. Was the breadwinner in my family for 25 years; then my brain started having these weird storms, went from 3 migraines a month to 3-4 a month, onset fibromyalgia and degenerative disc disease. Overnight went fron running an IT helpdesk center to not being able to do simple math.
It took 3 months to replace me at work and 3 people to take over what I did. Then the fight for disability began, not having a clue it was brutal. My first denial came a week before Christmas. My husband and I gave each other pictures of what we would get each other if we had any money, that's how broke we were. I had to cash out my IRA anyway since if you are on disability you can't have any assets; my second denial came the following summer. I had a lawyer that specialized in fibromyalgia and the 3 inch thick medical file I had was not enough (most doctors will discuss disability with you in general but don't want to get involved since they can be called to a hearing, so they won't sign anything legal.)
By the hearing it was the following April and we had already filed bankruptcy. In front of a judge I was asked two questions and he just looked around and asked why the heck he was there and why I had been kept waiting so long. Getting three years of backpay helped pay some back bills but wasn't enough to save the house, marriage, etc.
Now 3 years later I am in a public housing barbie sized apartment, make 30% below poverty but $100 too much for ANY assistance whatsoever. I do get medicare but have to pay for it of course, plus the additional prescription insurance, med bills, etc.
It took over a year to grieve my old life and accept the new one. Being alone for the first time in my life (the kids all moved to other states during those early years) has been tough to learn, especially cooking for one. Being social is hard.
I just started going back to college since I have done life coaching over the past several years helping people in trauma and find the most rewarding is working with people going through this type of change; there is just no real information for this type of situation, when it hits everyone goes on with their life and you feel forgotten. It's so important to find out as much as possible about what to expect, it will soften the blows since we already deal with so much.
Feel free to contact me if you would like any inforamation.
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