This is from DI & SSI Program Participants: Characteristics & Employment, 2015, which Social Security recently released.
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Note that disability usually does not arise like a thunderclap just before a claim is filed with Social Security. There is often a period of declining work activity that extends back several years. Illness sneaks up on people. They think they'll get better and often they do but sometimes their health just keeps declining as they age. People are not eager to file Social Security disability claims. They try to put it off as long as possible. By the time they file a claim, they're often at the end of their rope physically, mentally and financially.
And often at the end of or past their DLI.
ReplyDeleteThe worst part of the stigmatization of disability filers is that often we see them as a last resort after years of getting by with help from friends/family on reduced lifestyles. And at that point....they're no longer insured because their work wasn't recent enough.
ReplyDeleteAnd often they have just enough SGA there in one burst that we can't take them back to before their DLI, even with an unsuccessful work attempt or averaging. And even worse, a lot of times they still have one resource they're clinging to that makes them SSI ineligible.
And then you have the opposite problem- someone who is toughing it out but knows they can't do it much longer, and can't file because they're still working over SGA.
Exactly the story with me
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