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SSD approval...depressed and confused~
#1
Hi all:Smile,

It has been some time since I have checked in here, so I hope you are all doing well or at least behaving! (I know, what fun is that).

Well, at first try last November after applying for SSD, I was denied. My attorney wrote some letter requesting an appeal with " a decision on the record" so we didn't have to go to court I guess...well no answer. He sent another one on October 19th and we got a response on the 29th of October with a fully favorable decision on the record! So I have some very mixed emotions right now. I am taking this very hard, like another "final" in my life. Going through the motions were just that, nothing definite, if that makes sense. Now seeing this on paper makes me feel different.

Anyhow, my confusion is, of course I will have an offset because I still get weekly/biweekly checks from comp (no settlement yet) and I do not understand the 80% rule. I'm in NYS. If I read it correctly, I cannot collect more than 80% between both comp and SSD? Is that gross pay or net? I haven't even gotten my awards letter yet, so I am jumping the gun, but just curious as to how it begins or where I could possibly get some good information on it. The SSA.org site either doesn't spell it out for me, or I totally ccan't find it on there!!

Thanks a bunch! Have a great day!Smile
Live, Laugh, Love ~
 
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#2
it's based on Average Current Earnings.
there are different formulas depending on your circumstances:

Average current earnings” is the highest of:

Your average monthly wage upon which your un-indexed disability primary insurance amount is based (see Chapter 7);

Your average monthly earnings from covered employment and self-employment during the highest five years in a row after 1950; or

Your average monthly earnings based on the single calendar year of highest earnings from covered employment. This single calendar year can be the year that your disability began or any of the five years immediately proceeding the year your disability began.


once you get your awards letter you can ask SS to explain which/why they used and how the calculation was done
more here
http://www.socialsecurity.gov/pubs/10018.html

also see the handbook:
http://www.ssa.gov/OP_Home/handbook/hand...-0504.html
Reminder :
........Each state has their own comp system; POST YOUR STATE to get accurate information. Use the search feature to find information from similar questions.
THANKS FOR POSTING.
 
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#3
Sonny I remember the relief of being approved for SSDI but a sadness that came with it due to the disability.
In a way I looked at that approval for SSDI as being forced to accept my disability.
 
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#4
(11-06-2011, 11:33 PM)Bummer Knees Wrote: Sonny I remember the relief of being approved for SSDI but a sadness that came with it due to the disability.
In a way I looked at that approval for SSDI as being forced to accept my disability.

Yes Bummer, that is exactly what I am going through right now! Being forced to accept the disability. I am 41 yrs. of age, worked since age 14,15. (not counting all of the babysitting at age 12 and up) plus went to college part time and sometimes full time while working full time. Or working 2 jobs. As I stated, going through the application process was not a reality for me, because it was lingering with no answer, them BAM....all alone with the mail and the decision. Life went about for everyone (as usual) and they were all like " oh comgrats, you should be so happy..blah blah blah" end of conversation...not realizing all of the emotions I have to go through. Maybe I am making more of it than I should be, but hey, this is my life I am talking about! It's like anything else, it will take time to adjust I guess...

Thanks!:Shy
Live, Laugh, Love ~
 
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#5
Sonny it is very important to reconize your feelings and to understand this is a very normal "feeling" although if you feel you are dealing with depression then I would suggest seeking help from a mental health specialist.

I am a firm believer in our emotions effects our health and our health effects our emotions. I have dealt with a little depression but it us usually when the pain levels are very high for a while, and when I do experience the depression I talk to my doctor about it. I have been involved in self help support groups for over 20 years and believe my experince in this area has helped with my emotional health.

Good luck and congrats on the SSDI.
 
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#6
Thank you for this threa....I spend a lot of time crying ....this helped knowing someone understands.
Stressed in Florida
 
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#7
(11-07-2011, 07:56 PM)SIF_Stressed In Fl Wrote: Thank you for this threa....I spend a lot of time crying ....this helped knowing someone understands.

severe depression is a common consequence of prolonged pain and serious health issues that force a major change in life condition.
it cannot be overcome without outside intervention from a medical professional. get a referral from your doctor for therapy and try out a few docs before deciding---it's very personal choice.
without help depression can become chronic and more disabling then the original injury.
Reminder :
........Each state has their own comp system; POST YOUR STATE to get accurate information. Use the search feature to find information from similar questions.
THANKS FOR POSTING.
 
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#8
Well said 1171 and I agree 100%. I am very fortunate to have a doctor who takes action and makes referrals for mental health services when his patients experience depression.
 
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#9
It's ok to be sad. I know when I was approved for SSDI I cried like a baby. Although I wanted/needed to be approved it was the fact my disabilities were validated. It was no longer me against the insurance company, I was recognized by someone else as broken. I feel your pain and I am happy for you while at the same time very sad. The fact ssa agrees you are disabled doesn't mean the end of your working life, it just means now you can do things at your own speed. {{{{{{{{{{HUGS}}}}}}}}}}
Tongue I am in NM
 
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#10
it doesnt have to mean the end of your working life.You now can use the SSDI to help you go back to work thru their "right to work program" retraining or going back to school if able, to do something different.
........I love cats, I just cant eat a whole one by myself......







 
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