Step 1. Have heart attack or bout of Pulmonary Edema that puts you in the hospital.
Step 2. Do not return to work, I repeat, do not return to work.
Step 3. File for State Disability. One year is almost a gimmie, particularly in blue states.
Step 4. While on State Disability, get a lawyer and file for SSDI, not SSI but SSDI. They are different. The lawyer fee is set by SS, so dont’ sweat it, just get one of those guys that specialize in SS.
Step 5. Save money. SS will take months to complete but they’ll back pay you to the date of filing.
Step 6. Pay the state back the disability insurance they’ve paid that overlaps with SSDI when approved. The lawyer’s fee will be deducted from your Lump Sum back payment from SS.
You’ll die before your cardiologist and doctor recommend SSD. Push the issue with the lawyers. All you need are medically certified conditions, you dont’ need *your* doctors, cardiologist approval, just the list of conditions.
For CHF people, know your Ejection fraction. SSDI is like a gimmie when you’re below 28%.
Yup. Its very degrading and most people will just go the SSI route which is far easier.
The burden is on you to prove you’re disabled and lawyers will take a major chunk out of your SSDI payment. Its not considered entitlement so that’s why its so strict.
Because of the high bar due to cheaters I have watched several people become sicker and die while waiting. Then the cases are mooted.