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Re: How do you work, keep a job, with Depression? » Katia

Posted by fallsfall on May 8, 2003, at 23:03:36

In reply to Re: How do you work, keep a job, with Depression?, posted by Katia on May 8, 2003, at 15:55:37

When I was out for 4 years, I was on Long Term Disability for the first 2 (they limit mental illness coverage - Arg!). LDT paid me 60% of my salary. I qualified for SSDI (Social Security Disability Insurance). It won't pay for the first 5 months, and will only cover you if you are/will be out for more than 12 months. It can take them a long time to approve you (then they pay retroactively). SSDI didn't pay nearly as much as LTD - it is figured on some formula that takes into account how much you have paid into the Social Security system, so each person is different.

If you (or anyone else) ever has an option to sign up for Long Term Disability, I recommend that you do! That is how you manage during the time that Social Security is trying to decide if they will pay your claim.

None of this is fun or easy. I didn't have a choice.

 

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