scared and broke
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scared and broke
| Thu, 05-22-2008 - 8:57am |
Oh gosh, where to start. I am 62 and getting ready to have both knees replaced and suffer from debilitating arthritis. My
| Thu, 05-22-2008 - 8:57am |
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Hi Scared and broke .
I know what you are feeling like.
Thought I'd chime in here since I know a little something about disability in IN. My mother applied for it a few years ago so we've been thru the process.
Musiclover's right, you need to get a letter from your doctor stating you can't work to apply. You also have to be off work for a year before you can apply. After filling out alot of paperwork, they'll have their own drs look at you and see what they have to say. If they think it's possible that you can eventually go back to work you may be turned down at first. You can always appeal it--I've seen people get it on appeal. It's worth a shot--worse they can do is say no.
As for this being a hard state to get disability? I've seen some people get it easily that I wouldn't have thought would, and vice versa. I think it depends on the dr and the documentation you have. When filling out paperwork--tell them everything about your health. It's a pain, but the more details you have there, the better your chance of them thinking you should get it.
Also, if you know someone who's been thru the process already, ask them to help you fill out paperwork--there's alot to fill out!
And as for Social security--there's no rule that says you can't retire before your husband does. You've been married long enough to get benefits based on his income over the years. That would be another venue to look into.
Hope that helps!
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