My 58 y/o husband is laid off due to age and health problems should he apply for ssi?

My 58 y/o husband has several health conditions, heart failure, diabetes, hypertension, emphasyma. Actually there are more. He has been laid off 3 times since the age of 51.

He was diagnosed with the above conditions the year before. Presently he is laid off for 4 mos. With the promise from his boss that as soon as things improve (at work) he will be called back.

S field is flooded with out-of-work men half his age. I don't want him to be forced to take a low paying job that would pay less than his unemployment. He actually looks better than he sounds (although you can see his disability in his movement).

He is also on a great deal of medicine. Could he be a candidate for SSI? Should we start now.

The last 2 jobs he denied any health problems and I carried our health insurance. We know if he was honest about his health he would not get either job. On the other hand in a less competive economy he should be able work.

I don't let him sit around the house. Please help us. Asked by phab 27 months ago Similar questions: 58 husband laid due age health problems apply ssi Health.

Similar questions: 58 husband laid due age health problems apply ssi.

You may be confusing Social Security Disability with Supplemental Security Income Supplemental Security Income is for aged, blind, and disabled people who have little or no income and it provides cash to meet basic needs for food, clothing and shelter. Since you are working, my guess is your income level is too high to qualify for SSI. But, just in case, here is a Benefit Eligibility Screening tool that can determine if, in fact, you do qualify.

connections.govbenefits.gov/ssa_en.portal. It sounds like he may qualify for Social Security Disability, but this may take as long as a year and half to get the benefits, if he does qualify. The Federal Government takes forever to make a disability decision unless the condition is very serious.

And now that the economy is slow, SSA is swamped with all kinds of applications for benefits. Here are some problems you need to look out for and consider before applying. He was working and was laid off.

S boss said as soon as things improve he will be called back. Since he was working, Social Security will want to know why he was able to work 4 months ago and can't work now. So you have to prove he can't work and if he were called back he would not be able to return to work.

Does his doctor say he can't work at all. This is really important. If his doctor will not sign off that your husband's disability prevents him from working, there is no sense applying for SSD.

The key words here are "unable to work because of illness, injuries or conditions. " The Social Security Administration is very strict on the definition of disability. They will look back at your husband's work record and try to determine if his three layoffs since the age of 51 were because of him being unable to report to work because of health conditions and then being laid off, or laid off because of economic conditions.

They will look at what kind of work he did, how much he was paid, and other details about his previous jobs. Because his field is flooded with out-of-work-men half his age, he might not be able to find work. You need to be careful here because you are stating he might not be able to find work because there are people younger than him also looking.

According to Social Security, this means he is looking for and is able to work. In this case he will not qualify for SSD. If his doctor will sign off that he is unable to work, this is what he will need to have available for the Social Security Administration.

http://www.socialsecurity.gov/online/ssa-16.html. Once he qualifies for SSD he will receive a "Ticket to Work" that will allow him to try to go back to work while on disability. http://www.socialsecurity.gov/work/.You don't say how old he is now, but he can apply for Social Security retirement benefits at age 62.

If he decides to apply for unemployment benefits, remember, one of the conditions for applying for and receiving the unemployment benefits is, he must be actively looking for work. If he is actively looking for work, he will not qualify for SSD. I know this is real catch 22, but you need to make sure all your paperwork is in order before contacting SSA.

Here is a web site you can refer to with tips on how to apply for SSD. http://www.disabilitysecrets.com/ You need not worry about not telling his employers about his health condition. It is against the law to ask about his health or ask his age.

If his previous employers asked about his health, they were in violation of the law.

Hummmm.... Some folks with those conditions are disabled and some are not. In order to be eligible for SS disability, he will need to pass a rigorous exam testifying to the fact that he is disabled and unable to work. It is problematic that he has no evidence of his illness at work.

Ironically that can work against him. If he was able to work, then you are going to have to jump that hurdle first. You yourself say he could work in a less competitive system - not sure what that means but you cant play it from both ends.

Usually individuals go on disability from work and get 26 weeks of state disability. This is the prelude to long term disability through social security which can take as long as 2 years to get approval for. Under the law, your husband cannot be laid off due to age and cannot be laid off for illness unless it makes him unable to do his job at which point he should have filed for state disability.

Disability is not a high paid job under SS - look up the tables and see what your husband would collect so that you know what you are facing. This is a time when you want to be very straightforward about what you are saying to whom. I cant really tell, but it seems that you may accepted unemployment for him when he should have gone on disability...and actually begun the run up to SS disability.

I hope that this helps. Go talk to SS - they arent going to fine you. But be careful about not telling the truth - it won't help in the end, I don't believe.

Sources: retired hr dir .

It couldn't hurt for him to apply. Regardless of the out of work people half his age, I was under the impression that seniority counted for union gigs - otherwise, what's the point of having one? I suspect that if your husband were laid off for either health or age reasons, he would have a discrimination case against his employer.

However, if there are physical requirements for jobs and your husband lies about his condition to get jobs he wouldn't be qualified for otherwise, he could open himself up to a criminal fraud case. Are there any other skills that your husband has that would help him get a job in another field that might be less strenuous? In these perilous times, we have to be ready to adapt to whatever situations we come across.

I believe (you need to check the regulations in your state) if your husband accepts a position paying less than unemployment, he can continue to file until his benefits run out for the difference - check with your states UE office. The good news is that your husband only has less than 4 years until he can retire. Schelli's Recommendations Social Security, Medicare & Government Pensions: Get the Most Out of Your Retirement & Medical Benefits Amazon List Price: $29.99 Used from: $26.14 Average Customer Rating: 4.5 out of 5 (based on 6 reviews) Nolo's Guide to Social Security Disability: Getting & Keeping Your Benefits (including CD) Amazon List Price: $29.99 Used from: $18.60 Average Customer Rating: 4.5 out of 5 (based on 16 reviews) How to Get SSI & Social Security Disability: An Insider's Step by Step Guide Amazon List Price: $11.95 Used from: $9.76 Average Customer Rating: 4.0 out of 5 (based on 22 reviews) The Social Security Answer Book Amazon List Price: $14.95 Used from: $9.06 Average Customer Rating: 4.5 out of 5 (based on 3 reviews) Social Security, Medicare & Government Pensions: Get the Most Out of Your Retirement & Medical Pensions Amazon List Price: $29.99 Used from: $8.93 Average Customer Rating: 5.0 out of 5 (based on 2 reviews) .

Yes, you need to do that now! My husband is 46 with exactly the same health issues and he's also on dialysis. It took us about 6 months to get it approved and for him to start drawing a check.

Start with his primary doctor. He or she will need to start the paperwork! .

1 yes, start the paperwork now, because as everyone knows, government paperwork takes a long time and they will "lose" your papers multiple times, etc. And talk with your state/local Social services as well.

Yes, start the paperwork now, because as everyone knows, government paperwork takes a long time and they will "lose" your papers multiple times, etc. And talk with your state/local Social services as well.

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