What's new
By:
Filters
Cystic Fibrosis Forum (EXP)

This is a sample guest message. Register a free account today to become a member! Once signed in, you'll be able to participate on this site by adding your own topics and posts, as well as connect with other members through your own private inbox!

Disability Benefits + Insurance

I

Isabella

Guest
Hey everyone,

I am in a state of flux and dont know what to do about insurance. I am currently covered under the Michigan Crippled Children's insurance (they changed the name to something more politically correct but I cant never remember it). This covers anything CF related, but nothing else.

My parents are about to take me off of their BCBS. So I will not be covered for things like car accidents and what not.

To complicate things I am moving to Spokane, Washington. I am not yet "officially" moving (like changing my residency, getting a washignton drivers license, etc...) because I want to keep the Michigan insurance, since it's the only insurance I will have.

But I think it would be more beneficial to try and get disability benefits, which I believe gives you medicare.

Does anyone know how to go about doing this? Particularly in Washington. What are the qualifers I need to meet? And any ideas on a timeline of how long it would take to get coverage?

Thanks in advance for any advice!
 
I

Isabella

Guest
Hey everyone,

I am in a state of flux and dont know what to do about insurance. I am currently covered under the Michigan Crippled Children's insurance (they changed the name to something more politically correct but I cant never remember it). This covers anything CF related, but nothing else.

My parents are about to take me off of their BCBS. So I will not be covered for things like car accidents and what not.

To complicate things I am moving to Spokane, Washington. I am not yet "officially" moving (like changing my residency, getting a washignton drivers license, etc...) because I want to keep the Michigan insurance, since it's the only insurance I will have.

But I think it would be more beneficial to try and get disability benefits, which I believe gives you medicare.

Does anyone know how to go about doing this? Particularly in Washington. What are the qualifers I need to meet? And any ideas on a timeline of how long it would take to get coverage?

Thanks in advance for any advice!
 
I

Isabella

Guest
Hey everyone,

I am in a state of flux and dont know what to do about insurance. I am currently covered under the Michigan Crippled Children's insurance (they changed the name to something more politically correct but I cant never remember it). This covers anything CF related, but nothing else.

My parents are about to take me off of their BCBS. So I will not be covered for things like car accidents and what not.

To complicate things I am moving to Spokane, Washington. I am not yet "officially" moving (like changing my residency, getting a washignton drivers license, etc...) because I want to keep the Michigan insurance, since it's the only insurance I will have.

But I think it would be more beneficial to try and get disability benefits, which I believe gives you medicare.

Does anyone know how to go about doing this? Particularly in Washington. What are the qualifers I need to meet? And any ideas on a timeline of how long it would take to get coverage?

Thanks in advance for any advice!
 
I

Isabella

Guest
Hey everyone,

I am in a state of flux and dont know what to do about insurance. I am currently covered under the Michigan Crippled Children's insurance (they changed the name to something more politically correct but I cant never remember it). This covers anything CF related, but nothing else.

My parents are about to take me off of their BCBS. So I will not be covered for things like car accidents and what not.

To complicate things I am moving to Spokane, Washington. I am not yet "officially" moving (like changing my residency, getting a washignton drivers license, etc...) because I want to keep the Michigan insurance, since it's the only insurance I will have.

But I think it would be more beneficial to try and get disability benefits, which I believe gives you medicare.

Does anyone know how to go about doing this? Particularly in Washington. What are the qualifers I need to meet? And any ideas on a timeline of how long it would take to get coverage?

Thanks in advance for any advice!
 
I

Isabella

Guest
Hey everyone,
<br />
<br />I am in a state of flux and dont know what to do about insurance. I am currently covered under the Michigan Crippled Children's insurance (they changed the name to something more politically correct but I cant never remember it). This covers anything CF related, but nothing else.
<br />
<br />My parents are about to take me off of their BCBS. So I will not be covered for things like car accidents and what not.
<br />
<br />To complicate things I am moving to Spokane, Washington. I am not yet "officially" moving (like changing my residency, getting a washignton drivers license, etc...) because I want to keep the Michigan insurance, since it's the only insurance I will have.
<br />
<br />But I think it would be more beneficial to try and get disability benefits, which I believe gives you medicare.
<br />
<br />Does anyone know how to go about doing this? Particularly in Washington. What are the qualifers I need to meet? And any ideas on a timeline of how long it would take to get coverage?
<br />
<br />Thanks in advance for any advice!
 
S

Skye

New member
Bella....I will TRY to answer some of your questions. Applying for disability can be a lengthy process. There are three CF criteria that are used to determine disability....you must meet at least one. Yes, if you qualify for disability you qualify for medicare. Depending on how much money you make, you may have to pay around $100 per month for it; however, I believe the most valuable piece of medical coverage is your prescription drug plan and it is my guess that it is severely lacking with medicare. Others may know better. Also, once you qualify for disability, you have to wait 24 months to start receiving medicare benefits. Don't know why....that is just how it works. You are also severely limited in how much money you can earn per month!! You have to consider that. Hope this helps.
 
S

Skye

New member
Bella....I will TRY to answer some of your questions. Applying for disability can be a lengthy process. There are three CF criteria that are used to determine disability....you must meet at least one. Yes, if you qualify for disability you qualify for medicare. Depending on how much money you make, you may have to pay around $100 per month for it; however, I believe the most valuable piece of medical coverage is your prescription drug plan and it is my guess that it is severely lacking with medicare. Others may know better. Also, once you qualify for disability, you have to wait 24 months to start receiving medicare benefits. Don't know why....that is just how it works. You are also severely limited in how much money you can earn per month!! You have to consider that. Hope this helps.
 
S

Skye

New member
Bella....I will TRY to answer some of your questions. Applying for disability can be a lengthy process. There are three CF criteria that are used to determine disability....you must meet at least one. Yes, if you qualify for disability you qualify for medicare. Depending on how much money you make, you may have to pay around $100 per month for it; however, I believe the most valuable piece of medical coverage is your prescription drug plan and it is my guess that it is severely lacking with medicare. Others may know better. Also, once you qualify for disability, you have to wait 24 months to start receiving medicare benefits. Don't know why....that is just how it works. You are also severely limited in how much money you can earn per month!! You have to consider that. Hope this helps.
 
S

Skye

New member
Bella....I will TRY to answer some of your questions. Applying for disability can be a lengthy process. There are three CF criteria that are used to determine disability....you must meet at least one. Yes, if you qualify for disability you qualify for medicare. Depending on how much money you make, you may have to pay around $100 per month for it; however, I believe the most valuable piece of medical coverage is your prescription drug plan and it is my guess that it is severely lacking with medicare. Others may know better. Also, once you qualify for disability, you have to wait 24 months to start receiving medicare benefits. Don't know why....that is just how it works. You are also severely limited in how much money you can earn per month!! You have to consider that. Hope this helps.
 
S

Skye

New member
Bella....I will TRY to answer some of your questions. Applying for disability can be a lengthy process. There are three CF criteria that are used to determine disability....you must meet at least one. Yes, if you qualify for disability you qualify for medicare. Depending on how much money you make, you may have to pay around $100 per month for it; however, I believe the most valuable piece of medical coverage is your prescription drug plan and it is my guess that it is severely lacking with medicare. Others may know better. Also, once you qualify for disability, you have to wait 24 months to start receiving medicare benefits. Don't know why....that is just how it works. You are also severely limited in how much money you can earn per month!! You have to consider that. Hope this helps.
<br />
<br />
 
I

Isabella

Guest
skye, do you know what the 3 criteria are?
i dont work, and will be in a low income house so that shouldnt be a problem. but i figured there was a wait period to start receiving benefits. that makes it a mute point anyway, as i will be married by then and under my husbands insurance.
thanks for the info!
 
I

Isabella

Guest
skye, do you know what the 3 criteria are?
i dont work, and will be in a low income house so that shouldnt be a problem. but i figured there was a wait period to start receiving benefits. that makes it a mute point anyway, as i will be married by then and under my husbands insurance.
thanks for the info!
 
I

Isabella

Guest
skye, do you know what the 3 criteria are?
i dont work, and will be in a low income house so that shouldnt be a problem. but i figured there was a wait period to start receiving benefits. that makes it a mute point anyway, as i will be married by then and under my husbands insurance.
thanks for the info!
 
I

Isabella

Guest
skye, do you know what the 3 criteria are?
i dont work, and will be in a low income house so that shouldnt be a problem. but i figured there was a wait period to start receiving benefits. that makes it a mute point anyway, as i will be married by then and under my husbands insurance.
thanks for the info!
 
I

Isabella

Guest
skye, do you know what the 3 criteria are?
<br />i dont work, and will be in a low income house so that shouldnt be a problem. but i figured there was a wait period to start receiving benefits. that makes it a mute point anyway, as i will be married by then and under my husbands insurance.
<br />thanks for the info!
 
J

julie

New member
If you are approved for Social security disability it is a 5 month wait from the time you file to when you start recieving benefits. This is if you are one of the "lucky" ones who doesn't get denied and have to appeal.

Once you are approved for Social security disability, it is a 24 month wait from the day you are approved (NOT after the 5 month wait to get paid).

You can find the listing impairments here: <a target=_blank class=ftalternatingbarlinklarge href="http://www.ssa.gov/disability/professionals/bluebook/3.00-Respiratory-Adult.htm#3.04%20Cystic%20fibrosis
">http://www.ssa.gov/disability/...4%20Cystic%20fibrosis
</a>It's 3.04

C is usually the easiest listing to meet, followed by B, or a combination of B and C and A is usually the hardest. Then if you have digestive issues, there are those factors to consider too and you might want to check out: <a target=_blank class=ftalternatingbarlinklarge href="http://www.ssa.gov/disability/professionals/bluebook/5.00-Digestive-Adult.htm">http://www.ssa.gov/disability/...00-Digestive-Adult.htm</a> if you have digestive issues.
 
J

julie

New member
If you are approved for Social security disability it is a 5 month wait from the time you file to when you start recieving benefits. This is if you are one of the "lucky" ones who doesn't get denied and have to appeal.

Once you are approved for Social security disability, it is a 24 month wait from the day you are approved (NOT after the 5 month wait to get paid).

You can find the listing impairments here: <a target=_blank class=ftalternatingbarlinklarge href="http://www.ssa.gov/disability/professionals/bluebook/3.00-Respiratory-Adult.htm#3.04%20Cystic%20fibrosis
">http://www.ssa.gov/disability/...4%20Cystic%20fibrosis
</a>It's 3.04

C is usually the easiest listing to meet, followed by B, or a combination of B and C and A is usually the hardest. Then if you have digestive issues, there are those factors to consider too and you might want to check out: <a target=_blank class=ftalternatingbarlinklarge href="http://www.ssa.gov/disability/professionals/bluebook/5.00-Digestive-Adult.htm">http://www.ssa.gov/disability/...00-Digestive-Adult.htm</a> if you have digestive issues.
 
J

julie

New member
If you are approved for Social security disability it is a 5 month wait from the time you file to when you start recieving benefits. This is if you are one of the "lucky" ones who doesn't get denied and have to appeal.

Once you are approved for Social security disability, it is a 24 month wait from the day you are approved (NOT after the 5 month wait to get paid).

You can find the listing impairments here: <a target=_blank class=ftalternatingbarlinklarge href="http://www.ssa.gov/disability/professionals/bluebook/3.00-Respiratory-Adult.htm#3.04%20Cystic%20fibrosis
">http://www.ssa.gov/disability/...4%20Cystic%20fibrosis
</a>It's 3.04

C is usually the easiest listing to meet, followed by B, or a combination of B and C and A is usually the hardest. Then if you have digestive issues, there are those factors to consider too and you might want to check out: <a target=_blank class=ftalternatingbarlinklarge href="http://www.ssa.gov/disability/professionals/bluebook/5.00-Digestive-Adult.htm">http://www.ssa.gov/disability/...00-Digestive-Adult.htm</a> if you have digestive issues.
 
J

julie

New member
If you are approved for Social security disability it is a 5 month wait from the time you file to when you start recieving benefits. This is if you are one of the "lucky" ones who doesn't get denied and have to appeal.

Once you are approved for Social security disability, it is a 24 month wait from the day you are approved (NOT after the 5 month wait to get paid).

You can find the listing impairments here: <a target=_blank class=ftalternatingbarlinklarge href="http://www.ssa.gov/disability/professionals/bluebook/3.00-Respiratory-Adult.htm#3.04%20Cystic%20fibrosis
">http://www.ssa.gov/disability/...4%20Cystic%20fibrosis
</a>It's 3.04

C is usually the easiest listing to meet, followed by B, or a combination of B and C and A is usually the hardest. Then if you have digestive issues, there are those factors to consider too and you might want to check out: <a target=_blank class=ftalternatingbarlinklarge href="http://www.ssa.gov/disability/professionals/bluebook/5.00-Digestive-Adult.htm">http://www.ssa.gov/disability/...00-Digestive-Adult.htm</a> if you have digestive issues.
 
J

julie

New member
If you are approved for Social security disability it is a 5 month wait from the time you file to when you start recieving benefits. This is if you are one of the "lucky" ones who doesn't get denied and have to appeal.
<br />
<br />Once you are approved for Social security disability, it is a 24 month wait from the day you are approved (NOT after the 5 month wait to get paid).
<br />
<br />You can find the listing impairments here: <a target=_blank class=ftalternatingbarlinklarge href="http://www.ssa.gov/disability/professionals/bluebook/3.00-Respiratory-Adult.htm#3.04%20Cystic%20fibrosis
">http://www.ssa.gov/disability/...4%20Cystic%20fibrosis
</a><br />It's 3.04
<br />
<br />C is usually the easiest listing to meet, followed by B, or a combination of B and C and A is usually the hardest. Then if you have digestive issues, there are those factors to consider too and you might want to check out: <a target=_blank class=ftalternatingbarlinklarge href="http://www.ssa.gov/disability/professionals/bluebook/5.00-Digestive-Adult.htm">http://www.ssa.gov/disability/...00-Digestive-Adult.htm</a> if you have digestive issues.
 
You must log in or register to reply here.
Top