We filed for coverage with SS twice, have been asked to file on behalf of welfare several times. Both times we applied we were turned down, one time accepted. The reason was the same for both times we were turned down. Let me explain…
First time, he was approved, but not approved. The paperwork said his condition was lifelong and debilitating. BUT, because he was medicated and his condition was under control (no major symptoms for a period of time), he did not qualify. If our income decreased, he would qualify.
I cried, because it was the first time I read in print, with my son’s name (the one we spent months deciding on, our baby!!) and his dx, and his future prognosis. I cried, and cried. My husband was working in another State, and I only could talk to him a few minutes several evenings a week. Son was having major issues in school, but was not considered in need of financial assistance. (He got every sickness, medication issues were constant, and the bills were through the roof!)
Husband lost his job, and we were informed that sons medication (just one) was over $800 per month. Total medication cost exceeded $1100 per month.
I contacted SS, and he was approved. Boom…check arrived.
Husband went on unemployment, we reported. Checks still arrived.
Husband got another job…we reported. I sent in documentation and telephoned representative.
TWO months later, we get a bill. For “over payment”. We were also dropped from SS.
We repaid…that was fun.
Later, we sought SS again. He was denied. We knew he would be, as husband made too much money. BUT, the state at the time needed him to be denied, so the state could cover his medication cost. It’s a dance you have to play, they need the refusal documentation, but were able to pay for meds that my husbands insurance could not cover.
I’ve been told to continue to follow testing measures, etc, keeping documentation. When he turns 18, we’ll need it to get him on SS.
I’m confused STILL by this subject. I know I have some facts wrong, as the world of SS does not seem to make sense to me. I talk to lawyers, and listen, and apply…it seems to come back to husbands income. I had one representative tell me to DIVORCE husband, file independently and son will qualify. Had a lawyer recommend this too. The lawyer had clients who did this. I’m not comfortable with this direction at all. Our relationship has been through enough without adding this. Even if we don’t “mean” it.
Just our journey. Every time we move, I pack and drag these documents with me. Each time they want to know what State I filed in last time? Would I please file again…they need the denial for this or that.
We’ve been fortunate in that husband really, really pushes for GREAT medical coverage with each employer. We learned the hard way to look at all the little components of insurance coverage. (I’m still learning.)