Social Security Disability Insurance

SSDI is based on your work history. You need enough work credits, earned by paying Social Security taxes, and those credits generally must be recent enough. Your condition must prevent substantial work and be expected to last at least a year or result in death. Mesothelioma often meets the medical standard, but the work credit requirement still applies. Some family members, such as a spouse or dependent children, may also receive benefits based on your record. Social Security can explain your specific eligibility.

You can apply online, by phone or at a local Social Security office. Include your diagnosis date, pathology report, treating doctors and hospitals, and a list of medications and treatments. Because mesothelioma is on the Compassionate Allowances list, clearly stating the diagnosis and providing pathology results helps the application get flagged for faster review. Keep copies of everything you submit and note your application confirmation number. A social worker or disability advocate can help if forms feel overwhelming. Answer questions about daily limitations honestly and in detail, since they help reviewers understand how the illness affects your ability to work.

SSDI typically has a waiting period of several months before monthly payments begin, counted from when disability started. Medicare coverage generally begins after a longer period of receiving disability benefits, which is why other coverage matters in the meantime. Benefit amounts depend on your earnings history. If you return to work or your condition changes, you must report it. Some settlements or other income may not affect SSDI, but report changes and ask Social Security if you are unsure. Social Security sends a letter explaining your monthly amount and start date, so keep it with your other benefit records.

1. 1

   Apply for SSDI as soon as you stop working or expect to stop because of mesothelioma.

2. 2

   Include your pathology report and clearly state the mesothelioma diagnosis on the application.

3. 3

   Keep copies of every form and write down your application confirmation number.

4. 4

   Ask a social worker or disability advocate to review your application if you need help.