k&ajsmom Posted January 19, 2013 Report Share Posted January 19, 2013 Hi guys, I need some advice. I am drowning in debt due to being unable to work and bills piling up. I am uninsured and have medical bills that I nickel and dime but it is so overwhelming as Im sure most of u can relate to. I have considered bankruptcy however, I really dont wanna go that route and honestly I can afford the bankruptcy fees and it really doesn't fix the problem.My question is if I file for SSI should I wait ?I have had atonaumic dysfunction since childhood however it never challenged me in adulthood till this past June/july when POTS hit me. Matter of fact I didnt even have a pcp doctor cause I never was sick excpet ofr the occassional bonchitis or albuterol refill. I was diagnosed in the hospital in October and really havent had any other testing since, just a lost pcp doctor whom I have kinda given up on. I have a specialist appointment in June 13'. Should I wait to file so I will have more medical documentation showing I am really incapacitated. Im afraid my medical records since Ive only beensick since June and didnt get diagnosed till Oct, will just cause more denials and appeals.So far I have only been diagnosed with auto. dysf, and pots.Before I was self-emplyed, so I was wondering if htis would have any bearing on my ssi as well??ANy advice here? also I have heard from one person who says def. get a lawyer and then another who said dont , its a waste of money???I know Im gonna have to file because I cant find any source of income in forseeable future so I dont know what else to do??? At this time I am having a hard time even paying the utilities =( Thx- sarah Quote Link to comment Share on other sites More sharing options...
trice125 Posted January 19, 2013 Report Share Posted January 19, 2013 I would apply as soon as possible because the process takes forever and you can work on collecting more documentation while you are waiting. As for not having the money to get a lawyer to help you with your claim, that's a non-issue because legally they don't get paid unless you win your case and then they only get part of your backpay. I didn't get a lawyer until I had been declined the first time but I know of people who got one before they even applied the first time so it's a personal decision. Feel free to send me a message if you have more specific questions, I'm more than willing to help. Quote Link to comment Share on other sites More sharing options...
icesktr189 Posted January 20, 2013 Report Share Posted January 20, 2013 Def get a lawyer. I know i wouldnt have won without mine. Most wont take you on as a client untio the reconsideration stage because you wouldnt have enough backpay usually. My lawyer will be taking out 6 grand from my back pay.I would apply ASAP because its a long process. Mine was over two years :/ Good luck and please keep us updated! Quote Link to comment Share on other sites More sharing options...
k&ajsmom Posted January 20, 2013 Author Report Share Posted January 20, 2013 eek..yeah I geuss I should go head and get it rolling...wow 2 years!!! no wonder you are so releived Dani, thats a long battle!!! Quote Link to comment Share on other sites More sharing options...
Jacquie802 Posted January 20, 2013 Report Share Posted January 20, 2013 Apply ASAP. You can message me if you'd like. Quote Link to comment Share on other sites More sharing options...
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