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Author Topic: Kidney Failure and Disability  (Read 3232 times)

dolphindan1

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Kidney Failure and Disability
« on: February 15, 2021, 10:37:49 pm »
I hope this was the right section for this...if not I apologize in advance...

I am currently in Stage 5 Kidney failure due to Polycystic Kidney Disease. I am still working but having an increasingly hard time doing so. I am not on dialysis yet, but I am active on the transplant list. I have worked for the same company for 25 years so I am sure I have built up enough credits if I qualify. I am just worried I may not qualify. I also have LTD thru my compmay that I will pursue 1st. Do I have a fairly solid chance of getting approved with Kidney issues..I also have Anemia, Arthritis, Gout, low Hemoglobin...I am 46 years old. My HR dept says I have to give them a date that I am gonna stop working which is kinda confusing to me and a bit scary to be honest.

SteelCity1981

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Re: Kidney Failure and Disability
« Reply #1 on: February 15, 2021, 11:17:34 pm »
Yes people with kidney failure get fast tracked to be approved for disability. Considering kidney failure is a life threatening. How are you not on dyalais yet with stage 5 kidney disease? If you aren't  yet, you soon will have to be if you want to keep living until you get a transplant.
« Last Edit: February 15, 2021, 11:54:41 pm by SteelCity1981 »

Just Me

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Re: Kidney Failure and Disability
« Reply #2 on: February 16, 2021, 01:09:05 am »
You might not be fast tracked since you are still able to work. What do your doctors say about you not working and going on disability? Have you gotten copies of your medical records & read them? Hopefully you will receive a new kidney soon and be able to return to work. Many that receive disability and receive a, transplant. are able to return to work If you were on dialysis. You would be fast tracked. In addition, you would not have to wait the 24 months for Medicare.

Does your LTD company require you to file for SSDI first? Some LTD companies do. There is a offset when you receive LTD and SSDI.
Nerve damage in upper and lower extremities. Degenerative Disc Disease, RA.

Hope the size of a mustard seed can produce Faith that can move mountains.

DisabilityDiscussed

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Re: Kidney Failure and Disability
« Reply #3 on: February 16, 2021, 07:14:59 am »
Fast tracking does not mean an automatic, fast, allowance.  The rules still apply and, as SteelCity1981 suggests, the first rule problem is the continued working. 

Also, as SteelCity1981 suggested, you are probably headed for dialysis.  You can possibly qualify without dialysis if the you meet the standards of Listing 6.05 (https://www.ssa.gov/disability/professionals/bluebook/6.00-Genitourinary-Adult.htm#6_05) but you still cannot be performing Significant Gainful Activity https://www.ssa.gov/oact/cola/sga.html)

(In an earlier post, I talked about the assistant school principal who was invited by his Representative to testify before a Congressional Panel but the Hearing had to be planed between his dialysis sessions and his responsibilities to the school.) 

In the past, I have talked about cases being allowed with one sheet of paper.  Dialysis is one example.  As soon as the adjudicator receives the form that states “End Stage Renal Failure” and states the date the dialysis started, the case is allowed. 

Hopefully, a kidney match will be found and, after a period of convalesce, you will be able to return to work.

dolphindan1

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Re: Kidney Failure and Disability
« Reply #4 on: February 16, 2021, 11:51:19 am »
You might not be fast tracked since you are still able to work. What do your doctors say about you not working and going on disability? Have you gotten copies of your medical records & read them? Hopefully you will receive a new kidney soon and be able to return to work. Many that receive disability and receive a, transplant. are able to return to work If you were on dialysis. You would be fast tracked. In addition, you would not have to wait the 24 months for Medicare.

Does your LTD company require you to file for SSDI first? Some LTD companies do. There is a offset when you receive LTD and SSDI.

My doctors are good with it...I have all my records and notes on each of their apps....

SteelCity1981

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Re: Kidney Failure and Disability
« Reply #5 on: February 16, 2021, 12:32:33 pm »
Then you should be good to go, but you need to make a choice soon on the type of dialysis treatment you want while waiting for a kidney transplant which can take 3 to 5 years to get on avg. If you aren't familiar with dialyses treatment, you'll have two types of treatment options, hemodialysis or peritoneal dialysis . Hemodialysis  filters the toxins in your blood, while peritoneal dialysis uses your abdomen to filter the toxins out of your body. They both have pros and cons to them.  With Hemodialysis,  you usually have to go to a dialysis clinic 3 times per week or once every other day. for 3 to 4 hours per session. unlike peritoneal dialysis where you have to do it everyday. Also with hemodialysis, you have to follow a moderate strict diet, unlike with peritoneal dialysis. With peritoneal dialysis you can do it from your home, but you have to do it every day for 6 to 8 hours per day. the nice thing about peritoneal dialysis is it's portable so you can take your dialysis on the go.  you're going to need to make some space for 30 boxes of saline fluid each month with peritoneal dialysis though. Also you need to keep your dialysis port and the area the port goes in, clean to stave off  the risk of infection with both methods of dialysis. My dad was on dialysis, so I've had a lot of knowledge in this area. keep in mind, kidney transplants only last on avg of 12 to 15 years so at some point you will need another kidney transplant or go back on dialysis. I know all this is probably a lot to take in, but hopefully we will have a cure for kidney failure via stem cell rejuvenation therapy or at the very least artificial kidney implants that do the work of the kidneys. I think the most realistic possibility that I can forsee being available within the next few years is wearable kidney devices, which would eliminate the need for dialysis altogether.
« Last Edit: February 16, 2021, 02:05:30 pm by SteelCity1981 »

dolphindan1

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Re: Kidney Failure and Disability
« Reply #6 on: February 16, 2021, 02:25:45 pm »
Then you should be good to go, but you need to make a choice soon on the type of dialysis treatment you want while waiting for a kidney transplant which can take 3 to 5 years to get on avg. If you aren't familiar with dialyses treatment, you'll have two types of treatment options, hemodialysis or peritoneal dialysis . Hemodialysis  filters the toxins in your blood, while peritoneal dialysis uses your abdomen to filter the toxins out of your body. They both have pros and cons to them.  With Hemodialysis,  you usually have to go to a dialysis clinic 3 times per week or once every other day. for 3 to 4 hours per session. unlike peritoneal dialysis where you have to do it everyday. Also with hemodialysis, you have to follow a moderate strict diet, unlike with peritoneal dialysis. With peritoneal dialysis you can do it from your home, but you have to do it every day for 6 to 8 hours per day. the nice thing about peritoneal dialysis is it's portable so you can take your dialysis on the go.  you're going to need to make some space for 30 boxes of saline fluid each month with peritoneal dialysis though. Also you need to keep your dialysis port and the area the port goes in, clean to stave off  the risk of infection with both methods of dialysis. My dad was on dialysis, so I've had a lot of knowledge in this area. keep in mind, kidney transplants only last on avg of 12 to 15 years so at some point you will need another kidney transplant or go back on dialysis. I know all this is probably a lot to take in, but hopefully we will have a cure for kidney failure via stem cell rejuvenation therapy or at the very least artificial kidney implants that do the work of the kidneys. I think the most realistic possibility that I can forsee being available within the next few years is wearable kidney devices, which would eliminate the need for dialysis altogether.

Thank you for all that info...I have even begun discussing Dialysis, with anyone. I was hoping to have a Kidney before it happened. I have been on the transplant list for a little over a year.

I have the LTD thru my job. I hear its an easier approval for LTD than with SSDI. I am just a bit nervous. I just not sure what to tell my job as far as last day due to LTD...I have about 8 months of leave saved up...just a big step

Just Me

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Re: Kidney Failure and Disability
« Reply #7 on: February 16, 2021, 02:53:19 pm »
Be sure you know how much LTD will pay you. You can create a online Social Security account at the link below.  The  approximate amount of your monthly SSDI should be there. Remember there is a offset with LTD and SSDI.

You may or may not have to go to the hearing level or beyond before you are approved for SSDI. That can take 12-24 months to get to your first hearing. I do not know how long it might take for LTD approval. But, based on what others have said. LTD companies make it difficult to be approved. They can also make it difficult to stay on it. Be sure you have enough to live on  in case approval takes a while. Also be sure you have health insurance to cover your medical care.
Nerve damage in upper and lower extremities. Degenerative Disc Disease, RA.

Hope the size of a mustard seed can produce Faith that can move mountains.

dolphindan1

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Re: Kidney Failure and Disability
« Reply #8 on: February 16, 2021, 03:18:05 pm »
Also be sure you have health insurance to cover your medical care.

This is the part I am worried about, unless I get the medicare

newdawn

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Re: Kidney Failure and Disability
« Reply #9 on: February 16, 2021, 03:43:59 pm »
Also be sure you have health insurance to cover your medical care.

This is the part I am worried about, unless I get the medicare

While I was on STD & LTD through my employer, I was able to keep my employer-based insurance (not COBRA). I guess they kept me on as an "inactive" employee or whatever. After my LTD ended (2 year max for my policy on mental health claims), my company had to let me go officially and then COBRA was offered which was $600+ for just me, a single person!!! I ended up going onto the marketplace (since my state expanded medicaid) and it turned out I qualified for medicaid so I was on medicaid for about a year before my SSDI-based medicare kicked in.

BTW, it was my experience (and that of my psychiatrist who deals with LTD and mental health claims) that's it's "easier" (i.e. faster) to get on LTD than SSDI in most cases. However, LTD does more reviews and requires A LOT more paperwork than SSA seems to. I imagine your claim will be more simple (I hope) due to your condition but boy did LTD like to fax my psychiatrist A LOT of paperwork to fill out* vs. just only requesting medical records. But as long as you have a dedicated, supportive doctor, hopefully it won't be an issue to get onto LTD.

Eventually I was approved for SSDI but I had to go to the ALJ hearing level before being approved.

*Bonus: All that LTD paperwork becomes part of your medical record as far as I know, so more evidence that's hopefully helpful for one's SSDI claim.
Location: IL
Age at Application: 31
Disability: Depression, anxiety
Applied: 11/2013
First Denial: 03/2014
Reconsideration Denial: 11/2014
Hearing: 11/13/15 (Friday the 13th!)
ALJ Approval: 01/15/16 Fully Favorable
Back Pay: 02/13/16
Award Letter: 02/17/16
1st monthly benefit: 03/21/16

Just Me

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Re: Kidney Failure and Disability
« Reply #10 on: February 16, 2021, 03:45:15 pm »
If you are approved for SSDI but are not receiving dialysis. You have to wait 24 months for your Medicare to kick in.
Nerve damage in upper and lower extremities. Degenerative Disc Disease, RA.

Hope the size of a mustard seed can produce Faith that can move mountains.

dolphindan1

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Re: Kidney Failure and Disability
« Reply #11 on: February 16, 2021, 04:57:15 pm »
If you are approved for SSDI but are not receiving dialysis. You have to wait 24 months for your Medicare to kick in.

I would still have insurance on SSDI for those 24 months till I can apply for Medicare...is that correct or am I confused?

newdawn

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Re: Kidney Failure and Disability
« Reply #12 on: February 16, 2021, 05:09:11 pm »
If you are approved for SSDI but are not receiving dialysis. You have to wait 24 months for your Medicare to kick in.

I would still have insurance on SSDI for those 24 months till I can apply for Medicare...is that correct or am I confused?

I think you may be a bit confused. Or perhaps we confused you.

You only can begin receiving Medicare either at age 65 or once you have received 24 months of SSDI monthly benefits....

EXCEPTION: For those with ESRD (end stage renal disease) who are either on DIALYSIS or who are undergoing a kidney transplant (I think they mean, actually undergoing the transplant (the month of the surgery), not waiting for one). Those people on dialysis or undergoing a kidney transplant are eligible as soon for medicare as soon as they get approved for SSDI. So they don't have to wait 24 months.

Additionally, those with ALS (Lou Gehrig's disease) also do not have the 24-month waiting period for medicare.

Those are the only scenarios I'm aware of that don't require the 24 months of SSDI benefits before medicare begins.

Edited to add: Check with your employer HR or LTD to see if you will be able to maintain any employer-provided health insurance that you currently have while you're on LTD. I was able to to maintain my employer-based health insurance while I was on LTD.
« Last Edit: February 16, 2021, 05:13:26 pm by newdawn »
Location: IL
Age at Application: 31
Disability: Depression, anxiety
Applied: 11/2013
First Denial: 03/2014
Reconsideration Denial: 11/2014
Hearing: 11/13/15 (Friday the 13th!)
ALJ Approval: 01/15/16 Fully Favorable
Back Pay: 02/13/16
Award Letter: 02/17/16
1st monthly benefit: 03/21/16

dolphindan1

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Re: Kidney Failure and Disability
« Reply #13 on: February 16, 2021, 05:13:20 pm »
If you are approved for SSDI but are not receiving dialysis. You have to wait 24 months for your Medicare to kick in.

I would still have insurance on SSDI for those 24 months till I can apply for Medicare...is that correct or am I confused?

I think you may be a bit confused. Or perhaps we confused you.

You only can begin receiving Medicare either at age 65 or once you have received 24 months of SSDI monthly benefits....

EXCEPTION: For those with ESRD (end stage renal disease) who are either on DIALYSIS or who are undergoing a kidney transplant (I think they mean, actually undergoing the transplant (the month of the surgery), not waiting for one). Those people on dialysis or undergoing a kidney transplant are eligible as soon for medicare as soon as they get approved for SSDI. So they don't have to wait 24 months.

Additionally, those with ALS (Lou Gehrig's disease) also do not have the 24-month waiting period for medicare.

Those are the only scenarios I'm aware of that don't require the 24 months of SSDI benefits before medicare begins.

So I would have to find insurance coverage for that 24 months if I didnt go the cobra route thru my job...

Just Me

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Re: Kidney Failure and Disability
« Reply #14 on: February 16, 2021, 05:13:44 pm »
If you were not on dialysis. You would not have Medicare until 24 months after the date DDS or a ALJ  said your evidence proved you meet SSA requirements for SSDI.

You could purchase health insurance at the Market Place. You could also talk to a insurance agent in your area. Have you checked with your company to see if they might cover you? Unless you are poor, Medicaid would not be a option. Your state would also have to have  expanded Medicaid. Cobra is expensive.
« Last Edit: February 16, 2021, 05:17:09 pm by Just Me »
Nerve damage in upper and lower extremities. Degenerative Disc Disease, RA.

Hope the size of a mustard seed can produce Faith that can move mountains.