20 weeks pregnant with twins, how can one get SSDI?

by Guest » Fri Nov 26, 2010 12:27 am

My fiance swears that every mom of twins or other multiples he's ever known has gotten Social Security Disability, but he doesn't know how they've done it. I'm 20 weeks pregnant with twins. I usually substitute teach, but don't like doing so (too much stress and I have to wait 4 or more hours before the kids are somewhere else so I can use the restroom and it's going to get more difficult for me as I get larger). I've been looking for other employment for the past 8 months and substitute teaching is all I've been able to find.

Is it true that I can get SSDI for expecting twins? My substitute teaching job has ZERO benefits. I'm on Medicaid.

Total Comments: 6

Posted: Fri Nov 26, 2010 07:39 am Post Subject:

I guess in case of a normal pregnancy you wouldn't qualify for it. If it's a high-risk pregnancy you could perhaps see through a possibility, but then you say you don't have it through your employer.

Posted: Sun Nov 28, 2010 12:08 am Post Subject:

Is it true that I can get SSDI for expecting twins?

In order to qualify for Social Security Disability payments, you must meet ALL of the following tests:

1) Have a disability expected to last at least 12 months or result in your death.

2) Be disabled five FULL months (from the first moment of the first day of the month, to the last moment of the last day of the month)

3) Be unable to perform any substantial gainful activity (for most persons, anything in the American economy that, with their disability, that can pay them at least $1000 per month)

Pregnancy, including High Risk Precnancy, generally will not meet the test.

Posted: Tue Dec 07, 2010 03:55 am Post Subject:

I had once been through some information which stated that under certain circumstances you may develop unnatural complications during delivery. And if it leads through joblessness, then only it might be covered under disability insurance.

Posted: Tue Dec 07, 2010 07:47 am Post Subject:

Joblessness does not equal disability. Disability does not equal joblessness.

To be disabled and unable to work may qualify you to receive a disability benefit IF you fit the definition of disabled in the contract. (1) and (2) are commonly used in individual and group disability income insurance policies.

(1) ANY OCCUPATION: Unable to perform the essential duties of any occupation for which the insured is qualified by reason of education, training, or prior experience.

(2) OWN OCCUPATION: Unable to perform the essential duties of the insured's own occupation at the time the insured became disabled.

(3) SOCIAL SECURITY DISABILITY: Unable to perform any substantial gainful activity. The disability itself must be expected to last at least 12 months or result in the death of the applicant. There is a waiting period of five "full-months" before benefits may be paid.
[NOTE: This is understood to mean any occupation/activity in the US economy that can provide a minimum of $1000 per month in income (pre-tax) to the applicant in light of his disability. According to Social Security's "rules", the fact that the activity is not available at the place where the applicant resides (but is available somewhere else in the US) is not grounds to qualify for Social Security Disability benefits].

An individual or group disability income insurance policy will use either definition (1) or (2), or a combination of (2) and (1) (the policy uses the OWN OCCUPATION definition for the first 24 months, then changes to the ANY OCCUPATION definition thereafter in the event of a continuous, long term disability).

(2) is the least restrictive (easiest to qualify for), (3) is the most restrictive (statistics show that of all first-time applications for SS Disability, almost 80% are rejected). Pregnancy can qualify as a "disability" in individual and group disability income policies, but would probably never qualify for SS DI. Also, individual and group DI policies are sometimes written with very short waiting periods, such as 10, 14, or 30 days. Most common, however, is a 6-month waiting period, which can effectively prevent pregnancy from qualifying for a benefit due to its relatively short period of disablement.

Posted: Wed Dec 08, 2010 08:05 pm Post Subject:

Let's sum this up more neatly: being pregnant with twins does not in-and-of-itself qualify you for social security disability benefits.

Posted: Thu Dec 09, 2010 05:19 am Post Subject:

Neither does being pregnant with octuplets or any other number of fetuses.

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