Hi Kathy - thanks so much for your post.
I agree that there are many, many very ill people who need SS and have to fight for what they deserve (many of whom lose everything they own in the process) and it is very sad. Not to mention being ill is exhausting in itself, without the added grief of having to endure a grueling legal process. I think it's part of the reason I'm taking my approval so hard. Every day in the area where I live, I see homeless people on the streets who are obviously far more mentally ill than I am. Granted, I probably wasn't too far behind in that prospect (in fact, I have been homeless in the past during severe episodes of decompensation - I mean, actually sleeping outdoors behind shrubs and on top of exhaust grates outside buildings to keep warm).
My own Mom, who worked her entire life, had a stroke during open heart surgery which left her with some serious cognitive deficits and nearly blind, and it took her 3 years to get approved. Fortunately, through her last employer she was covered under a long-term disability policy until her SSD went through.
I'm very glad for you and your hubby that he was approved immediately.
I just don't understand that if a preponderance of evidence exists which reasonably proves a person needs financial assistance due to an inabilty to work full time, why more people aren't approved right away. All I can think is that there are those who burden the system with frivolous medical complaints. The government has to pay people to review their cases, and shell out expenses for additional testing that could otherwise be allocated toward those with more complex issues. Not to mention the specialists assigned to review those claims are stretched thin as it is - my own claims adjuster told me she had a caseload of 100+ claims at the time she was reviewing mine. In my opinion, I believe there should be some type of "triage" system implemented and utilized at the time a person applies for benefits.
Well, enough of my pontificating, lol.
Thanks for the advice on the Medicare bit.