Also referred to as end stage kidney disease, end state renal disease develops when the kidneys develop chronic, life threatening symptoms. Both kidneys no longer function to meet the body’s requirements for maintaining other healthy organs.
Dialysis or a kidney transplant represent the only two medical methods that keep patients living. Some patients opt to simply manage the symptoms of end stage renal disease to ensure the highest quality of life during the limited time that is left.
Most disabilities give patients an opportunity to fight back against the disease or the personal injury. End stage renal disease typically does not lead to a full medical recovery. A diagnosis for end stage renal disease means the patient must take advantage of a federal program that covers loved ones with financial benefits after the patient’s death.
Apply for Federal financial Assistance
Anyone diagnosed with end stage renal disease may expect to lose all the income generated by holding down a full time job. If you suffer from the terminal illness, you should act with a sense of urgency by applying for Social Security Disability Insurance (SSDI) benefits.
The federal safety net program managed by the Social Security Administration (SSA) requires the submission of a detailed claim. Financed by payroll taxes, SSDI supports workers that cannot perform normal job duties by paying for daily living expenses, as well as the high cost of treating debilitating symptoms.
To receive SSDI benefits for end stage renal disease, you must have not worked for at least one year. The SSA also uses a resource called the Blue Book to ensure applicants for SSDI benefits meet the medical criteria listed for end stage renal disease.
In addition, the SSA requires SSDI applicants to meet the job standards required to receive financial benefits. Since end stage renal disease is a life ending medical condition, patients can take solace in the fact that a widow or widower receives full benefits upon retirement, with the option to accept partial benefits when he or she reaches 60 years of age.
Does SSDI Diminish Medicare Coverage?
Americans that work past the age of 65 can receive Medicare health care coverage even if they also receive SSDI benefits. However, SSDI recipients still on a company’s payroll have to wait two years to enroll in Medicare. The reason for the delay is that SSDI benefits take care of most, if not all medical expenses for diagnosing, treating, and rehabilitating a disease.
If you receive SSDI benefits and you have turned 65 years old, you have the option to enroll in a former employer’s health insurance plan to fill the few coverage gaps not taken care of by SSDI benefits. After the two-year waiting period, you can enroll in Medicare and still receive the full financial coverage provided by SSDI benefits.
Complete a Free Case Evaluation
Applying for SSDI benefits involves presenting plenty of medical documentation that confirms a diagnosis for end stage renal disease. Before you submit an SSDI application, you may want to determine the strength of your application by going through a free case evaluation. Get a Free Case Evaluation today to support your family because of the development of end stage renal disease.
