1) Following a cancer diagnosis, it's crucial to promptly apply for Social Security Disability benefits at your local office. Certain attorneys can aid in the application process at no charge (we can help locate one nearby). Although self-application is feasible, seeking attorney assistance is advisable due to their comprehensive legal understanding, expediting your case. The Social Security Disability office may take six months to a year to assess your eligibility. Thus, initiating the application promptly is vital to hasten proceedings.
2) Upon cancer diagnosis, consult your doctor or financial advisors regarding companies offering assistance with chemotherapy/radiation treatment expenses, including co-pays.
3) Reach out to your health insurance provider for a detailed benefits breakdown. It's crucial to grasp the differences between Short Term Disability and Long-Term Disability and their potential impact on your recovery journey.
For Short-Term Disability (lasting six months or less), many jobs don't offer pay for the first week. Typically, the first paycheck arrives in the second week, covering 100% of the first two checks, then 60% thereafter, disbursed bi-weekly via direct deposit.
If your recovery extends beyond six months, you'll transition to Long-Term Disability. Under this status, you receive monthly payments, usually around the third week (consult your company for specifics).
Delaying action may lead to financial challenges if bills are due before disability payments arrive. While contacting creditors for an extension is possible, it might incur late fees. Upon realizing your case may surpass six months, preparing for the change and arranging finances is crucial to avoid strain.