Well I got some very upseting news today. I talked to an attorney's office today about filing for SSD and I was informed that because my "date last insured" was 12/31/2009, I can not apply for Social Security Disability. I have been working up until my accident, however, I am a teacher therefore I do not pay into social security. I pay into teacher retirement. Yes, there is a disability option through that but I have only been paying into that since 2009, so I will only be able to get $150 a month. YIKES! AND, I can not qualify for SSI because my husbands income is too high.
My NS suggested me go on SSD back in 2009 but I refused. I am young and "thought" I would get through it, but I find myself in worse shape than I was then and feel like I am without options.
I have LTD and it is available until age 65. Being that I can not get SSD, can I take LTD instead (permanently?). If so, what about health insurance?
I am lost! My only option seems to be Long Term disability. I need advice/comments/suggestion on what to do.
Please let me know your thoughts!