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Pain, Limitations, and Disability Rejection

dharvellddharvell Posts: 98
edited 06/11/2012 - 7:25 AM in Neck Pain: Cervical
I've been really hesitant to post this. Perhaps out of pride; perhaps it was simply because the events that have happened in my life has somehow made me feel less of a person. One thing that being a member of this forum has taught me, though, is that we are in the same boat. Maybe we have different circumstances surrounding us, but we are all victims of our c-spine imperfections.

My pain started 4 years ago, rather suddenly. The pain never went away as I hoped it would. Instead, it got progressively worse. Through years of doctor visits and seeking a specialist that would actually help a person in his 30's with a problem that, as my doctors have repeated told me, should affect me until my 50's or 60's, I am where I am today. Still in daily pain with no relief in sight.

The part that has really hurt me, though, is the fact that I have become unable to hold a job. My doctor placed me on strict limitations that rules out almost every job that I am qualified for. Even my hobby of photography becomes too much for me on a more frequent basis.

I applied for Social Security Disability, not knowing what else to do. Not surprisingly, I was denied in September of this year. My appeal came within days, but it will take two years for the appeal to be heard. By then, it is quite likely that I, along with my family, will be homeless.

My home has fallen into foreclosure, the Sheriff's sale in August of '08. Michigan law gives us 6 months to redeem our mortgage, but without the health to carry employment, what am I to do? My wife looked for employment, but she has chronic health issues of her own (she applied, but did not qualify for SS Disability). The 6-month redemption period ends in February of 09.

I post this not for sympathy and not to give a sob story. My goal here is to lay out the results of a physical disability that I share with many people for ideas of what to do, who to talk to about my situation, and what hope, if any, I have to make sure my family has a roof over their heads.

Thanks for giving an ear (or in this case, an eye). Any ideas for what direction to turn would be greatly appreciated!

+dan
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134

Comments

  • I'm sorry you're in that situation. Are you able to sell your house? Or get a mortgage with a longer amoratization? Don't they have welfare there? Would you be able to live with parents or a sibling? Would you be able to rent part of your house to pay the mortgage? I can't understand how you can't get disability. I hope things turn out for you. Charry
    DDD of lumbar spine with sciatica to left hip,leg and foot. L4-L5 posterior disc bulge with prominent facets, L5-S1 prominent facets with a posterior osteocartilaginous bar. Mild bilateral foraminal narrowing c-spine c4-c7 RN
  • Selling the house was actually a possibility under the foreclosure. However, if we did, we would have nowhere to go. My parents, unfortunately, do not have room as they run an Adult Foster Care home out of their home, so all rooms are full (my parents actually live in the basement of their house. I have 2 siblings, one who lives in a 2-bedroom apartment and 1 that is fighting for his home, as well (darned economy!). Rental of the house would be a violation of the mortgage and we would be found in default, immediately, if we did so. As for welfare, we talked to our Department of Human Services and are on cash assistance. However, the maximum assistance is barely enough to pay the electricity and have enough left over for life items (bathroom necessities, etc.).

    It's basically a screwed up system, the disability system is. My cousin was able to get disability because she has panic attacks in public. However, a physical disability that prevents me from performing work was not considered as a qualifying disability. I have a hard time understanding that.

    My strength continues to be in having faith that we are part of a greater plan. The book of Job describes our situation pretty well, I'd say! I'm just hoping that by keeping our faith, we will be rewarded as Job was. :)
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  • keep you in my prayers and thoughts also,.I know how your feeling, I now am going through this whole disability crap. I as least have a husband to help out this time, but years ago my first husband and I went through exactly what you are going through.. We almost lost our house too, family of 5 with an income of $9000 a year not easy... Have you written to your bank and told them of your disability, I remember doing something like that and it bought us some time... Do you have children at home? I wish I could say something else, to help you out, I feel your pain and frustration. sometimes I wonder about the system too.
    Cyndi.....
  • I have not written the bank, but I did tell them of the disability over the phone. It was shortly after that conversation that they started the foreclosure procedure. This was right around the time that my mortgage company was first investigated. Go figure.

    We do have children - 3 daughters. Our oldest is 10, our middle girl is 8, and our youngest will be 5 on the 22nd of this month.

    Our system is broken. Even the social security person I talked to said that... and that was before I was denied. That tells me that they give an automatic denial in most cases. My SS interviewer said that they flat out deny 95% of all cases, regardless of the issue at hand. Just the nature of the beast. I questioned the "nature of the beast" comment, reminding him that this was my family's lifeline we were talking about. Sadly, he was not the one to make the final decision... he was merely the messenger.
  • write the bank and tell them of the situation, put it all in writing and send it out, I think sometimes that shows the bank what your going through and your not just some one on the other end of the phone. Tell them about applying for stuff and rejection and just tell them like it is, It might go on someones desk that actually gives a shit... Just an idea but I remember us doing that...
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  • That is a very good idea. An idea I hadn't actually even thought of. I've always been one to do everything over the phone - kind of the next best thing to face-to-face. But, if it's in writing (and I will be sure to retain a copy of the letter in my records), it's actually in a more permanent format. Great idea!
  • I know all about SSD. It took me 2 years to the date to get approved. Get a lawyer, they only get paid if you win so you will not be out any money. When you do get approved you will get back pay which is very nice and also medicare. Keep calling the bank, do it over and over. The squeaky wheel gets heard first. I think the mortgage company's are coming up with new plans as this economy falls under more. They do not want your house, they can't do anything with it. Stay on top of it. My prayers are with you.

    Sharon
  • Thanks, Sharon. I have heard that, over and over, that foreclosures cost the mortgage company a ton of money, so that's the last thing they want. It struck me really odd that, during our last conversation with the mortgage company, the person I spoke to asked if I really wanted to keep the house. I told her, "Of course I do." I then told her about my condition. Soon after, they started the foreclosure process. Very odd, to me. I will certainly keep contacting them. The company I am with is one of the larger companies - one who was one of the first ones to be investigated. So, they really have a lot of reason to try to help - if anything, just to maintain their good image!

    I would love it if I could just get something done to my neck to where I could work again and not have to worry about any of this... :)
  • I wish I could offer some good news, I did have the surgery and I am fused from C4-C7. Still have quite a bit of pain and a lot of nerve pain. I think it took my surgery to actually get my SSD. It is not an easy process at all. I had a good attorney and if not for him I really don't think it would have happen. I am 50 so that helps a lot, never thought being 50 would be a plus. Again, I wish you the best and lets hope this economy turns around soon.

    Sharon
  • And that's where my argument for SSD would have some problems. I have went to several doctors looking for somebody to perform the surgery (or other means of relief). All doctors I have seen, thus far, says that I am "too young" to have these problems, so - regardless of what the MRI reads - I must be imagining it all. I finally found a doctor who is open to the idea of surgery. My follow-up appointment with him has yet to happen. But, right now, this doctor is my only hope! What a screwed up system... hmmm?
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