Schizophrenia - General Discussion
in Psychology & Therapy ·
Morgan Lewis said:Hey everyone,
I was wondering if anyone knows if this new legislation regarding survivor benefits affects those of us living with schizophrenia who are already receiving disability benefits.
From what I’ve been reading and searching for online, it seems you only qualify for a parent's survivor benefits if you're a child with a documented disability and some remaining capacity for
vocational rehabilitation and employment under the specific federal guidelines for people with disabilities.
Most of us have dealt with our disability since the very beginning of the illness—in my case, since I was 26—but we didn't go after the official disability status back then because, let's be honest, nobody would hire us anyway.
And even when we did manage to work... well, we all know how much of a struggle that was. So, by the time I finally applied for benefits because I just couldn't keep going, I ended up with disability
of about $160, rather than being able to claim anything from my late father—because apparently, it looks like he wasn't supporting me until his passing, even though he absolutely was; I just can't prove it.
That's why I feel like this law is just plain unfair. It feels like we're being penalized for actually trying to make it on our own. I managed to finish college and worked for six years,
but honestly, my parents made all of that possible—I never could have pulled it off solo. Meanwhile, someone who struggled with addiction and hasn't put in a single day of work
can still qualify for survivor benefits, which can be quite substantial depending on what their parent's pension was.
I don't have anything against them getting help, but shouldn't we also have the right to access our parents' benefits?
Thanks, and please, if anyone has any experience with this, I'd love to hear your thoughts.
LP, Morgan Lewis
I'm no legal expert, but looking at these social security and pension laws from the outside, they seem like one absurdity after another. Between standard disability, early retirement, old-age pensions, veteran benefits, and various other categories, there really isn't much logic to it—neither in the amounts paid out nor in the criteria used to decide who gets what.
My mother had been retired since she was 35 (she passed away at 58) and her monthly benefit $600 at the time of her death was roughly $270. She didn't have a degree and had worked for about 15 years before retiring. I honestly don't know if I could have inherited her benefits or not, mostly because I never even looked into it.
So, there you go—you ended up with just $160.
If I can offer some advice, if there is any way at all, try to keep working rather than relying solely on benefits. You're still very young, and being active will probably be better for you both mentally and financially.
I don't know, it's all a pretty difficult situation to navigate. Hang in there.