My wife hasn’t worked in three years.
At one time, she was an AVP at a wholesale mortgage company, making six figures. Most recently she was a senior loan officer for a top residential mortgage company in north Texas.
Migraines, neck and back issues, COPD, knee replacement, etc. Any stress (forget mortgage loan originating) will flare up a migraine.
I think she should apply for SSDI. While I am not a fan on welfare or gov handouts, she paid into SS more than most, and that is what SSDI is there for. Plus, with the loss of her income, the family budget could use the money.
Everything I read says first applications are almost always denied, so then you get a lawyer and try again.
I’m sure there are a lot of scammers and such out there but it seems ridiculous that she should have to hire an attorney to receive the benefits to which she is entitled.
Does anyone here have experience with SSDI and/or recommendations?
On a separate but related topic, assuming she starts receiving SSDI now (she’s 57), how will that effect SS eligibility when she’s retirement age?
Thanks!