
Navigating the Complexities of Social Security: A Daughter's Struggle with Disability Benefits
2025-03-31
Author: Wai
In a heartfelt account, a parent shares the harrowing journey their daughter faces as she navigates the intricacies of Social Security Disability (SSD) benefits. Receiving a mere $889 monthly, the daughter, who holds a Master's degree in European Policies from Bath University, UK, has been unable to maintain employment due to a range of debilitating medical conditions that began in her childhood.
Diagnosed with Obsessive-Compulsive Disorder (OCD) at the age of 9, the daughter also battles Crohn’s disease—a severe gastrointestinal condition—and gastroparesis, which leaves her stomach paralyzed. These diagnoses paved the path for the family's SSD claim when she turned 22. The approval process was fraught with challenges: it took two long years, two applications rejections, and the aid of a lawyer before a judge finally granted her the support she desperately needed.
As her health deteriorated, additional diagnoses came to light, including Postural Orthostatic Tachycardia Syndrome (POTS), sinus tachycardia, and hypermobile Ehlers-Danlos Syndrome (hEDS). The latter is a connective tissue disorder that can lead to chronic pain and joint instability, impacting one's mobility and overall quality of life. Many individuals with hEDS find themselves wheelchair-bound, but luckily, she remains mobile—at least for now.
Complicating matters further, the daughter faces strict financial limitations. According to SSD regulations, she cannot hold more than $1,500 in her bank account at any given time without incurring penalties. A recent mishap in May 2024, where her account briefly exceeded this limit due to an automated deposit, led to an unexpected deduction from her benefits. That’s right—two days of being over the threshold resulted in an impending cut of over $100 from her monthly payments.
To add to the stress, the daughter is permitted to own only one vehicle. After selling her old car, she purchased an electric vehicle, contributing positively to environmental sustainability. However, this transition led to a misunderstanding with Social Security, which believed she owned multiple vehicles. After multiple calls and providing documentation, this issue was finally resolved.
Moreover, the daughter is required to demonstrate her ongoing disability every five years, a requirement that often adds emotional strain. One particular encounter with an insensitive agent who insisted she could work because she could use her arms triggered a formal complaint—and fortunately, her benefits were approved at the last minute, saving her from yet another setback.
As her family supports her, they grapple with unprecedented costs associated with her medical care. Spending between $3,000 to $4,000 monthly on medical expenses—including insurance premium payments of $1,800 for her specialist visits at Stanford—has taken a significant toll on the family's finances. The burden intensified after a critical major jaw surgery that cost them $67,000 out of pocket, as insurance deemed it "elective," despite its necessity for her health.
The frustrations continue, with recent official communications from SSD hinting at further deductions without clarity on the reasons or duration. Confusion reigns as the family prepares to contact the local SSD office to resolve the latest issues.
This unfolding narrative reveals the broader implications of the current administration's policies on social support systems. Families like this one, after years of hard work and payment into the Social Security system, often find themselves caught in a web of bureaucratic hurdles that can feel insurmountable. The emotional and financial toll of navigating these challenges remains a stark reminder of the systemic issues at play.
As the family perseveres through the complexities and uncertainties of the system, they highlight a crucial point: every individual impacted by these changes is not just a number; they're real people, fighting for their dignity and the support they need to survive.