A brain tumor diagnosis can be incredibly stressful and overwhelming. If you are unable to work due to a brain tumor, you may be wondering if filing a disability claim is an option. The short answer is yes. Keep reading to learn more about applying for disability benefits following a brain tumor diagnosis.
What is a brain tumor?
A brain tumor is a mass or growth of abnormal cells in the brain. Tumors are not cancer, but they can cause cancer. They can be benign (not cancerous) or malignant (cancerous). Tumors can occur anywhere in the brain, but most occur in the cerebrum (the largest part of the brain). Tumors can cause a wide variety of symptoms depending on their size and location in the brain. Some common symptoms include headache, nausea, vomiting, seizures, change in personality or mental status, and blurred vision.
Most brain tumors are discovered incidentally when a person has an MRI for another reason. However, some people may experience signs and symptoms that warrant further evaluation. If you think you have a brain tumor, see your doctor right away.
There is no definitive test to determine if someone has a brain tumor. Your doctor will likely order several tests such as an MRI scan, CT scan, and/or blood tests to help make the diagnosis. Treatment for a brain tumor depends on its type and size and may include surgery, radiation therapy, and/or chemotherapy.
Should you file a disability claim following a brain tumor diagnosis?
Some people with a brain tumor may be eligible for disability benefits through Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). To be eligible for SSDI benefits, you must have worked long enough in jobs covered by Social Security and have paid into the system through payroll taxes. To be eligible for SSI benefits you must meet certain financial requirements.
There are many different types of individual disability insurance policies available, and each one has specific provisions and eligibility requirements. Short-term disability policies only provide benefits for a certain amount of time, while long-term disability policies provide benefits for longer than a year.
Most employers offer some form of disability coverage as an employee benefit. If you do not have access to employer-sponsored coverage, you can purchase individual coverage from an insurer. However, premiums for individual coverage are typically more expensive than group coverage.
What are the benefits of disability insurance?
There are many benefits of disability insurance for someone diagnosed with a brain tumor. First and foremost, disability insurance can provide a monthly income to help cover medical expenses and other treatment costs associated with the brain tumor. Additionally, disability insurance can help protect your savings and provide peace of mind during a difficult time.
Another important benefit of disability insurance is that it can help you maintain your health insurance coverage. If you were to become disabled and unable to work, your health insurance would likely continue to cover you. This is important, as health insurance can help pay for medical expenses related to your brain tumor.
Finally, disability insurance can help you maintain your standard of living if you are unable to work. This is especially important if you are the primary earner in your household. Disability insurance can help ensure that you and your family have the resources they need to continue to live comfortably.
Overall, disability insurance is an important consideration for anyone diagnosed with a brain tumor. The coverage can provide peace of mind in knowing that you have some financial security if you are unable to work due to your illness. If you have been diagnosed with a brain tumor, it’s important to understand the different disability benefits available.
