Today I have a guest post written by Molly Clarke, who is the Social Media Coordinator for Social Security Disability Help and contributes regularly to the Social Security Help Blog. She explains the process of applying for disability benefits for parents whose children have communication disorders.
To contact Molly with further questions, please email her at mac@ssd-help.org.
Applying for Disability Benefits for Children with
Communication Disorders
Communication is a vital part of human
life—it allows us to connect, learn, and grow. When a child is not able to
communicate effectively due to a communication disorder, his or her entire life
can be impacted.
A communication disorder is general title
given to a group of disorders that prevent a child from speaking, hearing, or
processing language. Communication disorders affect children in varying ways.
One child with a communication disorder may not experience any significant
limitation in his or her life while another child with the same communication
disorder may be extremely limited in his or her abilities.
If you are the parent of a child who has
difficulty speaking, you likely make it your first priority to tend to their
needs. Unfortunately, this can be made difficult for families who have limited
income. If you find that you cannot afford the heightened medical bills,
assistive devices, or therapies necessary to improve your child’s
communication, you may qualify for Social Security Disability (SSD) benefits on
his or her behalf.
Before jumping into the application process
it is very important that you understand the programs available to you and how
to qualify on behalf of your child. This article will provide you with that
information and get you started down the correct path.
Technical
Requirements
Although the Social Security Administration
(SSA) offers disability benefits through two separate programs, children only
qualify for Supplemental Security Income (SSI) on their own record. SSI is a needs-based benefit program that
provides assistance to elderly and disabled individuals who have very limited
income. To qualify for SSI, an applicant must meet very specific financial
rules. In the case of a child, his or her parent’s income will be taken into
account. This process is called parental deeming.
Learn more about parental deeming and SSI
requirements, here: http://www.socialsecurity.gov/ssi/spotlights/spot-deeming.htm.
Medical
Requirements
To meet the SSA’s definition of childhood
disability, your child must have a physical or psychological condition that is
expected to last at least 12 months and that impairs his or her ability to
perform daily activities.
If your child meets this definition, his or
her condition will be evaluated based on the standards set in the SSA’s blue
book. The blue book is the SSA’s official handbook of potentially disabling
conditions. Under each listing, the SSA lists the specific symptoms needed to
qualify for SSI.
As a parent, you should first check the
blue book listings to see if your child’s specific disorder is listed. If your
child’s condition is not listed, he or she may still qualify if their symptoms
match the criteria of a separate listing.
Once you find the appropriate listing, you must procure medical
documentation to prove that your child meets all of the listing’s requirements.
Communication disorders are specifically
listed in the following section of the blue book: 111.09 (Communication
Impairment Associated with a Documented Neurological Disorder). To meet this
listing, you must be able to produce medical evidence that he or she suffers
from a neurological disorder that causes the following:
·
A documented speech deficit
which severely affects the clarity and content of the child’s speech; or
·
A documented comprehension
deficit which results in ineffective verbal communication; or
·
A hearing impairment that can
be treated with a cochlear implant; or
·
A hearing impairment that
cannot be treated with a cochlear implant.
Not all communication disorders will fall
under listing 111.09. Other relevant listings may include:
·
Section 102.10 – Hearing loss not treated with cochlear implantation
·
Section 102.11 – Hearing loss
treated with cochlear implantation
·
Section 112.03 – Psychotic Disorders
·
Section 112.05 – Mental
retardation
·
Section 112.06 – Anxiety
disorders
·
Section 112.08 – Personality
disorders
·
Section 112.10 – Autistic
disorder and other pervasive developmental disorders
·
Section 112.11 – ADHD
See all blue book listings, here:
Application
Process
To begin the SSI application process, you
will be required to complete two forms and your child will have to undergo an
interview with an SSA representative. These two forms include the Child
Disability Report and the Application for SSI. Currently, only the Child
Disability Report can be filled out online. For this reason, many parents
prefer to complete both forms at the time of their child’s interview. Schedule
your interview by calling the SSA’s main phone number (1-800-772-1213).
Before attending your interview you should
collect medical and non-medical records needed to support your child’s claim.
The following checklist can be very helpful when compiling your child’s
records:
Child Disability Checklist- http://www.socialsecurity.gov/disability/Documents/Checklist%20-%20Child.pdf
What
to do in the Case of a Denial
It is important to realize that your child
may not be approved right away. In fact, many initial applications are denied. If
your child is denied, you have 60 days from the date of the denial to appeal
the SSA's decision. The best thing you can do for your child is to remain
persistent in your efforts. You can prepare for the appeals process by
collecting the most up to date medical documentation and even by retaining the
services of a disability attorney.
Once you are awarded disability benefits
you will be able to provide for your child’s needs and help them to cope with
or overcome their speech impairment.
For more information visit Social Security
Disability Help (http://www.disability-benefits-help.org/blog).
Happy talking!