What Disability Benefits Are There for People With Cancer?

If you or a loved one has been diagnosed with cancer, you likely have a lot on your mind. According to the National Cancer Institute, the rate of new cases of cancer, also known as cancer incidence, is 442.4 per 100,000 men and women annually. 

Along with making treatment decisions, you may be wondering about financial considerations. Cancer treatment can lead to reduced ability to work. Fortunately, there are some disability benefits available that can provide vital assistance. Read on to learn more about the options.

Social Security Disability Insurance

One potential source of disability benefits is Social Security Disability Insurance (SSDI). To qualify for SSDI, you must have worked and paid Social Security taxes for a certain number of years. The Social Security Administration (SSA) has a list of medical conditions that automatically qualify for fast approval of SSDI, including some types of cancer. 

If your specific diagnosis is not on the list, the SSA will evaluate your ability to work. If approved, SSDI provides monthly income and access to Medicare after a waiting period. Connect with your local Social Security office to apply.

Supplemental Security Income

If you don’t have the work history to qualify for SSDI, Supplemental Security Income (SSI) is another option. SSI is a needs-based program for people with limited income and assets. To receive SSI disability benefits, you’ll need to prove that your medical condition prevents you from working. Make sure to check in with your local cancer treatment center about signing up for SSI.

Private Disability Insurance

Some people have private disability insurance through their employer or purchased individually. Check your policy details, as some plans have exclusions for pre-existing conditions. 

If you have private disability coverage without a pre-existing condition clause, you can file a claim to start receiving those benefits. Provide documentation from your cancer treatment providers to show your diagnosis and treatment plan.

Coping with cancer is difficult enough without financial worries. Social Security, SSI, and private insurance provide avenues to secure vital disability benefits. Knowing these options are available can offer some peace of mind. 

Be sure to connect with your local cancer treatment center’s social workers to discuss your specific situation as well. They can help guide you through the process of applying and give you personalized advice. If you’ve been diagnosed with cancer, reach out to our local cancer treatment center to get help, treatment, and guidance. Our team at Palo Verde Cancer Specialists is here to stand by you through this difficult time.