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Old 04-21-2015, 02:10 PM
 
71 posts, read 72,570 times
Reputation: 70

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Quote:
Originally Posted by ilovemycat View Post
Were NYC firefighters always under the SS system and pay into SS? I thought they were under their own NYC/NYS pension and were "non covered". But, maybe my memory is failing me.

Also, if you were paying in, why don't you try to apply for SS disability? If you worked 5 out of the past 10 years before you became ill, you would meet the work requirement and then you would have to meet the medical requirement. But, it is worth a shot. If you do win, you get your "full benefit", meaning you don't have to wait until you hit full retirement age- there is no reduction for age and your benefits are "frozen", meaning the years of being on disability do not go against you.

I just read the comment above and they also asked you why don't you try for SS disability. You should never rule yourself out! You apply, let SS decide, if you are denied, you can appeal, and if you eventually win you are paid back all your benefits. You should try. The definition of what is disabling is the inability to perform "substantial gainful activity" for a period of a year or more due to a condition that will keep you out of work for a year, or result in your death.
ilovemycat, thanks for posting here...i really like to read your replies in every thread..yes, i paid into SS my entire working career. i agree, there really is nothing to lose by applying for SSDI and letting them decide.
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Old 04-21-2015, 02:30 PM
 
Location: Durham NC
1,190 posts, read 1,297,786 times
Reputation: 926
You were the guy running into the burning building everyone was trying to get out of? You should collect disability.
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Old 04-21-2015, 05:01 PM
 
Location: Jamestown, NY
7,841 posts, read 7,333,167 times
Reputation: 13779
Quote:
Originally Posted by twofourtythird View Post
hello...i just retired from NYC fire dept and receive a tax free pension due to my lungs.. i'm 50 years old and was curious what happens to my SS benefit when i start collecting it in 15 years at 65 or so? is it reduced because of not contributing for the next 15 years or is it maintained at its present value? i have worked and paid SS for close to thirty years....any info appreciated.
Can you do any other kind of work or are you considered totally disabled? You might be able to qualify for SS disability that will pay you starting now as if you had worked until you reached FRA. You should look into it. Some people have to hire attorneys but with a serious lung problem, you might not have to. Even if you have to pay an attorney, it might be worth it in the long run.
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Old 04-21-2015, 05:03 PM
 
Location: Jamestown, NY
7,841 posts, read 7,333,167 times
Reputation: 13779
Quote:
Originally Posted by twofourtythird View Post
ilovemycat, thanks for posting here...i really like to read your replies in every thread..yes, i paid into SS my entire working career. i agree, there really is nothing to lose by applying for SSDI and letting them decide.
NYS and local government employees are covered under SS because we pay into all the time that we work for the state, counties, or cities.
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Old 04-22-2015, 09:43 AM
 
Location: Loudon, TN
5,788 posts, read 4,841,461 times
Reputation: 19473
Many are rejected on their initial application for disability, but you simply appeal and then it is looked at again, more closely, and than you may be approved. That's what happened with my mom, ... rejected, I appealed it for her submitting some additional documentation, and then she was approved. I think it took about 4-6 months from start to finish. Don't be at all discouraged by the initial disapproval. I read somewhere that 60% or more are disapproved on their initial application.
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