Fetal Alcohol Syndrome and Social Security Disability Benefits
Fetal alcohol syndrome (FAS) is not a
singular birth defect, but rather a series of related medical problems that can
occur if a mother consumes alcohol while pregnant. FAS can cause a variety of
debilitating symptoms including problems with learning, memory, communication,
vision, and hearing.
Caretakers and parents of children
with FAS often face significant financial challenges. The medical care,
educational support, and corrective therapies necessary for many children with
FAS can be very expensive. Unfortunately, not all families can afford to cover
these costs.
If your child has FAS and you find
that you can no longer support them financially, he or she may be eligible for
Social Security Disability benefits. The
following article is intended to provide a general overview of Social Security
Disability benefits and to prepare families for the application process.
Definition of Disability
To qualify for Social Security
benefits, children with FAS must meet the SSA’s definition of child disability. The
SSA considers a child under the age of 18 to be disabled if he or she meets the
following criteria:
•
The child does
not earn a substantial income; and
•
Has a physical
or mental condition (or a combination of conditions) that very seriously limits
his or her activities; and
•
The
condition(s) has lasted, or is expected to last, at least one year or is
expected to result in death.
Children who do not meet these
criteria will not be eligible to receive Social Security Disability benefits.
Social Security Disability Benefit Programs
The SSA offers two types of disability
benefits to those who meet their official definition of disability. These
benefits are Social Security Disability Insurance (SSDI) and Supplemental
Security Income (SSI). Each program has its own set of technical requirements.
The first type of benefit—SSDI—is
intended to provide financial assistance to disabled workers and their eligible
family members. Eligibility for SSDI is
dependent upon an applicant’s employment history and past Social Security tax
contributions. This program is not
typically a good fit for children as they lack employment history. However,
children whose parents already receive SSDI are the exception to this
rule. In this case the child may qualify
under the parent’s record. This is known as dependent or auxiliary benefits. Learn
more here. (http://www.disability-benefits-help.org/glossary/auxiliary-benefits)
SSI, on the other hand, is intended
to provide financial assistance to disabled individuals of all ages who earn
very little income. There are no age or
work requirements associated with this program, making it a better option for
children. Eligibility for SSI is based solely on strict financial limits. Because most children are not responsible for
their own finances, the SSA will evaluate a child’s disability claim based on
the income of their entire household. The process of allocating a parent or
guardian’s income to the record of a child applicant is called deeming. Deeming
applies to children who are younger than 18, unmarried, and who still live with
a parent or guardian. Learn more about deeming and SSI eligibility, here. (http://www.socialsecurity.gov/ssi/spotlights/spot-deeming.htm).
Medical Eligibility
In addition to being technically eligible for
disability benefits, applicants must also be medically eligible. Medical
eligibility requirements are listed within the SSA’s official guidebook of
disabling conditions—commonly referred to as the SSA’s Blue Book.
Within the Blue Book, there is no specific
listing for FAS. However, Children with FAS may qualify under a number of
listings related to their impaired body system. Below are many related Blue
Book listings:
·
Section 100.00- Growth Impairment
–helpful for children with FAS who suffer from low body weight.
·
Section 101.00- Musculoskeletal System—applies
to children who have problems with their bones and joints.
·
Section 102.00- Special Senses and
Speech—vision and hearing problems.
·
Section 104.00- Cardiovascular System—cardiovascular
impairments such as chronic heart failure and congenital heart disorders.
·
Section 105.00- Digestive System—relevant
health problems like chronic liver disease, liver transplants, and
malnutrition.
·
Section 106.00- Genitourinary
Impairments—helpful to children with impairments of kidney function or
urinary system.
·
Section 111.00- Neurological—applies to children who suffer from seizures, motor
dysfunction, and communication disorders.
·
Section 112.00- Mental Disorders—helpful for
children who have mental disorders like ADD/ADHD, mood disorders, and psychotic
disorders.
Under each of these listings you will find the medical criteria
for specific health conditions and diseases. To qualify for disability
benefits, your child must meet the criteria of at least one Blue Book listing.
You can find all Blue Book listings, here. (http://www.ssa.gov/disability/professionals/bluebook/ChildhoodListings.htm)
Social Security Disability Application Process
To begin the SSI application
process on behalf of a child, you should call the SSA immediately to schedule a
disability interview. The next available appointment may not be for several
months. While you wait, you should use the time to collect all necessary
medical and non-medical records. You can
find a complete list of these records, here. (http://www.ssa.gov/disability/Documents/Checklist%20-%20Child.pdf)
The actual application for SSI is
made up of two separate forms:
1. Application for Supplemental Security Income
2. Child Disability Report
Although the first form can be
completed online, the second cannot. Therefore many parents find it easier to
complete both forms during the scheduled disability interview.
Receiving a Decision
After submitting an application on
behalf of your child, you may have to wait several months before receiving a
response. During this time the SSA may contact you for additional information
concerning your child’s medical condition. Be sure to respond to these requests
promptly in order to avoid any further delays in the approval process.
Due to strict requirements, many
initial applications for benefits are denied. If your child’s initial
application is denied, you have 60 days in which to appeal this decision. During
the appeals phase it may be in your best interest to seek the assistance of a
Social Security Disability attorney or advocate. A legal professional will be
able to help prepare you for the appeals process and will prevent you from
making costly mistakes.
Although the appeals process may
seem complicated and overwhelming, it is often an essential step toward being
awarded benefits. In fact, many more applicants are awarded benefits during the
appeals processes than during the initial application. For this reason, it is
important that you do not give up.
For more information visit Social
Security Disability Help (http://www.disability-benefits-help.org/blog) or contact Molly Clarke at mac@ssd-help.org.