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I am a liver transplant patient. When I applied, I went to SSI office about a month after my transplant. I let them know they could contact Mayo for my records. I was approved 2 months later but did not receive any check for another 4 months. They said I had to be disabled for 6 months before it would start. They used my transplant date as start date as i worked up to day of surgery. So i had transplant June 10 and received my first check January 9th. I also had to wait 2 years for Medicare. It cost me $850 a month for my cobra insurance for 2 years. I had to use what 401K my wife and I had to live for 6 months living expenses. Now I have Mayo collections coming after me for $70,000 that insurance did not cover of about $900,000 they did pay. So even when you do go onto SSI, dont expect it to be a cure all.
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@bikermike Wow. That is tough--owing that amount of money. At least your health is better. I'll bet that bit, by bit you get that amount of money paid off and return to a less monetarily stressful life.
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@bikermike I am glad you were given another chance at life with your liver transplant. Transplants are a very expensive proposition. If at all possible, folks need to have secondary insurance along with SSI. I came close to needing a double lung transplant in 2013, thank God and Mayo; my disease hasn't come to that yet. I am on disalility, but cannot buy secondary insurance because I am under age of 65. It is a new rule they added I think in 2007.