I'm anal we all know this...so here is my pros/cons list for SSDI, LTD and working.
I emailed my social worker at clinic today to start the process of SSDI. Or think about starting it. And figuring out when.
SSDI
Pros:
Go to school full time
Not stress about going to school and trying to work
See family and friends more
Possible improvement in health
Work small part time job for extra income (Barnes and Noble? Discount!)
More time to read/crochet
Exercise more regularly
Grants for school maybe
Place student loan repayment on hold until I can work again
Food Stamps / State insurance
Cons:
Less money
Health Insurance issues
May not be able to get student loans
Might not be able to pay all bills
Money stress
Full Time Work
Pros:
Keep current income
Health insurance
Independence
Like my work friends
Easier to get student loans (possibly)
Cons:
Sleep deprived
Can’t exercise whenever I want
Will wear myself out with school and work
Can only take one class at a time
No life / never see friends or family
Work related stress
LTD:
Pros:
Go to school full time
More time to read/crochet
Exercise more regularly
See family / friends more
Possible health improvement
Less stress of working
Can get SSDI while on LTD, LTD will just deduct SSDI payments
Cons:
Can not work at all
Might not get any grants
Dealing with the insurance company every week to get paid
Stress about going to school while on LTD
Unsure of health care options
I emailed my social worker at clinic today to start the process of SSDI. Or think about starting it. And figuring out when.
SSDI
Pros:
Go to school full time
Not stress about going to school and trying to work
See family and friends more
Possible improvement in health
Work small part time job for extra income (Barnes and Noble? Discount!)
More time to read/crochet
Exercise more regularly
Grants for school maybe
Place student loan repayment on hold until I can work again
Food Stamps / State insurance
Cons:
Less money
Health Insurance issues
May not be able to get student loans
Might not be able to pay all bills
Money stress
Full Time Work
Pros:
Keep current income
Health insurance
Like my work friends
Easier to get student loans (possibly)
Cons:
Sleep deprived
Can’t exercise whenever I want
Will wear myself out with school and work
Can only take one class at a time
No life / never see friends or family
Work related stress
LTD:
Pros:
Go to school full time
More time to read/crochet
Exercise more regularly
See family / friends more
Possible health improvement
Less stress of working
Can get SSDI while on LTD, LTD will just deduct SSDI payments
Cons:
Can not work at all
Might not get any grants
Dealing with the insurance company every week to get paid
Stress about going to school while on LTD
Unsure of health care options