Dementia affects many individuals in the United States, leaving them unable to work or manage daily tasks independently. To maintain a good quality of life, many turn to support resources for assistance.
In this article, we’ll explore what dementia is and how it impacts daily living. We’ll also discuss whether dementia qualifies as a disability, its common symptoms, the four main types of dementia, and the process of obtaining disability benefits. Additionally, we’ll examine the challenges faced by individuals with dementia when seeking disability support and provide a list of helpful resources for those living with the condition.
Dementia and Its Impact on Daily Life
Dementia is a broad term used to describe a range of conditions that impair memory, thinking, and the ability to perform everyday tasks. It results from various diseases that damage nerve cells and disrupt brain function, leading to cognitive decline far beyond what is seen in normal aging. While dementia does not impact consciousness, it often affects cognitive abilities and can bring significant changes to mood, behavior, motivation, and emotional regulation.
The effects of dementia extend beyond the individual. It carries economic, psychological, and physical repercussions, not just for those living with the condition but also for their caregivers, families, and society as a whole. Unfortunately, a lack of understanding about dementia contributes to stigma, challenges in diagnosis, and barriers to accessing proper care.
Does Dementia Qualify as a Disability?
According to the Social Security Administration, dementia is considered a disability. If you can show that you are not able to work because of your dementia, you may be able to get disability benefits. The Americans with Disabilities Act (ADA) also considers dementia to be a disability.
The Americans with Disabilities Act (ADA)’s definition of a disability is a physical or mental impairment that substantially limits one or more major life activities. This also pertains to individuals who have a record of such an impairment, even if they do not currently have a disability. When it comes to the SSA, under title II and title XVI, a person is considered disabled if he or she has a medically determinable physical or mental impairment (or combination of impairments):
- Which prevents him or her from doing any substantial gainful activity (SGA)
- Has lasted or is expected to last for a continuous period of at least 12 months, or is expected to result in death.
What are the Symptoms of Dementia?
Symptoms of dementia can vary from person to person, but the most common initial signs are changes in mood and behavior and problems with short-term memory. All forms of dementia are degenerative conditions, which means that the symptoms will continue to worsen. Over time, those with dementia often require the help of others to manage their care. The following are signs and symptoms of dementia that can be noticed early on:
- Forgetting various things or recent events
- Losing things
- Getting lost when walking or driving
- Confusion even in familiar places
- Losing track of time
- Having a tough time resolving issues or making decisions
- Issues with following conversations or having trouble finding words
- Having a tough time performing familiar tasks
- Misjudging distances
The 4 Common Types of Dementia
Dementia comes in various forms, each with its unique causes and symptoms. Below are some of the most common types:
- Alzheimer’s Disease: This is the most common type of dementia and is responsible for up to 80% of all dementia cases. Those who have Alzheimer’s have a tough time remembering recent events.
- Vascular Dementia: This type of dementia accounts for only 10% of cases but is the second most common type of dementia. Vascular dementia is caused by an issue with blood flow to the brain.
- Lewy Body Dementia: Those affected by Lewy Body Dementia may have issues with movement, difficulty sleeping, visual hallucinations, and changes in alertness.
- Frontotemporal Dementia: Those who have frontotemporal dementia (Pick’s disease) will experience a change in personality and behavior as well as issues with language skills.
Can I Get Disability Benefits for Dementia?
Those affected may qualify for disability benefits due to dementia if the condition prevents them from working. Below, we provide an overview of how disability benefits are handled by various government organizations.
How Does Dementia Qualify Under ADA Protections?
The ADA considers dementia a disability since it impairs cognitive function and can limit one or more life activities.
How Does Dementia Qualify Under SSA?
It can qualify under SSA if it is severe enough that the person affected is unable to work. Dementia patients have a higher chance of qualifying if they have a diagnosis, are undergoing treatment, and have medical evidence of how dementia is affecting their daily lives.
SSA’s Blue Book
Dementia is listed in the SSA Blue Book, which is a document of qualifying conditions, under the sections of neurodegenerative disorders of the central nervous system and neurocognitive disorders.
SSDI and SSI Eligibility for Individuals with Dementia
Those with dementia have expedited access to Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). This is because the Social Security Administration (SSA) has added Younger/Early Onset Alzheimer’s to the list of conditions under its Compassionate Allowances (CAL) initiative.
What Challenges Do People Face Obtaining Disability Benefits for Dementia?
Those who have a dementia diagnosis and are looking to apply for disability benefits will face challenges regarding the application process, including gathering and providing medical documents, and securing benefits initially. Here are a few things that should be done to obtain disability benefits for dementia:
- Neurological and cognitive testing: This type of evaluation will allow for a detailed and objective assessment of the cognitive abilities of the patient that may not be provided in their medical records.
- Legal assistance options for appealing a denied claim: There are local organizations that offer free legal help to those appealing a denied claim. Make sure to connect with the local department of aging in your area so they can help you further.
Resources Available for Individuals with Dementia
Caring for a loved one with dementia can bring many challenges, especially when it comes to accessing essential resources. To support individuals with dementia, their families, and caregivers, here are some valuable resources to explore:
Alzheimer’s Association and Advocacy Groups
If you or a loved one is navigating the challenges of dementia, support is available. Reach out to the Alzheimer’s Association or local advocacy groups for valuable resources and assistance.
Medicare & Medicaid Coverage for Dementia Care
Medicare will cover certain healthcare costs related to dementia, such as inpatient care, some doctor’s fees, and prescription drugs. Medicaid will cover long-term care in nursing homes, including memory care, for individuals with limited income and resources.
Long-term Care Planning and Financial Assistance Options
There are several financial assistance options available to support care needs. Private funding options include personal savings, life insurance, and long-term care insurance. Additionally, government programs like Medicare, Medicaid, and VA benefits can provide essential support. Alternative care solutions, such as respite care, adult day care, and memory care, offer further flexibility to meet individual needs.
In-Home Care vs. Memory Care Facilities
In-home care allows individuals to remain in the comfort of their own homes while receiving personalized support from a dedicated caregiver. Memory care facilities take this concept further by providing specialized care tailored to those with memory-related conditions. These facilities typically offer 24/7 supervision, maintain a high staff-to-resident ratio, and employ caregivers with advanced training in memory care.
Navigating life with dementia presents numerous challenges, but with the right support and resources, individuals can maintain their quality of life. Recognizing dementia as a disability ensures that those affected can access the necessary benefits, legal protections, and healthcare services to manage their condition. While applying for disability benefits may involve hurdles, early diagnosis, thorough documentation, and professional guidance can improve the chances of approval. Whether through in-home care, memory care facilities, or community support organizations, individuals with dementia and their caregivers have access to a variety of resources to ease the burden. By staying informed and proactive, those affected by dementia can secure the assistance they need to lead fulfilling lives despite the challenges they face.
Dementia Care from Assisting Hands in Sarasota, FL
Those suffering from dementia benefit the most from receiving care in the familiar environment of their home. At Assisting Hands Home Care, we provide in-home Alzheimer’s and dementia care to ensure that dementia patients get the care and assistance they need to continue living at home. Our caregivers help dementia patients with activities of daily living (ADLs), and they can recognize and react to the most common behaviors of dementia, such as tempering mood swings and ensuring their safety. You can expect our caregivers to treat your loved ones with compassion and respect and become a familiar, friendly face.
For more about our Alzheimer’s and dementia care services in the Sarasota, FL area, give us a call at (813) 868-6782.
