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  • Greg

    There’s one little flaw in your article – and believe me, I thought the
    same thing you did. I’m going through the permanent disability
    forgiveness steps right now. My battle with cancer ravaged my body and
    left me weakened and with severe nerve damage in both arms and legs,
    renal, bowel, and bladder issues. I have been on Social Security
    disability since 2012. I requested the Social Security Benefits Planning
    Query (which is the form that sector of the Department of Education
    that handles forgiveness uses in requests). On my Query, it states that
    my last review was in 2014. It also clearly states that the next review
    is not scheduled until 2019. You’d think that would satisfy the whole ”
    next scheduled disability review will be within five to seven years from
    the date of your most recent determination” requirement, Right? Wrong.
    According to the Department of Education – or at least the
    sub-department assigned to handle student loan forgiveness- they don’t
    care a whit about when your last appointment was or when the next one
    will be. What they DO look at -only- is the section called, “Medical
    Re-exam Cycle.” It’s the one that shows how often a review could be
    requested for your particular case. According to the folks at the Dept
    of Education, that line can read, “1 year, 3 years, 5 years, or 7
    years.” IF the cycle does NOT say ” 5 or 7 years” you are not eligible
    for forgiveness. I’ve gone back and forth with them telling them that no
    where on their application does it state “medical re-exam cycle” as a
    determining factor for eligibility. I’ve contacted both my local and the
    national offices for the social Security department. They’ve both told
    me -and even gave me a form to look at to prove it – that the Social
    Security Department only has re-exam cycles of, 1, 3 + (plus), or 7
    years.” They do NOT do 5 years. The Department of Education stated that
    the information I received from SSA is incorrect, and that they get 5
    plus re-exam cycles ‘all the time.’ Odd how the SSA can be wrong about
    their own policies, no? So, I am forced to have to go the physician’s
    route simply because the Federal Department handling these reviews can’t
    seem to understand that what THEY decide to go by, and what is not only
    on their application, but also with the SSA, don’t match. I think it
    would be a wonderful thing, MS. Author, if you put to bed once and for
    all – why does the application demand proof of time lapse between
    SCHEDULED REVIEW DATES, yet the department which designed said
    application, IGNORES said SCHEDULED REVIEW DATES (and thus their
    application) and insist on a re-exam cycle that apparently doesn’t exist
    with the SSA department. let me know how it goes – may vindicate the 20
    or hours I spent on the phone and in emails challenging them.

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