Getting By After Submitting Social Security Benefits Claim

Q: While you are awaiting a decision on a disability application for social security benefits, how are you supposed to support your family?
A: Waiting for a final decision about your social security benefits claim can range from months to years. Claimants are told to expect a 90 to 120 timeframe for an initial application to be reviewed. Most claims are denied during the initial review process. If an application is not approved, you can apply for reconsideration and, if you are denied again, appeal to have your case heard before an administrative judge. Appeals will make your wait even longer. Most estimates say cases that go through an administrative hearing take 2.5 years from initial application to final decision. It is very difficult to know how long it will take a particular social security disability case to go through the review process. Since most people cannot work while awaiting a decision about their application for social security benefits, getting by financially can be a hardship. Even those who can work in some capacity find it tricky. There are limits to the amount of income you can bring in. In spite of that, it is important to understand that, while your claim is under review, how your limited work is perceived by the disability examiner for your case can affect the decision. Regardless of whether you pick up work while awaiting a decision about your social security benefits, it is wise to take action now in case your claim takes longer than originally expected. Get rid of discretionary budget items and, instead, set aside the money. If you own your home, consider refinancing the original mortgage to free up funds. If you currently rent, look into finding a less expensive property. Contact family and friends who may be able to offer short term financial support. Apply for any and all state and federal aid programs for which you qualify. Contact your utility companies to see if they offer aid programs. Speak with your doctor about billing plans that might be available to those awaiting benefits decisions. Look into charities that might be able to help. Some groups pay for prescriptions for those who qualify.
Q: I collect social security benefits and am worried about keeping up with my mortgage. Do you know of any program provided by Florida that will help me in this situation?
A: You may be eligible for an exemption from Florida. Such exemptions can reduce the taxable value of your property significantly. Apply for a disability exemption.