Social Security Benefits and Getting By Financially
Posted 05/07/09
Q: How do people care and feed for their families, while they wait for a social security disability benefits claim approval?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. A large number of initial applications are not approved after the first step. 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. The additional steps add time to process, of course. By the time a claimant has his case heard before a judge, he has often been waiting 2 years. Unfortunately, it is almost impossible to anticipate the length of time it will take for a decision to be rendered on a claim for disability benefits. Many claimants struggle to support themselves and their families, while they are in limbo waiting for an answer about their particular social security benefits case. 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. Cut all unnecessary spending and put that money in a special account to help you through the interim period. Many claimants refinance their property, so they will have money to put toward living costs while they wait. 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. Church groups, for example, may have food support programs.
Q: I live in Florida, currently collect disability social security benefits and am in danger of having my home foreclosed. What should I do?
A: You may be eligible for an exemption from Florida. Such exemptions can reduce the taxable value of your property significantly. Request a disability exemption application.