Getting By After Submitting Social Security Benefits Claim
Q: How do people care and feed for their families, while they wait for a social security disability benefits claim approval?
A: The application review process for social security benefits can take anywhere from a few months to few years. Most cases take on average about 3 months to go through the initial review process. 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. Appeals will make your wait even longer. 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. Since most people cannot work while awaiting a decision about their application for social security benefits, getting by financially can be a hardship. If you are able to work in a limited manner, you have to be aware of the impact it may have on your case. 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. No matter what your decision is about working in a limited capacity, plan ahead as soon as you apply for social security benefits. Get rid of discretionary budget items and, instead, set aside the money. Many claimants refinance their property, so they will have money to put toward living costs while they wait. Consider moving to a smaller or less costly place, if you are renting. Contact family and friends who may be able to offer short term financial support. Submit applications for public assistance programs. Contact your utility companies to see if they offer aid programs. Many medical billing departments will work out payment plans, if they know your particular financial situation. There are many non profit organizations that also provide assistance. 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: The state of Florida offers special homestead tax exemptions for which you may qualify. Such exemptions can reduce the taxable value of your property significantly. Request a disability exemption application.
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