Supporting Family After Applying for Social Security Benefits

04/18/09

Q: While you are awaiting a decision on a disability application for social security benefits, how are you supposed to support your family?

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. Most claimants who are denied choose to take the next step and have their case reconsidered and, if necessary, appeal for a hearing. 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. 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. Consider moving to a smaller or less costly place, if you are renting. Some claimants are able to rely on loved ones for a loan or other resources during the interim period. Apply for any and all state and federal aid programs for which you qualify. Many gas, water and electric companies provide assistance to their customers in need, as well. Many medical billing departments will work out payment plans, if they know your particular financial situation. 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: 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.