Approval for the claim you submit for Social Security Disability benefits can take months. Meanwhile, a major source of income shuts down because you cannot work.
Here are five tips to help you survive until you receive approval for SSD benefits.
Friends and family
Do not hesitate to approach your family or close friends for financial assistance as you await SSD benefits approval. Their willingness to help may surprise you.
Social Services Department
The Department of Social Services in your county can provide information about government programs through which you might receive various kinds of assistance.
Religious organizations
If you belong to a church or synagogue, reach out for their help. You can also find help from religious or charitable organizations such as the Salvation Army.
Personal resources
If you are a homeowner, you might consider taking out a home equity loan or perhaps refinancing. You might also qualify to borrow from your retirement plan, such as a 401(k).
Other support options
There are a number of local, state and federal programs that offer support, such as:
- Temporary Assistance for Needy Families, or TANF
- Supplemental Nutritional Assistance Program, or SNAP
Help to file
People often find the filing procedure for Social Security Disability benefits to be cumbersome and confusing. This is where an advocate experienced with the system can help. With an advocate by your side, you better your chances for claim approval as well as the potential for a shorter wait, making the need for interim survival a little less frustrating.
