Apply for Other Financial Assistance Programs

While waiting for your disability decision, you may be able to access other forms of financial assistance to help cover your basic needs:

• Supplemental Security Income (SSI): If you don’t qualify for SSDI or if you have limited work history, you may still qualify for SSI, which is based on financial need. Even if you’re waiting for SSDI, you may be able to apply for SSI to receive immediate help.
• State Assistance Programs: In many states, there are temporary programs for individuals with disabilities, including state-funded benefits for healthcare, housing, food assistance, or unemployment benefits. Check with your state’s department of health and human services or disability services for available programs.
• Unemployment Benefits: If you’re unable to work due to disability but are still capable of seeking work, you may be eligible for unemployment benefits. However, be cautious because applying for unemployment may affect your SSDI claim, as you must declare that you’re “able and available to work” when applying.

Explore Temporary Work Options or Adjust Your Schedule

If you’re able to work but your disability prevents you from doing full-time or regular work, consider looking for temporary, part-time, or flexible work opportunities. Depending on your disability, this might include:

• Remote or Freelance Work: Many people with disabilities find that working from home or as a freelancer allows them to manage their health while earning money.
• Low-Impact Jobs: Look for jobs that are less physically demanding or allow you to work at your own pace, such as data entry, customer service, or online tutoring.

If you choose to work while waiting for your disability benefits, be mindful of the Substantial Gainful Activity (SGA) limits for SSDI. Earning more than these limits can delay or hurt your SSDI claim.

Cut Costs and Create a Budget

Managing your finances while waiting for disability can be difficult, but it’s possible with careful planning:

• Reduce Unnecessary Expenses: Take a close look at your spending and identify any areas where you can cut back. Cancel subscriptions, downgrade to cheaper services, and eliminate unnecessary spending.
• Create a Strict Budget: Set a realistic budget that accounts for your essential needs, such as rent, utilities, food, transportation, and medical costs. Prioritize these expenses, and set aside a small emergency fund if possible.
• Ask for Payment Extensions: If you’re behind on bills, don’t hesitate to contact your creditors and ask for extensions or a payment plan. Many utility companies, lenders, and landlords are willing to work with individuals who are experiencing financial hardship.

Look Into Community Resources and Charitable Assistance

Many community organizations, nonprofits, and charities can provide assistance during difficult times. These resources may include:

• Food Banks and Pantries: Many communities have food banks or pantries that provide free or low-cost food to those in need.
• Rental and Utility Assistance Programs: Some organizations help people who are struggling to pay rent or utilities. Search online or contact local charities to inquire about available resources.
• Medical Assistance: Some states have programs that offer discounted or free healthcare services for individuals with limited income or disabilities. In addition, hospitals may have charity care programs or sliding scale fees.

Explore Health Insurance Options

If you don’t already have health insurance, you may be able to apply for assistance while waiting for disability:

• Medicaid: If you’re approved for SSI, you’ll automatically qualify for Medicaid in most states, which provides low-cost or free healthcare services.
• COBRA: If you were previously employed and have lost your job due to disability, you might qualify for COBRA insurance, which allows you to continue your employer’s health insurance coverage for a limited time (usually up to 18 months).
• Affordable Care Act (ACA) Marketplace: If you don’t qualify for Medicaid or other programs, you may be eligible for an ACA plan through your state’s health insurance marketplace. Check if you qualify for subsidies to make health insurance more affordable.

Consider Getting Legal Help for Your Disability Claim

If your disability claim is taking longer than expected or has been denied, it might be worth consulting with a disability lawyer or advocate. Lawyers who specialize in Social Security Disability claims can help you:

• Navigate the Application Process: They can ensure you fill out all forms correctly and help you gather the necessary medical evidence for your claim.
• Appeal Denied Claims: If your disability application is denied, a lawyer can assist you in appealing the decision and represent you during hearings.
• Speed Up the Process: While legal assistance may not speed up the SSA’s processing times, having a lawyer who understands the system can help prevent delays due to mistakes or missing information in your application.

Take Care of Your Health and Mental Well-Being

Waiting for disability benefits can be mentally and emotionally taxing, especially if you’re struggling with a serious medical condition. During this time, it’s important to prioritize your health and well-being:

• Stay Connected: Reach out to family members, friends, or support groups who can offer emotional support and help you stay positive.
• Take Care of Your Physical Health: Keep up with your medical appointments, follow your treatment plan, and take care of your body as best as you can.
• Focus on Mental Health: If you’re feeling stressed, anxious, or depressed while waiting for your benefits, consider speaking with a counselor or therapist. Many organizations offer low-cost mental health services, and online therapy options are available if in-person visits are difficult.

Be Patient and Stay Persistent

The disability claims process is known for its delays, and it can take time to receive the benefits you need. While waiting, it’s essential to stay organized, be persistent, and keep track of any correspondence from the SSA. Stay on top of deadlines and follow up regularly to ensure your application is progressing.