Supporting Family After Applying for Social Security Benefits
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by: albert.tobega
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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. 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. Most claimants who are denied choose to take the next step and have their case reconsidered and, if necessary, appeal for a hearing. 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. It is very difficult to know how long it will take a particular social security disability case to go through the review process. 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. Your earnings must be below what Social Security has established as the substantial gainful activity limit. Unfortunately, no matter how small the workload, be aware that it could influence how your injury or condition is viewed by the reviewer. 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. 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. 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. Some groups pay for prescriptions for those who qualify.
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. An exemption will lower the assessed value on your home by up to $50,000. Request a disability exemption application.
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