Working While Awaiting Social Security Benefits
Q: How do people care and feed for their families, while they wait for a social security disability benefits claim approval?
A: Waiting for a final decision about your social security benefits claim can range from months to 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. 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. 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. Many claimants struggle to support themselves and their families, while they are in limbo waiting for an answer about their particular social security benefits case. Even those who can work in some capacity find it tricky. 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. If you own your home, consider refinancing the original mortgage to free up funds. If you currently rent, look into finding a less expensive property. 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. An exemption will lower the assessed value on your home by up to $50,000. Request a disability exemption application.
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