How Do You Survive While Waiting For Disability Approval?

Surviving during the waiting period after applying for Social Security disability benefits can be financially challenging. On the one hand, you will have to worry about if your application will be approved or not. On the other hand, you'll have to think about your housing, food, healthcare, and other costs during this stressful period. 

That's not all! To add more to your misery, in a handful of cases, your initial application might get rejected. That's when you're forced to go through the appeal process within 60 days from the date you receive the denial notice. Remember, the whole process may take months! 

But here's the good news. You can hire a Social Security lawyer in Sacramento to help you tackle rejections and re-appeal with a solid case. While they handle the legal process, you can focus on getting financial support through some other options. But first, let's take a look at how much time you'll need to wait for a decision!

What is the Waiting Time for a Decision?

Applying for the benefits of SSI is an overwhelming process in itself. You'll have to submit all your medical records, forms, and other documents as evidence to your lawyer to make a solid case. But that's not all. After submission comes another haul- the waiting period. 

If you're a new applicant, you'll have to wait anywhere from three to five months for an initial decision. However, this can depend on the complexity of your case. But it's not rare for applicants to wait even longer than this time period! Then comes the tricky part. If your initial application is denied, you'll need to request a hearing. This means you'll have to wait for another 12–18 months. 

This delay can get longer based on jurisdictions where there are a lot of pending cases. During this time, you'll have to gather all evidence and build a solid case with the help of your Social Security lawyer. So, how are you planning to pay for your housing essentials in the meantime? Well, we've got you covered!

What are Your Alternative Options for Financial Support?

To cover your basic needs like food and housing during the waiting period, you can rely on some of the following options:

1. Part-time Work/ Freelancing - You can take up gig work that'll allow you to pay for your essentials. But be careful to choose this option only when your monthly income is below the Substantial Gainful Activity (SGA) limit. This limit, set by the SSA, might change annually.
   As of 2024, the regulations were: if you're not blind, you can't make more than $1,550 a month to qualify for disability benefits. And if you are blind, it's $2,590 a month.

2. Consider Applying for TANF. - Temporary Assistance for Needy People (TANF) is a great way to receive some financial assistance! TANF offers emergency cash aid and other services to assist low-income families in paying for basic needs such as food, clothing, shelter, and utilities.
   However, you will have to meet income and resource requirements, which are different for each state. Apply and learn more by contacting your local state agency!
3. Apply for Supplemental Nutrition Assistance Program Benefits. - Applying for SNAP benefits can help you, too. It provides food stamps for individuals with disabilities. Since you're qualified for SSI, you will most probably qualify for SNAP as well.
   Also, the majority of Social Security offices allow you to apply for food benefits during this time. Remember, SNAP is a low-asset program, so double-check the eligibility. Apply today and receive the nourishment you deserve!
4. Rent a Room/Sell Extra Items You Own. - Don't let the extra space in your home go to waste! Instead, use the room for rent and get a steady income during the waiting period. But don't let it exceed the income limit set by SSA. Also, some extra cash from selling your unused items can be useful. The good news is that it won't affect your disability application!
5. Health Insurance - Medical insurance can be a lifesaver when you require regular medical treatment during the waiting period! Fortunately, you can use this alternative to get medical treatments throughout the waiting period!

   See if you are eligible for a plan with zero waiting period or coverage of pre-existing conditions. Look for income-based subsidies to reduce your premiums. Also, policies like Medicaid, the Affordable Care Act (ACA), and temporary insurance plans can cover you in the meantime!

6. More Resources to Draw On - While waiting for disability benefits, you might want to consider getting financial support from local non-profits or private charities that can provide short-term assistance with paying rent and utility bills. And don't hesitate to appeal to loved ones! Family and close friends can also provide monetary assistance during your time of need.

Common FAQs

While you're waiting for the benefits, you might have a lot of questions about what to do and what not to do. Relax! We've got you covered!

Q. Should I Apply for a Loan?

Ans. Don't apply for high-interest loans or payday loans. We get it—when money is tight, this might seem the right option. But this can get you entangled in a vicious cycle of debts. So, avoid this route and try a different alternative for financial assistance.

Q. Can I Seek Medical Assistance During the Wait Period?

Ans. The answer is yes! But if you're seeking medical help during the waiting period, keep track of all the records and bills. In case your initial application gets denied, your lawyer can use these records for the re-appeal process.

Q. Can I Work During the Wait Period? 

Ans. Yes, you can take up a temporary part-time job! But don't cross the income limit set by SSA. This can negatively impact your application process.

Q. Should I Hire a Lawyer? 

Ans. Don't try to tackle it yourself! Get a Social Security lawyer in Sacramento. They will walk you through the entire process. This means that you will be able to have peace of mind while the legal procedures in your case are being handled!

Conclusion

Surviving during the waiting period can get pretty tough. But you don't have to face it alone! You can rely on your seasoned disability lawyer, who can take care of the complex legal world of SSI benefits. While they do that, you can explore the alternative options to stay financially afloat. 

However, be careful to avoid potential pitfalls that can affect your disability application. The best option for you will be to get help from a lawyer who can continuously provide you with personalized guidance throughout the process.

Consult Us at Hadley & Fraulob for Legal Assistance for Your Disability Benefits!

At Hadley & Fraulob, you'll get an experienced, aggressive, and seasoned Social Security lawyer in Sacramento who will get you your benefits quickly! We will provide a free case evaluation, expert guidance, and support for your case. 

We go by the motto, "We win the tough ones," and our dedicated team of lawyers has been serving our clients for over four decades! We have secured benefits for thousands of clients and look forward to securing your benefits, too. 

We will build a solid case to get your benefits and present it before the judge! Don't worry; we know how to build a strong rapport with the judges, too. Trust us, for we have an over 90% success rate! 

So, if you'd like to file for disability benefits, have some questions regarding the process, or need to reapply after having a claim denied, we'll get you the assistance you're entitled to! Reach out to us at (800) 404-4458 today!