Working While Awaiting Social Security Benefits

04/23/09

Q: While you are awaiting a decision on a disability application for social security benefits, how are you supposed to support your family?

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. Most estimates say cases that go through an administrative hearing take 2. 5 years from initial application to final decision. 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. Cut all unnecessary spending and put that money in a special account to help you through the interim period. If you own your home, consider refinancing the original mortgage to free up funds. 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. 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: You may be eligible for an exemption from Florida. An exemption will lower the assessed value on your home by up to $50,000. Apply for a disability exemption. .

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