What Is the Best Way to Apply for Social Security Disability?
07/30/09
Q: What can you do to get by financially when your claim for social security disability is still being processed?
A: It can take quite some time for an application for social security disability to go through the review process. Finding ways to get by in the meantime can be worrisome for some claimants. Knowing that the review process can take time, a first step is to plan ahead financially. Do not make any unnecessary purchases, especially large ones. Regardless of what you can afford now, resist temptation to spend. Try to put savings away for the sole purpose of supporting you through the long wait that may happen with your social security disability application. Mandatory expenditures can sometimes be adjusted to allow flexibility during the waiting period. Some gas and electric companies have aid programs for those with limited income to help pay for winter heating bills. Refinancing a mortgage or other loan to free up funds can be an option. Some applicants are fortunate to have loved ones that can help them with financial support during the interim period. Look into aid programs to help with doctor bills and medication. It is important that you do not stop your medical care. Some churches and non profits have programs to help with prescription costs. Research any health benefits with the state for which you might qualify. Find free clinics, if need be, for routine visits. Talk to your doctor about restructuring payment plans. Explain your situation and be proactive before you get in trouble. Filing for public assistance programs can also be helpful. General Assistance is a state program that can lend you money that will have to be repaid after your social security disability case has been processed. Section 8 housing aid or food stamp programs may be helpful if your wait is long. If your finances are in trouble because of your wait, it may be wise to seek counsel with a lawyer specializing in social security. It is possible that you qualify for dire need aid with the agency. Such assistance can help expedite your claim and offer monetary aid.
Q: Is it possible to apply for social security disability benefits at an actual Social Security office?
A: You can apply for social security disability insurance online, over the phone or in person. It is often recommended that doing it in person is the best method. A face to face appointment with the disability manager who will handle your case gives opportunities for real contact that applying online or via telephone will not. The meeting will be your first opportunity to provide background on your claim and medical condition, and the disability case manager will get to see how your condition currently affects your ability to function. This initial meeting sets the stage for the rest of process. To request an initial appointment in person, call Social Security and tell them you would like to apply for social security disability insurance in person. You will then receive a confirmation of the scheduled appointment via mail.
Q: How long does a claim for social security disability benefits take?
A: Decisions on some cases are reached within a few months, while others are not reached for years. A decision for a normal case that has all the required materials is made within 90 days or so.
See here also