You will need to budget your finances carefully while you wait for your SSDI benefits to be approved.Filing for SSDI benefits is time-consuming and it can be financially draining for people with few options for income. It is best to plan ahead so you are prepared for the claim process. There are options for people in financial need, but the best long-term solution is to budget your finances and be prepared.

It is important to have a plan or course of action when waiting to have your Social Security Disability benefits approved because they usually take a long time. It would be beneficial to create a budget and cut off unnecessary expenses even if emergency advance payments or interim assistance is available to you. You can cut costs and save more by:

  • Taking in a roommate to divide housing costs
  • Apply for charity services to cover your rent and bills
  • Rent out your apartment and move in with family
  • Apply for food stamps with the Supplemental Nutrition Assistance Program to save on groceries

What are Emergency Advance Payments?

If you are new to receiving Supplemental Security Income, then you may be eligible to receive emergency advance payments. This means being paid up to a month of SSI benefits. You will have to repay this amount by letting the SSA take away some of your monthly SSI benefits for up to six months or taking one full payment out. This all depends on your financial circumstances. The SSA will waive the repayment if your claim is denied due to not being disabled, or it will treat it as an overpayment if denied for other reasons.

What is Interim Assistance?

An interim benefit is an emergency advance payment that comes from the state, not the SSA. Each state has different rules over providing interim assistance payments to applicants. You are eligible to receive interim assistance from the time your SSI benefits are approved to when you receive your first SSI payment. The Human Resources Administration (HRA) will determine how much interim assistance you will receive once the SSA approves you for SSI benefits and sends your initial payment to them. You will receive whatever amount of money is left over after the payment is sent to the HRA. Your whole check is sent to the HRA if interim assistance is higher than SSI monthly benefits received.

Do I Need to Hire a Lawyer?

It can take a long time to be approved and even longer if going through the appeals process. If you do hire a lawyer, however, they will be able to help you receive the benefits you are entitled to, make it less stressful for you as they take on the workload, and can help you appeal if denied. This will allow you to focus more on your recovery. Please call BenGlassLaw at (703) 584-7277 or visit our website to receive a free consultation on applying for Social Security Disability payments.

Ben Glass
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Ben Glass is a nationally recognized Virginia injury, medical malpractice, and long-term disability attorney