Applying for social security benefits can be a challenge in itself. However, the time that it takes social security to review your application can be very long and drawn out. Currently, the wait times at each level are as follows:
Initial Application 3-6 months
Appeals 3-6 months
Hearing 12-18 months
Appeals Council Review 24-36 months
Federal Appeal 8 months
As of Q3 in 2015, 1.3 million people applied for disability benefits. As these applications are being processed, many people are finding themselves in a financial bind while waiting. Some people may decide to go back to work while waiting for a decision. Unfortunately, this could become very problematic if you are stating you cannot work any type of job because of certain conditions. Social Security Disability (SSDI) and Supplemental Security Income (SSI) are two types of programs that a disabled person can apply for. Each program is different in terms of financial thresholds. For SSDI, the SGA (Substantial Gainful Amount) is set at $1090.00 per month. SSI is a need- based program and does not allow a person to have a significant amount of income or assets. If an individual exceed the financial threshold for either program, the claim is at risk of being denied.
It is best to try and get assistance through county, state and federal support programs. Generally, these programs offer food, cash assistance, housing assistance and medical. However, eligibility for these programs can also vary based on income and asset limits.