"How To Survive The Wait Until
 You Win and Get Your First Check! "

Greetings 

    Welcome to lesson 10 how to survive the wait.
  
…. you may find that you are like lots of others that are disabled and still working full time  because surviving the wait is difficult.

Although there's no Magic pill to address the ridiculous timeframe,  we have uncovered tips for a short term strategy that will help you through until you win.

               Tips from others that have survived the wait! 

1. Win Your Case Quick
Avoid the mistakes that cause delays and maximize your chances of winning in the shortest amount of time by taking all the lessons and interview attorneys.

2. Group Disability Insurance
If you have been employed prior to filing make certain you
investigate your companies short term and long term insurance policies... 

Often Long Term disability policies through work can be a big
help in bridging the gap till you win your SSDI case. 

3. State Disability
A few states including California, Hawaii, Rhode Island, New Jersey and New York offer state disability.

If you don't have private or employer-provided disability insurance benefits, you may be covered by your state's program.  

Find out if you have been paying into your state's disability insurance program through automatic payroll deductions, if you elected it instead of (or in addition to) disability insurance benefits offered by your employer.

Typically, state disability insurance benefits are administered by the same agency that administers unemployment insurance (or a division of same). In fact, you might be covered by state disability insurance even if you are unemployed when your disability starts. To find out if your state offers such a program (and vocational rehabilitation too), start by contacting your state's unemployment office. 

4. Back Benefits and Loans
I'm sure this is a scary thought but keep in mind if you have assets 
like a you can leverage while waiting you can pay back the loan with the back benefit check you receive.  

Members have been able to remove money from a 401K plan a 10%. This strategy may also work for a company’s pension also…. please note these are idea’s that have worked for others … it is always advised that you consult a tax professional about your individual needs.

The very general rule on your retroactive benefits (back benefits) 
is that you accumulate back benefits from the time you became disabled until you win your case...  

So its common for members to accumulate and receive a significant 
check that can pay back your loan. 
 
5. Reduce your expenses

6. Housing 
A. Learn from members Brenda and Linda in Part 5 of this tele conference how declaring bankruptcy or getting assistance from Hud  saved their homes and helped then survive until they were approved for disability, Click here
B. Rent or sell the your home, move in with family or friends live in RV house sit
C.  Leverage your home: If you have equity in your home, borrow an amount to get you through.

7. Barter 
Example: Save money on food volunteer at a store, garden, can for others, shop for others.

8. Reduce (or eliminate) Your Medical Expenses 
Discover If You Can Get Low Cost (Even No Cost) Prescriptions And Treatment So You Don't have To Pay Out Of Pocket Click Here

9. Working while qualifying
Although Social Security (SSA) allows you to apply for disability if your monthly earnings are less than $940.00 these cases are VERY difficult to get approved.

My advise is to not work and concentrate on winning your case ASAP, prepare to return to working and keeping you benefits then resume working once approved.... financially this is the best solution.

You may find it comforting to know that once your on SSDI benefits you can earn M.O.N.E.Y with out effecting your SSDI benefits. 

You'll can start educating yourself about ALL your possible career paths so you can make plans for recovering and crafting the life you really want on this web site by the Disability Digest:

                      http://www.myincomeguardian.com

Sincerely,

Brian Therrien

Ps - See Related links to help you survive the wait...
- can you attend school while waiting?  

- What To Do While Waiting To Be Approved For Social Security Disability! 

PSS.  To Learn If A Representative Can Help You Win Your Claim Click Here

PPS - All Lessons and Audios Click Here