There are a few sources of assistance for those seeking Social Security Disability (SSDI) or SSI benefits based on disability.
Claimants in financial distress should contact their local Department of Social Services (DDS) to see what help is available locally. Often, there are great differences between what individual counties are able to offer. A good way to start is to contact an adult services social worker at the local DSS. These workers can often point an individual in the right direction, regarding available sources of help and assistance.
Other sources of assistance are state temporary disability benefits (in CA, HI, NJ, NY, and RI only), public assistance benefits (a.k.a. welfare), and unemployment benefits, if you were recently fired or laid off.
Claimants with equity in their homes may wish to consider the following:
- refinancing their home payment
- refinancing their total debts, or
- drawing on an equity line of credit while their disability case is pending.
Of course, it goes without saying that anyone starting the disability process shouldn't incur unnecessary new debts or obligations while the process is ongoing. If you have no other income, and can't rely on help from family or friends, you might want to look into a personal loan to tide you over.