Did you know that the average Social Security Disability Insurance (SSDI) waiting period is 5 months? SSDI benefits can provide the necessary means to avoid financial hardship when recovering from a serious injury or illness, but many people get confused with the process, resulting in delays.
Waiting can be agonizing but being proactive about your application can help. Some states, like California, have their own Disability Determination Service Division which handles the initial determination of your claim. Your medical records will be reviewed at this time to determine your qualifications.
The California disability waiting period can be influenced by a lot of factors so it’s important to know the eligibility requirements and be thorough when filling up the forms needed and collecting the necessary paperwork or medical records.
Let’s look at what you should expect during the disability waiting period:
Understanding the Disability Waiting Period
Waiting period refers to the time taken after the filing of the application and when the benefits start. The waiting period can be very stressful due to your dire situation and inability to work. You may find there are times when you are not certain about your future and your financial issues are preventing you from getting the medications or treatments you need.
Did you know that California also offers a short term disability after a car accident? The State Disability Insurance program provides benefits to people who cannot work because of an injury or illness not affiliated with the job. If you can receive workers’ compensation benefits, you do not qualify for SDI.
You can check if the state you’re in also offers the same state-funded benefits. If not, you really need to be up to date with the current status of your SSDI application and whether you will have to submit additional documentation.
While you wait, you can join support groups that might serve you well and find alternative ways to support yourself or your family financially.
Factors That Can Affect Your Waiting Time
As mentioned, many different factors can come into play when discussing how long one may wait to get their disability benefits, so it is good to consider them.
For one, case complexity is going to have a big effect on waiting time. Inaccurate descriptions or missing documentation could potentially lead to delays.
In addition, the type of disability you are applying for affects the speed of case processing because some are closely scrutinized. The workload of the local Social Security office might also come into play; heavy caseloads always translate to longer waiting times for disability claimants.
If you choose to appeal a denied claim, you could be looking at an even longer wait.
Steps to Prepare During the Waiting Period
While you wait to begin receiving disability benefits, any proactive measure you take to ease the hassle and reduce stress is beneficial.
The first thing you should do is organize your medical records and other documentation. Gather anything related to your medical condition, treatments, doctors, and so on. This information will help you respond to any inquiries made by the Social Security Administration quickly.
Another thing you could do is to draw up a budget for making your life easier during this waiting period. Consider your necessary expenses and cut down any unnecessary ones.
If you’re facing a severe financial problem, you may consider asking your family or some of your friends for some moral and possibly financial support.
Stay updated on your application status by viewing your online application or calling their office every once in a while. Engaging in these activities can slightly alleviate the pressure you feel while waiting for the expected benefit.
Resources for Support and Information
Searching for any local advocacy programs for people with disabilities is probably your best bet in the first place. They may supply resources, feedback, and moral encouragement from time to time.
Online forums and social media groups will give you contact with peers having similar experiences and the freedom to share your experiences and counsel.
There are a variety of government websites that can provide all relevant information about rights, benefits and other matters related to your situation. Another suggestion is to visit a financial advisor who knows about disability claims to assist you in making the financials workable for you.
Remember, do not overlook your friends and family; they can be invaluable. Use these resources to get through this ordeal.
