Three Tips For Living With A New Disability Condition

new disability

Anyone who has had to cope with becoming suddenly disabled knows how hard it is to adjust to new restrictions and needs. The first thing a person with a new disability should do is file a Social Security Disability (SSD) claim. Yet, this process can take months – or even years – before an applicant sees a penny from the Social Security Administration (SSA), and many cannot afford to let bills pile up until they are found eligible.

While there are varying degrees of disability, any physical or mental impairment can end up being expensive. From high medical bills to needed assistance around the house, many newly disabled individuals have trouble adjusting to the financial burdens of having a physical or mental impairment.

Advice From A Disabled American On Living With A New Disability Condition

Brad Crelia, a disabled American who receives Social Security disability benefits, told The New York Times it was difficult for him, and others like him, to make ends meet. The New York Times called being disabled a “poverty trap,” but people with a new disability don’t necessarily have to fall into bad situations. By applying for Social Security disability benefits right away with the help of an experienced Social Security attorney and adopting a few practical tips, disabled Americans can stay on their feet until they are found eligible for Social Security disability payments.

1. Create A Stress-Free Budget

Perhaps the most practical thing to do is to develop a spending limit and stick with it. According to one SSA blog, Americans with a new disability need to keep track of their expenses every month and draft a budget. How much money do you spend on medical bills? Housing? The SSA suggests you follow budget tips from the Federal Trade Commission and utilize free budget templates available online to get started developing a new budget. Also, take the time to determine if you can cut certain expenses, such as if you can work with your health care provider to create a payment plan so you don’t have to pay off all your medical bills at once. Smartphone apps and free bill tracking technology may also be a good way to go.

2. Take Advantage Of Federal Assistance

Family, friends and neighbors may be willing to help you out, and while they may not understand everything about your new disability, allowing them to bring over food or help around the house can lift some stress off your shoulders and allow you to better manage your money.

3. Develop A Running List Of Needs

Katherine Schneider, an author and retired clinical psychologist, developed six rules for living with a new disability for the SSA’s blog. One of her new disability tips is to always be aware of what you need so you can get everything at once when you get to the store, which reduces the need to return for missed items. This is especially important if you receive rides or need to pay for transportation, which can become expensive if you have to keep making quick runs to the store because you forgot something. It can also cut down on the number of receipts you need to keep track of, helping you stick to your budget.

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