Living on SSDI Benefits
For many recipients, Social Security Disability Insurance (SSDI) is their only or main source of income. They must be careful to budget the money to cover all of their necessary bills. There are some tips that can make living on SSDI easier, including:
• Apply for other benefits such as food stamps, Medicare, lower cost prescription drugs, or assistance with energy bills; often people on SSDI will qualify for other social programs because of their restricted income
• Investigate the legitimate ways to earn additional income either from home or in a different industry without affecting SSDI benefits; the Social Security Administration (SSA) has many programs that encourage SSDI recipients to supplement their income with work
• Consider downsizing to save on rent, car payments or transportation costs, and entertainment costs
• Take inventory of all household goods and sell anything that is valuable and not needed
• Keep track of where the money goes with a strict budget and cut out unnecessary costs
• Only buy items that are needed; check secondhand stores or other charities for gently used items in good condition
• Try to find any volunteer positions that will “pay” for services with goods such as food, household items, or other needed items
• Use the library for books, movies, newspapers, magazines, and Internet use
• Try to find other sources for free entertainment through city programs.
There are some necessities that individuals should always be able to pay for, such as shelter, food, and clothing. Medicine and health care are also extremely important, especially for a disabled person who is managing an injury, disease, or medical condition. If a recipient is having difficulties meeting these basic needs with their SSDI, they should contact the SSA for assistance. An advocate or attorney can also assist with the process.
Tags: SSDI Assistance