How to Pay Bills While Waiting to Get Social Security Disability

Paying bills can be difficult when you're waiting for disability benefits.

Social Security Disability Insurance offers disability benefits for people who cannot work for at least 12 months due to a disabling condition. Since people who apply for SSDI cannot work, they often have trouble paying bills while waiting for Social Security to approve their application for benefits. Many people don't like to ask for help, but this is not the time to be hesitant.

Step 1

Visit your welfare office and apply for benefits such as cash assistance, Medicaid and food stamps. The name of the office varies from state to state, but it's often called something like Department of Human Services or Department of Social Services. While you're there, ask if offiicals there can direct you to any other agencies or services that might help you with bills.

Step 2

Contact all of your creditors and explain that you have become disabled and ask if they can make some sort of payment plan for you that involve reduced monthly payments. Some will and some won't. In some cases, the reduced payment may still be more than you can afford, but it might help you.

Step 3

Contact social services agencies such as the United Way and Salvation Army and ask if they can assist you with anything. Churches may help as well. Sometimes they will help you pay utility bills or other bills. If they can't help, ask if they know anyone who can.

Step 4

Contact your gas company, electric company and telephone company, explain the situation and ask if they can point you toward any agencies or services that might help you pay those bills.

Step 5

Ask friends and family members if they can help you with any bills. It can take many months for Social Security to review your case and make a decision and it's hard to support yourself and pay bills during that time.

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