No one wants to file for Social Security Disability benefits, but if you are hurt at work and can no longer perform your job, it is a necessary step to take.

However, even if you have a cut-and-dry case, it can still take a while to get your Social Security Disability benefits. The federal government has, as you probably well know, red tape and procedures in place and there is a waiting period to find out if you are eligible – and how much you will receive.

So, if you are waiting for your Social Security Disability benefits (which can take up to a year – or longer!), you might be in need of some financial advice. Here are three tips from our legal experts. Read on:

1. Begin a budget while you wait for Social Security Disability benefits

If you don’t already have one, set up a budget. The budget can be monthly, weekly – whatever works best for you. Having a solid, workable budget in place that you adhere to will help you while you wait for your Social Security Disability benefits. Take a look at your monthly income and expenses and make a list of wants and needs. Cut where you can (yes, we know it can be painful!).

2. Look for other income or assistance

There are private, state and federal programs that can help you in the short term while you wait for your Social Security Disability benefits. There is food assistance and assistance with your electric or gas bill. If you need housing or other aid, there could be programs for that too.

3. Be realistic

If you are permanently disabled, chances are you will need to downsize your life and make some painful cuts. It’s not a good position to be in, but you might need to sell possessions, move to a smaller or more manageable house or condo and cut things like cable or monthly subscriptions or memberships.

Connor, Kimmet & Hafenstein LLP

If you or someone you love has been hurt at work and needs Social Security Disability benefits, contact us today for a consultation. We will make sure your rights are protected and you get the help you deserve.