2 Things You Can Do to Stretch a Dollar When You are Living on Disability Benefits.

Parmele Law FirmSocial Security, Uncategorized

Most of the time it’s not easy to make ends meet. Given the cost of living and the fact that most Social Security Disability Insurance (“SSDI” or “disability benefits”) checks are less than $2,000 a month, when you are living on SSDI, it can be nearly impossible.

There are the regular financial belt-tightening things you can do of course, like live within your means, stay on a budget, and lower your food costs, but even these measures can leave you with very little left to live on.

So here are 2 ideas that might help you make your monthly SSDI payments go a little farther.

  1. Look Into Low Income Housing.

One of the biggest living expenses we encounter is the cost of housing. Renting a house or apartment is expensive and it can take the biggest chunk out of your budget. If you are struggling to pay the bills, you may want to consider looking into whether you can reduce your costs by moving into low-income housing.

The Low Income Housing Tax Credit program, is managed by the U.S. Department of Housing and Urban Development (HUD) in every state in the United States.  Through tax incentives, the program allows low-income individuals and families to rent houses or apartments at a lower cost.

Low-income housing is available to low-income families, the elderly and people with disabilities. Income limits for eligibility vary from area to area. You can find out what income levels qualify for low-income housing in your area by contacting the Housing Authority serving your local community.

  1. Utilize Other Public Benefits.

Another thing you can do to make ends meet is to search out and use other forms of public assistance. For example, food stamps are available through the Supplemental Nutrition Assistance Program (SNAP) for disabled individuals.

Also, most states and local governments offer Public Assistance programs (previously called “welfare” and in some states called, “General Assistance” or “General Relief) to help the working poor, needy and low-income individuals. The goal of these programs is to address the immediate needs or crisis and to help low-income families get the financial help they need.

Depending on the state you live in, and the exact federal government benefit programs available, public aid can usually be provided in the form of cash, vouchers, or electronic debit cards that can be used to buy essential items.

Need Representation? Call Us.   

It’s not easy trying to make it on the income provided by Social Security. If you need help or want to know more, call us. We handle only social security disability cases. We have offices in Springfield, Cape Girardeau, Columbia, Jefferson and other cities in Missouri, and we have offices in Kansas, Illinois and even in Oklahoma City, Oklahoma. We offer free consultations and we do not get paid unless you win your case. Connect with us on Facebook or LinkedIn, or  contact us today to set up your free appointment.