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Financial Survival Guide: How to Manage Money While Waiting for Social Security Disability (SSD) Benefits
The wait for a decision on your Social Security Disability (SSD) claim can feel endless, bringing immense uncertainty and major financial strain. That stress you are feeling is 100% real and understandable, but feeling stuck does not mean you actually are stuck.
In this essential explainer, Harbison & Kavanagh walk you through a practical financial survival guide to help you get a handle on your finances, ease the pressure, and free up mental energy so you can focus on your health. A solid financial game plan is one of the best tools you have right now. We provide practical strategies for covering the essentials and achieving SSD financial survival while your claim is being processed.
We cover the most effective steps SSD claimants can adopt, including building a foundational budget, managing overwhelming medical costs, and carefully supplementing your income without jeopardizing your eligibility. Crucially, we explain the Substantial Gainful Activity (SGA) rule—the hard line in the sand you cannot cross with your earnings.
A solid strategy can help shield you from unexpected bills, mounting debt, and potential financial crises, ensuring your health remains the top priority.

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Chapters:
0:00 – Introduction: Navigating the Stress of the Waiting Game The unpredictable timeline of the SSD application process leaves many feeling exposed, but a plan can help reduce stress and focus on well-being.
1:30 – Building Your Financial Foundation: Budgeting Basics Learn to build a simple, sensible budget that gives you control, starting with tracking every dollar (rent, food, insurance, co-pays, etc.). This includes identifying and making tough choices regarding non-essential spending, as those small cuts really add up. Planning for the unexpected, even with tiny savings, offers peace of mind.
3:15 – Proactive Management of Medical Costs Medical bills can quickly become your single biggest financial headache while you wait. Discover four practical ways to handle these costs without compromising your health or your disability claim. These include looking into community health centers or financial assistance programs, asking doctors about lower-cost medication options (like generics), and negotiating payment plans. It is vital to keep up with consistent medical treatment, as skipping appointments to save cash can seriously backfire and torpedo your disability claim, since the SSA needs to see consistent treatment.
5:00 – Supplementing Income: Understanding the SGA Rule Learn the tricky but important reality that earning even $1 does not automatically disqualify you, but you must be extremely careful. The key is the Substantial Gainful Activity (SGA) limit set by the Social Security Administration (SSA). If you earn more than this changing monthly number, the SSA may look at it and deny your claim. Explore options like part-time or gig work, always staying below the current monthly SGA limit, or seeking assistance from local charities, nonprofits, or state programs.
7:15 – Your Financial Survival Checklist & Next Steps A clear road map to taking back control:
1. Build that budget.
2. Be proactive about medical costs.
3. Carefully check income/assistance options, always remembering the SGA limit.
4. Keep up with necessary medical treatments. Start today by taking one small step—whether it’s jotting down expenses or looking up the current SGA limit.

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Disclaimer: This video provides financial and legal information based on general principles. Please verify the current Substantial Gainful Activity (SGA) limit for your state and consult with an attorney to discuss the specifics of your claim.
For a detailed written guide on achieving SSD financial survival, including the specific strategies discussed here, check out our blog post, "Financial Tips While Waiting for SSD Benefits: 7 Epic Ways to Secure Stability" on the Harbison & Kavanagh website: https://www.harbisonkavanagh.com/.