English: Number of Americans who received U.S....

English: Number of Americans who received U.S. Social Security Disability Insurance and U.S. Supplemental Security Income for mental disabilties, 1987 to 2003 (Photo credit: Wikipedia)

I am perplexed as to how individuals make it through the rigors of the eligibility period for Disability.  Whether you are applying in the United States through Social Security Disability or through Canada‘s Canada Pension, you must go through an eligibility period when you are assessed by either government to see if they believe you to be disabled and therefore qualify for disability.

This process can take more than four months or longer and much longer if you have to appeal their decision.  Yet, because you are disabled you cannot work or collect unemployment during this waiting period.  So what do you live on for half a year or longer?  Some appeals take two years or more.  I find it difficult to believe that the average person has savings that would cover that length of period.

As I find myself in this position, I would certainly be very interested in what others have done to financially take care of themselves during this period.

I have talked to a few agencies and basically the amount that they are willing to allow you would and does not cover even my rent ($300/month).  So am I suppose to live in my car???  No, cannot do that as you need an “address”.

I have asked family for a loan; none are willing or able to help me during this period.  Would a bank loan me money during this period?  I am asking these questions hoping that someone out there can help me or guide me to someone who helps individuals in this position.

I am perplexed as to what I am to do.  Soon I will receive my documents from my physician to apply for disability and now I am wondering what I am going to do.

If I continue to work, I will end up in a wheel chair.  If I don’t work, I won’t have a place to live.  I guess I now realize how individuals end up on the streets.  Well, I won’t let that happen to me; that would be the end of me.