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How Do the Disabled Cope While Waiting for SSDI?

June 6, 2013
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Working Paper by Norma B. Coe, Stephan Lindner, Kendrew Wong, and April Yanyuan Wu

Abstract

The wait time for a Social Security Disability Insurance (SSDI) award varies from a few months to several years.  Little is known about how applicants fund their consumption during this period.  Using the Survey of Income and Program Participation (SIPP) linked to the Social Security Administration’s 831 file, this study examines the use of seven different coping strategies on which applicants may rely for resources, including government transfers, intra-family resources, other financial resources, and locational changes.  Our results suggest that applicants use some coping strategies more frequently with longer application duration, especially spousal employment, the Supplemental Nutrition Assistance Program (SNAP) and the Supplemental Security Income (SSI) program for the disabled and children.  They are also less likely to report receiving Unemployment Insurance benefits, changing their address, and owning a home. Together, these results suggests that some of the studied coping strategies are an important part of funding consumption during the application process, either by sustaining ongoing applications or by making it easier to file an appeal of an initially denied application.

Their finances are in the green
Their finances are in the green
Author(s)
Headshot of Norma B. Coe
Norma B. Coe
Headshot of Stephan Lindner
Stephan Lindner
Headshot of Kendrew Wong
Kendrew Wong
Headshot of April Yanyuan Wu
April Yanyuan Wu
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Executive Summary
Citation

Coe, , Stephan Lindner, Kendrew Wong, and April Yanyuan Wu. 2013. "How Do the Disabled Cope While Waiting for SSDI?" Working Paper 2013-12. Chestnut Hill, MA: Center for Retirement Research at Boston College.

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Associated Project(s)
  • BC12-18
Topics
Social Security
Publication Type
Working Paper
Publication Number
WP#2013-12
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