Living Life With a Disability: How to Cope

living life with a disability

Most individuals never anticipate having to live life with a disability, but anything from a tragic accident to years of wear and tear on a person's body can lead to serious injuries which won't soon heal. These types of disabilities can have serious repercussions on every aspect of a person's life, and if they're unable to cope, their existence could get progressively worse. Luckily, there are a few steps a person can take to ensure that they survive a disability with level head intact.

1. Contact Creditors

The first thing that a person should do when suffering from a disability, especially an unsuspected one, is contact their creditors. A disability can seriously cut into a person's income, and this is especially the case if they're unable to engage in their usual employment. This can lead to bills quickly piling up, but many creditors will understand these difficult situations. From deferments on student loans to lower payment terms on credit cards, there are a variety of options creditors may offer.

2. Seek Benefits

Unfortunately, the aforementioned bills won't simply disappear, so it's essential that a person find some type of income. Luckily, many individuals are eligible for disability benefits when they're unable to work. Filing a disability claim is imperative in these situations, but sadly, it is possible that this claim may be denied.

If it is, however, a person can appeal the decision. If this situation arises, it's essential for an individual to seek legal representation if they hope to avoid making the same mistake that caused their first denial. Attorneys who are experienced in disability denials, such as Marc Whitehead & Associates, of, can go a long way in securing benefits.

3. Find Other Work

Finding other forms of work is another great way to survive financially when suffering from a disability. In addition, this will keep a person from becoming complacent and provide them with a gainful activity. This will reduce the chance that they'll become depressed and thus improve their health.

The best part is the fact that receiving the aforementioned disability benefits doesn't mean that a person cannot work; they just have to make sure they follow the appropriate income and activity level rules related to receiving benefits. With work-at-home opportunities for everyone from writers to customer service representatives available, there's often no need to completely miss out on an income.

4. Follow Doctor's Orders

Anyone who hopes to cope with their disability absolutely must follow their doctor's orders. Failure to do so can slow a person's healing and recovery time, and in some instances, it may even lead to a worsening of their condition. In addition, disability benefits may actually be rescinded if it's discovered that an individual is ignoring their treatment plan.

This shows a lack of motivation to recover, and while disability payments are meant to help those who need it, they aren't considered a permanent income for those who could actually recover if they wanted to.

Living life with a disability is no easy task, and those who avoid trying to cope with the whole situation are often surprised to find out that their situation can get much worse. Unfortunately, many of the problems related to a disability are financial in nature, but this doesn't necessarily have to be the case. By taking the right steps and finding legal help when necessary, a person can focus on healing rather than worrying about the bills.


    • Christy Garrett @ Uplifting Families

      Christy Garrett @ Uplifting Families 11/26/2013 9:49 a.m. #

      These are great tips and suggestions. I have been out of work on disability for over a year now. Its not easy and it is hard to cope with the fact that I can't do the things I used to do. If you file for disability, don't be surprised if you are turned down during the first round. You will more than likely have to hire an attorney to help you get your benefits.

      • Sicorra

        Sicorra 11/26/2013 5:39 p.m. #

        Very sorry to hear that Christy! It must be difficult. Sending you good wishes, and hope you have a full recovery.

    • Corina Ramos

      Corina Ramos 11/26/2013 10:06 a.m. #

      Hello Sicorra,

      This is great advice we should all keep in mind. Of course no one plans to become disabled but in the event it does it's good to know there are options for us to take care of our finances.

      About the credit we have to sign up for those type of programs before or in the event we suddenly become disabled can we sign up then? I'm wondering about that one...

      Happy Tuesday girl. Talk to ya soon.

      • Sicorra

        Sicorra 11/26/2013 5:41 p.m. #

        Some credit card companies offer disability insurance where if you are injured they will cover your payments for a period of time. But even if you do not have that coverage a person should still contact their credit card companies immediately to explain their situation and to see if they can have their repayment plan extended. Better to be proactive then to wait until you get behind on payments.

    • Linda Ursin

      Linda Ursin 11/26/2013 10:25 a.m. #

      Good advice :) My joints are failing me, so I'm on disability. I'm very happy to be living in Scandinavia, where we have better coverage, and good public healthcare.

      • Sicorra

        Sicorra 11/26/2013 5:43 p.m. #

        Sorry to hear that Linda, but happy to hear you have better coverage. I think they do in the UK too.

        I had no idea you are in Scandinavia. So cool. Thanks for stopping by, and I hope you feel better one day soon.

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