When a person has become disabled and is no longer able to earn the income they enjoyed previously, the bills continue to come to the mailbox every month. This can cause serious stress and even more medical problems for the disabled person. But there is a solution!


If you have credit card bills looming over you that you are unable to pay, you should first find out if you opted to carry any credit disability insurance either through your credit card companies, bank, work, or even as an add-on to your car insurance. If you do have this coverage, find out exactly how much of your bills this coverage will pay.


If you do not have this coverage, or it is not enough to cover the bills, then you can coordinate with the creditor and let them know you are disabled. They will very often work out a plan with you. If you are unable to pay, they will require a doctor to verify your disability (which you will have on file already if you are applying for SSDI) and keep this information updated. During the period of your disability, whether months or years or the rest of your life, you will not see the balances grow or be hounded by collectors.


In many cases, the creditor, upon realizing you will be disabled for life, will write off the bill and allow the account to be closed. Of course, they may not choose to give you another credit card, but at least you will not be harassed by rude collection agencies and credit card collectors every day.


If you have credit that has already gone to collection either during your disability or prior to your disability, you should contact those collectors and let them know your medical status -- disabled. They will, at worst, stop hounding you so much, and at best make an offer to settle your debt for pennies on the dollar. The collection agency would rather get at least their fee and nothing more, then being able to close the account than to keep it on the books as open with no payment.


Another little known benefit is that almost any business or service that provides a senior citizen discount will provide that same discount to you, regardless of age, if you let them know you are disabled. City bus services, restaurants, even tax preparation services and more will be likely to offer you their senior discount as a disabled person. Of course, this is not guaranteed, but it often happens if you only ask.