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Very sorry to hear about the turmoil in your lives.
Regarding SS, this appears to be an increasing problem across the country. In our local office, the wait time from filing the appeal after the initial denial to getting a hearing scheduled (assuming they deny the appeal and you have to take the next step to request a hearing) is running 22 months. In 2004 the wait time was 1 year. I heard something crazy the other day that the SS administration is only hiring 1 replacement for every 12 people that leave through retirement, termination, etc. Based on what I've seen with the backlog of disability cases, I can believe it.
What about a home equity line of credit and/or refinancing your home to get some cash out while you wait for the sale? Best of luck to you.
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