The Social Security Administration (SSA) offers disability assistance for many disabled individuals. Americans who can’t work due to a disability expected to last at least one year (or result in death) may qualify for monthly benefits. There are a number of different Social Security disability assistance programs and stipulations, which can be confusing.
The SSA Offers 4 Different Disability Assistance Options
If you’re looking for disability assistance from the SSA, below are a few ideas and suggestions to get you started:
Option 1: Monthly SSDI Income
If you qualify for Social Security disability income (SSDI), the SSA uses your average lifetime earnings before your disability began to determine your monthly pay rate. (Your current income and level of disability have no influence on your monthly disability check amount.) The maximum monthly SSDI amount for 2021 is $3,148, but most individuals get $1,277/month, on average.
Very simply, the SSA’s formula in determining SSDI accounts for inflation and looks at your highest earnings throughout your employment history. Then, they add up your three highest wage-earning years and use that number to determine your monthly pay rate. The higher your past earnings, the more SSDI pay you can receive each month. For an in-depth breakdown of the process or get your own SSDI estimate, use the SSA’s benefit calculator. If you’re already getting government-regulated disability assistance (like workers’ comp or temporary state benefits), the SSA reduces your SSDI amount. However, SSI and VA benefits do not reduce your SSDI.
Option 2: Medicare Health Coverage
Medicare is government-provided health insurance for Americans age 65 and older. Medicare helps with your medical expenses but doesn’t cover everything. If you’re eligible for Social Security benefits, Medicare covers “hospital insurance” for free starting 24 months after you’re approved for SSD benefits. This coverage includes hospital bills and stays in skilled nursing facilities following your hospitalization discharge. Medicare offers “medical insurance” to help cover bills, medical equipment, doctor’s visits, etc. However, you must pay a monthly premium for this additional coverage.
After you receive disability assistance through monthly SSDI for two years, the SSA automatically enrolls you in Medicare. Since you paid taxes while you were still working to cover these services, your hospital insurance is technically “free.” But if you want medical insurance to cover any other healthcare-related expenses, you will need to pay an extra monthly premium.
Option 3: SSDI Back Pay
Disability claims usually take months (in some cases, even years) for the SSA to process. Most people awarded benefits also get back pay — i.e., money they should have received during the application review process. How much back pay you receive depends on factors such as:
- when you filled out an application
- when your disability began
- disability assistance funds to cover the five-month waiting period
The SSA considers all criteria listed above while it determines your eligibility and establishes your disability’s onset date. For SSDI — not Supplemental Security Income (SSI) — you could get more benefits from the year before you filed your disability claim. This timeframe is known as the “retroactive period.” To qualify for retroactive benefits, you’ll have to prove you were disabled over five months prior to your application date.
Option 4: Supplemental Security Income (SSI)
SSI is different from SSDI because it is a needs-based program. For SSI, your employment history and previously paid Social Security taxes aren’t considered as qualifying factors. Instead, SSI provides monthly benefits to disabled, elderly, and blind Americans who meet the SSA’s income and asset limits. Typically, you must have assets totaling less than $2,000 (not including your home and land) to qualify for SSI. In addition, each U.S. state has its own income limit requirements. For more information about income and resource guidelines, read about the SSI program’s eligibility requirements.
Legal Help Makes You 2x More Likely to Qualify for Disability Assistance Right Away
In most cases, a Social Security advocate or attorney can give you the best possible chance of winning benefits from the SSA. Legal professionals who work on a contingency basis won’t charge you any legal fees upfront. Best of all, you’ll pay nothing whatsoever unless they help you win disability assistance income and benefits from the SSA. In fact, you may qualify for a free legal consultation with an experienced attorney or advocate in your area. Plus, having a lawyer file your claim makes you 2x more likely to get benefits the first time you apply!
Ready to see if you may qualify? Click the button below to start your free, no-obligation disability benefits evaluation now.