About 1.6 million people in Illinois — more than 1 in 5 residents — are currently aged 50-64. Those are prime years for collecting Social Security Disability Insurance (SSDI) benefits! However, just 2% collected Illinois disability through the federal SSDI program in 2020. Another 1.5% received Illinois disability payments from the federal Supplemental Security Income (SSI) program. If you can’t work for at least 12 months due to health problems, you might also qualify for Illinois disability. We’ll explain how to apply, eligibility rules and payment amounts for both programs below.
Illinois Disability Benefits: You Have Two Options
Both programs I mentioned above pay monthly Illinois disability benefits to qualified applicants. They use same the medical screening questions to determine who’s too disabled to work for at least one year. In addition, the Social Security Administration (SSA) manages both disability assistance programs. However, that’s where the similarities between SSDI and SSI end. You can apply for Illinois disability benefits paid through these two programs:
- Social Security Disability Insurance (SSDI)
- Supplemental Security Income (SSI)
Luckily, you only have to fill out the claim paperwork once to apply for benefits from both programs. Just check the box asking the SSA to screen you for both SSI and SSDI benefits!
SSDI-Based Illinois Disability Benefits: How to Apply, Qualify & Payment Amounts
The first program, SSDI, is designed to provide long-term disability insurance for working-age Americans. It first went into effect back in January 1956. Every person who works full-time and pays Social Security taxes with every paycheck has this coverage. (Social Security taxes are also commonly known as FICA taxes.) Because SSDI comes from an insurance policy, your coverage automatically lapses once you stop working for 60 months. That means anyone who paid FICA taxes while working 5 in the last 10 years full-time may qualify for SSDI. Keep reading to learn what Illinois disability benefits through the SSDI program might mean for you.
1. Who Can File an SSDI Claim for Illinois Disability Benefits?
Not sure if you meet the SSDI program’s eligibility rules? Here’s a quick and easy way to find out. If you answer “yes” to all four questions, you already meet the requirements:
- Did you work full-time jobs for 5 in the last 10 years and pay Social Security taxes? This is the first and most important step to qualify for SSDI. Otherwise, the SSA will automatically deny your claim.
- Is your mental or physical condition terminal, or expected to last at least one year? SSDI program rules say your health issue must force you to stop working at least 12 months. The SSA auto-rejects your claim if you get better in less than one year.
- Have you seen a doctor within the last year? If yes, then great! You’re one step closer to approval. Otherwise, the SSA needs to confirm your diagnosis prevents you from working. They’ll schedule a Disability Determination Services (DDS) exam after apply for SSDI. If you can’t afford to see a doctor, talk to an Illinois disability lawyer before you apply. An Illinois disability lawyer can pay for treatment and medical evidence needed to support your claim.
- Are you at least 18, but younger than full retirement age (FRA)? The SSDI program specifically provides benefits for working-age Americans. Once you turn either 66 or 67, you reach what the SSA calls your FRA. After that, SSDI benefits convert into regular Social Security. Read this to learn why you can’t draw Social Security retirement and disability at the same time.
If you said “no” at least once to any question above, apply for benefits through the SSI program instead.
2. How Long Will I Wait for My First Payment Once My SSDI Claim’s Approved?
Six months from your SSDI application date is the soonest you’ll get your first Illinois disability check. Actual wait times vary, but each SSDI application takes about 3-5 months to process. Federal law enforces a five-month waiting period before any applicant can receive monthly SSDI benefits. If you’re out of work for five or more months before you apply, you can skip that wait time. Just don’t wait too long to file your SSDI claim for Illinois disability benefits! Want to double your chances for approval the first time you apply? Have an attorney file your application. Legally, an Illinois disability attorney can’t charge you anything unless the SSA grants you benefits. Right now, SSDI claims take 410 days to process, on average.
If you apply on your own without a lawyer, the approval rate for first-time Illinois disability claimants is 6%. If denied, you have four chances to appeal. You must do this within 60 days after your denial letter arrives in the mail. Reconsideration is the first appeal step and it takes another 100 days, on average. The approval rate at reconsideration is currently 2%. Denied again? Appeal a second time to plead your case to an Administrative Law Judge (ALJ). How long that might take depends entirely on where you live. Chicago residents wait just 9 months, on average, for a court date. In Evanston, you’ll wait about 13 months for your hearing. If the Illinois disability judge approves you, you’ll wait about 1-2 years for your first SSDI check!
3. How Much Money Does the SSDI Program Pay Each Month?
The highest Illinois disability payment you can get if your SSDI claim’s approved is $3,345/month. Only people earning a six-figure salary for several years can qualify for that much SSDI money. Nationwide, the average SSDI payment to disabled workers is currently $1,282 per month. Your payment amount should equal about 40% of your highest average monthly paycheck earned while working. The only way to get more is through an annual cost-of-living-adjustment (COLA) increase.
4. Are SSDI-Based Disability Payments Permanent?
You cannot get permanent Illinois disability benefits after your SSDI claim’s approved. Instead, the SSA needs to confirm you’re still too disabled to work once every 3, 5 or 7 years. You must pass each SSDI update report in order to receive more Illinois disability payments. However, these disability update checks automatically stop when you reach your FRA. This is when the SSA automatically converts your Illinois disability into regular Social Security retirement checks. Your monthly payment amount won’t change, and you don’t need to complete more paperwork to make this happen. But if the SSA believes you’re able to work at any time before that, your SSDI payments will stop.
SSI-Based Illinois Disability Benefits: How to Apply, Qualify & Payment Amounts
There’s a second federal program that pays Illinois disability benefits to people who cannot meet all SSDI requirements. Supplemental Security Income, or SSI, is designed to help poor people who are blind, disabled or age 65 and up. You’ll need very low income and few assets to qualify for Illinois disability payments from the SSI program. Learn the SSI program’s eligibility rules and Illinois disability payment amounts below.
1. Both SSI and SSDI Programs Define “Disability” the Same Way
Unless you wait until your 65th birthday to apply, you must be blind or disabled to qualify for SSI. You’ll need convincing medical evidence to prove your SSI claim qualifies for Illinois disability benefits. In most cases, a DDS doctor must examine you to confirm you meet the SSA’s definition of “disabled.” But if you’re already 65 or older, your age alone means you’ll pass this screening question. If that applies to you, you don’t need to gather any medical records first. Your SSI application for Illinois disability benefits should be enough.
2. You Need Very Low Income and Almost No Assets In Order to Qualify for SSI
The SSI program screens every Illinois disability applicant for financial purposes. First, you cannot receive more than $1,350/month to qualify for SSI. This includes any money you get on a monthly basis, not just your work earnings. The SSA looks for things like alimony, child support payments, savings account interest, etc. Next, they’ll look at how much you currently have in your bank account. If your balance is more than $2,000, the SSI program won’t approve you for Illinois disability benefits. Then, the SSA looks for other countable assets that may push you over that $2,000 limit. Anything you can sell easily for cash goes into that category, such as jewelry, stocks, bonds, etc. Things the SSA won’t count towards your total asset limit include:
- Your house and the land it’s on, if you own it
- One vehicle (car, truck, motorcycle, boat) for household transportation
- Your wedding ring, furniture, clothing or daily living items (appliances, bedding, towels)
The SSI program has different income and asset limits for married couples who apply for Illinois disability. Eligible couples need less than $3,000 in assets and $1,350 in monthly income to qualify for SSI-based Illinois disability benefits.
3. SSI Pays Up To $841/Person, $1,261/Couple in Illinois Disability Benefits
Luckily, anyone getting Illinois disability through the SSI program is eligible for annual Cost-of-Living-Adjustment (COLA) increases in certain years. You must also prove you’re too disabled to work every few years to keep getting Illinois disability payments. Once you turn 65, the SSI program no longer needs to confirm you’re blind or disabled to qualify. As long as you still meet all financial requirements, you can keep your SSI-based Illinois disability payments for life.
What About Temporary or Short-Term Illinois Disability Benefits?
Unfortunately, no government program pays short-term or temporary disability benefits in Illinois. (However, you may have employer-provided coverage as part of your benefits package or purchase a private plan before becoming disabled.) But that’s okay! Government programs aren’t the only way injured or sick people can get enough money to live on. See if anything below may apply to you:
- Workman’s comp. State law requires workers’ compensation coverage for every Illinois employer. If you get hurt or sick while at work, then you may qualify for workman’s comp benefits. Get a free 2-minute evaluation online now to see if you’re potentially eligible.
- Car accident compensation. Injured in an accident that wasn’t your fault? Don’t accept an insurance settlement for half the money you’re owed! A personal injury claim is the only way to get 100% of the money you deserve. Car insurance only pays 54% of your costs, on average, according to NHTSA data. Get free legal advice before deciding which option is right for you.
- Cash settlements for unexpected side effects. If any drug, medical device or product harms you, the manufacturer may owe you a cash settlement. However, you need a lawyer to file legal paperwork in order to get this financial compensation. To check your eligibility online in less than two minutes for free, visit DrugJustice.com. Find the drug, product or device responsible for your injury and complete the form.
You May Qualify for Legal Assistance
Want to nearly triple your chances for getting Illinois disability the first time you apply? Have a lawyer file your claim! A Social Security attorney charges nothing up front for professional legal assistance. Federal law says the SSA must approve any legal fees your attorney wants to charge before you pay. That’s because all Illinois disability lawyers work on contingency. For this reason, you cannot owe any fees until after your claim’s approved for Illinois disability benefits. So, you won’t pay a dime unless your case wins. And if you do win, you’ll only pay a small, one-time fee.
Ready to see if you may qualify? Click the button below to start your free online benefits evaluation now!
Lori Polemenakos is Director of Consumer Content and SEO strategist for LeadingResponse, a legal marketing company. An award-winning journalist, writer and editor based in Dallas, Texas, she's produced articles for major brands such as Match.com, Yahoo!, MSN, AOL, Xfinity, Mail.com, and edited several published books. Since 2016, she's published hundreds of articles about Social Security disability, workers' compensation, veterans' benefits, personal injury, mass tort, auto accident claims, bankruptcy, employment law and other related legal issues.