Just over 5.8 million people live in Wisconsin. Of those, 1.2 million residents were aged 50-64 in 2017, or 21% of the population. That’s the prime age for collecting Social Security Disability Insurance (SSDI) benefits! However, just 2.7% of residents unable to work due to health issues received Wisconsin disability benefits from SSDI in 2018. Another 1.9% receive Supplemental Security Income (SSI) benefits each month. If a mental or physical condition forces you to stop working before you’re old enough to retire, don’t worry! There are three different programs that may provide you with Wisconsin disability benefits.
Wisconsin Disability Benefits: You Have 3 Ways to Apply
You may qualify for monthly cash benefits from one of three different Wisconsin disability programs. The first two are federal disability programs that the Social Security Administration (SSA) manages. The last one’s a state-run program for public employees, which includes local government workers as well as teachers.
Here are all three programs that offer Wisconsin disability benefits:
- Social Security Disability Insurance (SSDI)
- Supplemental Security Income (SSI)
- WRS Employee Disability Retirement Benefits
For the first two programs, Wisconsin disability applicants can check one box on the claim form to apply for both. You can only qualify for SSDI or SSI benefits, not both at the same time. However, the SSA will review your eligibility for SSDI as well as SSI benefits. They do this to ensure you’ll get the most money possible once the SSA determines that you’re eligible. The third Wisconsin disability benefits program’s only available to teachers and “public” employees. (This includes elected officials, firemen, police officers and state or local government employees, but not federal workers.)
Social Security Disability Insurance (SSDI): How to Apply, Qualify & Payment Amounts
If you work for an employer that deducts FICA taxes from every paycheck, you’re likely covered under the SSDI program. That’s because SSDI’s technically a federal disability insurance program designed to protect working-age Americans. Anyone who’s worked at least 5 in the last 10 years full-time and paid Social Security (or FICA) taxes may qualify. Keep reading to learn about getting Wisconsin disability benefits through the SSDI program.
1. Who Can Apply for SSDI?
If you answer “yes” to every bullet listed below, feel free to file your SSDI claim for Wisconsin disability benefits:
- Have you worked full-time jobs for 5 in the last 10 years and paid Social Security taxes? Your SSDI coverage automatically ends after you stop working for 60 months. That’s why it’s crucial to apply for SSDI less than five years after your health forces you to stop working. If you haven’t worked recently or enough years to qualify, then the SSA automatically denies you benefits.
- Are your health problems bad enough to make you take 12 months off work? Your health issue must last for at least one year become terminal to make you eligible for SSDI. In other words, SSDI won’t pay you Wisconsin disability benefits if your condition gets better within 12 months.
- Have you seen a doctor to treat your health issue within the last year? Great, you’re one step closer to qualifying for SSDI! Otherwise, the SSA needs to confirm your diagnosis through a Disability Determination Services (DDS) exam. The SSA just needs proof your condition truly stops you from working for at least 12 months. Can’t afford to see a doctor? Talk to Wisconsin disability lawyer about filing your claim. They can pay for your doctor’s visit and medical records without billing you anything until after your SSDI claim’s approved!
- Are you somewhere between 18-64 years old? SSDI specifically covers working-age Americans who become too disabled for full-time employment. Once you turn 65, Wisconsin disability payments through the SSDI program automatically turn into regular Social Security retirement. Read this to learn why nobody can draw regular Social Security and Wisconsin disability checks at the same time.
If you don’t think you can qualify for SSDI, skip directly to the SSI program section now.
2. How Long Will It Take To Get My First SSDI Payment?
Six months from your SSDI application date is the soonest you’ll get your first Wisconsin disability check. The SSA typically takes 3-5 months to review each SSDI application for Wisconsin disability benefits. That’s because federal law says they must enforce the SSDI program’s five-month mandatory waiting period. Unfortunately, many people wait closer to 1-2 years for their first Wisconsin disability check. That’s because they get denied benefits the first time, then finally win after appealing their case. Having a lawyer file your SSDI claim makes you 2x more likely to get approved the first time you apply. Plus, a Wisconsin disability lawyer can’t charge you any fees until after the SSA approves you for benefits. Right now, SSDI applications for Wisconsin disability benefits take 522 days to process, on average.
If you apply on your own without a lawyer, it takes much longer. Right now, the SSA turns down 4 in 5 first-time Wisconsin disability applicants. If that happens, you have 60 days to appeal. Every applicant can appeal a denied SSDI claim four times before they’re forced to re-apply. Reconsideration is the first appeal stage, and it adds another 100 days to your wait time. At this stage, about 2% of appealed claims get approved. If denied a second time, you can request an appeals hearing to plead your case. How long that stage takes depends entirely on where you live. In Milwaukee, you’ll wait about 12.5 months for your court date. In Madison, you’ll wait even longer — about 16 months, on average. If you win benefits on appeal, you’ll wait just over 2 years for your first SSDI payment!
3. How Much Does SSDI Pay Wisconsin Disability Claimants Each Month?
The SSDI program’s maximum monthly Wisconsin disability payment is $3,011. To qualify for that amount, you’ll need to earn more than $128,000 annually for several years before becoming disabled. Nationwide, disabled workers currently receive $1,258 in SSDI benefits each month, on average. The only way to increase your monthly payments is through an annual cost-of-living-adjustment (COLA).
4. Are SSDI Benefits for Wisconsin Disability Claimants Permanent?
The SSDI program does not pay permanent Wisconsin disability benefits. Instead, you’ll need to prove you’re still too disabled to work once every 3, 5 or 7 years. Every so often, you’ll get a Wisconsin disability update letter asking you to check in with the SSA. If at any time you get well enough to start working again, the SSA stops your Wisconsin disability checks. This continues until you reach your full retirement age (FRA). (Currently, that age is 65 years old — in the future, it varies according to your birth year.) Once that happens, the SSA automatically converts your Wisconsin disability into regular Social Security payments. Your monthly benefit amount won’t change. You also don’t need to file any additional paperwork to keep your checks.
Bonus Tip: Always fill out and return your disability update forms on time! If you fail to check in regularly, the SSA automatically stops your Wisconsin disability payments.
Supplemental Security Income (SSI): How to Apply, Qualify & Payment Amounts
Anyone who hasn’t worked in the right jobs or enough years may qualify for Wisconsin disability through the SSI program. The federal SSI program’s designed to provide monthly assistance to the poorest blind, disabled and older Americans. You’ll need very low income and almost no assets to qualify for Wisconsin disability through the SSI program. Below, we’ll explain how the SSI program screens Wisconsin disability applicants, benefit amounts and more.
1. SSI Claimants Younger Than Age 65 Must Be Blind or Disabled to Qualify
Only blind or disabled SSI applicants can qualify for Wisconsin disability before they turn 65 years old. Both SSI and SSDI programs use the same medical eligibility requirements. So, you’ll need to see a DDS doctor to confirm you meet the SSA’s definition of “disabled.” If you’re 65 or older when you apply, the SSI program waives that DDS exam. Instead, your age alone meets the SSI program’s medical criteria for Wisconsin disability benefits.
2. SSI Financial Screening Looks for Very Low Income and Almost No Assets
You’ll have to list all your monthly income and financial assets on your SSI application for Wisconsin disability. The SSI program defines “income” as any money you get on a monthly basis. That means any money you earn through work, plus what the SSA calls “passive income.” This includes things like alimony or child support payments, interest from your savings account, lottery winnings, TANF, SNAP, etc. In addition, you can’t have more than $2,000 in your bank account to qualify for SSI. They’ll also look for anything you own and can sell for cash to count towards your asset limit. Examples might include jewelry, property, 401k or IRA balances, a second car, stocks or bonds. Things that won’t count towards your $2,000 limit include:
- Your house (if you own it) and the land it’s on
- One vehicle (car, truck, motorcycle, boat) for household transportation
- Wedding ring, furniture, clothing or other items (appliances, bedding, towels) for daily living
Basically, you won’t qualify for SSI if you own too much stuff or get paid more than $1,260 each month. Married couples must have less than $3,000 in assets and $1,260 in combined monthly income to qualify for SSI.
3. The SSI Program’s Max Monthly Payment Is $783/Person, $1,175/Couple
Luckily, any year there’s an annual Cost-of-Living-Adjustment (COLA) increase, it also applies to SSI beneficiaries. Once the SSI program approves you for Wisconsin disability benefits, you’ll need to re-confirm your status every few years. Much like the SSDI program, you’ll get a letter in the mail asking for a status update. Just fill that out and return it on time if your symptoms stay the same. Once you turn 65, you’ll get to keep your SSI benefits based on age alone. That means you’ll never have to fill out another disability update report to keep your payments! However, you must still meet the SSI program’s financial requirements.
Wisconsin Disability Retirement Benefits Exclusively Available for WRS Employees
WRS employees who become too disabled to work before normal retirement age can apply for Wisconsin disability retirement benefits. This includes both short and long-term disabling conditions, so the one-year “unable to work” rule doesn’t apply. Here’s what you need to know:
- Your normal retirement age varies based on your employment category. The normal retirement age for WRS employees is between 53-65 years old, depending on their job title. See all the age requirements listed in this brochure on page 3.
- You can work part-time and keep your Wisconsin disability retirement benefits, in certain cases. You just have to stay under the annual earnings limit for WRS employees. In 2019, you must earn less than $15,702 while working part-time, according to the ETF’s website.
- There’s a 90-day waiting period before WRS employees can get their first Wisconsin disability retirement payment. Normally, the day after your last paycheck goes through is your “effective date.” If you wait longer than that to apply, you could potentially miss a partial or full month’s payment.
- Your Wisconsin disability retirement payment amount depends on how long you’ve been a WRS employee and final average earnings.
- You might qualify for both SSDI and Wisconsin disability retirement payments each month. This isn’t super-common, but it’s possible! We recommend applying for both programs if you think you might qualify. Not sure whether you may qualify? You can consult a Wisconsin disability lawyer for free advice before filing your application.
You May Qualify for Legal Assistance
Having a lawyer file your application makes you twice as likely to get Wisconsin disability benefits. You won’t pay a Social Security attorney anything for help up front. All disability attorneys work on contingency. That means you’ll pay the lawyer nothing unless your case wins. And if you do win, then 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!