Social Security Disability Benefits Information
Social Security Disability Benefits and Payments
Applying for Social Security disability benefits with or without an advocate can be difficult process due to the long process of filing your claim, and then there is a high chance that your claim will be denied. More than 70% of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) claims are denied after the initial application. It can also take up to six months, and sometimes longer, before a decision regarding your initial claim is made.
Seeking the help of an advocate or attorney can potentially reduce the time required to receive your benefits by increasing the chance of approval on your initial application. An experienced representative knows how to properly prepare your claim and avoid the pitfalls and mistakes made when filing independently.
When Your Disability Benefits Start
If your application is approved, your first Social Security benefit will be paid for the sixth full month after the date we find that your disability began.
For example, if your disability began on June 15, 2012, your first benefit would be paid for the month of December 2012, the sixth full month of disability.
Social Security benefits are paid in the month following the month for which they’re due. This means that the benefit due for December 2012 would be paid to you in January 2013, and so on.
You can keep receiving Social Security Disability Insurance (SSDI) as long as your medical condition prevents you from working. The Social Security Administration (SSA) will perform a continuing disability review on your file every one to three years to determine if your condition has improved.
How Much Will You Receive
The amount of your monthly disability benefit is based on your lifetime average earnings covered by Social Security.
To see your entire covered earnings history, you can check your annual Social Security Statement online at www.ssa.gov/mystatement/, or if you would rather estimate your future earnings, you can use SSA’s benefits calculator at www.socialsecurity.gov/planners/benefitcalculators.htm
When you are awarded disability benefits, you are required to set up direct deposit. It is the fastest, and safest method to receive your monthly disability payments
Other Payments May Affect Your Disability Benefits
If you receive certain other government benefits such as workers’ compensation, or government related pensions, your Social Security disability payments may be reduced.
However, disability payments from private sources, such as private pension or insurance benefits, do not affect your Social Security disability benefits.
How Long Can You Receive Disability Benefits?
Once your application for Social Security disability benefits has been approved, you can potentially receive disability benefits up to the point you reach retirement age, unless there is a reason they should stop. At retirement age, your benefits continue, but your monthly payments will become Social Security retirement income.
Common Reasons For Terminated Disability Benefits
1. Earning too much money, or returning to work
2. Medical improvement
3. Reaching retirement age
4. Being Incarcerated or Institutionalized
5. Going above the income or asset limits
6. Changes in living situation