The Disability Application Process
Whether you apply online, by phone, or in person, the disability benefits application process follows these general steps:
- You gather the information and documents you need to apply. We recommend you print and review the . It will help you gather the information and documents you need to complete the application.
- You complete and submit your application.
- We review your application to make sure you meet our for disability benefits.
- We confirm you worked enough years to qualify.
- We evaluate any current work activities.
- We process your application and forward your case to the Disability Determination Services office in your state.
- This state agency makes the disability determination decision.
To learn more about who decides if you have a disability, read our publication .
Once You’ve Applied
Processing time for disability applications vary depending on the nature of the disability, necessary medical evidence or examinations, and applicable quality reviews.
Once we receive your application, well review it and contact you if we have questions. We might request additional documents from you before we can proceed.
Look For Our Response
When the state agency makes a determination on your case, youll receive a letter in the mail with our decision. It generally takes three to six months for an initial decision. If you included information about other family members when you applied, well let you know if they may be able to receive benefits on your record.
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What Are The Average Ssi And Ssdi Payments
There are limits to how much you can receive in disability benefits each month. In 2022, the average amount you can receive from SSDI is around $1,356 per month. Additionally, the limit for SSI is $841 for a single person and $1,261 for a couple. By the time you get approval for benefits, you will likely qualify for back pay as well. Social Security Disability back pay is money you receive for past due benefits. This means you are compensated for the payments you would have received in the months between when you filed your application and when it was approved.
However, these numbers change yearly. Therefore, you should always check with your local Tulsa disability lawyers for the latest Social Security benefits statistics.
Ive Been Approved For Ssdi Benefits How Much Will I Get Every Month
- This image courtesy of Pixabay
If you are approved for Social Security Disability Insurance Benefits, how much you are entitled to will depend on a number of factors. This article will help to explain how your benefits are calculated, including ongoing monthly benefits, retroactive and back due benefits, and additional payments for your family members. Disability benefits from Supplemental Security Income will be discussed in a separate article.
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Estimating Your Social Security Disability Amount
In 2022, the average SSDI payment for an individual is $1,358, but almost two-thirds of SSDI recipients receive less than that. And only 10% of SSDI recipients receive $2,000 per month or more.
The 2022 average monthly benefit for an SSDI recipient who has a spouse and children is $2,383.
Because benefit amounts depend on lifetime earnings, there’s a large range in how much Social Security pays. For instance, let’s look at age 55, the most common age disabilities start. For 55-year-olds who have worked their entire lives, Social Security typically pays $1,000 to $2,700. The benefits pay chart here shows you the ranges based on income.
Within those ranges, the amount you’ll receive will depend on the following:
- your average income over 35 years
- whether you paid self-employment taxes if you owned your own business or freelanced
- whether you worked in any jobs that didn’t pay into the Social Security system , and
- whether you took any years off work for child-rearing or long-term illness.
How To Get Disability Back Pay
You get disability benefits by winning your claim and your monthly benefit amount is based on your work history. Back pay is just the total of all the months you SHOULD have been paid benefits, but were not because your claim took so long to get approved. Most SSI and SSD applicants receive back pay.
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Monthly Payments On Ssi
As we mentioned above, the Federal benefit rate determines SSI payments not how much you earn. The SSI program is designed for disabled, low-income individuals and families with limited resources. The monthly benefit is calculated based on the Federal rate and changes annually with the cost-of-living increases.
Maximum Federal Supplemental Security Income payment amounts increase with the cost-of-living increases that apply to Social Security benefits. The latest such increase, 1.3 percent, becomes effective January 2021.
For 2021, the maximum benefit is $794 monthly for individuals, and $1,191 for eligible couples.
In addition, your monthly countable income reduces your SSI benefits. Every qualified beneficiary begins with the maximum monthly amount. Then, any additional resources or payments are subtracted against that amount to calculate that persons payment.
In summary, calculating monthly payments for either SSDI or SSI is a complicated process. We recommend clients work with a qualified disability lawyer whenever possible to avoid confusion.
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What Does Social Security Pay For Disability
The answer to this depends on whether a person gets disability through Social Security Disability or SSI. SSI beneficiaries are all limited to the same maximum amount. But Social Security Disability is based on your history of earnings, and can be more than $2500 per month, though the average is probably closer to $1200.
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Benefits For Children With Disabilities
A child under age 18 may have a disability, but we don’t need to consider the child’s disability when deciding if he or she qualifies for benefits as a dependent. The child’s benefits normally stop at age 18 unless they are a full-time student in an elementary or high school or have a qualifying disability.
Children who were receiving benefits as a minor child on a parents Social Security record may be eligible to continue receiving benefits on that parents record upon reaching age 18 if they have a qualifying disability.
Average Indexed Monthly Earnings
In 2022, the average Social Security disability payment totalled $1,358 per month, with some high income earners receiving as much as $2,681. The Social Security Administration will use your earnings history to determine the exact amount youâll receive, but this is a good number to start with.
In order to arrive at the amount youâll receive on a monthly basis, the SSA will use your Average Indexed Monthly Earnings and Primary Insurance Amount to determine the exact amount. Itâs a complicated series of calculations, which is why many people use the average amounts to gauge how much they will receive.
Your AIME is based on up to 35 working years of your earnings history. The SSA will take the highest indexed earnings over the years, add them up and divide them by the number of months in those years. The resulting average is rounded down, and this is your AIME.The SSA will also use your PIA to calculate your disability payments. Your PIA is based upon three fixed percentages – 90%, 32% and 15% – of your AIME. The resulting figures are your âbend pointsâ, which represent the base amount of your benefits.
If this information is overwhelming, the SSA provides the exact amount you would receive if you became disabled in your Social Security Administration statement. You should receive a copy of this document each year, or you can log into the SSA website to access it.
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How Can I Figure Out How Much I Need
So, try to put a number on all of the items discussed above and enter them into this simple formula:
Your total current monthly expenses
equals Minimum monthly disability benefit
Remember: Long term disability coverage is meant to last a long time, providing a monthly benefit that could last for decades. That kind of coverage comes at a cost. The lower the monthly benefit you can comfortably live with, the easier it will be to pay premiums while you are healthy and working.
How Are Payment Dates Determined
Your Social Security payments are made based on the date of your birth, according to the following schedule:
Birth date 1-10: payments on 2nd Wednesday of month
Birth date 11-20: payments on 3rd Wednesday of month
Birth date 21-31: payments on 4th Wednesday of month
Supplemental Security Income is generally paid on the 1st of every month. However, as shown above, sometimes SSI can be paid twice per month, based on the calendar. For example, in 2022, second SSI payments were made on April 29 and September 30 and will be again on December 30.
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Rate Of Disability Allowance
The weekly maximum rate of Disability Allowance in 2022:
|Child dependent aged 12 years or over
If you are married, in a civil partnership or cohabiting and you bothqualify for Disability Allowance, you will each get a weekly personal rate ofDisability Allowance. You can both get the maximum rate if you both qualify forit.
If you qualify for DA and your or your spouse, civil partner or cohabitantis getting another social welfare payment, you will each get the weeklypersonal rate of your own payment.
Can My Social Security Disability Payments Increase
Every year, inflation forces prices higher on everything from food and clothes to car repairs and rent. Your Social Security Disability payments cannot remain at a flat rate for years on end. Otherwise, you would eventually not get enough money to cover all of your expenses. To counteract the effects of inflation, the SSA recalculates your benefits once a year and will increase your payments accordingly. These recalculations, called cost-of-living adjustments , are the most common way that your benefits will increase.
Sometimes, if you receive SSDI payments that are very low, you might qualify for SSI benefits as well. This is known as getting concurrent benefits, and it can help you make ends meet if you have little or no work history. However, the Supplemental Security Income calculations include your SSDI income, which means that you probably cannot receive the maximum SSI benefit amount available.
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Tips For Navigating Social Security
- A financial advisor can help you account for the various sources of retirement income, including Social Security benefits. Finding a qualified financial advisor doesnt have to be hard. SmartAssets free toolmatches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If youre ready to find an advisor who can help you achieve your financial goals, get started now.
- If youre applying for Social Security disability benefits, youll need to fill out form SSA-827. This provides your consent for the SSA and Disability Determination Services to view your medical records.
- Dealing with a disability, either temporary or permanent, is hard enough without considering the financial impact. Having an emergency fund in place for unpredictable things like this can be a huge relief.
How Much Social Security Disability Income Will I Get
Americans who worked long enough to have paid into the Social Security system can get Social Security Disability Insurance benefits if they become disabled to the point that they can no longer work. Benefits are paid monthly if you have a medical condition expected to last at least one year or result in death, according to the Social Security Administration.
The amount of your payment depends on your work and salary history, similar to Social Security. The longer you work and the more you earn, the higher your SSDI payment. In 2022, the average payment is $1,358 a month, the Kansas City Star reported. Most benefits range from $800 to $1,800 a month. The maximum monthly benefit is about $3,100.
Nearly two-thirds of SSDI recipients receive less than the average, according to DisabilitySecrets, published by the Nolo legal website. Only about 10% of SSDI recipients receive $2,000 a month or more. The 2022 average monthly benefit for an SSDI recipient with a spouse and children is $2,383.
To find out how much your SSDI benefit might be should you ever need it, you can get an estimate by creating a My Social Security account and plugging in the requested information.
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House Speaker Election Continues
The Biden administration is going unchecked and there is no oversight of the White House, State Department, Department of Defense, or the intelligence community. We cannot let personal politics place the safety and security of the United States at risk, the incoming chairs of several committees, including foreign affairs and armed services, said in a statement released on Thursday morning.
Rep. Mike Gallagher, a Wisconsin Republican, said he was denied from entering a meeting with the Chairman of the Joint Chiefs of Staff because he was informed by House security that he doesnt yet have a clearance.
Im a member of the House Committee. Im on the Armed Services Committee, and I cant meet in the to conduct essential business, Gallagher said in a news conference Wednesday, referring to the place that is used by military and national security officials to process sensitive and classified information.
We have a third, one of our three branches of government, offline right now. That is a very dangerous thing for our country, and it cannot continue much longer, Rep. Brian Fitzpatrick, a Pennsylvania Republican, told CNN on Wednesday.
He added, I sit on the House Intelligence Committee. We oversee all 19 intelligence agencies. We are currently offline.
Incoming House Oversight Committee chair James Comer, however, downplayed the delay in getting down to committee business.
The Other Parts Of Medicare
- Medicare Advantage Plan people with Medicare Parts A and Part B can choose to receive all of their health care services through plans that are offered by private companies and approved by Medicare. For more information, we recommend you read Medicare’s How do Medicare Advantage Plans work?
- Medicare Part D helps pay for medications doctors prescribe for treatment. For more information on the enrollment periods for Part D, we recommend you read Medicare’s How to get prescription drug coverage page.
If you receive Medicare and have limited resources and income, you may be eligible for Extra Help with Medicare Prescription Drug Plan Costs.
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Applying For Disability Benefits
You can apply for Social Security Disability benefits online or in person at your local Social Security office. You will be asked to fill out a number of forms, which you should complete with as much detail as possible, and you may be asked to attend a consultative exam. After completing the disability application process, you will receive a decision from the SSA within two to four months. If you are approved for benefits, this notice will tell you when benefits will begin, which benefits you will be receiving, and how much you will be receiving each month. If you are denied benefits, you have 60 days from the date of denial to appeal the SSAs decision to deny benefits.
If you do need to pursue a Social Security Disability appeal, do not give up hope. A number of applicants who are denied during the initial stage of the application process go on to successfully receive benefits through the process of an appeal
Social Security Disability Insurance Benefits Are Based On Average Income From Work
The amount of Social Security disability benefits you can receive is based on your average income across up to 35 years. But, the calculation isnt as simple as adding up your earnings and dividing by the number of months you worked.
First, the income figure used in the calculation isnt necessarily the actual amount you earned. Thats because the Social Security Administration uses a figure called average indexed monthly earnings . The indexing process applies a multiplier to past years earnings based on the ratio of average indexed earnings in that year to average indexed earnings in the year earnings are indexed to.
That sounds a little complex, but its simply a way for SSA to make sure that people with long work histories arent penalized by the change in average earnings and cost of living over time.
Your AIME is used to calculate your primary insurance amount , also known as your full retirement amount. How closely related to your past earnings your PIA is will depend on how high your earnings were. The calculation is graduated, so disabled workers who had lower incomes will see PIA numbers closer to the amount of their actual earnings. In 2023, PIA will be the combined total of:
- 90% of the first $1,115 in AIME
- 32% of AIME above $1,115 up to and including $6,721
- 15% of AIME over $6,721
- 90$ of $1,115 , and
- 32% of the remaining $1,885
Thats a total of $1,606.70, or just 54.5% of AIME, compared with 90% for the applicant with AIME of $1,115.
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