If you’re thinking about SSDI, you’re thinking about money. These numbers can give you an idea about how much help you can expect with bills, and how often payments will come.
Payments Each Year
$700 – $1,500
Approximate Monthly Payment Maximum
8 SSDI Benefits
Beyond Monthly Income
Approval for SSDI unlocks access to money-saving, life-enhancing benefits beyond regular monthly income.
You’re eligible for this medical, hospital and prescription coverage 24 months after your SSDI benefits begin.
The length of your COBRA benefits could be extended an additional 11 months.
If you have private long-term disability (LTD) insurance, it probably requires you to apply for SSDI. Doing this can protect LTD benefits.
Approval for SSDI triggers a Social Security earnings record freeze that can result in a higher retirement income.
SSDI approval can activate benefits for your children under the age of 18, adding up to 50% more income to your monthly payments.
The SSA evaluates cost of living allowances annually, which could increase your monthly payment.
You may not have to pay income taxes on a portion of the SSDI benefit payments you get each month.
Return to Work
There are incentives if you return to work: free help from a certified Employment Network, protection for SSDI income, and more.
Does This Sound Like You?
If you can relate to any of these situations, you need True Help.
I can’t work because of a lasting illness or injury.
I need SSDI income now but want to return to work later.
I got denied for SSDI and need help to appeal.
With True Help on your side, let empower work for you
Looking out for your interests is what True Help is all about. As a leading provider of SSDI representation and other disability services, we know how to improve your chances for benefits. If you’re ready to apply, take advantage of our easy online application tool, empower. This significantly improves your chances of approval at the initial application level.
If you’ve applied for SSDI on your own and were denied benefits, don’t get discouraged. We also have experts and resources to handle appeals. Approval for benefits can take longer with appeals, but we’ll do everything we can to resolve your situation quickly and successfully.
How Our Fees Work
You won’t pay us a fee until you’re approved for SSDI benefits. What we charge you, when it’s time, is a single fee allowed by law. There are no hidden costs for things like gathering medical records, faxes or travel.
Our approach is designed to help you get approved for benefits as quickly as possible. Quicker approval means a smaller retroactive SSDI payment and a smaller representation fee.
|Example 1||Example 2|
|$1,000 Monthly SSDI Payment x 6 Months for Approval = $6,000 Retroactive Payment||$1,000 Monthly SSDI Payment x 42 Months for Approval = $42,000 Retroactive Payment|
|In this case, the 25% fee applies, so the fee would be $1,500.||Here, the fee is $6,000. That’s because 25% is $10,500, and over the maximum.|
Ready To Get Started?
Whether you’re interested in applying for SSDI with empower or looking for help with an appeal, your next step is our free SSDI Assessment. You can take it online, right now.
How True Help & empower Are Better For You
50% better odds of initial application approval.
Expertise makes the SSDI process faster and easier.
Better odds of winning SSDI appeals at all levels.
It’s easier to go back to work, if and when you medically recover.
Extra help with your healthcare options.
No fees until you’re approved for SSDI.
“I am just so impressed. If I had done this on my own, I would never have been approved. Allsup made this amazingly stress free.”
3 Reasons To Start Your SSDI Application Soon
Reason 1: A Better Process
It’s a simpler, more convenient experience when you apply with empower.
Reason 2: Faster Results
The sooner you start, the sooner you can get approved for benefit payments.
Reason 3: More Than Money
SSDI approval gives you access to benefits beyond monthly payments.
SSDI Benefits FAQs
empower was built with the knowledge we’ve gained over 30+ years, helping people claim their SSDI benefits. This experience has taught us how to best help individuals and families, as well as what they most need to know about SSDI.
The SSA measures work history for SSDI with “work credits.” Usually, you need to earn 20 work credits in the last 10 years to qualify for benefits. What this means is that you’ve worked 5 out of the last 10 years in jobs covered by Social Security. (If your employer deducted FICA taxes from your pay, then you were covered by Social Security.) Workers younger than 31 years of age need fewer work credits to qualify for SSDI, because they’ve had less time working.
In short, no. Social Security disability benefits convert to retirement benefits at retirement age, so you don’t collect both at the same time. This makes sense, if you understand that generally, Social Security disability benefits are designed to help people who are forced to stop working early, due to a chronic illness or injury.
Honestly, there is no automatic approval for SSDI benefits. Still, there are some injuries and illnesses so severe, you simply need to prove a doctor’s diagnosis to receive benefits. The SSA provides a decision on applications with these severe conditions within a month – and this is the closest thing to an automatic approval. There are 200+ conditions handled this way, all detailed on the SSA’s Compassionate Allowances List.
The list includes:
- Lou Gehrig’s Disease (ALS)
- Acute leukemia
- Early-onset Alzheimer’s disease
- Gallbladder cancer
- Pancreatic cancer
- Small cell lung cancer
- Hepatocellular carcinoma (a type of liver cancer)
- Anaplastic thyroid carcinoma (a type of thyroid cancer)
- Inflammatory breast cancer (IBC)
It depends on how much you’re earning from work. To get approved for SSDI, you can’t make more than $1,170 in a month. If you do, you won’t be approved for benefits. The SSA even has a term for earnings that are too high for benefits: substantial gainful activity (SGA). If you earn this, then it doesn’t make sense to apply for SSDI unless you quit your job or begin working less.
Being married doesn’t affect your eligibility for Social Security Disability Insurance (SSDI) benefits. Your situation as an individual is what will be evaluated. This is often misunderstood, though. This is because the Social Security Administration (SSA) has another program called Supplemental Security Income (SSI) that does consider income from a spouse. What also adds to confusion about this is that SSDI and SSI are close in name, and some families receive benefits from both programs: SSDI and SSI.
Have Questions Or Concerns? Just Ask Us.