SSDI Benefits for Individuals 2018-02-16T02:21:00+00:00

SSDI Benefits Help For Individuals

With True Help, claiming your Social Security Disability Insurance (SSDI) benefits is simpler.

We understand how uncertain life can be, especially when you’re seriously sick or hurt and can no longer work. That’s why we help people claim the Social Security Disability Insurance benefits they deserve. This government program is run by the Social Security Administration (SSA) and provides monthly income if you qualify.

Qualifying for SSDI can be complex, but it can change your life. There are benefits to cover your healthcare needs and return-to-work incentives, along with regular monthly income. We’re here to help with your application and beyond, so you get all the benefits you’re entitled to receive.

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.


Monthly SSDI
Payments Each Year

$700 – $1,500

Average Monthly
Payment Amount


Approximate Monthly Payment Maximum

8 SSDI Benefits
Beyond Monthly Income

Approval for Social Security Disability Insurance unlocks access to money-saving, life-enhancing benefits beyond regular monthly income.

Medicare Coverage

You’re eligible for this medical, hospital and prescription coverage 24 months after your SSDI benefits begin.

COBRA Extension

The length of your COBRA benefits could be extended an additional 11 months.

LTD Security

If you have private long-term disability (LTD) insurance, it probably requires you to apply for SSDI. Doing this can protect LTD benefits.

Retirement Benefits

Approval for SSDI triggers a Social Security earnings record freeze that can result in a higher retirement income.

Dependent Benefits

SSDI approval can activate benefits for your children under the age of 18, adding up to 50% more income to your monthly payments.

Cost-of-Living Adjustment

The SSA evaluates cost of living allowances annually, which could increase your monthly payment.

Tax Relief

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 Social Security disability insurance 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 Social Security Disability Insurance 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.

The SSA regulates what you can be charged for SSDI representation. Currently, this is 25% of the dollar amount of your retroactive SSDI benefits payment, and no more than $6,000.

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.

Because it can take months to get approved for SSDI, the SSA “makes good” on what they owe you in back benefits, with a retroactive payment. This figure is based on the amount of your monthly SSDI payment and your disability onset date.
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.

Take Our Free Assessment

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.”

Tami, from Texas

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 Social Security disability insurance 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 Social Security disability insurance 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 Social Security disability insurance, 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.

More Questions about the SSDI Process

Start Your SSDI Application With empower Now

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Have Questions Or Concerns? Just Ask Us.

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