Will the SSA give me money for past bills?Many disability applicants wonder what type of benefits they will receive if they are approved for Social Security Disability Insurance (SSDI). Does the Social Security Administration pay past medical bills? Do they pay all of your outstanding credit card payments? Do they provide housing assistance? Maybe they give food vouchers similar to food stamps? Can you expect them to give you a doctor or make sure you get the proper medication? The Social Security Administration does very little of the above.
What does the Social Security Disability Insurance (SSDI) benefit cover?
If you have been given SSDI you can expect a monthly cash payment. The payment can be directly deposited into your checking account each month. The payment is based on your average earnings and the amount you paid into the SSDI system so it will vary by claimant. If you had a very high average salary and contributed a high amount through employment taxes over the course of your employment you can expect a high payout. If, however, you worked the minimum number of years, had a low salary, and paid low taxes your payment will be much less.
It is always baffling when claimants complain that their SSDI payment is so much lower than other claimants payouts. Why does this happen? Because the other claimant paid much more into the system than you did. So how much can you expect to receive? It will vary, but many SSDI claimants get an average of about $1,100 per month.
What can I spend my SSDI payment on?
Social Security Disability Insurance (SSDI) payments can be used to pay for all of your monthly needs: clothing, food expenses, housing costs, rent, car maintenance, health insurance costs and medication.
Now, you can also take your SSDI payments and begin to pay off medical bills or credit card bills that have accumulated while you were waiting to get your SSDI benefits. Considering that many claimants wait month or years for their payments it is not unusual for them to have substantial debts. Take the SSDI payments and allocate a small amount each month to debt repayment.
Does the SSA repay your past medical bills?
Although you are given a cash payment, as mentioned above, there is not additional payments for repayment of your medical bills. In fact, the SSA does not provide Medicare to a SSDI recipient for 24 months from the date of your disability. This means you may have to wait several months after you receive your first SSDI payment to begin getting medical insurance through Medicare.
Although many disability recipients may also be eligible for food stamps or housing assistance these services are not provided by the SSA. If you have questions about them you need to contact the appropriate governmental agency. For example, housing assistance is provided by the United States Department of Housing and Urban Development (HUD). To apply for this service you will need to contact HUD directly.