SSDI - What will it cover?
Benefits of SSDI
Many Social Security Disability Insurance (SSDI) applicants are curious about what type of benefits they can expect if they are approved for SSDI. Will they receive just a monthly cash payment or can they also expect food assistance, rental assistance, medical assistance, etc.? This blog will address your benefits for SSDI and what other options you may have for getting additional benefits.
SSDI payment amount
If you qualify for SSDI you will receive a monthly cash payment. Social Security Disability Insurance Benefits are based on your average earnings and your payroll tax contributions into the Social Security System. Payments into the SSA system are made through your employment taxes so the higher your salary and the more taxes you paid the higher your SSDI payment will be. Amounts vary but on average claimants receive approximately $1,100 per month.
SSDI payments are not lowered if your spouse works or if you have additional resources such as saving accounts or a pension plan. This differs from other programs such as the Supplemental Security Income (SSI) program which requires that you have limited income and resources to qualify.
The best way to find out how much you may receive each month is to review your Statement of Earnings which is sent to you each year by the Social Security Administration for an estimated payment amount. You can also contact the SSA at 1-800-772-1213 for specific information. The SSA at one time did generate copies of workers Statement of Earnings but has since suspended that practice in efforts to save time and money.
Will I get housing or other types of benefits?
Many SSDI recipients want to know if they will automatically get some type of housing help if they get SSDI. No, the Social Security Administration does not provide housing assistance, even for the disabled. This type of assistance is provided by the U.S. Department of Housing and Urban Development (HUD). HUD has several programs that help individuals acquire decent shelter at rents they can afford. To find out more information about HUD you can visit their website at www.hud.gov
Will I get medical benefits?
SSDI recipients will eventually get Medicare but they will have to wait until 24 months from the date of their disability. This seems confusing to many disability applicants, many of whom have been out of work for months (or maybe years). The only explanation I have ever found is that this provision was added to save the SSA money and is not likely to be changed in the near future.
What do you do until you are approved for Medicare? This is a great question with no good answer. If you are not covered by a spousal plan and your options for COBRA or your own employment health insurance are limited you will have to pay for your own medical care expenses out of pocket.
What are the benefits of SSDI?
SSDI is only for workers who are severely injured and who cannot work. If you can work, you should work. If you get SSDI and you can work, you are committing fraud. But for those who are truly disabled SSDI can be a lifesaving disability benefit that allows you to pay for the necessities of living.