If you are receiving Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), it’s essential to understand that your benefits are not set in stone. There are several factors that can influence the amount of money you receive. This blog post will explore some of these factors and provide valuable insights on how you may be able to increase your benefits.
Understanding SSDI Benefits
Social Security Disability benefits are designed to provide financial assistance to individuals who can no longer work due to a qualifying disability. The amount you receive is primarily based on your earnings record, which reflects your work history and contributions to Social Security. Here are some critical components that affect your benefit amount:
Work History: Your SSDI benefits are calculated based on your average lifetime earnings. The more you have earned over your working life, the higher your potential monthly payment.
Cost of Living Adjustments (COLAs): Each year, benefits may be adjusted based on inflation. For 2025, a projected 2.5% COLA could increase monthly payments by approximately $38.50, helping recipients keep pace with rising living costs.
Strategies to Increase Your SSDI Benefits
1. Reevaluate Your Disability Status
If your condition improves or changes significantly, it’s essential to notify the Social Security Administration (SSA). A reevaluation could lead to an adjustment in your benefit amount:
Medical Reviews: The SSA conducts periodic reviews of disability cases. If you believe your condition has improved, consult with a healthcare provider about the implications for your benefits.
2. Ensure Accurate Earnings Record
Your earnings record is crucial for determining your benefit amount:
Review Your Record: Regularly check your earnings record for accuracy through your Social Security account. Any discrepancies should be reported promptly to avoid receiving lower payments.
Document Work History: If you have returned to work part-time or changed jobs, ensure that these updates are reflected in your earnings record.
3. Explore Additional Benefits
There are several ways to supplement your SSDI income:
Spousal Benefits: If you are married and your spouse has a higher earning history, you may be eligible for spousal benefits that can increase your total monthly payment.
Child’s Benefits: If you have dependent children under age 18 or disabled children who became disabled before age 22, they may qualify for additional benefits based on your work record.
4. Consider Other Assistance Programs
In addition to SSDI, explore other government assistance programs that can provide financial support:
Supplemental Security Income (SSI): If you have limited income and resources, you might qualify for SSI, which offers additional monthly payments.
Local Assistance Programs: Investigate state-specific programs in Alabama that provide extra financial support for individuals with disabilities.
5. Stay Informed About COLAs
Understanding how COLAs affect your benefits is vital:
COLAs are automatic annual adjustments designed to help beneficiaries maintain their purchasing power amidst inflation. Staying informed about these adjustments can help you plan financially.
Navigating the SSDI system can be complicated, and professional help can make a significant difference. Consulting with a qualified disability attorney can provide insights into maximizing your benefits and help with any appeals if necessary. They can assist in ensuring that all relevant information is presented accurately during the application process.
FAQs
How often are disability benefits reviewed?
The Social Security Administration (SSA) conducts Continuing Disability Reviews (CDRs) to ensure that recipients still meet the eligibility criteria. The frequency of these reviews depends on the likelihood of medical improvement: if improvement is expected, reviews occur every 6 to 18 months; if improvement is possible, reviews happen approximately every three years; and if improvement is not expected, reviews take place every 5 to 7 years.
Can I work part-time while receiving SSDI?
Yes, you can work part-time while receiving SSDI benefits, but there are specific rules. You may participate in a trial work period for up to nine months during which you can earn unlimited income without losing your benefits. After this period, if you continue to work and earn above a certain threshold, your benefits may be reduced or stopped.
What happens if my disability improves?
If your condition improves and you can return to work, you must inform the SSA. They will conduct a review to determine if you still qualify for benefits. If they find that you are no longer disabled, your benefits may be terminated. However, you have the right to appeal this decision if it occurs.
Are there additional benefits for my family?
Yes, SSDI provides potential additional benefits for family members. Spouses and dependent children may qualify for auxiliary benefits based on your work record. This can include spousal benefits for a husband or wife and children’s benefits for dependent children under age 18 or disabled children who became disabled before age 22.
What should I do if my claim is denied?
If your SSDI claim is denied, you can appeal the decision by first requesting a reconsideration within 60 days of receiving the denial notice. If that request is denied as well, you can request a hearing before an Administrative Law Judge (ALJ). It is advisable to seek legal representation during this process, as a disability attorney can help gather evidence and present your case effectively.
Attorney, Former Social Security Judge
Prior to entering private practice as a social security disability attorney in 1997, Peter J. Lemoine served as a Social Security Administrative Judge for seven years. His practice is devoted entirely to social security disability law, and he has helped thousands secure social security disability benefits.
