When To Apply For Social Security Disability Insurance (SSDI)
For SSDI, you should apply right away when you become disabled. Why? Because with SSDI, there is a five-month waiting period. You will have to wait for benefit payments for at least six months.
I am attorney Cory DeLellis. I help people understand their rights and when and how to apply for SSDI benefits. It is not unusual for an initial application to be denied. Even appeals are denied. However, there are things you can do to ensure your application is complete and on time. I can help.
The Difference Between SSDI And SSI
Both the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program help people who are unable to work and earn an income that is enough to sustain them. The difference is that unlike SSI, SSDI is based on your work record and your age.
SSI is a type of disability benefit. SSI is for people who have limited financial resources and who may have never worked. A child who is disabled may qualify for SSI or a person who is visually impaired. Visit the FAQ page for more answers to disability questions.
How Much Will You Receive With SSDI?
SSDI benefits are paid monthly. It is based on how much you earned before your disability. Once you have a disability and are approved, you will receive a payment. There is not a scale for the disability. It is paid out because you cannot work. This means the payouts are the same no matter if your disability is mild, moderate or severe. In 2021, the average monthly disability payout was $1,277. The maximum benefit in 2020 per month was $3,148.
How Is The SSDI Payout Calculated?
The Social Security Administration bases your payout on how much you paid in Social Security taxes. It is a complex weighted formula. Typically the more you paid into the Social Security system, the more you are eligible to receive, but every case is a little different. If the person who received SSDI payouts dies, their spouse or another family member may be able to still get the payout or a portion of it.
Get A Free SSDI Phone Consultation With An Experienced Attorney
As an experienced SSD and SSDI attorney, I understand what is needed for a successful application or appeal. I will work to protect your rights and do what I can to make sure you receive the full amount you deserve. Call 619-567-4462 or send me an inquiry email with your contact information.
I will answer your questions and provide a good idea of the process, timeline and what you can expect if you file for SSDI benefits. The firm has two office locations: San Diego and El Centro. I serve SSD and SSDI clients throughout San Diego County.