For the disabled, monthly disability benefits are a Godsend. Living expenses, groceries and medical bills are all expenses most of us take for granted because we get a paycheck every few weeks. But how much does a disability check really cover? This blog looks at how much you can receive in monthly disability benefits — and how Watson and Carroll, P.C., L.L.O., will help you win your disability claim.
Social Security Disability Lawyer in Omaha and Council Bluffs
Watson & Carroll’s Social Security Disability team can help you secure benefits needed to support yourself. Chellsie Weber, our wildly successful and experienced disability attorney, and Abby Reid, our wonderful and thorough disability paralegal, can offer support and advice as it pertains to your disability and the benefits approval process. Remember, you’re more likely to have a successful disability claim with an attorney by your side. Call us today at 402-991-2100. You also can share your story here.
How Are Disability Benefits Determined?
Social Security benefits – including disability benefits and retirement benefits – are based on your earnings history. When you work, you earn credits based on the taxes that you pay in. To qualify for Social Security Disability Insurance (SSDI), you must have earned enough credits to be covered. In general, this usually means you must have worked the equivalent of five years full-time during the last 10 years.
The amount of your monthly benefits is based on your reported earnings. So, the more you earn, the higher your monthly benefit amount. SSDI payments average from $800 to $1,800 per month. As of 2021, the maximum monthly benefit is $3,148. The SSA has an online benefits calculator that you can use to determine your monthly benefits. You can create a My Social Security account at www.ssa.gov to check your account. It would tell you an estimated benefit amount if you became disabled and if you wait to draw retirement benefits.
If you receive any other government benefits, your SSDI check amount could be reduced. Sources of income that could affect your SSDI benefits include worker’s compensation, pension based on work not covered by Social Security including a government pension, or public disability benefits. To qualify for disability benefits, you must be unable to work for at least a year, and you must not be able to work and earn more than the current substantial gainful activity (SGA) limits, which as of 2021, is $2,190 per month for a blind individual and $1,310 per month for a non-blind individual.
It’s important to note: SSDI is different from SSI, or Supplemental Security Income. SSI is purely needs-based. It pays benefits to people in need regardless of their ability to pay taxes by working. The program is funded by general revenues instead of Social Security taxes. You can read more about SSDI and SSI here.
How Do I Qualify For SSDI?
The SSA uses a medical guide called a Blue Book, to determine if a claimant is eligible for disability benefits. The book has listings with specific criteria that must be met for a claim to be approved. You must provide hard medical evidence and supporting documentation for your disability claim to be approved. A residual functional capacity (RFC) form completed by a treating physician that details what you can and cannot do can be very beneficial to your disability claim. IF you’re denied, it’s often due to lack of medical evidence. We can help.
How To File A Social Security Disability Claim
If you are ready to get your disability claim underway, call us at Watson and Carroll, P.C., L.L.O. Our experienced disability attorneys have helped countless disabled individuals access their disability benefits.
About Watson & Carroll
Watson & Carroll, P.C., L.L.O., is not a high-volume law firm that only speaks with clients when it is absolutely necessary. For us, it’s personal. Our team works closely with our clients and their loved ones – not only so that we understand their challenges and concerns, but so we can tailor our approach to address those factors, aggressively pursue results, and secure peace of mind. Whether it is a medical malpractice case or advocating for disability benefits, we work to protect our clients and make sure their rights are upheld.