Understanding Disability Payments

The amount you receive from Social Security Disability depends on several factors:

• SSDI: Based on your past work history and how much you paid into the Social Security system. The more you earned before your disability, the higher your benefit amount will be.
• SSI: A needs-based program, SSI is designed for those who have little to no income or resources. The benefit amount is lower than SSDI and varies by location.

Both programs provide a basic level of financial support, but they may not cover all your expenses.

How Much Do You Get on Disability?

The average monthly SSDI benefit is about $1,300, but this can vary widely. For SSI recipients, the 2025 federal benefit rate is $914 per month for an individual, which may be adjusted based on other sources of income or state supplements. While these payments can help, they might not be enough to cover housing, utilities, transportation, or healthcare.

Budgeting and Saving on Disability

Learning to budget effectively is essential for surviving on disability benefits:

• Create a Budget: List all your monthly expenses (rent, utilities, groceries, etc.) and prioritize them. Look for areas where you can cut back, such as reducing unnecessary subscriptions or finding cheaper alternatives for groceries and transportation.
• Emergency Fund: If possible, start building a small emergency fund for unexpected expenses. Even small savings can help buffer financial stress.
• Supplement Your Income: If you are able, consider part-time work or self-employment. The SSA has specific rules about how much you can earn without jeopardizing your disability benefits, so be sure to understand the limits on "substantial gainful activity."

Reducing Your Expenses

Finding ways to lower your living costs is another key factor in surviving on disability:

• Housing Assistance: Look into programs like Section 8 housing or other affordable housing options available in your area.
• Healthcare: Medicaid or Medicare can help cover your medical expenses, but it’s important to understand the coverage options in your state.
• Food Assistance: Supplemental Nutrition Assistance Program (SNAP) benefits, also known as food stamps, can help you cover grocery expenses.
• Energy Assistance: Some utility companies offer discounts for low-income households, or there may be local programs to help reduce heating or electricity costs.

The Importance of Social Support

Living on disability can be emotionally and mentally challenging, so it’s essential to have a support system:

• Family and Friends: Lean on your loved ones for emotional support and practical help when needed.
• Support Groups: Many communities have support groups for individuals with disabilities, which can help with both emotional support and information on navigating the challenges of living on disability.
• Counseling and Therapy: If you’re struggling with the emotional toll of living on a fixed income, consider speaking with a counselor or therapist. Mental health support can improve your well-being and help you manage stress.

Can You Survive on Disability Long-Term?

Surviving long-term on disability is possible, but it often requires a mix of financial planning, support, and self-advocacy:

• Maximize Your Benefits: Ensure you’re receiving the maximum benefits possible, including any state-specific supplements or assistance programs.
• Consider Vocational Rehabilitation: If your disability allows, vocational rehabilitation programs can help you gain skills that allow you to work in a limited capacity and earn additional income without losing your benefits.
• Reassess Your Budget Regularly: Costs and financial situations change, so it’s essential to reassess your budget and resources periodically.

When to Seek Additional Help

If you find that your disability benefits are insufficient to meet your needs, you may need additional support:

• Apply for Other Assistance Programs: In addition to disability benefits, you may qualify for other financial support programs, such as Supplemental Nutrition Assistance (SNAP) or Low Income Energy Assistance (LIHEAP).
• Consult with a Financial Planner: A financial planner experienced with disability cases can help you make the most of your benefits and find other ways to improve your financial situation.
• Reach Out for Advocacy: Disability advocacy groups can offer assistance in navigating financial hardships and connecting you with resources.