Step 1: Ensure You’re Receiving the Correct Benefit Amount

The first step in getting more SSDI money is ensuring that you are receiving the correct amount. Your SSDI payment is based on your past earnings, and the SSA calculates your benefit using your Average Indexed Monthly Earnings (AIME) and Primary Insurance Amount (PIA). It’s important to review your benefit statement to verify that the SSA has calculated your AIME correctly. If there are discrepancies, you may need to request a recalculation.

Step 2: Maximize Your Work History and Earnings Record

The higher your earnings history, the higher your SSDI benefits will be. If you’ve worked for many years and earned a higher income during those years, your SSDI benefit will likely be higher. It’s important to make sure that all of your work history is properly recorded with the SSA. If there are any mistakes in your earnings record, they can be corrected, which could potentially lead to an increase in your benefit amount.

Step 3: Apply for Cost of Living Adjustments (COLA)

The SSA adjusts SSDI payments each year to account for inflation. These increases are known as Cost of Living Adjustments (COLA). While these adjustments are automatically applied, it’s important to stay informed about the annual increase and ensure you are receiving the correct COLA adjustment.

Step 4: Look into Possible Family Benefits

If you have dependents, they may also be eligible for benefits based on your SSDI record. Spouses and children may qualify for benefits, which could increase the overall amount your family receives. Additionally, your spouse may be able to collect benefits based on your work record if they are disabled or at least 62 years old.

Step 5: Report Any Changes in Your Situation

If your medical condition worsens, or if your situation changes, it’s important to inform the SSA as soon as possible. For example, if you start receiving other income sources (like a part-time job), your SSDI benefits may be adjusted. Similarly, if you become eligible for other government assistance programs, your SSDI payment could be affected.

Step 6: Consider Social Security’s Ticket to Work Program

If you’re capable of working on a limited basis, you may be able to increase your SSDI benefits through the Ticket to Work program. This program helps individuals with disabilities transition back into work, and in some cases, it allows you to continue receiving SSDI benefits while you earn income. This can help you increase your overall financial stability and possibly qualify for higher payments down the line.

Step 7: Reconsider Your Disability Status

If your health improves over time and you’re able to return to work, your SSDI benefits may be reduced or terminated. However, if your condition worsens, you can apply for an increase in benefits. This process involves submitting updated medical evidence and requalifying for SSDI based on your worsened condition.

Step 8: Appeal a Denied Claim or Low Payment

If you believe your SSDI claim has been denied or if your benefits are lower than you believe they should be, you have the right to appeal the decision. This can involve providing additional medical evidence or clarifying any missing details in your original application.