Ensure You Are Receiving the Correct Benefit Program

There are two main Social Security Disability programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). It’s important to ensure that you’re receiving the correct benefits based on your circumstances:

• SSDI: This program is for individuals who have worked and paid into Social Security for a certain number of years. The amount of your SSDI benefits is based on your average lifetime earnings.
• SSI: If you have limited work history or income, you may be eligible for SSI. This is a needs-based program that provides benefits to individuals with disabilities who have low income and resources.

If you’re not sure which program you qualify for, or if you believe you may qualify for both, consider reviewing your eligibility with the SSA or consulting with a disability attorney.

Maximize Your SSDI Benefit Amount

For those receiving SSDI, your benefit amount is primarily determined by your work history and the average income you earned during your working years. Here are some strategies to maximize your SSDI benefits:

• Work for 35 years or more: The SSA calculates your SSDI benefits based on your highest-earning 35 years of work. If you haven't worked for that long, your benefit amount may be lower. If you’re still working, staying in the workforce longer and earning a higher salary will increase your future benefits.
• Delay Your Benefits: If you’re eligible for SSDI, you may also be able to increase your benefit by delaying the onset of your benefits. While this may not always be an option, delaying benefits allows you to accumulate delayed retirement credits and receive a higher benefit amount later on. Keep in mind that this only applies when you reach Full Retirement Age (FRA).

Report Changes in Income and Living Situation

If you are on SSI, it’s crucial to report any changes in your income or living arrangements to the SSA. Some of these changes may make you eligible for additional benefits or an increase in your monthly amount. For example:

• Increase in income: If your income changes due to a raise at work, self-employment, or other sources, this could affect your SSI benefits. However, reporting these changes is crucial because the SSA has specific deductions, such as the earned income exclusion, that could offset the impact on your monthly benefit.
• Changes in living arrangements: If you move into a different living situation, such as living with a family member or entering a care facility, this can impact your SSI benefits. Make sure to update the SSA about any significant changes.

Appeal a Denial or Underpayment

If you believe that you’re not receiving the correct amount for your disability benefits, or if you were denied benefits or had a reduced amount, you can appeal the decision:

• Request a Reconsideration: If your claim for SSDI or SSI was denied, you can request a reconsideration. In this step, the SSA will review your case again, and if new evidence can show that you qualify for higher benefits, your appeal could result in a better outcome.
• Request a Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ), who will evaluate your case in person. Bringing in additional medical evidence, testimony from medical professionals, or financial documents may help you secure a larger benefit amount.

Consider Working While on Disability (Under Special Circumstances)

Under the Trial Work Period (TWP), individuals receiving SSDI benefits can attempt to return to work and earn more without losing their benefits immediately. If you’re able to work while still maintaining your SSDI benefits, this can help you increase your financial security. However, there are important things to note:

• Trial Work Period (TWP): You can work for up to nine months while earning above the Substantial Gainful Activity (SGA) limit without losing your benefits. After the TWP, if you continue working at SGA levels, the SSA may review your ability to remain disabled and, in some cases, reduce or eliminate your benefits.
• Social Security Work Incentives: There are work incentives like the Ticket to Work program that can help you transition back into the workforce while still receiving benefits.

Seek Assistance from a Disability Advocate or Attorney

While it’s possible to navigate the SSA system on your own, working with a disability advocate or attorney can help you understand your rights, appeal any denials, and ensure you are receiving the maximum amount of benefits. A legal professional specializing in Social Security Disability can assist you with:

• Appealing denials for higher benefit amounts.
• Ensuring you qualify for the correct program, whether SSDI or SSI.
• Helping you gather medical evidence and supporting documents to strengthen your case.

Keep Up with Your Medical Documentation

For SSDI and SSI recipients, your medical evidence is critical in ensuring that you continue to qualify for disability benefits and receive an adequate amount. Regularly updating your medical records, seeing your doctor, and maintaining thorough documentation will help support your claim and ensure that the SSA is aware of the ongoing nature of your disability.