For those unable to work, Social Security Disability Insurance (SSDI) can often help by providing monetary payments. When you don't have a regular salary, you're likely open to any help. Some applicants are curious about how much money to expect from the Social Security Administration (SSA). Read on to find out more about how benefits are determined and what you can do if you are turned down.
You Can View Benefits Online and Other Ways
If you have internet access, you can create or access your account online. By viewing the website you can find out how much of a monthly payment to expect if you are unable to work. Look over your earnings record carefully and follow the directions to make any corrections. You will also be shown a predicted retirement benefit amount. If you would rather find out what to expect in other ways, visit your local Social Security office for more information.
How Earnings are Determined
You should know that SSDI benefits are not meant to be the same as you were earning at your last job. They are, however, based on how much money you've earned within the last few years. The way your benefits are determined may be complicated but what you will receive is likely to be far less than you expected.
Back pay is another aspect of SSDI benefits. Back pay is the lump-sum payment you receive once your benefits are approved. This lump-sum payment covers the time from when you stopped working because of your disability until when you were approved. This amount can be considerable since you might have to wait many months for approval. You might not even be approved without having to undergo an appeal.
Other Ways to Earn Money
The SSA has strict rules about the amount you can earn and the way you earn it. You cannot earn money by doing the same (or similar) work you were doing at your most recent job. There is also a monthly limit on how much you can earn from any source and your earnings must be reported to the SSA each month. In addition, you may be able to participate in several programs the SSA offers for those who want to try to return to work.
If you are turned down for benefits, you must be prepared for your appeal hearing. This hearing is important and is best dealt with by having a Social Security lawyer at your side. Contact a disability attorney through websites like http://www.chichesterlaw.com.