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Indianapolis Social Security Disability (SSDI) FAQ’s: What you need to know

Indianapolis SSDI Attorney John Bymaster understands they Social Security Disability Insurance system and can help you get your settlement.  Please read the FAQ’s below and find out what you need to know right now.

1. What is Social Security Disability (SSDI)?

The Social Security Disability program awards benefits to wage-earners who have sufficiently paid in to the Social Security system who have become disabled.   If you are no longer able to perform work duties and cannot find viable employment, you may be eligible to receive monthly payments under this program.  

2. What is Supplemental Security Income (SSI) and how is it different?

Supplemental Security Income was designed to award limited benefits to disabled citizens who have not sufficiently paid into the Social Security system.  Generally, participants in this program cannot sustain substantial employment due to a medically verifiable medical condition. Supplemental benefits are not determined by prior work history: they are determined by your living status and household size.

3. How soon will I start to receive SSDI benefits?

Social Security Disability payments are due to you 5 months from the date established for your disability.  If you are deemed eligible payments will start from this 5 month point.   Remember, you will not receive any disability payments, however, until you “win” your claim.  After your claim is granted, you will receive payment for after this 5 month point: this can result in a large lump sum sometimes to be granted to you to make up for “back” payments.

4. What monthly amount will I receive in SSDI benefits?

The amount you will receive monthly is determined by your work history.  You have built up work credits with the Social Security Administration throughout your life based on your taxable earnings.  Another consideration is how much time has passed since the last time you have worked.   

Although benefits vary, the amount of the payout will be less than your normal historical earnings.   Currently the average monthly benefit is approximately $1,150 per month.   Your benefit could be much higher or less than this amount due to your work history.  

5. Can I go back to work and still get SSDI benefits?

You can still work after you receive SSDI benefits, but may need to limit your total work income.   Regardless of whether your disability persists, the Social Security Administration (SSA) will revoke your benefits if you earn more than approximately $1000 per month.  You will need to contact you attorney if you plan to return to work.  In addition, the SSA may have you or your employer assist in the monitoring of your current or past job income.

6. Can I get Medicare coverage while receiving SSDI?

Medicare coverage is designed for either retired or disabled individuals participating in the Social Security programs.   You can receive Medicare coverage about 24 months after you were first awarded your monthly SSDI payment.

7. What percentage of applicants are granted SSDI?

Less than 40% of applicants are awarded SSDI.  The application process is strict and difficult.  Attorney representation is usually recommended unless it is a very “clear-cut” case.  Even a seemingly “clear-cut” case can many times require attorney representation.

8. What is the average age for receiving SSDI?

The average age for receiving SSDI is 53 years old.  The most common applicant age range is the 50’s to the 60’s.

9. Will I receive a large “settlement” when I start receiving SSDI?

You will only receive a large “settlement” if you are rewarded back payments of SSDI.    If you have been denied SSDI during the application process, you are usually entitled to receive monthly payments that cover back to within 5 months of your initial disability date.   This can generate a large back payment, especially if a considerable time period has passed.  

It is not entirely uncommon for back payment of benefits to exceed $10,000 or even $20,000 or even much more.  In such a scenario, this large lump sum payment would be entirely classified as “social security income.”   When such large back-payments occur, this is usually the amount where your attorney may be entitled to 15%-20% as payment for the representation in the case.  You will receive benefits also indefinitely in the future which are usually not subject to any attorney fee.

10. How long will SSDI payments be awarded to me?

SSDI payments do not stop until you return back to work or are no longer disabled.  The SSDI program may make inquiry into your disabled status or current work earnings.

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If you have futher questions, please contact Indianapolis SSDI Attorney John Bymaster for a free consultation.  Call 317-769-2244.

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