Summary
Learn practical tips for maximizing your SSDI or SSI benefits. Get advice from Kaitlin Wildoner, attorney at Beacon Disability. Free consultations available.
By Kaitlin Wildoner, Founding Attorney at Beacon Disability, PLLC
Are you thinking about applying for Social Security disability benefits and want to make sure you’re getting everything you’re entitled to?
Hi, I’m Kaitlin Wildoner, founding attorney at Beacon Disability, PLLC. I help disabled clients get the benefits they deserve—quickly and efficiently—so they can focus on healing and moving forward with their lives.
In this post, I’ll walk you through practical tips for maximizing your Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits.
1. Understand the Eligibility Requirements
Before applying, it’s important to confirm that you meet the basic eligibility criteria for SSDI or SSI. These requirements include your work history, medical condition, and level of disability. If you’re unsure, a disability attorney can help you determine your eligibility.
2. Apply As Soon As You Become Disabled
Timing matters. If you wait too long, you may lose out on back benefits. Apply as soon as you’re unable to work due to a disability to avoid leaving money on the table.
3. Consider Hiring a Social Security Disability Lawyer
The application process can be complicated, and small mistakes can lead to delays or denials. Working with a disability lawyer can increase your chances of approval and reduce the stress of handling the paperwork yourself.
4. Keep Thorough Medical Records
One of the most important things you can do is make sure your medical records fully reflect your condition. Be honest and consistent with your healthcare providers, and make sure they document your symptoms, limitations, and treatments accurately.
5. Prepare for a Possible Appeal
Most initial disability claims are denied—but that doesn’t mean you should give up. Be ready to appeal the decision if needed. A skilled attorney can guide you through this process and represent you in front of an administrative law judge.
6. Consider Other Income and Assets
If you’re applying for SSI, your household income and assets can affect your eligibility. Be transparent about your financial situation and speak with a professional about how it may impact your claim.
7. Know the Difference Between SSDI and SSI
There are two types of disability benefits:
- SSDI (Social Security Disability Insurance) – Based on your work history and contributions to Social Security.
- SSI (Supplemental Security Income) – Based on financial need and available to people with limited income and resources.
Understanding the differences will help you know which program—or both—you may qualify for.
8. Estimate Your Potential Benefit Amount
If you’re applying for SSDI, your benefit amount is based on your average lifetime earnings. You can estimate your benefits using the Social Security Administration’s calculator. In some cases, it may make sense to delay applying if you’re still able to work part-time.
9. Review Your MySSA Account
Before submitting your application, log into your MySSA account to:
- Check your reported earnings history
- Confirm all work credits are accurate
- See your estimated monthly benefit
This can help you catch errors early and avoid unnecessary delays.
Final Thoughts
Applying for Social Security disability benefits doesn’t have to be overwhelming. With the right preparation—and the right support—you can improve your chances of success and make sure you’re getting the benefits you deserve.
If you’re disabled and unable to work, we’d love to help. Click the scheduling link below or give us a call for a free consultation. We’ll talk through your situation and figure out the best way forward—together.
Schedule your free consultation here.
Call Beacon Disability, PLLC: (866) 803-7734
