How to Maximize Your Social Security Disability Benefits
Are you thinking about applying for Social Security disability benefits and want to make sure you’re maximizing your potential benefits? You’re not alone—and taking the right steps early on can make a big difference.
I’m Kaitlin Wildoner, founding attorney at Beacon Disability, PLLC. I help disabled clients obtain the benefits they deserve as quickly as possible, so they can focus on healing and living their lives with greater security. Today, I’m sharing essential tips on how you can maximize your Social Security disability benefits.
1. Understand the Eligibility Criteria
The first step to maximizing your benefits is ensuring you meet the eligibility requirements for Social Security disability benefits. The Social Security Administration (SSA) has strict guidelines regarding disability status, work history, and medical conditions. Understanding these rules early will help you build a stronger application.
2. Apply for Benefits As Soon As You Become Disabled
Timing matters. Applying for benefits promptly after becoming disabled helps prevent the loss of any potential benefits. Delays could mean missing out on months—or even years—of financial support.
3. Work with a Social Security Disability Attorney
Navigating the Social Security disability system can be overwhelming. Hiring an experienced Social Security disability attorney can significantly increase your chances of success. At Beacon Disability, we guide clients through the application and appeals process, helping to avoid common mistakes that can lead to denials.
4. Keep Thorough Medical Records
Your medical records are critical to your claim. Make sure your doctors are accurately documenting your disability, treatments, and limitations. Consistent and detailed medical records serve as essential evidence when the SSA reviews your case.
5. Be Prepared to Appeal a Denial
If your application is denied, don’t lose hope. Many claims are initially denied but later approved on appeal. Preparing for this possibility—and seeking legal help if needed—can keep your case moving forward.
6. Consider Your Other Income and Assets
Your income and assets can impact your eligibility, especially if you are applying for Supplemental Security Income (SSI). Make sure you understand how your financial situation may affect your benefits and plan accordingly.
7. Know the Types of Benefits Available
There are two primary types of Social Security disability benefits: (1) Social Security Disability Insurance (SSDI): Based on your work history and earnings and (2) Supplemental Security Income (SSI): Based on financial need.
Understanding the differences between these programs will help you determine which you may qualify for—and what benefits you might expect.
8. Calculate Your SSDI Benefit Amount
Your SSDI benefit amount is based on your income history. Reviewing and understanding how your benefits are calculated can help you plan better for your financial future. In some cases, if you are able to continue working a little longer, it might be advantageous to increase your future benefit amount.
9. Review Your MySSA Account
Before applying, take time to review your MySSA account. Ensure that your income history is correctly reported and review your estimated monthly payment. Fixing any discrepancies early can prevent issues later in the process.
If you’re disabled and unable to work, we’re here to help. Click this scheduling link or call us directly to schedule a free consultation where we’ll discuss your case and see how we can help you.
