When you’re disabled and unable to work, Social Security and disability benefits can be your lifeline. Although the goal of these programs is to provide you with financial assistance when you most need it, let’s face it—the application process can be challenging. You might be wondering where to start, how to check what’s owed to you, and how to actually start receiving those payments. Well, no worries! Let me walk you through the steps in simple terms.
Why Social Security and Disability Payments Matter
Millions of Americans, particularly those who are retired, disabled, or have difficulty making ends meet, benefit from Social Security income. For many, Social Security isn’t just extra money; it’s what keeps the lights on, food on the table, and bills paid. Since around 65 million individuals depend on these benefits each month, you’re not the only one who occasionally needs assistance.
Equally significant are disability benefits, or Social Security Disability Insurance (SSDI). If you suffer from a major medical condition that prevents you from working, SSDI might provide you with monthly benefits to aid with living expenses. Many people would be in financial distress if SSDI hadn’t been established.
How to Check What’s Owed to You
First things first—you’ll want to know how much you can expect to receive from Social Security or Disability payments. Luckily, checking your benefits is easy.
- Go Online to the Social Security Website: Head to ssa.gov and sign up for a free account through My Social Security. It only takes a few minutes.
- Enter Your Info: You’ll need your Social Security number, birthdate, and some other basic info.
- See Your Benefits: Once you’re logged in, you can see how much you’re entitled to. It breaks down what you’ll get in retirement, disability payments, and even what your family could receive if something happens to you.
That’s it! This account lets you track what you’re owed and keeps you informed about your benefits. It’s a huge help, so make sure to set it up.
How to Apply and Start Getting Paid
Applying for Social Security or Disability benefits isn’t as scary as it seems, but you need to know what to expect.
For Social Security (Retirement):
- You can apply online once you’re nearing 62 years old, but keep in mind that if you apply early, your monthly payments will be less than if you waited until full retirement age.
- The process is pretty straightforward. You’ll need to provide info like your work history and banking details for direct deposit.
For Disability (SSDI):
- The process for SSDI takes a bit longer because you need to prove that your condition keeps you from working.
- Get all your medical records, doctor’s statements, and any other documents ready before applying. You’ll need this information to show the SSA that your condition is serious and long-lasting.
You can apply online, call the SSA, or visit your local office to get the process rolling.
Get Help to Speed Up the Process
It might be annoying while waiting for Social Security or disability benefits to arrive later than anticipated. However, assistance is available if you need to move more quickly.
- Hire a Social Security Attorney: A Social Security lawyer can assist you in filing an appeal in the event that your disability claim is refused, which occurs frequently.
- Use an Advocate Service: Disability advocates can assist you with your application. They know the ins and outs of what the SSA wants, helping you avoid mistakes that might slow things down. You can also find online services (check out our affiliate button below!) that will help you get through the process quicker.
It’s worth reaching out for help if you’re feeling stuck. These services can give you peace of mind and might help you get your money sooner.
What Happens After You’re Approved?
After you’re approved, you’ll start receiving monthly payments. Most people choose Direct Deposit, which sends the money straight to your bank account. It’s fast, safe, and you don’t have to worry about losing a check in the mail.
What If Your Claim Is Denied?
If your Disability claim gets denied, don’t panic. This is common, and you have the right to appeal. There are several levels of appeal:
- Reconsideration: Ask the SSA to look at your application again.
- Hearing: If reconsideration doesn’t work, you can request a hearing with an administrative law judge.
- Appeals Council: If the judge denies your claim, the next step is taking it to the Appeals Council.
- Federal Court: If nothing else works, you can take your case to federal court.
It’s a long process, but a Social Security attorney can help. They’ll guide you through each step and increase your chances of winning the appeal.
Managing Your Payments
After you start getting your benefits, it’s critical to maintain organization. You must notify the Social Security Administration (SSA) of any changes to your circumstances, like as employment or better health.
The My Social Security account is a handy tool for managing your payments. You can use it to check your status, make changes, or ask questions. It’s a simple way to stay on top of your benefits.
Can Social Security Help You with Housing?
Yes! Your Social Security payments might even help you qualify for Section 8 housing. This program helps low-income families find affordable housing, and if you’re receiving benefits, you could be eligible for rental assistance.
Want to learn more? Check out our article Don’t Get Scammed out of Your Section 8. It’s full of useful tips on protecting yourself from fraud and getting the housing you need. Or, if you’re struggling with your voucher, take a look at The 7 Top Reasons People Lose Their Housing Vouchers.
Don’t Wait to Get the Help You Need
If you’re eligible for Social Security or Disability benefits, don’t wait to apply. These payments can be a huge help—whether you’re retired or facing a disability. If the process feels overwhelming, remember that help is available. You can work with an advocate or attorney to make things go smoother and faster. And if you’re dealing with a denied claim, don’t give up. There are steps you can take to appeal and get the money you deserve.
Ready to start? Head over to ssa.gov to check your benefits and get the ball rolling. With the right steps, you’ll have your payments coming in no time.
FAQ: Social Security & Disability Payments
1. How do I apply for Social Security benefits?
You can apply online at ssa.gov, over the phone, or by visiting your local Social Security office.
2. How long does it take to get approved?
It varies, but the process can take a few months, especially for Disability claims. Be sure to follow all the steps and submit the required documents.
3. What happens if my Disability claim is denied?
You can appeal the decision. There are four levels of appeal, and you might want to get an attorney or advocate to help.
4. How can I get help speeding up the process?
Social Security attorneys and disability advocates are available to help you navigate the process and speed things up. Consider reaching out for assistance if you’re stuck.
5. Can my Social Security benefits help with housing?
Yes, Social Security benefits can help you qualify for Section 8 housing assistance if you meet the income requirements.
