Benefits for People With Disabilities: How They Work, What to Know – NerdWallet

It’s possible to receive more than one of these benefits at the same time, too. If you’re eligible for SSDI, you can also generally qualify for SSI. Disabled veterans may also be eligible to receive VA disability benefits, SSDI and SSI at the same time.

Qualifying for disability benefits can also help you get health care benefits.

You might be eligible for SSDI if you meet strict medical and work requirements and have paid into Social Security. Usually, you can only qualify if your disability has prevented you from working for a year or more^[0]

But qualifying for these benefits can be difficult. An average of only 21% of initial claims from disabled workers were approved between 2010 and 2019^[0]

What it pays: SSDI benefit amounts are determined by a detailed formula based on how much you earned during your working years. The average SSDI monthly benefit amount was about $1,690 in June 2023, according to the SSA^[0]

How to apply: You can apply on the SSA website. Note that this process is time-consuming and requires extensive supporting medical and work documentation. After applying, you’ll have to wait months for a decision, and appealing a denial takes longer.

Getting an experienced disability lawyer can help you make a strong case or file an appeal after a denial. Disability lawyers are required by law to work on contingency, meaning they don’t get paid until you win your claim. Their fees are also capped at $7,200 or 25% of your back pay, whichever is less^[0]

SSI pays benefits to adults and children with disabilities, as well as people over 65 who aren’t disabled but who have limited income and resources. There are no work requirements.

Benefit amounts are determined by whether you’re a qualified individual, couple or essential person, and whether you have income that reduces your benefit amount. Cost-of-living adjustments are also factored in.

What it pays: The 2023 maximum monthly SSI benefit amount is $914 for an eligible individual, $1,371 for an eligible individual with an eligible spouse and $458 for an eligible essential person^[0]

How to apply: You can start the SSI application online by providing your name, Social Security number and basic contact information, which the SSA estimates to take five to 10 minutes. After that, the SSA will send you an appointment date and time by mail within 14 business days to complete the process in person.

You might qualify for VA disability benefits if your injury or illness — or the worsening of your condition — is from military service. The VA assigns “disability ratings” to applicants in the form of a percentage to indicate severity; for example, someone with a 50% disability would be more disabled and eligible for more benefits than someone with a 10% disability.

What it pays: For veterans with 10% or 20% disabilities, the maximum monthly benefit amounts are $165.92 and $327.99 respectively, with no increases for dependents^[0]

How to apply: You can apply on the VA website. You’ll need to provide supporting medical documentation and supporting statements from family, friends or those familiar with your condition. Lawyers and other people who might help you apply aren’t permitted to charge fees for filing initial VA disability claims.

If your claim is denied, consider hiring an experienced VA-accredited disability lawyer to help you with your appeal. For these cases, lawyers are paid on contingency, and generally, fees should not exceed 20% of your back pay. Fees over 33.33% are considered unreasonable under the law^[0]

Claire Tsosie, an assigning editor at NerdWallet, contributed reporting to this article.