How to Increase Your Disability Benefits

How to Increase Your Disability Benefits

Living with a disability can be challenging, both physically and financially. Social Security Disability Insurance (SSDI) is a lifeline for many Americans in this situation, providing much-needed financial support. However, there may come a time when you wonder if it’s possible to increase your SSDI benefits. Life circumstances can change, and knowing how to navigate the system to maximize your benefits is crucial. In this comprehensive guide, we will explore various strategies and life changes that can potentially increase your disability benefits.

Understanding SSDI Benefits Calculation

Before diving into the ways to increase your disability benefits, it’s important to grasp how the Social Security Administration (SSA) calculates SSDI benefits. The primary factor in determining your benefits is your earnings history. Unfortunately, there aren’t many ways to directly increase your benefits on your own. However, certain life events and changes can potentially impact the amount you receive.

1. Death of a Spouse

If your spouse or ex-spouse has passed away, you may be eligible for survivor benefits. These benefits are often based on the deceased spouse’s work record and can potentially increase your SSDI benefits. Even if you’re already receiving benefits from another spouse, the death of an ex-spouse can still make you eligible for additional benefits.

2. Reaching Retirement Age

Depending on your birth year, your retirement age falls between 66 and 67. Once you reach retirement age, you can receive Social Security benefits regardless of your employment status or earnings. Unlike SSDI benefits, your income level does not affect the amount you receive. This means that even if you continue working, you can still collect your full retirement benefits.

3. Death of an Adult Child

If you have experienced the devastating loss of an adult child, you may be eligible for parent’s benefits. This can potentially increase the benefits you receive through SSDI. To qualify, your child must have had enough work credits to be eligible for SSDI and have provided at least half of your income support.

4. Additional Benefits Based on Your Work

If you have a work history, you may be entitled to higher disability or retirement benefits based on your earnings. The specifics of these additional benefits can vary from person to person. To gain more in-depth information about how your work history could qualify you for additional benefits, it is advisable to consult with a Social Security Disability lawyer.

5. Benefits From a Former Marriage

In certain circumstances, you may be eligible for benefits based on the work record of an ex-spouse. To qualify, you must be at least 62 years old, currently unmarried, and your former marriage must have lasted for at least 10 years. It is important to note that eligibility for benefits from a former marriage is not guaranteed, as it depends on the legal precedent of the marriage. However, it can potentially increase the benefits you currently receive.

6. Child Entitled to Benefits

Caring for a disabled child can also impact your SSDI benefits. If you are caring for a child who became disabled before the age of 22 or before turning 16, they may be eligible for additional benefits through either your spouse’s or your work record. This can potentially increase the overall benefits your family receives.

7. Past Military Service

If you have past U.S. military service and are currently receiving SSDI or Supplemental Security Income (SSI), you may be eligible for additional benefits through the Veterans Health Administration (VA). These benefits are available to individuals who have experienced a loss of income or resources. If your income or financial resources have decreased, you could potentially qualify for SSI, which provides additional assistance to low-income disabled individuals and seniors.

8. Utilize the Benefits Eligibility Screening Tool

To determine the full amount of your SSDI benefits and assess if you qualify for additional benefits, you can use the Social Security Administration’s Benefits Eligibility Screening Tool (BEST). This online questionnaire will provide you with valuable information about your eligibility and the benefits you may be entitled to receive.

9. Be Detailed and Thorough in Your Application

When applying for SSDI benefits, it is crucial to be as detailed and thorough as possible. Provide all the necessary information and documentation to support your disability claim. Applying as soon as possible after becoming disabled is also advisable. To be eligible for benefits, you must have earned enough work credits through paying into Social Security, meet the SSA’s disability definition, and have been disabled (or expect to be disabled) for at least a year. Clearly communicate how your condition prevents you from performing daily activities, and ask your doctor for support in conveying your diagnosis and limitations.

10. Update the SSA About Any Changes

If there are any changes in your life circumstances that may impact your eligibility or benefits, it is essential to inform the SSA promptly. By doing so, you can ensure that you start receiving any increased benefits as soon as possible. If you need to retire early due to your disability, applying for SSDI benefits before retirement may help you avoid a lower retirement benefit. Once you reach retirement age, you can transition to receiving Social Security retirement benefits.

11. Explore Other Types of Benefits

In addition to SSDI, you may be eligible for other types of benefits that can supplement your income. Research and explore other governmental assistance programs that you may qualify for based on your specific circumstances. Additionally, local social services or assistance programs in your area may provide additional support.

12. The Importance of Hiring an SSDI Lawyer

Navigating the SSDI system and maximizing your benefits can be complex and overwhelming. The SSA often makes it challenging for individuals to receive benefits and increase their amount. Hiring an experienced Social Security Disability lawyer can greatly assist you in this process.

They can review all aspects of your application and disability case, guide you through the application or appeal process, handle communications with the SSA and other parties involved, and always represent your best interests. Remember, you have earned these benefits through your contributions to Social Security, so seeking the proper amount of benefits is not a handout or charity.

In conclusion, increasing your disability benefits may be possible through various life changes and circumstances. By understanding the calculation of SSDI benefits, exploring different eligibility criteria, and seeking the guidance of a knowledgeable SSDI lawyer, you can potentially receive the maximum benefits you deserve. Don’t hesitate to take advantage of the resources available to you and pursue financial support that can alleviate some of the challenges of living with a disability.