If you’re waiting for a Disability Insurance (SSDI) check in February, take note of the last date on the pack of February payments. The key date here is the 26th. But be careful: not everyone gets it on the same day.
If your birthday is between the 11th and 20th of any given month, the 19th is your day. If it is after the 21st, then the 26th is your date. And how much? It could reach $4,018 depending on a number of factors (which I will explain).
Oh, and Presidents’ Day (February 17) plays a role: payments are delivered after the holiday. Are you concerned about not qualifying? Don’t worry, the SSA has rules, which I’ll simplify for you here.
What is SSDI and who can receive it?
SSDI is neither a gift nor a lottery. It is insurance for those who, due to a disability, are unable to work for at least one year. But be careful: simply saying it is not enough. Two major requirements must be met:
- Have contributed enough time to Social Security (that is, pay your taxes as a worker).
- That your disability is verified and long-term (according to SSA criteria).
Did you work in informal or government jobs without paying Social Security? You probably don’t apply. And if your condition improves, let them know! If not, you could lose benefits.
Why do some receive less money from SSDI?
The average SSDI payment is approximately $1,580, but some people receive up to $4,018, which is the maximum this year. The reason for this is that the SSA uses a formula that takes into account your years of service, your earnings (if you were addicted to overtime), and the inflation adjustment (COLA).
If you became disabled before the age of 35 and have not contributed for many years, the calculation is based on what you have. It’s not personal; it’s mathematics.
You can also receive both the SSDI program and the Supplemental Security Income (SSI) allotment. This benefit is for people with low incomes and resources, whereas SSDI is based on your work history. If you meet the requirements for both, you will be able to access them.
Of course, the SSA will examine your finances and years of contributions. If you have a complicated case, you can receive SSI while you complete your SSDI paperwork.
To maximize your benefit, review your contribution history and keep up with paperwork. Take note of all of the years and their respective contributions, and ensure that they are all properly recorded. Because every month or year that you do not contribute or that is not computed is considered “zero dollars,” which reduces your deposit payments.
