Common Questions and Answers

I am receiving long-term disability (LTD) insurance benefits. Will I automatically qualify for SSDI benefits?

No. Receipt of private LTD benefits does not impact your claim for SSDI benefits. Likewise, if at some point your LTD benefits are terminated, the fact that you no longer receive LTD benefits would not have a negative impact on your SSDI claim.

Can I receive SSDI benefits for my dependent children?

Yes. Children up to 18, or who have not graduated from high school, may be entitled to benefits if you become disabled. Generally, dependent children receive 50% of the amount of your monthly SSDI benefit, which is divided equally among all eligible dependents.

How will my benefits be calculated, i.e., How much will I get?

The amount of your monthly benefit is based on your lifetime average earnings covered by Social Security and is reduced if you receive other government benefits, such as worker’s compensation – including Black Lung payments – or public disability benefits.

When will my monthly benefits begin?

If your application is approved, your first SSDI monthly benefit will be paid for the sixth full month after the date that SSA determined that you became disabled (Disability Onset Date). For example, if SSA finds that your disability began on June 15, 2021, your first monthly benefit would be paid for the month of December 2021. Social Security benefits are paid in the month following the month for which they come due, so the benefit due for December would actually be paid to you in January.

How long will it take to get my first check after I am awarded?

It can take up to 60 days to receive your first check after you have been awarded. Processing time is generally faster at the initial claim and reconsideration levels, while tending to take longer for clients who are awarded at the hearing level. SSA can delay the processing of a claim for many different reasons and will not release any benefits until all necessary documentation is in order. This may include a copy of your birth certificate, citizenship papers, representation payee documents, or proof of other public payments such as state disability or workers’ compensation. We will help you provide these documents to SSA in a timely fashion to avoid unnecessary delays in processing your monthly payments

How long will it take for SSA to process my application?

Unfortunately, the process of applying for and being awarded SSDI benefits can be extremely long. Depending on the number of appeals needed to get your case awarded, the process can take anywhere from six months to three or four years. 

How much will it cost to have The Advocator Group help me?

Our fees are statutorily capped by SSA. Generally, we receive a percentage of your retroactive, lump-sum award, up to a maximum amount established by SSA. There are no hidden fees or costs associates with our services. We only earn a fee if we help you obtain an award, so you can be sure that we are working as hard as we can to get your claim approved.

If I am awarded SSDI benefits, how long will I continue to receive them?

You will continue to receive SSDI benefits as long as you continue to meet SSA’s definition of disability. SSA may find that you are no longer disabled due to medical improvement or if you return to work at a Substantial Gainful Activity level.

You are required to inform The Advocator Group and/or SSA of changes in your work status, or if your health improves. This is necessary to avoid incurring an overpayment to SSA.

Will SSDI benefits also help me obtain health insurance coverage?

Yes. You will become entitled to health insurance through Medicare 24 months after the date that SSA determines that you first became eligible for SSDI cash benefits. When you become eligible for Medicare, Aevo Insurance Services, a subsidiary of The Advocator Group, can assist you with your health plan selection and enrollment process.

What is Supplemental Security Income? Should I apply for that too?

Unlike SSDI, Supplemental Security Income (SSI) is a welfare program. SSI is a Federal income supplement program that is funded not by Social Security taxes, but by general tax revenues. The program is designed to help aged, blind, and disabled individuals who have little or no income and provides cash benefits to meet basic needs for food, clothing, and shelter. If you have limited income and resources, you should also consider applying for SSI.

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Please select your birthdate

We are unable to assist you.
Please contact your local Social Security office to discuss Supplemental Security Income or Social Security Retirement.
Click here for more information on SSDI eligibility.

I am currently receiving SSDI benefits.

We are unable to assist you because you are already receiving Social Security Disability benefits.
However, if you are interested in returning to work while keeping your benefits click HERE.

I worked at least 5 of the last 10 years and paid taxes.

We are unable to assist you because you must have paid taxes for at least 5 out of the last 10 years to be eligible for Social Security Disability.