What are the benefits of applying for disability?
By Hogan Smith
Updated 04/24/2025
Applying for Social Security Disability benefits can provide critical support when you’re unable to work due to a medical condition. Whether you qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), there are several important financial, medical, and long-term benefits that come with approval. Below is a guide to the major advantages of applying for disability.
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Monthly Financial Assistance
One of the most immediate benefits is the monthly cash payment you’ll receive if approved. This financial support helps cover essential expenses like:
- Rent or mortgage
- Utilities
- Groceries
- Medical bills
SSDI payments are based on your previous earnings, while SSI provides need-based support to those with limited income and resources.
Access to Health Coverage
After a waiting period, disability benefits come with valuable health coverage:
- SSDI recipients become eligible for Medicare after a 24-month waiting period from their disability onset date.
- SSI recipients typically receive Medicaid immediately upon approval in most states.
These programs offer access to doctors, specialists, prescriptions, and hospital care—often at low or no cost.
Protection for Your Future
Receiving disability can also protect your long-term financial security:
- Your eligibility for retirement benefits through Social Security stays intact.
- Time spent receiving SSDI counts toward your future Social Security retirement earnings record.
- Some private long-term disability insurance plans require proof of applying for SSDI as a condition of continued benefits.
Dependent Benefits
In some cases, family members of SSDI recipients may also qualify for benefits, including:
- Spouses
- Minor children
- Adult children with disabilities
These dependents may receive a monthly payment that helps support the entire household.
Legal Protections and Work Incentives
Being on disability provides protections and flexibility, such as:
- Protection from job discrimination under the Americans with Disabilities Act (ADA)
- Trial work periods that allow you to test your ability to return to work without immediately losing benefits
- Access to vocational rehabilitation programs and employment support services
Peace of Mind
Perhaps most importantly, disability benefits offer
peace of mind. You’ll have a stable source of income, access to healthcare, and fewer financial worries while focusing on your health and recovery.
How Hogan Smith Can Help
At Hogan Smith, we understand how vital these benefits can be—and how overwhelming the process might feel. Our experienced team can help you:
- Determine which disability program you may qualify for
- Submit a strong, complete application with all necessary documentation
- Explain the benefits you can expect to receive
- Guide you through appeals if your claim is denied
Contact Hogan Smith Today
If you're considering applying for disability or just need help understanding your options, contact Hogan Smith today. We offer free consultations and are ready to help you access the benefits you deserve.
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