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Social Security Disability Insurance

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The Lowery Law Group
Phone  (843) 991-0733
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Social Security Disability Benefits and Insurance.

Social Security Disability Insurance

Social Security Disability Insurance (also known as SSDI or Title II) is the benefit program that covers disabled workers. To be eligible to apply for Social Security Disability Insurance benefits, a disabled worker must have worked in jobs covered by Social Security and paid Social Security taxes. Benefits are based on the disabled worker’s past earnings and are paid to the disabled worker and eligible dependent family members. Let the Lowery Law Group use their experience to file your Social Security Disability Insurance claim through our office at no charge.

How much per month will I receive per month in Social Security Disability Insurance benefits?

The simplest way to find out your potential disability benefit amount, is to create an account on www.ssa.gov/mystatement. After you log in to your account click, on the “estimated benefits” tab and you can see what your disability benefit would be currently if you were found disabled. You can also use Social Security’s benefit estimator at https://www.ssa.gov/OACT/quickcalc/index.html or call your local Social Security office.

Medicare Supplemental Disability Insurance Plans
If approved for disability will I be eligible for Medicare or Medicaid?

A Medicare Advantage plan (Part C) is a private Medicare insurance plan that is an alternative to traditional Medicare (Part A and Part B). If you are approved for Social Security disability insurance and would like coverage under a Medicare Advantage plan, you will need to enroll for coverage, it is not automatic like traditional Medicare. Medicare Advantage plans are provided by private insurance companies approved by Medicare. They provide all the coverage traditional Medicare provides, plus additional services and benefits, for example routine dental, vision, and audiology exams — all in a single plan.

There are a lot of different Medicare Advantage plans, and in many cases, Medicare Advantage plans do not charge a monthly premium to the individual; however, copays and deductibles do exist. Each Advantage plan has its own summary of benefits. When searching for Medicare Advantage plans you can enroll directly with the private insurance company offering the plan or speak with an agent to review your options and help you weigh the benefits of various plans. For more information or to contact an agent to discuss enrollment please visit https://mymedicarenetwork.com/.

Medicare Supplement Plans

Disabled individuals who are approved for Social Security Disability Insurance benefits will receive Medicare. For those individuals eligible for Medicare, it is important to understand that your Medicare benefits may not begin as soon as your Social Security disability payments start. There is a waiting period for Medicare benefits of two years after your date of entitlement.

What Does Medicare Cover?

Medicare is broken down into four different categories: Medicare Part A, Part B, Part C, and Part D. Once you become eligible for Medicare Part A you will automatically be enrolled in the Medicare program. Medicare Part A only covers hospital bills and some medical and hospice expenses.

The Part B program of Medicare is what covers doctor’s visits and other medical services and supplies that are not covered by Medicare Part A. To receive Part B, you have to pay a monthly premium out of your Social Security disability insurance benefits. However, if you already have medical insurance you may choose to opt out of coverage.

Medicare Part D is the part of your Social Security disability benefits that covers your prescription drug costs. Like Medicare Part B, you will need to pay a premium for Medicare Part D. If you choose not to enroll in Medicare Part D now, but decide to at a later date, you will have to pay a penalty and will continue to pay this penalty for as long as you keep your Medicare Part D coverage.

Medicare Advantage Plans

A Medicare Advantage plan (Part C) is a private Medicare insurance plan that is an alternative to traditional Medicare (Part A and Part B). If you are approved for Social Security disability insurance and would like coverage under a Medicare Advantage plan, you will need to enroll for coverage, it is not automatic like traditional Medicare. Medicare Advantage plans are provided by private insurance companies approved by Medicare. They provide all the coverage traditional Medicare provides, plus additional services and benefits, for example routine dental, vision, and audiology exams — all in a single plan.

There are a lot of different Medicare Advantage plans, and in many cases, Medicare Advantage plans do not charge a monthly premium to the individual; however, copays and deductibles do exist. Each Advantage plan has its own summary of benefits. When searching for Medicare Advantage plans you can enroll directly with the private insurance company offering the plan or speak with an agent to review your options and help you weigh the benefits of various plans. For more information or to contact a third party agent to discuss enrollment please visit https://mymedicarenetwork.com/

Medicare Supplement Plans

A Medicare supplement plan is sold by private insurance companies to cover the gaps in Medicare. Medicare supplement plans pay for the costs that traditional Medicare does not cover like coinsurance, copayments, and deductibles, but do not cover routine dental, vision, or audiology exams. If you have a supplemental policy, Medicare will pay its share of your medical expenses. Then your supplement policy will pay its portion, and in some cases the remaining portion of your bill. For more information or to contact a third party agent to discuss enrollment please visit https://mymedicarenetwork.com/.

Calculating Your Social Security Disability Payment

The amount of money you will receive from Social Security on a monthly basis is unique for every individual.

Social Security bases your retirement and disability benefits on the amount of income on which you've paid Social Security taxes—called "covered earnings." For 2019, the average monthly amount received by a disabled worker in Social Security disability insurance benefits was about $1,234. The average for 2020 is $1,258. Most SSDI recipients receive between $800 and $1,800 per month. As of 2020, the maximum benefit any individual can receive per month is $3,011.

Social Security Administration Disability Insurance Facts

You can call your local Social Security office and a field representative will be able to help you estimate what your benefits would be if found to be disabled. Or you can check your benefit amount online by creating an account at https://www.ssa.gov/myaccount.

There is NO FEE for a FREE consultation  regarding your claim, thus you have nothing to lose by calling Lowery Law Group today to discuss your case. We handle cases in both South Carolina as well as Georgia.

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Schedule a NO FEE Social Security Disability claim consultation with Lowery Law Group today.