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Applicants for disability benefits typically file claims under both Title II (Social Security Disability) and Title XVI (Supplemental Security Income) of the Social Security Act. After a favorable decision has been rendered, the decision is sent to a payment processing center to calculate payment amounts. Processing times vary, and could run anywhere from 30 to 90 days from the date of the decision.

Claims for Social Security Disability (SSD) under Title II are paid out of the money that you put into the system, from your FICA taxed wages. So, the more you pay into the program over the years, the more you can collect, though the formula used to calculate the benefit amounts is weighted with bend points to minimize windfalls upon the wealthy, and ensure that a minimum standard of living is met. Each three-month calendar quarter you engage in substantial gainful activity (SGA) buys a credit of coverage. (For non-blind individuals, SGA is currently set at $1170 per month, though it will increase to $1180 per month in 2018). To collect SSD, a claimant must have worked enough months to be covered (20 out of 40 quarters), and show an onset date of disability before the insured status expires. Retroactive payments for SSD can be made up to one year before the date of filing.

Applicants who do not have enough quarters of coverage for SSD may qualify for Supplemental Security Income (SSI) under Title XVI. SSI pays out of the general tax revenue fund, but applicants must also meet the household requirements of poverty for the state in which they reside. Each state may have differing guidelines for resources, considering countable spend-down such as food stamps, assisted living, etc., though the Programs Operations Manual System offers broad guidelines to the field offices.

In 2018, Social Security will administer a 2.0 percent cost-of-living adjustment (COLA) that will increase payments to more than 61 million beneficiaries. The purpose of the COLA is to ensure that purchasing power of benefits is not eroded by inflation.

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Contact us online or call our offices directly at 888-351-0427 for a free case evaluation. All cases are taken on contingency, meaning there are no fees until we recover benefits for you.

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In Minnesota, we handle Social Security Disability Insurance (SSDI) claims. Throughout the nation, we handle SSDI applications and appeals for people from Ohio to Kansas, North Dakota to Texas and everywhere in between.


Midwest Disability, P.A.
408 Northdale Boulevard Northwest
Coon Rapids, MN 55448

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