As unfortunate as it may be, the short answer to this question is “No.” Once you are approved for Social Security Disability benefits, the amount you receive is set based on your previous work history and earnings. While your condition may worsen over time, Social Security does not increase your benefit based on the severity of your disability. Unlike other disability programs, the Social Security Administration (SSA) does not assign percentages to disability, such as 50% or 70%. You’re either considered “disabled” under their rules or not.
Why Doesn’t Social Security Pay More for Increased Disability?
The Social Security Disability Insurance (SSDI) program is designed to provide a financial safety net for individuals who can no longer work due to a disabling condition. However, SSDI benefits are not determined by how severe your disability is after approval, but rather by your work history and the amount of Social Security taxes you’ve paid into the system. Your monthly benefit amount is calculated using your lifetime earnings before your disability began.
If your condition worsens, this unfortunately does not change your benefit amount. The SSDI program is designed to assess whether you can engage in substantial gainful activity, and once that determination is made, the benefits remain constant. The SSA does not re-evaluate the degree of your disability once you are approved unless they conduct a Continuing Disability Review (CDR) to assess whether you are still eligible for benefits.
What Can You Do If Your Condition Worsens?
Even though your SSDI benefits won’t increase if your health deteriorates, you still have options. If your worsening condition creates new medical expenses or requires additional care, you might be eligible for other types of support. For instance:
- Medicare or Medicaid: After 24 months of SSDI eligibility, you can qualify for Medicare. Medicaid might also be an option depending on your income and state laws.
- Supplemental Security Income (SSI): If your SSDI payments are low and you have limited assets, you could qualify for SSI, which is a needs-based program that may provide additional financial support.
- Long-Term Disability Insurance: If you had private long-term disability insurance through your employer or purchased it individually, your policy may offer additional payments based on the severity of your condition. However, these policies differ greatly, so review your coverage or speak with a lawyer to understand your options.
Need Help With Your Social Security Disability Claim?
Navigating Social Security Disability benefits can be complex, especially when your condition changes over time. If you’re wondering what other options are available or need help with a Social Security Disability claim in Colorado, I can help. As an experienced disability attorney, I can guide you through the process and explore other financial assistance options that may be available to you.
Call me, William Viner, Esq., at Viner Disability Law at 720-515-9012 or visit denversocialsecuritydisability.com/ to schedule a free consultation. Together, we can ensure that you’re getting the most out of the benefits you’ve earned.
10/18/24