December 10

7 Things To Know About Your Social Security Disability Award

Brian Therrien here with seven things you should know about your social security disability award letter, even if you’ve already been approved and spent months or years, I expect there’s information in here that you will find helpful. So here we go. First thing is, you want to know what an award letter looks like, and you can find this in your online account. This is the one that was actually sent via mail. And if you’d look in the top left-hand corner, you’ll see under the bold retirement, word retirement, it says notice of award that’s what the common award letter will have in it.

The next thing that you want to look for is when your benefits start, and there are two dates in here and they have been massively confusing for people. So, I’m in hopes that I can sort this out. With social security, your entitlement date is one of the keywords that you want to look for.

The sentence that says, you are entitled to, this is the month that your disability benefits will start, that you will actually get payment. And this is September of 2019 social security found that this individual was disabled on March 24th, which is five months before September. And the reason why it’s five months before his social security has what they refer to as an elimination period. Once you are found disabled, you’ll get payment five months after your onset date or date of disability, which is March 24th year. So that’s September.

The second key thing about the September date is for Medicare. Medicare eligibility starts 24 months from the date that you are entitled to benefits. So, the date that you are first paid, or the month that you were first paid, it’s not the date that you were found disabled. It’s not from the time that you’re approved it’s from the entitlement date.

So, in this individual, the award would be 24 months from September of 2019, which would be September of 2021 is when Medicare would become effective. So, the notice of award understands the difference between the two dates that you have. One other thing is for children under 18, you may receive a separate award letter for them or you may have reference to them in this award letter, but if you have children under 18, make sure that you received documentation, that they are paid, and if they’re not paid, then contact social security and get them enrolled so that you can get payment for them. And there’s a separate video on our YouTube channel, or ask us about it, about how much they get paid and what you need to do to take care of that.

I’m going to go back to Medicare. This is I’m going to start with some of the common problems that people see in their Medicare award. There is a payment summary page. This is an example of one, and you want to pay close attention to this. One of the things that are not in here because they did this one, right, is the deduction of Medicare part B premium. Medicare part B premium is $148 and 50 cents. Your part A is free. Your part B you pay for. And what we have seen happen is somebody gets approved for example, in September of whatever year, but they have been billed for 4, 5, 7 months of Medicare premiums for prior months that they weren’t approved for. So that could be six months, seven months, times $148. So, make 100% certain that at the time of your approval, if you are Medicare-eligible, that they deduct the correct amount, ideally the $148.50 should be taken out the month that you are entitled to yours, the first month that you can actually are entitled and can enroll in your Medicare part B premium.

So that’s one, For back benefits. They don’t always get this right in the calculation. So don’t presume that they do. So, for example, I’m going to go back to, this individual here, if the entitlement date is September, right, and it’s 12 months past September. it’s September of 2020 when you receive this award letter, which means that you have a full 12 months of back benefits that you’re entitled to. If your check for example is $2,000, that would be 12 months, times, $2,000, and doing math on the fly here. I hope I get it right, but it should be $24,000. So, you should be looking at $24,000. So, from the date of entitlement, make sure that you calculate based on your check amount and the months that you are owed.

We had a member here, Mr. Huxley, they missed it. $8,000 of his back pay. They just got it wrong. They didn’t get the months right and so he was, you know, he caught it and he got his money back. So, make sure that you get that correct. Also, some of the things that you want to be aware of are they will set money aside for your disability representative and the cap of the fee, the social security fee is $6,000, but I’ve seen where they’ve set aside more than $6,000, 10- $12,000 has been set aside. And if the maximum that can possibly be paid is six, why are they holding back other money? Make sure you look at the difference there and get that back. The representative fee, as I mentioned is 25% of whatever back benefits are recovered. It’s capped at $6,000. It’s going to be the same for everybody because it’s a standard fee that is put in place by social security. There isn’t any deviation there.

One other key thing that you want to be aware of is the rules that are in your disability award occur. I encourage people not to just have the set it and forget it. I’m approved. I can do whatever I want, and you can, but it’s awful expensive. Understand what you need to do to keep your benefits. We provide a lot of information here at the disability digest, how to do that. Understand if you go back to work, what your responsibilities are, even if you’re working, part-time, um, understand when your social security disability review will be. It could be even, I’ve seen them as low as six months now, 12 months and then two years, three years, five years, but just understand when you could potentially be reviewed, at the time of this recording right now, the social security reviews are at an all-time high.

It’s important if you want to keep your benefits and stay and what they call pay status and get your check every month that you follow the rules. So, the award that you have. So those are the top seven things that I see in all of the questions that I’ve been asked in the award reviews that we’ve done individually with people here at the disability digest. One of the complimentary services that we provide to our members is we do a free benefit review. If you have an award letter and you want to have us review it with you, we’ll do that, help you understand these key things, in what you need to do. Uh, in addition to that at the disability digest, we provide these, general topics and videos that you can enjoy. But if you want some specific information that is relative to your needs, then we encourage you.

If you’re a member to reach out to us, certainly, and if you’re not a member, join us. And the reason for that is general information is I hope you find value in it, but there are so many variables in everybody’s situation, your age, the condition that you have, where you live, your income status, even your marital status, and how that is going to impact our ability to help you get approved, keep your benefits and maximize your benefits. And it’s just not possible to get all of that information, you know, that you need from a customized basis two years. So, we encourage you to reach out. And again, the membership here is free we are like a radio or a TV station where we have ads and sponsors and services that we provide you, that don’t cost you anything. And allow us to do this work for you to help you get, keep and maximize your disability benefits. I hope you found this helpful and understand your disability award, stay tuned for more, make it a great day.


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