Social Security disability benefits essentially provide a safety net for Americans who are unable to earn a living wage. However, this government program may not necessarily cover 100% of your living expenses. If you can no longer perform your job duties because of a physical or mental disability, reviewing the available benefits—and eligibility requirements—will help you decide whether submitting an application is worth it. 

What Do Social Security Disability Benefits Cover?

1. Living Expenses 

Social Security disability benefits include monthly payments, which should cover a reasonable portion of the recipient’s living expenses. The total amount of each payment depends on several factors, including the applicant’s age, work history, projected date of retirement, and income prior to leaving the workforce. 

2. Medical Care

Recipients are eligible for Medicare coverage after receiving benefits for two years. However, there are exceptions to this waiting period for those who require extensive care. For example, if you need kidney dialysis, you may be entitled to Medicare benefits immediately upon being approved for disability. 

3. Other Financial Needs 

In certain scenarios, the family members of recipients are also eligible for benefits. For example, children may be entitled to financial assistance for completing high school. They may also qualify for health insurance coverage under Medicaid or the Children’s Health Insurance Program. 

If you need help applying for Social Security disability benefits, turn to Woodlawn Law Offices. Based in O’Fallon, MO, and led by a compassionate lawyer who has more than 25 years of experience, this general practice law firm handles all kinds of complicated legal disputes. In addition to Social Security disability, their areas of expertise include workers’ compensation, real estate transactions, divorce, traffic law, and premises liability. Visit their website to learn more about Attorney David Schmidt and his seasoned team, or call (636) 240-6667 to schedule an initial consultation.