1. Monthly Cash Benefits

The primary benefit of SSDI is a monthly cash payment based on your prior earnings:

• The amount depends on your lifetime average earnings covered by Social Security.
• These payments help replace income lost due to your inability to work.

2. Medicare Health Coverage

After receiving SSDI benefits for 24 months, you become eligible for Medicare coverage:

• Medicare provides hospital insurance (Part A) and medical insurance (Part B).
• This coverage helps with medical expenses related to your disability.

3. Disability Work Incentives

SSDI offers work incentives that encourage you to try returning to work without immediately losing benefits:

• Programs like Trial Work Period (TWP) allow you to test your ability to work for at least 9 months while still receiving full benefits.
• If your earnings remain below the Substantial Gainful Activity (SGA) level after the trial, you keep your benefits.

4. Family Benefits

Certain family members may also qualify for benefits based on your SSDI record, including:

• Spouses aged 62 or older
• Children under 18, or up to 19 if still in high school
• Disabled adult children