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Social Security Disability Recipients See Benefits Increase In New Year, But May Not in 2010
Date:1/23/2009

abled workers is $1,064 in 2009, which compares with the average benefit of $1,004 in 2008. With the COLA increase, the estimated average benefit for a disabled worker, with spouse and one or more children is $1,793.³

"The increase for 2009 reflects the value of seeking SSDI for people who cannot work any longer because of a long-term disability," Mr. Allsup added. "But there are additional reasons to consider applying for disability benefits."

SSDI is a federally mandated insurance program overseen by the Social Security Administration (SSA) that provides monthly benefits to individuals who are under full retirement age (age 65 or older) and who can no longer work because of a disability (injury, illness or condition) that is expected to last for 12 months or is terminal. Individuals must have paid FICA taxes to be eligible. More details are provided in the "SSDI Overview" on Allsup.com.

Why People Apply For SSDI
Individuals who have worked for many years and must quit because of an injury, chronic condition or disease should consider the following financial planning aspects of applying for SSDI:

1. Increased monthly income. Social Security provides a regular monthly payment that includes an annual cost-of-living increase. All or a portion of SSDI benefits may be tax-free at the federal level and many states do not tax Social Security disability benefits.

2.

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