Overview of Disability Checks: What Are They and Who Qualifies?
Disability checks, also known as Social Security Disability Insurance (SSDI) benefits, provide financial assistance to individuals who are unable to work due to a disability. To qualify for disability checks, individuals must have worked for a certain number of years and paid into the Social Security system.
In addition to meeting the work requirements, individuals must have a medical condition that meets the Social Security Administration’s definition of disability. This means that the condition must be severe enough to prevent the individual from engaging in any substantial gainful activity and is expected to last for at least 12 months or result in death.
Once an individual is approved for disability benefits, they will receive a monthly payment based on their earnings record. The amount of the payment can vary depending on factors such as the individual’s work history and the length of time they have been disabled.
2023 Disability Check Deposit Schedule: Dates and Frequency
The Social Security Administration has a set schedule for when disability checks are deposited each month. In 2023, the deposit schedule is as follows:
- If you were born on the 1st through the 10th of the month, your disability check will be deposited on the second Wednesday of each month.
- If you were born on the 11th through the 20th of the month, your disability check will be deposited on the third Wednesday of each month.
- If you were born on the 21st through the 31st of the month, your disability check will be deposited on the fourth Wednesday of each month.
It’s important to note that if the scheduled deposit date falls on a federal holiday or weekend, the payment will be deposited on the business day prior to the scheduled date.
Individuals can also choose to receive their disability payments via Direct Express debit card or paper check, but the payment schedule may differ from the electronic deposit schedule.
How to Check the Status of Your Disability Check Deposit
If you’re expecting a disability check to be deposited into your account, there are a few ways to check the status of the payment.
One option is to set up an account with the Social Security Administration’s online portal, mySocialSecurity. Through this portal, you can check your payment history, see upcoming payments, and update your personal information.
Another way to check the status of your disability check is to call the Social Security Administration’s toll-free number at 1-800-772-1213. Representatives are available Monday through Friday from 7 a.m. to 7 p.m. local time.
It’s important to note that the Social Security Administration may require additional information or documentation to process your disability check, which could delay the payment. If you have any questions or concerns about your disability benefits, it’s recommended to contact the Social Security Administration directly.
Tips for Managing Your Finances with Disability Checks
Managing finances can be challenging, especially if you’re living on a fixed income. Here are some tips to help you make the most of your disability checks:
Create a budget: Determine your monthly expenses and income, and create a budget to ensure you’re living within your means.
Prioritize bills: Make sure you’re paying your bills on time and prioritizing essential expenses like rent, utilities, and food.
Look for ways to save: Consider ways to cut back on expenses, such as using coupons, shopping sales, or buying generic brands.
Consider supplemental income: If possible, look for ways to supplement your income, such as taking on part-time work or freelance jobs.
Get financial help: There are a variety of resources available to help individuals on a fixed income, such as food assistance programs, energy assistance programs, and rental assistance programs.
By taking steps to manage your finances, you can help ensure that your disability checks are used effectively and efficiently to meet your needs.
Changes in Disability Benefits for 2023: What You Need to Know
There are some changes to disability benefits that will go into effect in 2023. Here are some important updates:
Cost of living adjustment (COLA): Social Security recipients will receive a COLA increase of 4.4% in 2023, which will apply to disability checks as well.
Trial work period: The trial work period allows individuals receiving disability benefits to test their ability to work without losing their benefits. In 2023, the trial work period limit will increase to $960 per month, up from $940 in 2022.
Substantial gainful activity (SGA): The SGA limit will increase to $1,310 per month in 2023, up from $1,310 in 2022.
Ticket to Work: The Ticket to Work program provides individuals receiving disability benefits with resources and support to help them return to work. In 2023, the earnings threshold for the program will increase to $940 per month, up from $940 in 2022.
Expedited reinstatement: Individuals who have previously received disability benefits but have returned to work and lost their benefits may be eligible for expedited reinstatement of their benefits. In 2023, the earnings threshold for expedited reinstatement will increase to $960 per month, up from $940 in 2022.
It’s important to stay informed of changes to disability benefits to ensure you’re receiving the appropriate amount of support and taking advantage of available resources.