Understanding SSDI Benefits for Alabama Residents

1. Monthly Disability Payments

If approved for SSDI, you’ll receive monthly cash benefits based on your past earnings and work history. The SSA uses your average lifetime earnings to calculate your benefit amount, not the severity of your disability or your current income.

2. Medicare Eligibility

After 24 months of receiving SSDI, Alabama residents automatically become eligible for Medicare, regardless of age. This includes:

• Medicare Part A (Hospital Insurance)
• Medicare Part B (Medical Insurance)
• Optional Part D (Prescription Drug Coverage)

3. Dependent Benefits

Your spouse and children may also qualify for auxiliary benefits, receiving up to 50% of your SSDI amount in some cases.

4. Cost-of-Living Adjustments (COLA)

SSDI payments are adjusted annually for inflation through COLA, helping Alabama residents keep up with rising living costs.

5. Other State Assistance Programs

While SSDI is a federal program, Alabama residents may also qualify for state assistance programs, such as Medicaid, SNAP (food stamps), or other disability-related resources, depending on income and assets.