Doesn’t Social Security Cover Disability?

Qualifying for social security disability, also known as, SSDI,  can be rigorous. Consequently, nearly two-thirds of all applicants are turned down for coverage. If you are approved for SSDI,  your benefit will be based on what you’ve paid into the system over the course of your work history. In 2013, according to SSA, the average monthly benefit was $1,130 per month. Your disability policy provides a benefit on top of your social security benefit to get your income back to the 60% mark.