Are you receiving Social Security disability payments? If so, there are a few things you need to know to make sure you’re getting the most out of your payments. Many times, people who start receiving payments of this type are not quite sure how to maximize their new source of income. If you are one of the many Americans who rely on Social Security Disability Insurance, then the following advice should help. These are just a few steps you can take to ensure you get what you need.

First, and perhaps most importantly, be sure to speak with a representative at your local Social Security office before submitting your application. The reason for this is that many times these applications can be quite complicated and full of legal jargon. This being the case, it is often difficult for the untrained person to understand the intricacies of the application process. Plus, a representative will be able to make sure she gets the full amount she qualifies for. The last thing you want is to apply only to end up receiving less than the amount you are owed. Finally, a knowledgeable representative will be able to explain some of the additional features of the Social Security Disability Insurance program that she may not have known about otherwise.

Second, you’ll want to make sure you’re well prepared to spend your disability payments wisely. Social Security Disability Insurance is intended to help defray some of the costs of medical care and will not always be enough to replace your normal income. Therefore, it is important to have a financial plan so that the benefits you receive meet your particular needs. One way to accomplish this is simply by stopping at your local bank. Many banks offer complementary financial reviews for their clients with authorized financial advisers. Having a professional assess your financial situation will go a long way in ensuring that you have a solid understanding of how best to appropriate the payments you receive.

Applying for Social Security Disability can be a daunting task, but it doesn’t have to be. While it can be hard to know precisely what steps to take to make sure your money is working for you the way you need it to, there are ways to get the information you need. Naturally, everyone who uses this safety net wants to get back the money they have earned through their hard work and paid into the program. By following these two simple steps, you can be well on your way to making sure you’re covered in your time of need.