Because approval can take many months, the SSA generally pays you for that waiting time once you win. The amount depends on your disability onset date and your application date.
SSDI is based on your earnings record, so amounts vary widely. In 2026 the maximum SSDI benefit is $4,152 a month, though most people receive less. SSI is capped at the federal benefit rate, $994 a month for an individual in 2026, and can be reduced by other income.
This is the part people worry about most, and the answer is reassuring. A disability representative is paid on contingency under rules set by the SSA. They charge nothing up front, and a fee only if you win. That fee is capped at 25% of your past due benefits, up to a maximum of $9,200 in 2026, whichever is lower, and it comes out of your back pay, not your ongoing monthly checks.
With SecureClaim Pro, the math is simple. No money up front, and you pay nothing unless you win. Most claimants pay less than the $9,200 cap, because 25% of back pay is usually the smaller number.
| Figure | Amount |
|---|---|
| Maximum SSDI benefit | $4,152 / month |
| SSI federal benefit rate, individual | $994 / month |
| SSDI waiting period | 5 months |
| SSDI retroactive limit | Up to 12 months |
| Representative fee cap | 25% or $9,200 |
Important. Educational guidance only. Whether you qualify is decided by the Social Security Administration, not by SecureClaim. We help you understand and prepare.
Start free with Lite, or let us represent you for no cost unless you win.