Eligibility
Pre-Settlement Funding and Social Security Disability
• 2 min read
SSDI and SSI recipients can take pre-settlement funding without affecting benefits — usually.
SSDI benefits aren't means-tested and aren't affected by pre-settlement funding. You can take an advance without affecting your monthly disability check.
SSI is means-tested. Lump-sum pre-settlement funding could affect SSI eligibility in some circumstances. Talk to your attorney before applying if you're on SSI.
Once your underlying case settles, both SSDI and SSI recipients may need to coordinate with their benefits administrator to avoid overpayment issues.
AARC works with attorneys to structure funding in ways that minimize benefit-coordination risk.
Call (800) 297-3834 to discuss your specific situation if you're receiving disability benefits.
We'll always tell you directly if funding might affect your benefits in your situation.
Frequently asked questions
- What do I need to apply?
- An active personal injury claim, an attorney representing you on contingency, and your attorney's contact information. That is it.
- Is a pre-settlement cash advance a loan?
- No. It is non-recourse funding tied to your personal injury claim. There are no monthly payments, and if your case does not recover, you owe nothing.
- Do I need good credit or a job to qualify?
- No. AARC does not run a credit check and does not require employment or income verification. Approval is based on the strength of your claim and your attorney's representation.
- How fast can I get funded?
- Most approved applicants receive funds in as little as 24 hours once AARC has the case documents from your attorney.
- How much does it cost?
- AARC uses a flat fee rather than compounding monthly interest. Typical advances are $500, $750, or $1,000, and the illustrative payoff at settlement is 2x the advance amount.
About the author
Written by the funding team at AARC — Accident Advance & Resource Center. AARC underwrites pre-settlement cash advances for personal injury claimants and works directly with plaintiff attorneys across 45 states. Our team reviews case documentation daily and writes from that firsthand experience.
This article is general information, not legal or financial advice. Always confirm details with your attorney. Contact AARC or call (800) 297-3834 with questions about your specific case.
