Query: will Social Security disability cover you if become disabled? If you end up totally and permanently disabled, unable to earn money and facing a raft of medical bills, you’re going to need some help. And Social Security disability benefits, at an average of $1,070 a month, aren’t going to cover it. That’s why most experts recommend that workers — especially younger workers who have decades of expected earnings ahead of them — nail down some disability coverage, despite the very slim chances that they will need it. See full story here: