Depending on how you wish to behave on a moral level a yearly payment might limit the expenditure of the program. For example a friend of mine applied for and e

Depending on how you wish to behave on a moral level a yearly payment might limit the expenditure of the program. For example a friend of mine applied for and eventually was accepted into the SSDI program. He was disabled due to the fact that he was addicted to xanax and heroin. You have to wait a decent period of time (6 months?) before the benefits kick in, at the end of that period you receive a lump sum for the period of time that you waited. Well my friend took his new found riches, ran to his dealer, and promptly overdosed. I'd argue the cost savings are a net negative in that case but something to consider.