In addition to getting payments going back to your application date, you can get up to 12 months of retroactive payments for the year prior to your application date (or your protective filing date, discussed below) -- if you were disabled that long ago.
Characters will receive one specialization point at level 7 and another at level 14. Specialization points can be saved for later levels or used mid-level (the Level Up button on the stats sheet will be active if there are unspent specialization points).
Each time that the character increases in level, they receive an additional skill point. The first skill point is gained at level 5, and must be used to acquire the Action Skill for that character's class. Subsequent skill points may be invested in a number of different skills that unlock as the character progresses.