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).
The Champion Mastery system gives players rewards for gaining experience with Champions. At the end of each match, the game will award you points based on how well you and your team performed. Once you earn enough points, your champion will hit a new Mastery level. Each of the five levels comes with different cosmetic rewards. For example, your character will get a new title every time they level up. The title depends on their main role: When you hit level 4 and 5, you'll also get a few other perks. These include a custom emote, a loading screen badge and an announcement banner.