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).
1 These belts vary in the types of secondary stat combos they have--the combos are set in advance and are not random.  Finally, Normal-mode dungeon gear has the chance to have a tertiary stat, and Heroic-mode dungeon gear has the chance to have a tertiary stat, Extra Socket, and/or be Warforged for a +6 item level boost.