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).
Enhancements cost from one to six Action Points. For this reason, you do not lose your action points when leveling up. As of Module 3.3, you can have as many enhancements as you want. Upgrades of the same enhancement replace previous versions. However, you need the previous version of an enhancement to make its highest version available to your character. You receive an action point at ranks 1, 2, 3 and 4, for a total of four action points per level. At the level cap (20), there are no ranks.