What is SSDI or Social Security Disability Insurance?

Social Security Disability Insurance (SSDI) is a disability insurance program that provides benefits to those who are unable to work due to a medical condition and who have paid into the Social Security system. It was created as part of the 1935 Social Security Act, and currently does not require any contributions from those receiving it.  You can consult with Pekas Smith: Arizona Disability Attorneys to know more about SSDI and its terms and conditions.

It was originally designed to reduce the number of elderly individuals who were destitute and unable to pay for their own care. SSDI provides income to those who can’t work due to a disability and it pays monthly benefits that are structured according to an individual’s earnings and the severity of their illness.

However, in order to qualify for the program, an applicant must have been disabled for at least 12 months and must have worked 20 years as a wage earner. Moreover, the applicant’s condition must be severe enough that the applicant cannot engage in any substantial gainful activity.

Who are Eligible for Social Security Disability Insurance?

There are certain criterias to be eligible for Social Security Disability Insurance or SSDI. And they are:

You are unable to work due to a medical condition that last atleast up to an year or results in death

There are a variety of medical conditions that can qualify someone for Social Security Disability Insurance. In order to be eligible for SSDI, the person must have a medical condition that makes it impossible to work and is expected to last up to one year or result in death.

Your disability should not be partial or short-term

Social Security Disability Insurance (SSDI) is a federally mandated program that provides monthly cash benefits to severely disabled individuals who are no longer able to work. SSDI is funded through Social Security taxes, and eligibility for this program is determined by the Social Security Administration. However, not all disabilities qualify for this program. You will not be eligible if your disability is partial or short-term.

You should meet SSA’s definition of disability

In order to be eligible for Social Security Disability Insurance, you must meet SSA’s definition of disability. The definition of disability includes an individual who is unable to engage in any substantial gainful activity by reason of a medically determinable physical or mental impairment that has lasted or is expected to last at least 12 months or result in death.

You should be younger than your full retirement age

If you want to apply for Social Security Disability Insurance, the first step is to establish if you meet the age requirement. In order to be eligible for SSDI, you have to be younger than your full retirement age which is 66 for people born from 1943-1954. This means that adults who are older than 62 will need a Plan 2 retirement benefit in order to receive a monthly payment.

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