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Social Security Disability Insurance

What Is Social Security Disability?

Social security disability insurance (SSDI) is a type of insurance that is intended to provide financial support to individuals who are unable to work because of a disability. SSDI benefits help people who have long-term disabilities. Short-term disabilities are covered by other types of insurance including short-term disability and workers’ compensation.

Qualifying For SSDI

It is important to understand that social security disability insurance benefits are only available to people who have worked in the past. Workers have deductions taken from their paychecks in order to pay for this insurance coverage. The federal government requires that employees work a certain number of hours per year in order to receive credits that go toward SSDI benefit eligibility.

People who are under the age of 28 must have worked at least one and a half years before requesting SSDI benefits. The minimum number of years worked requirement increases with the age of the disabled person. For example, a person who is 42 must have worked at least five years in order to qualify for SSDI benefits.

Work completed by individuals who are applying for SSDI benefits must also be recent. The general rule is that a person must have worked at least five out of the previous 10 years. However, people who suffered from a permanent disability at a young age may be exempt from this rule.

Spouses and dependent children may also be eligible for disability benefits if the main income earner in the household becomes disabled. Spouses may be eligible if they are over the age of 62 or are considered to be the primary caretaker for a minor child.

The most important eligibility requirement for SSDI benefits is the medical requirement. A person who is disabled and cannot work needs to prove that they suffer from a disability. This means that the Social Security Administration will request official records of the date the disability was diagnosed and any treatment that a person is receiving for the disability. A licensed medical professional will have to provide this information.

Differences Between SSDI and SSI

SSDI requires that an individual work a minimum number of years in order to be eligible for benefits. Supplemental security income (SSI) benefits are paid to people who have a household income that falls under a certain threshold. These individuals do not have to have worked in the past, and some people who do not qualify for SSDI benefits because they have not earned enough work credits are able to receive SSI benefits to help pay for basic necessities.

People who apply for SSI benefits cannot have more than $2,000 in assets. Eligibility for SSI benefits often indicates that a person is eligible for Medicaid, food stamps and other types of need-based assistance.

Getting Help With an Application or Appeal

Understanding the complicated process of determining eligibility for SSDI benefits and filling out the application is difficult for people who do not have legal training. Applying for SSDI benefits is a long process that can result in a rejection if paperwork is not filled out correctly or filed in a timely manner. I have ten years of experience in social security cases and can assist in making the process much less stressful than going it alone. I also provide free consultations to let clients know more about how their case will be handled. Contact me today to get started on your case.