What is Social Security Disability Insurance (SSDI)?
Social Security Disability Insurance (SSDI)
Summary: SSDI is a federal income assistance program managed by the Social Security Administration (SSA). SSDI is available for people who have become seriously disabled and can no longer hold a job to earn income.
More About SSDI
Social Security Disability Insurance (SSDI) provides an income safety net for people between the ages of 18 and 65 who have been unable to work for 12 months or longer because of a long-term, severe medical condition. This is a federal program administered by the Social Security Administration (SSA).
SSA reviews your medical condition and work history to determine eligibility. To qualify:
- You must have worked long enough to have paid into the Social Security system through FICA taxes
- You worked a total of five years within the last 10 years
- You have been unable to engage in “substantial gainful activity” for 12 months or longer
- You have a long-term medical condition that meets SSA’s definition of “disability.”
Cash BenefitsBenefits are calculated from how much you earned throughout your working years. It is the same formula used to calculate Social Security retirement benefits.
You must wait five full calendar months in a row after your approval date before you receive your first monthly check.
SSA also compensates you for the time it took to approve your application. This one-time lump sum payment represents the months you were entitled to benefits from the date SSA determined you became disabled.
Health Insurance Benefits
SSDI recipients are eligible for Medicare 24 months after their approval date for SSDI benefits.
Contact Freedom Disability for a Free Evaluation
If you think you qualify for Social Security Disability Insurance benefits, contact us online for a free evaluation.
Or call (866) 761-5942.