Understanding Social Security Disability Insurance
Social Security Disability Insurance (SSDI) is a federal program that provides financial benefits to workers who are disabled and unable to work for at least 12 months. The program is funded by payroll taxes paid by employers and employees.
Who is eligible for SSDI?
To be eligible for SSDI, you must meet the following requirements:
- You must have worked in Social Security-covered employment for at least five of the last ten years.
- You must have a medical condition that prevents you from doing any substantial gainful activity (SGA). SGA is defined as work that pays more than $2,430 per month in 2023.
- Your medical condition is expected to last at least 12 months or result in death.
What are the benefits of SSDI?
SSDI provides monthly benefits to eligible workers. The amount of your benefit is based on your average lifetime earnings. The maximum benefit for 2023 is $3,345 per month.
In addition to monthly benefits, SSDI recipients may also be eligible for Medicare, the government’s health insurance program for people who are 65 or older or who have certain disabilities.
How do I apply for SSDI?
You can apply for SSDI online, by phone, or in person at a Social Security office. The application process can take several months, so it is important to apply as early as possible. You may also want to consider hiring an attorney to help you with your application.
What happens if my SSDI application is denied?
If your SSDI application is denied, you have the right to appeal the decision. You can request reconsideration from the Social Security Administration or file a hearing with an administrative law judge.
For more information about SSDI, please visit the Social Security Administration’s website at https://www.ssa.gov/disability/: https://www.ssa.gov/disability/
This article is for general informational purposes only and is not legal advice. Contact us today to discuss your specific situation.