Social Security Disability Insurance SSDI is a social insurance program under which workers earn coverage for benefits, by working and paying Social Security taxes on their earnings. The program provides benefits to disabled workers and to their dependents. For those who can no longer work due to a disability, our disability program is there to replace some of their lost income. Eligibility rules for Social Security's disability program differ from those of private plans or other government agencies. Social Security doesn't provide temporary or partial disability benefits, like workers' compensation or veterans' benefits do.
What Are the Maximum Social Security Disability Benefits?
How To Apply For Social Security Disability Benefits
Generally, you need 40 credits, 20 of which were earned in the last 10 years, ending with the year you became disabled. These two names sound similar, but the qualifications to get the payments and what you might receive are very different. While there are some conditions the Social Security Administration SSA considers so severe they automatically render an applicant disabled, many conditions require careful screening, including answering these five questions:. In addition, qualifying conditions must be expected to last at least one year or result in death. Many people believe you have to be disabled for a certain period of time before you can apply for Social Security disability benefits.
Benefits and Insurance for People with Disabilities
To qualify for Social Security disability benefits, you must first have worked in jobs covered by Social Security. Then you must have a medical condition that meets Social Security's definition of disability. In general, we pay monthly benefits to people who are unable to work for a year or more because of a disability.