The term “social security” refers to any government program that provides low-income Americans with financial assistance. As its name suggests, Social Security Disability Insurance (SSDI or, often, simply “SSD”) is a type of social security that many people in the United States count on when they become disabled or are unable to work. Unfortunately, like the majority of government programs available, obtaining SSDI can be a tiring process because applicants are frequently denied the first time around. That is why it can be in your best interests to team up with a lawyer who is well-versed in the SSDI application process.
How Much Can SSDI Help?
The amount of benefits you can collect from SSDI depends on how much you earned as a worker. In other words, what you receive from social security should correlate with the income you are accustomed to receiving from work. As an added bonus, you, your spouse, and any dependent children you have can gain healthcare benefits through Medicare after two years of receiving SSDI benefits.
Do I Qualify for SSDI?
To determine whether you are eligible for SSDI, the Social Security Administration (SSA) reviews your age, work history, and ability to continue working. Essentially, they are trying to figure out three key things:
- Whether you have reached "retirement age" (those who have reached retirement age are not eligible for SSDI; depending on what year you were born, your retirement age could be anywhere between 65-67 years old)
- Whether you have contributed enough to the workforce and, therefore, have paid enough into the Social Security trust fund to have earned disability benefits
- Whether you truly are disabled and in need of SSDI