What is SSDI? Social Security Disability Insurance
SSDI stands for Social Security Disability Insurance. SSDI is a provided by the United States government and SSDI provides income to individuals who are unable to work because of a disability.
Disability Insurance Benefits are what most people
think of when they hear the phrase “Social Security
Disability”. Disability Insurance was designed to provide
disabled workers with income. Disability Insurance is like
any other insurance policy.
In order to be eligible to receive benefits, you pay in
premiums every month by having taxes withheld from your
paycheck. As long as you continue to pay your premium,
you stay insured to receive benefits. Once you stop paying
the premium (in other words, stop working or stop paying
taxes), your coverage will eventually lapse or end.
Generally, your coverage will end within five years
after you stop working. In order to receive Disability
Insurance benefits, you have to prove that you were
disabled prior to the date your insurance lapsed.
You may be asking what it takes to prove that you
are disabled. In order to prove you are disabled, you must
show the following:
1. You have a physical or mental impairment
that can be shown through medical
evidence;
2. You are unable to do ANY sort of work
(NOT JUST PAST WORK) on a fulltime
basis; and
3. You are unable to work for 12 consecutive months or more at a level of substantialgainful activity (Currently earning more than $1,000 / month).
The amount of benefits you will receive each month depends on how long and how much you have paid into Social Security.
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