What is Social Security Disability Insurance (SSDI)?

Social Security Disability Insurance (SSDI) provides benefits for those who can no longer work because of a physical impairment or illness; the insurance pays on a monthly basis and expected to last either up to a full year, or for the death of the worker to occur within that year. SSDI is available for those who need it either on a temporary or a permanent basis, depending on the type of injury or impairment sustained. This part of the Social Security system pays out retirement to the older American population and dependent family members, and the benefits are based off of past income from previous job positions. One is not eligible if his or her job was not covered by Social Security.

An important feature to note is that the Social Security Administration (SSA) only offers benefits for those with total disability, unlike many other programs that accept partial or short-term disability. The requirements that the SSA will evaluate include your inability to continue your previous work, your inability to shift over to a new line of work, and/or the possibility of your disability either lasting over one year or resulting in death within the year. In addition, you will only be eligible for your disability benefits after you have been disabled for five full months; even then, it will probably take from six months to a year from the time of your disability, but you will be paid in back-pay for the time you were waiting for approval.

If your household income is over a certain amount, you may be required to pay taxes on your social security disability benefits. To confirm that you are still eligible for the program, the Social Security Administration will conduct continuing disability reviews every one to three years to confirm that you are still disabled and unable to resume work. Because the process is intricate and time-consuming, a great first step is to hire an experienced social security disability attorney to help ease along the process.