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What to Know About SSDI – Social Security Disability Insurance

Consideration was given for the editing and publication of this post.

Anyone who suffers from a medical condition that doesn’t allow them to live a healthy and functional life in the USA is eligible for Social Security Disability Insurance. Obviously, with SSDI come the Social Security Disability benefits, which you’ll have to check and make sure that you are taking advantage of all of them.

When it comes to the previously mentioned benefits, it is recommended that you check with an attorney and see if you are eligible for them.

In the following lines, we’ll be talking about some of the things that you have to know about SSDI, things that will also help you determine whether you are eligible for this program or not.

 

Some People with Disability Benefits Receive SSDI As Well

People with disabilities can receive money from two different sources. Namely, SSDI and SSI, Supplemental Security Income. Even though the two sound similar, they are awarded somewhat differently and can even be obtained at the same time by some people.

It is well known that the vast majority of people who are one Social Security Disability receive SSDI benefits as well.

 

Eligibility is Work-Based

When you apply for SSDI, a large part of the application process is influenced by your current income and by your ability to work. As you may know, to qualify for SSDI you have to earn below a certain amount – substantial gainful activity.

The Social Security Administration will also take a look at how fit or unfit for work you are. If you cannot work a job due to your disability, then you will likely qualify for disability benefits. 

 

Recent Work/Job is Required

Naturally, you can’t apply for SSDI if you haven’t worked at all. If you want to qualify for this program, then you must have contributed to the SSA with a certain amount in taxes beforehand. 

On top of that, you also have to earn a certain number of credits – based on the amount in taxes – over a ten-year period before you become disabled. 

 

Children May Also Receive Benefits

Even though children are not the recipients of SSDI, reports show that around 200,000 people younger than 25 are currently on disability benefits. 

These benefits are given to those children that have qualifying disabilities and parents that do have enough income to engage in SGA. 

 

Spouses Don’t Affect Eligibility

When you apply for SSDI, only the income from your work is taken into consideration. Any income, investment, or interest that has been earned by your spouse is not considered and doesn’t affect your eligibility to apply for SSDI. 

 

The Bottom Line

With the help of SSDI, you can earn up to $3,000 per month, depending on the disability, previous, work, and so on. Moreover, given that external investments and income are not taken into account when applying for SSDI, you can focus on your business. For example, while being sure that you still have a source of income. 

Once again, it is worth mentioning that, when you consider disability benefits, it is highly recommended that you consult with an attorney in order to make sure that you are fully eligible for the program.