Social Security Disability Insurance (SSDI) is a program for workers with a physical or mental condition that qualifies as a disability who have paid into the Social Security system through payroll taxes. You are required to have a certain number of work credits based on your age. Once you meet the contributions criteria, you are considered “insured” for SSDI, but still need to prove that you meet the definition of “disabled”.
What do I need to qualify for SSDI?
- You must have a documented medical condition that prevents you from working at your current job or any other job for at least one year.
- You must have earned enough work credits through Social Security taxes. Most applicants need 40 credits, with at least 20 earned in the last 10 years. Younger workers may qualify with fewer credits, depending on their age at onset.
- You cannot earn above the Social Security Administration’s substantial gainful activity limit.
- You must be under your full Social Security retirement age, which is 67 for anyone born in 1960 or later.
SSDI Benefits for Families and Survivors
Disabled widows and widowers, surviving spouses, dependents, and adult children whose disability began before age 22 may all qualify for benefits through a family member’s Social Security record.
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”I was able to win my SSDI case in 5 months due to cancer. We've been struggling to make ends meet due to the high medical costs when I was working, but we wouldn't be able to pay our bills if I didn't win this case. I am very grateful to the paralegal, Allison, who worked very hard with the attorney to get this settled quickly!
Tom & Family
Common Questions
Most people applying for SSDI have never navigated the system before. These questions can help you understand what to expect.
What does it mean to be “insured”?
While you are working, paying the FICA Social Security tax, and earning work credits, you are “insured” for benefits through Social Security if you become disabled. Depending on how long you’ve paid into the Social Security system, your disability insurance coverage can be extended for up to five years even after you stop working.
How much will I receive in Social Security benefits?
SSDI benefit payments are calculated based on your income and how much you paid in FICA Social Security taxes. You can access your SSDI payment amount by creating an account on Social Security’s website at ssa.gov or using the Social Security quick calculator to see a benefit estimate.
When can I start receiving SSDI benefits?
You are required to wait five months after your disability begins before you can start receiving payments. Additionally, you can only receive SSDI payments going back a year before you file an application. Therefore, it is important that you don’t wait too long to file for SSDI benefits, or you might lose out on monthly payments.
What happens when I reach retirement age?
When you reach full retirement age, currently 67 for anyone born in 1960 or later, your SSDI benefits automatically convert to Social Security retirement benefits. Your monthly payment amount will remain the same.
