What is SSDI or SSI?

Social Security Disability Insurance is a tax-funded, federal insurance program, designed to provide income to people unable to work because of a disability until their condition improves and guarantees income if they remain unable to work. This is not a welfare program, it is more closely related to an auto or health insurance program, where those who pay in receive the benefits. Social Security Disability Insurance (SSDI) is also frequently referred to as “DIB” (Disability Insurance Benefits), and “Title II” or “Title 2” benefits (named for the chapter title of the governing section of Social Security Act).

Supplemental Security Income is generally reserved as a type of welfare benefit for those who have not worked during their lives or those who have not worked for a cumulative 5 out of the last 10 years. Your benefits start from the date of your social security application. In calculating your SSI benefits, Social Security generally considers all of the combined income of every member in your household. We can assist you in your new SSI application

How do you qualify for SSDI?

According to the Social Security Administration (SSA), you can qualify for Social Security Disability Insurance (SSDI) if you have a physical or mental condition that keeps you from engaging in any ‘substantial gainful work’. It must last at least 12 months or be expected to result in death. You also must be under the age of 65 and have worked 5 out of the last 10 years. Your disabilities need to be proven by medical evidence. Regular doctor visits can help your chances of winning a benefit. They must also meet a strict SSA medical listing for their condition.

What are the benefits of SSDI over Long Term Disability Insurance?

Increased Monthly Income: Social Security provides a regular monthly payment that supplements any current disability benefits already received. It also provides annual cost of living increases. A portion of these benefits may be tax free.

• Medical Benefits: Regardless of a person’s age, after receiving SSDI benefits for 24 months, they are eligible for Medicare, including Part A (hospital benefits) and Part B (medical benefits).
• Prescription Drug Coverage: Once a person is entitled to Medicare, they are also eligible for Medicare Part D, the new prescription drug plan.
• COBRA Extension: If a person receives Social Security disability benefits, any COBRA benefits may also be extended from 18 to 29 months.
• Protected Retirement Benefits: Social Security disability entitlement “freezes” Social Security earnings records during a person’s period of disability. Because those years will not be counted when computing future benefits, their Social Security retirement benefits will be higher.
• Dependent Benefits: If a person receives Social Security disability benefits and they have a dependent under age 18, he or she may also be eligible for benefits.
• Return-to-Work Incentives: Social Security will provide a person opportunities to return to work while still paying them disability benefits.