SSDI Benefits
What Is Social Security Disability Insurance?
Social Security Disability Insurance (SSDI) is a federal program that provides monthly income to workers who have paid Social Security taxes and are now unable to work due to a severe, long-term disability. SSDI is not welfare — it is an insurance benefit you earned through years of work.
To qualify for SSDI, you must meet two main criteria: you must have a qualifying disability that prevents you from engaging in substantial gainful activity, and you must have earned enough work credits through your employment history. The amount of your monthly benefit is based on your average lifetime earnings.
SSDI Eligibility Requirements
- You have a physical or mental impairment expected to last 12+ months or result in death
- Your condition prevents you from performing substantial gainful activity
- You have earned sufficient work credits (typically 40 credits, 20 in the last 10 years)
- You are under full retirement age
SSDI Benefits Include
- Monthly disability payments based on your earnings record
- Medicare coverage after 24 months of receiving SSDI
- Back pay for months you were disabled before approval
- Potential benefits for eligible family members
