Seven Facts You Should Know About Social Security’s Disability Insurance Program

Seven Facts You Should Know About Social Security’s Disability Insurance Program

disability insurance program
Our professional advocates have the knowledge and experience necessary to guide you through the application process.

The disability insurance program aims to provide financial assistance to workers that experienced long-term disabling conditions. From injuries to illnesses (both mental and physical) that prevents them from being able to work, thereby limiting their ability to earn income. While on the surface, this may seem simple enough to understand, Social Security Disability Insurance (SSDI) can actually get confusing. Especially once you begin looking into the qualification and application process. Knowing some of the main facts about SSDI will certainly help make it easier to understand how SSDI works.

Facts About the Disability Insurance Program

The following are seven facts about the disability insurance program. These will help give you a better understanding of SSDI in general.

  1. You need work credits to be eligible.

    You earn work credits for the income you earn based on the Social Security tax that you pay. The amount you need to earn to receive a work credit varies from year to year due to inflation. In 2018, you can earn one work credit for every $1,320 in wages; however, you can only earn up to four credits a year. The number of credits required to qualify for SSDI depends on the age at which you became disabled. Typically, you’ll need 40 credits. 20 of those you must have earned in the past decade and ending with the year you became disabled.

  2. Family members can be eligible for benefits.

    If your spouse is at least 62 years old, or is caring for a child that is disabled or under 16, they may be eligible for your benefits as well. Additionally, children under 18 or who experienced a disability before the age of 22 may be eligible as well.

  3. You can qualify for SSDI no matter how much you earned.

    Unlike Supplemental Security Income (SSI), your previous income won’t dictate whether or not you qualify for SSDI as long as you have work credits and your condition is considered a long-term disability.

  4. The Social Security Administration defines disabilities.

    The Social Security Administration (SSA) has a list of disabilities that are eligible in their Blue Book. These disabilities also describe the symptoms that they consider disabling. Your condition needs to match either the conditions listed or have symptoms that are similar to those listed. Additionally, the SSA will only consider the condition disabling if it will or has prevented you from being able to work for at least a year.

  5. Most applicants initially receive rejection notice.

    Don’t be too discouraged if you’re rejected the first time around. A majority of initial applicants end up rejected and you will have several opportunities to appeal the decision. Rejections may occur for a variety of reasons. From a lack of medical proof to simple mistakes made on the application.

  6. It’s possible to lose your SSDI benefits.

    If you’re working and earning more than the substantial gainful employment income limit discussed in paragraph 7, you will lose your benefits. You will also lose your benefits if the SSA deems your condition to have improved significantly to the point where you can work again, you become imprisoned for more than a month, or leave the states for more than six months.

  7. You can still make money while on SSDI.

    As long as you earn less than $1,180 a month, you can still collect SSDI. Unearned income, such as money made from interest, investments, or your spouse’s income, will not count.

Let Us Help Guide You Through the Process

These seven facts about the Social Security disability insurance program should give you a better idea of how it works and whether or not you can qualify. Our professional advocates have the knowledge and experience necessary to not only answer any additional questions you might have about SSDI, but can also guide you through the application process. To schedule a free consultation, call (602) 952-3200 to speak to one of our professionals at Social Security Disability Advocates USA today. Don’t wait. Contact us today!

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